Medicare & Health Insurance in Florida: Your 2027 Guide
We publish 2027 county guides for 5 Florida counties. Across them, Medicare Advantage choice runs from 33 plans in Nassau County to 44 in Broward County, and 11 stand-alone Part D plans are sold statewide. People under 65 buy Marketplace coverage through HealthCare.gov.
Page last revised 15 October 2026. Plan data: CMS CY2027 landscape and 2027 Star Ratings.
McDowell Business Resources is based at 7530 103rd St in Jacksonville and licensed across Florida. Most of the families we sit down with live in the four First Coast counties around the office, and we serve Broward County and the rest of the state by phone and video.
Florida runs two very different insurance markets side by side. Medicare buyers face one of the deepest Medicare Advantage shelves in the country, with most plans at a $0 Part C premium and a wide spread in out-of-pocket limits. People under 65 buy through HealthCare.gov, where 2026 brought the end of the enhanced premium tax credits and the return of the 400% income limit. Both markets reward reading the plan, not the mailer.
Insurance Guides for Every County We Serve in Florida
5 county guides, grouped by region. Each one carries the full 2027 Medicare Advantage plan table for that county, its star ratings, Special Needs Plans, hospitals, the stand-alone Part D options and local enrollment help.
North Florida: the First Coast
Jacksonville and the four counties within about an hour of our office. This is where we meet clients in person.
Duval County
Our home county. Medicare, Marketplace health, life and supplemental help from our office on 103rd Street, in person or by phone.
Clay County
Orange Park, Fleming Island, Middleburg and Green Cove Springs, about 20 minutes from our office. Medicare, Marketplace, life and final expense help.
City guides: Orange Park · Fleming Island · Middleburg · Green Cove Springs
County guide · St. AugustineSt. Johns County
St. Augustine, Ponte Vedra, Nocatee and World Golf Village. Medicare, Medigap, annuities and Marketplace help about 35 minutes from our office.
City guides: St. Augustine · Nocatee
County guide · Fernandina BeachNassau County
Fernandina Beach, Amelia Island, Yulee and Callahan, at Florida’s northeast corner. Medicare and final expense help with the oldest population in our service area.
City guides: Fernandina Beach
South Florida
Broward County, served by phone and video. The deepest plan market in our service area.
How do the Florida counties compare for 2027?
| County | MA plans | $0 Part C | MOOP range | Median MOOP | Avg rating | SNPs | Uninsured |
|---|---|---|---|---|---|---|---|
| Duval County | 42 | 37 | $2,500–$9,850 | $6,750 | 3.98 | 45 | 11.5% |
| Clay County | 40 | 35 | $2,500–$9,850 | $6,750 | 4.01 | 39 | 8.2% |
| St. Johns County | 38 | 33 | $2,500–$9,850 | $6,750 | 4.00 | 32 | 6.4% |
| Nassau County | 33 | 28 | $2,500–$9,850 | $7,150 | 4.05 | 26 | 7.5% |
| Broward County | 44 | 40 | $750–$9,850 | $4,050 | 4.10 | 62 | 13.3% |
Sources: CMS CY2027 landscape and 2027 Star Ratings (non-SNP Medicare Advantage); U.S. Census Bureau ACS 2023 (uninsured rate, all ages).
City guides in Florida
Orange Park
Orange Park, about 20 minutes from our office. Medicare, Marketplace, life and final expense help for the town and the US-17 corridor.
Clay CountyFleming Island
Fleming Island, the highest-income community in Clay County. Medicare, Medigap, annuity and life insurance guidance near our office.
Clay CountyMiddleburg
Middleburg in western Clay County. Medicare, Marketplace and final expense help, with the county’s Ascension hospital in the same ZIP code.
Clay CountyGreen Cove Springs
Green Cove Springs, the Clay County seat on the St. Johns River. Medicare, Marketplace and life insurance help near our office.
St. Johns CountySt. Augustine
St. Augustine, the St. Johns County seat. Medicare, Medigap and annuity guidance for one of the oldest communities on the First Coast.
St. Johns CountyNocatee
Nocatee, one of the fastest-growing communities in St. Johns County. Marketplace, life insurance and Medicare help for younger families and new retirees.
Nassau CountyFernandina Beach
Fernandina Beach and Amelia Island. Medicare, Medigap and final expense guidance for the oldest community we serve.
Stand-alone Part D plans in Florida for 2027
11 stand-alone Part D plans are sold across Florida (PDP region 11) for 2027, against 10 in 2026. Premiums run from $5.30 to $326 a month. The 2027 deductible is capped at $700 and out-of-pocket drug costs at $2,400 for the year.
| Plan | Monthly premium | Deductible | 2027 Part D rating |
|---|---|---|---|
| Wellcare Classic (PDP) | $7.30 | $700 | 3.0★ |
| HealthSpring Assurance Rx (PDP) | $9.30 | $700 | 2.5★ |
| Humana Basic Rx Plan (PDP) | $90.30 | $700 | 4.5★ |
| Plan | Monthly premium | Deductible | 2027 Part D rating |
|---|---|---|---|
| Wellcare Value Script (PDP) | $5.30 | $700 | 3.0★ |
| Humana Value Rx Plan (PDP) | $45.20 | $687 | 4.5★ |
| Humana Premier Rx Plan (PDP) | $135.20 | $350 | 4.5★ |
Source: CMS CY2027 landscape (PDP rows); 2027 Part D summary ratings. Sorted by premium.
Florida programs and rules worth knowing
- Marketplace: HealthCare.gov (federal Marketplace). Open enrollment for 2027 coverage: November 1, 2026 to January 15, 2027 (December 15 for a January 1 start).
- Medicaid: Florida Department of Children and Families (ACCESS Florida). Florida has not adopted the ACA Medicaid expansion (KFF, October 2026).
- Medicare Savings Programs: the state Medicaid agency above takes applications for help paying Part B premiums. Check the 2026 federal limits with our Medicare Savings Program estimator.
- Medigap in Florida: no birthday rule; every policy is guaranteed renewable with a 30-day free look; residents 65 or older get a 2-month open enrollment after group health coverage ends (Florida OIR, 2026 Medigap FAQ).
Florida: frequently asked
Sources & methodology
- CMS — Prescription Drug Coverage: CY2026 and CY2027 MA / Part D Landscape Source Files (Downloads) · CY2026 and CY2027, pulled 15 October 2026
- CMS — Part C and D Performance Data (2027 Star Ratings, released October 2026) · 2027
- Medicare.gov — Costs for Medicare drug coverage · 2026–2027
- KFF (analyst source) — Status of State Action on the Medicaid Expansion Decision, October 2026 · October 2026
- HealthCare.gov — Medicaid expansion & what it means for you · current
- Medicare.gov — When can I buy Medigap? · federal rule
- Florida Office of Insurance Regulation — 2026 Medigap Frequently Asked Questions · 2026 plan year
- HealthCare.gov — Dates and deadlines for 2027 coverage · 2027 coverage
- U.S. Census Bureau — American Community Survey 2023 5-year estimates · ACS 2023
County figures are non-SNP Medicare Advantage plans from the CMS landscape file; see each county guide for the method. Stand-alone Part D plans are listed for PDP region 11, which covers all of Florida. Pulled through the Ambrose Insurance Brain on 15 October 2026.
Compiled by the McDowell Business Resources Data Desk. Last reviewed: October 2026.
Help anywhere in Florida, at no cost
Free, no-pressure help comparing Medicare, Marketplace, life and supplemental coverage. Call or book a time that suits you.
Medicare TPMO disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
McDowell Business Resources is not affiliated with or endorsed by the U.S. government, the federal Medicare program, or CMS.
This page is general education, not insurance, tax, legal or investment advice. Figures are dated where shown and can change; your situation may differ, and product availability varies by state and carrier. McDowell Business Resources (MBR Insurance & Financial Services) is an independent agency, not an insurance carrier.