Medicare Plans in Miami-Dade County, Florida for 2027

Miami-Dade County by the numbers

Every figure in this table comes from the CMS landscape files for the two plan years, counted the same way on both sides. Medicare Advantage and MA-PD figures exclude Special Needs Plans, which are counted on their own row and have their own table further down.

What changes in Miami-Dade County for 2027

Comparing the 2026 and 2027 landscape files for Miami-Dade County plan by plan, here is what actually moved:

• 5 fewer Medicare Advantage plans — 46 in 2026, 41 for 2027. 30 plan records from 2026 are gone from the 2027 file; 16 are new.
• $0-premium plans — 39 in 2026, 35 for 2027, counting the Part C premium on the medical-only plans that have no Part D component. A $0 premium is not the same as a cheap plan: look at the out-of-pocket maximum and the drug deductible in the same row, because that is where a $0-premium plan recovers the difference.
• Deductibles and out-of-pocket maximums both rose — the average Part D deductible on a Miami-Dade Medicare Advantage plan went from $269.86 to $381.03, and the average out-of-pocket maximum to $4,555, with the highest on the shelf at $9,850. The statutory Part D deductible ceiling rose from $615 to $700.
• Stand-alone drug plans got more expensive — Florida’s Part D region goes from 10 stand-alone plans to 11, and from 2 $0-premium plans to none. The annual out-of-pocket cap on covered drugs rises from $2,100 to $2,400.

Your Annual Notice of Change is the document that matters

If you are already in a Medicare Advantage or Part D plan, your carrier was required to send you an Annual Notice of Change (ANOC) by September 30 for coverage starting January 1. It is not marketing — it is the legal statement of what your own plan is changing. Four lines are worth finding: the monthly premium, the annual drug deductible, the in-network maximum out-of-pocket, and whether your plan is being consolidated into another one. If the ANOC says your plan is ending or merging and you do nothing, you will be moved somewhere you did not choose.

For the rules behind all of this, CMS publishes the official handbook each year: Medicare & You 2027 (PDF, medicare.gov).

Plans leaving the Miami-Dade shelf

30 plan records present in Miami-Dade County for 2026 do not appear for 2027. Some are genuine withdrawals; many are consolidations, where a carrier folds two or three plans into one and moves the members across. Until CMS publishes the plan crosswalk for 2027, the landscape file alone cannot tell you which is which for a specific plan — so we do not label any individual plan “terminated” here. What we can say is which carriers have fewer plan records on the 2027 shelf than they had on the 2026 one.

Carriers with at least one 2026 plan record not on the 2027 shelf: Aetna Medicare · Align Senior Care · CarePlus Health Plans, Inc. · Doctors HealthCare Plans, Inc. · Gold Kidney Health Plan · HealthSpring · Humana · Simply Healthcare Plans, Inc. · UnitedHealthcare · Wellcare

Carriers with plan records new for 2027: Aetna Medicare · Align Senior Care · Devoted Health · Doctors HealthCare Plans, Inc. · Gold Kidney Health Plan · Humana · Simply Healthcare Plans, Inc. · Wellcare

Where Miami-Dade County’s Medicare population actually is

Plan counts tell you what is for sale. Enrollment tells you what people here actually chose. These are CMS figures for Miami-Dade County as of June 2026.

Miami-Dade is the most Medicare Advantage–heavy of the three counties: 75.2% of beneficiaries are in a Medicare Advantage or other health plan, and 42.8% are dual eligible — on both Medicare and Medicaid. That is why 60 of the plans available here for 2027 are Special Needs Plans, more than double the number of regular Medicare Advantage plans.

Every 2027 Medicare Advantage plan in Miami-Dade County

Grouped by plan type, because plan type decides how referrals and out-of-network care work and it is the first filter most people should apply. Star ratings shown are the contract’s 2026 overall rating, the newest CMS has published. Plans marked new for 2027 had no matching record in the 2026 file.

Plan ratings in Miami-Dade County

CMS rates each Medicare contract from 1 to 5 stars on clinical quality, member experience and customer service. Ratings apply to the contract, not the individual plan, so every plan under one contract carries the same overall rating. The distribution below covers the Medicare Advantage plans available in Miami-Dade County and excludes Special Needs Plans.

The average is 4.18 stars across 46 rated plans, and 69.6% are at 4 stars or better. 0 plans have no rating because their contract is too new to have one — that is not a bad score, it is the absence of a score, and it is worth treating differently from a low one.

Hospitals and care in Miami-Dade County

What Miami-Dade County adults are actually living with

These are CDC estimates for Miami-Dade County adults, from the 2023 PLACES release. They are crude rates — the share of adults here who have the condition — rather than age-adjusted ones, because what matters when you pick a plan is what people in this county are actually being treated for. High cholesterol leads at 35.8% of 2,154,272 adults.

CDC PLACES 2023, model-based small area estimates from BRFSS, crude prevalence among adults 18 and over. Counts are that rate applied to the county adult population and are rounded.

Hospitals in Miami-Dade County and how CMS rates them

Miami-Dade County has 17 Medicare-certified acute-care hospitals. CMS rates 16 of them, and the county average is 3.13 stars, with 7 at 4 stars or better. The rating covers mortality, safety, readmission, patient experience and timeliness — it is not a statement about whether a given plan has that hospital in network.

CMS Hospital General Information, acute-care hospitals only. A hospital with no rating has not been rated, which is different from being rated poorly.

Which systems the plans build around

Miami-Dade has more hospital systems competing than either neighboring county, and plan networks differ sharply between them. Which system your physicians belong to is usually the first question worth answering.

• Jackson Health System — Jackson Memorial, Jackson North, Jackson South, Jackson West. The public system and the safety net; central to most Special Needs Plan networks.
• Baptist Health South Florida — Baptist Hospital, South Miami, Doctors Hospital, West Kendall Baptist, Homestead, Mariners. The largest private system in the county and a common dividing line between plans.
• University of Miami Health System — UHealth Tower and Sylvester Comprehensive Cancer Center. If you are in cancer treatment at Sylvester, check it by name: participation is narrower than general hospital coverage.
• Mount Sinai Medical Center (Miami Beach) and HCA Florida Kendall and Mercy — all widely but not universally in network.
• Several carriers here run their own clinic networks — Leon Health, HealthSun, CarePlus, Solis, Freedom and Optimum among them. Those plans can be excellent value if you are willing to use their clinics, and a poor fit if you are not.

Filter the 2027 Miami-Dade County shelf

All 41 Medicare Advantage plans and 60 Special Needs Plans in one table. Narrow it by what you actually care about. This runs in your browser — nothing is sent anywhere, and no contact details are asked for.

Showing 101 of 101 plans.

A filter narrows the shelf; it does not recommend a plan. Whether a plan works for you depends on your prescriptions, your doctors and your budget, and the only way to settle that is to check your own drug list and provider list against the specific plan.

How and when to enroll

Four windows cover almost every situation. Enrolling at the wrong time is the most common avoidable mistake in Medicare, and some of it cannot be undone until the following year.

Sources and methodology

1. CY2027 Medicare Advantage / Part D Landscape Source Files, Centers for Medicare & Medicaid Services — cy2027-landscape-202609.zip (CY2027_Landscape_202609.csv). Published 2026-09-28. Accessed 2026-10-12.
2. CY2026 Medicare Advantage / Part D Landscape Source Files, Centers for Medicare & Medicaid Services — cy2026-landscape-202603.zip (CY2026_Landscape_202603.csv). Published 2026-03. Accessed 2026-10-12. The March 2026 refresh of the CY2026 landscape, which is the CY2026 vintage loaded in the data. CMS republishes the landscape during the plan year; the September 2025 release that first set CY2026 is superseded by this one.
3. 2026 Part C & D Medicare Star Ratings Data, Centers for Medicare & Medicaid Services — star_ratings_2026.zip. Published 2025-10-09. Accessed 2026-10-12. The newest star ratings CMS has published. CY2027 ratings are blank in the landscape file until the October 2026 release, so every star figure on this page is the 2026 rating of the contract that carries the plan into 2027.
4. Medicare Monthly Enrollment (June 2026), Centers for Medicare & Medicaid Services — Medicare Monthly Enrollment Data_June 2026.csv. Published 2026-09-23. Accessed 2026-10-12.
5. Medicare & You 2027, Centers for Medicare & Medicaid Services — CMS Product No. 10050. Accessed 2026-10-12.

How these numbers were produced

• Plan counts, premiums, deductibles and out-of-pocket maximums are counted directly from the CMS landscape source files for Miami-Dade County, one row per contract-plan-segment, for both plan years. Nothing is modeled or estimated.
• Every Medicare Advantage and MA-PD aggregate excludes Special Needs Plans. SNPs are counted on their own row and in their own table. Mixing them moves the premium and out-of-pocket averages a long way, because SNP cost sharing is built around Medicaid wrap-around rather than a retail premium.
• Average Part C premium and average consolidated Part C + D premium are reported as two separate rows and never combined.
• Star ratings are the contract’s 2026 overall rating, the newest CMS has published. The 2027 landscape file leaves the rating column empty until the October Star Ratings release. Plans whose contract has no rating are shown as unrated rather than being dropped from the count.
• Enrollment figures are county totals from the CMS Medicare Monthly Enrollment file for June 2026. CMS does not publish plan-level enrollment by county in the files behind this page, so this page reports no “most popular plan” ranking rather than estimating one.
• Plans are described as leaving or arriving on the shelf purely on whether a matching contract-plan-segment record exists in each year’s file. Because the 2027 CMS plan crosswalk has not published, no individual plan is labeled terminated and no successor plan is named.
• This page is a reading of public CMS data, not plan advice. Benefits, networks and formularies are set by the carriers and change; the plan’s own Evidence of Coverage governs.