--- title: "Medicare Advantage plans in Miami-Dade County, FL for 2027" description: "41 Medicare Advantage plans from 12 insurers in Miami-Dade County, Florida for 2027: 35 with a $0 premium, out-of-pocket maximums $500 to $9,850. CMS data, local SHIP help and how to compare." url: https://seniortransitionassistance.com/medicare-advantage/counties/fl/miami-dade-county/ updated: 2026-10-16 site: Senior Transition Assistance --- Medicare Advantage ยท 2027 plan year # Medicare Advantage plans in Miami-Dade County, Florida for 2027 2027 plan year Call a licensed agent Free, no obligation, no pressure. Have your doctors and prescriptions nearby. [(800) 614-8388](tel:+18006148388) TTY 711. Mon to Fri, 8 a.m. to 8 p.m. 41 plans from 12 insurers, with CMS numbers for Miami-Dade County, Florida and free local help. Quick answer CMS lists 41 Medicare Advantage plans from 12 insurers that people with Medicare can join in Miami-Dade County, Florida for 2027. 35 have a $0 monthly premium and 34 include drug coverage. In-network out-of-pocket maximums run from $500 to $9,850 a year. 33 of the 41 plans with a 2027 star rating have 4 or more stars. Data last updated September 22, 2026 (CMS landscape 202609.1); star ratings October 8, 2026. **We do not offer every plan available in your area.** Currently we represent a small number of insurance agencies and the plans they carry. Please contact Medicare.gov, 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day / 7 days a week, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. We are an independent information and referral resource. We are not connected with, endorsed by, or acting on behalf of the United States government, the Centers for Medicare & Medicaid Services, or the federal Medicare program. Calling a number on this page connects you with a licensed insurance agent or a third-party marketing partner. ## 2027 plan numbers for Miami-Dade County ### Miami-Dade County at a glance Plans open to everyone 41 With a $0 monthly premium 35 With drug coverage 34 In-network out-of-pocket maximum $500 to $9,850 Insurers with plans 12 Plans rated 4+ stars 33 of 41 rated Special needs plans (qualifying members only) 60 Plans open to everyone means Medicare Advantage and Medicare Advantage with drug coverage plans that are not special needs plans. Premium means the plan premium; your Part B premium is separate. Miami-Dade County ranks #7 among US counties by population (Census estimate for July 1, 2025: 2,802,029 people). By number of plans offered it ranks #18 of the 67 counties in Florida that have plans, and #345 of the 3,040 counties in the country that have plans. ### Plans by type | Plan type | Plans | What it generally means | |---|---|---| | HMO | 24 | Care usually has to come from the plan's network. | | HMO with point-of-service (HMO-POS) | 2 | An HMO that covers some out-of-network care. | | PPO | 10 | Out-of-network care is allowed, usually at a higher cost. | | Regional PPO | 5 | A PPO sold across a multi-county region. | ### Insurers with plans in Miami-Dade County | Insurer | Plans in Miami-Dade County | Share of plans | |---|---|---| | Humana | 14 | 34% | | Devoted Health | 5 | 12% | | CarePlus Health Plans, Inc. | 4 | 10% | | UnitedHealthcare | 4 | 10% | | HealthSun Health Plans, Inc. | 3 | 7% | | Doctors HealthCare Plans, Inc. | 2 | 5% | | Florida Blue | 2 | 5% | | Leon Health, Inc. | 2 | 5% | | Wellcare | 2 | 5% | | Aetna Medicare | 1 | 2% | | Florida Blue HMO | 1 | 2% | | Solis Health Plans | 1 | 2% | ## How Miami-Dade County compares with the rest of Florida The state column is the average of the 67 Florida counties that have Medicare Advantage plans in the CMS file; each county counts once, whatever its population. | Measure | Miami-Dade County | Average Florida county | |---|---|---| | Plans open to everyone | 41 | 28.7 | | Plans with a $0 premium | 85% | 73% | | Insurers with plans | 12 | 7.1 | | PPO and Regional PPO share of plans | 37% | 61% | | Lowest out-of-pocket maximum | $500 | $3,146 | | Highest out-of-pocket maximum | $9,850 | $9,850 | | Rated plans with 4+ stars | 80% | 63% | | Plans with drug coverage | 83% | 71% | - 12 insurers sell plans in Miami-Dade County, above the Florida county average of 7.1. - PPO-type plans (PPO and Regional PPO) are 37% of the list here (15 of 41), versus 61% in the average Florida county. - Miami-Dade County has 41 plans, 43% more than the Florida average of 28.7 across the 67 counties in Florida that have them. - In Miami-Dade County, out-of-pocket maximums start at $500 (below the Florida county average of $3,146). ## What this means in Miami-Dade County Miami-Dade County has more to choose from than the typical Florida county: 41 plans from 12 insurers against an average of 28.7. Work through it by insurer, checking your doctors and drugs against each. More insurers means more provider networks to check against your doctors. Fewer PPO-type plans than usual means network fit matters more here. 85% of the plans (35 of 41) charge no monthly premium, so premium will not separate most of them. The out-of-pocket maximum, $500 to $9,850, shows what a bad year could cost. A $0 premium does not remove copays or coinsurance, and your Part B premium is separate. The list mixes 26 HMO-style and 15 PPO-style plans, so network rules differ from plan to plan; read each plan's provider rules. 33 of the 41 rated plans have 4 or more stars. CMS rates the insurer's contract, so look up the rating of the specific plan you are considering. ## How to compare plans in Miami-Dade County - **Doctors and hospitals.** Ask each plan whether your doctors, your hospital and any specialists are in its network today. 26 of 41 plans here are HMO or HMO-POS and 15 are PPO-type, so the rules differ. - **Prescriptions.** 34 of 41 plans include drug coverage. For each drug, check the plan's formulary, the tier it sits on and the pharmacy you would use. - **Out-of-pocket cap.** The in-network maximum runs $500 to $9,850 a year depending on the plan, a gap of $9,350. The cap is what limits a hospital stay or a run of treatments. - **Extras and cost-sharing.** Compare copays for primary care, specialists and the emergency room, and any dental, vision and hearing benefits you would use. - **Star rating.** 33 of the 41 rated plans have 4 or more stars. Ask for the rating of the exact plan, then see how it handles the doctors and drugs above. Plan Finder at Medicare.gov shows every plan available at your address. If your ZIP code is in Miami-Dade County, you can also [check plan counts for your ZIP code](https://seniortransitionassistance.com/medicare-advantage-zip/) on this site. ## Dates that matter for 2027 coverage - **Open enrollment runs October 15 to December 7, 2026.** You can join, switch or drop a Medicare Advantage plan in that window. - **Coverage changes take effect January 1, 2027.** Plans send an Annual Notice of Change in the fall listing what is different next year. ## Free local Medicare help in Florida The State Health Insurance Assistance Program (SHIP) gives free, unbiased Medicare counseling. In Florida it is run as Serving Health Insurance Needs of Elders (SHINE). ### SHINE in Florida Program Serving Health Insurance Needs of Elders (SHINE) Phone [1-800-963-5337](tel:18009635337) (TTY 1-800-955-8770) Website [floridashine.org](https://www.floridashine.org/) Program name, number and website as listed by the [SHIP National Technical Assistance Center](https://www.shiphelp.org/ships/florida/), checked October 15, 2026. SHINE is offered by the Florida Department of Elder Affairs and your local Area Agency on Aging. You can also reach Medicare at 1-800-MEDICARE (1-800-633-4227, TTY 1-877-486-2048) or compare plans at [medicare.gov/plan-compare](https://www.medicare.gov/plan-compare/). ## Questions about Medicare Advantage in Miami-Dade County ### How many Medicare Advantage plans are in Miami-Dade County for 2027? CMS lists 41 general Medicare Advantage plans in Miami-Dade County, Florida for 2027: 24 HMO, 2 HMO-POS, 10 PPO, and 5 Regional PPO. 34 of them include drug coverage. That count leaves out special needs plans (60 more, for people who qualify), cost plans and stand-alone drug plans. ### Are there $0 premium Medicare Advantage plans in Miami-Dade County? Yes. 35 of the 41 plans (85%) have a $0 monthly plan premium. You still pay your Part B premium, and the plan may charge copays or coinsurance up to its out-of-pocket maximum. ### Which insurers offer Medicare Advantage plans in Miami-Dade County? 12 insurers offer plans in Miami-Dade County, Florida. The five with the most plans are Humana (14), Devoted Health (5), CarePlus Health Plans, Inc. (4), UnitedHealthcare (4), HealthSun Health Plans, Inc. (3). ### What is the most I could pay out of pocket in Miami-Dade County? In-network out-of-pocket maximums for the 41 plans run from $500 to $9,850 a year, depending on the plan. The maximum covers covered services in the plan's network; it does not include the plan's monthly premium. ### How many Medicare Advantage plans in Miami-Dade County have 4 or more stars? 33 of the 41 plans with a 2027 star rating are rated 4 stars or higher. No plans are not yet rated or have too little data, and star ratings are given to the insurer's contract. ## Sources and what is counted Source: [CMS Medicare Advantage and Part D Landscape source file, contract year 2027, release 202609.1](https://www.cms.gov/files/zip/cy2027-landscape-202609-1.zip) (file cy2027-landscape-202609-1.zip, CY2027_Landscape_202609.csv), data last updated September 22, 2026; [CMS 2027 Part C and D Star Ratings data tables](https://www.cms.gov/files/zip/2027-star-ratings-data-tables-oct-8-2026.zip) (Summary Ratings table), October 8, 2026; [U.S. Census Bureau Vintage 2025 county population estimates](https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/counties/totals/co-est2025-alldata.csv) (July 1, 2025). Plans counted by Senior Transition Assistance. A plan is one CMS contract and plan ID offered in Miami-Dade County. Counts cover Medicare Advantage and Medicare Advantage with drug coverage plans that are open to everyone. Special needs plans, cost plans, employer-only plans and stand-alone Part D plans are not in the counts above. The $0-premium count uses the combined plan premium (Part C plus Part D) when the plan has drug coverage. Star ratings are CMS overall ratings for plans with drug coverage and Part C summary ratings for plans without. Out-of-pocket maximums are the in-network amounts CMS lists. Figures are for plan year 2027 and come from CMS files dated as shown; the CMS landscape can change before January 1. Confirm any plan's details on Medicare.gov or with the plan. ## Keep reading - [Medicare Advantage plans in 40 large US counties](https://seniortransitionassistance.com/medicare-advantage/counties/) - [Medicare open enrollment dates and changes](https://seniortransitionassistance.com/medicare-advantage/open-enrollment/) - [Medicare Advantage vs. Original Medicare](https://seniortransitionassistance.com/medicare-advantage/vs-original-medicare/) - [Medicare Advantage guide](https://seniortransitionassistance.com/medicare-advantage/) - [Plans in Broward County, FL](https://seniortransitionassistance.com/medicare-advantage/counties/fl/broward-county/) - [Plans in Palm Beach County, FL](https://seniortransitionassistance.com/medicare-advantage/counties/fl/palm-beach-county/) - [Plans in Hillsborough County, FL](https://seniortransitionassistance.com/medicare-advantage/counties/fl/hillsborough-county/) - [Plans in Orange County, FL](https://seniortransitionassistance.com/medicare-advantage/counties/fl/orange-county/) Other Florida counties with a page: [Broward County](https://seniortransitionassistance.com/medicare-advantage/counties/fl/broward-county/), [Palm Beach County](https://seniortransitionassistance.com/medicare-advantage/counties/fl/palm-beach-county/), [Hillsborough County](https://seniortransitionassistance.com/medicare-advantage/counties/fl/hillsborough-county/), and [Orange County](https://seniortransitionassistance.com/medicare-advantage/counties/fl/orange-county/). --- Canonical page: https://seniortransitionassistance.com/medicare-advantage/counties/fl/miami-dade-county/