Which Florida Counties Are Losing Medicare Advantage Plans for 2027

Florida is losing more Medicare Advantage plans than any other state for 2027. A review of CMS plan data reported by Medical Daily puts the state at 560 plans, down from 611 in 2026, a net loss of 51. But a statewide number does not tell you whether your plan is one of them. That depends on your county, and in a few counties the bigger change is not a plan disappearing but a hospital system leaving the network.

This post walks through the Florida counties where the changes are most clearly documented, what each one means for families, and how to check your own situation before open enrollment closes. If you want the full playbook for a plan that is being non-renewed, start with our guide to Medicare Advantage plan exits in Florida for 2027.

A note on what the data does and does not show

No public source we found gives a clean count of plans lost in each Florida county. The most specific county information comes from insurer filings, broker analyses and news coverage rather than a single CMS county file. So this post names the counties where exits or network changes have been reported, and it does not rank counties by a number we cannot verify. Your Annual Notice of Change or non-renewal letter is the only authoritative word on your own plan.

Miami-Dade, Broward and Palm Beach

South Florida carries the heaviest concentration of reported pullbacks. Broker and news reports say UnitedHealthcare is reducing or ending Medicare Advantage coverage in Miami-Dade, Broward and Palm Beach counties for 2027, as part of a national retreat from roughly 225 counties. Separately, KFF's county-level analysis found that Health Care Service Corporation, the parent of Blue Cross Blue Shield plans in several states, is no longer offering Medicare Advantage drug plans in Miami-Dade for 2027.

In practice, "reducing" can mean three different things: a plan discontinued entirely, a plan whose service area shrinks so that some ZIP codes lose it, or a plan that stays but changes its network or benefits. Reports do not say which applies to which county, which is why checking your own letter matters more than the headline.

Miami-Dade is also the largest single market for senior care in the state. If you are weighing a move to Original Medicare or a different plan while also researching care options, our Miami nursing home and assisted living directory lists every licensed facility with ratings, staffing and inspection data.

Lee and Collier: a network fight on top of plan changes

Southwest Florida has two separate problems. In Lee County, Lee Health gave notice on August 26, 2026 that its hospitals and physicians will be out of network for UnitedHealthcare employer, individual and Medicare Advantage plans starting January 1, 2027. Lee Health says UnitedHealthcare owes more than $100 million in disputed and underpaid claims. UnitedHealthcare said the notice came without advance discussion.

In Collier County, NCH in Naples will stop accepting HealthSpring (formerly Cigna) and Wellcare Medicare Advantage plans on January 1, 2027. A UnitedHealthcare plan can also be pulled back in both counties, according to broker reports.

The practical risk here is subtle. A plan can still exist on January 1 and still be the wrong plan, because the hospital where you or your parent receives care no longer accepts it. If a loved one is in the middle of treatment, or has a regular specialist at Lee Health or NCH, confirm network status in writing before choosing a plan.

Tampa Bay, Brevard and the Atlantic coast

Hillsborough and Pinellas counties are also on the reported list for UnitedHealthcare reductions, which affects the Tampa and St. Petersburg area. Tampa's Moffitt Cancer Center has already left Aetna's Medicare Advantage network (December 2025) and Humana's (July 1, 2026), a reminder that network exits are not limited to one insurer.

Health First, the Brevard-based plan, is leaving most Florida counties for 2027 but staying in Flagler, Volusia, Brevard and Indian River. If you live in one of those four counties, you may still have local options. Anywhere else, a Health First member should expect a non-renewal notice.

Humana: no full county list yet

Humana is cutting plans covering about 600,000 members nationally, its second straight year of exits, but a complete Florida county list has not been published in the sources we reviewed. Do not assume you are safe or affected. Look for the plan's letter and verify with the insurer directly.

What to do now

Open enrollment runs October 15 through December 7, 2026. Here is a short sequence that works for most families:

• Find your Annual Notice of Change or non-renewal letter and read the first page, which states whether the plan continues.
• Check whether your hospital, primary doctor and specialists are in network for the 2027 plan year, not just the current one.
• Compare your options on Medicare.gov: another Medicare Advantage plan, Original Medicare with a stand-alone Part D drug plan, or Original Medicare with a Medigap policy.
• Call SHINE, Florida's free Medicare counseling program, at 1-800-963-5337 if you want an unbiased second opinion.

If you move back to Original Medicare, the guaranteed-issue window for Medigap lasts 63 days after your Advantage coverage ends, so do not let it lapse.

Why this matters for long-term care planning

Coverage changes land hardest on families already managing care. A skilled nursing stay, for example, depends on how your plan handles prior authorization and which facilities are in network. If a plan change could affect where a parent can receive rehab or long-term care, check facility quality before you need it. Our list of the best nursing homes in Florida ranks facilities by CMS five-star ratings, and our Naples and Fort Myers city pages show the options in the two counties facing the network disputes above.

Bottom line

The 2027 changes are real, but they are local. Find out whether your county, your plan and your hospital are affected, and do it before December 7. The cost of checking is an hour on the phone. The cost of missing it can be a year on a plan that does not cover the care you rely on.

Sources: Medical Daily review of CMS 2027 plan data (September 30, 2026); Florida Doctor Magazine, "Florida Loses 51 Medicare Advantage Plans for 2027"; KFF, "Medicare Advantage Plan Availability Varies Widely by County for 2027"; Becker's Payer Issues, Medicare Advantage insurers ranked by county entries and exits in 2027; Burke Insurance Group, UnitedHealthcare Florida county changes for 2027 (September 30, 2026); Health Broker FL, Health First Medicare Advantage changes for 2027; Lee Health notice to UnitedHealthcare (August 26, 2026); Florida Department of Elder Affairs, SHINE program.