Medicare Advantage plans are sold county by county, so the plan menu, the premiums and the out-of-pocket maximums all change when you cross a county line. These guides are built from the CMS landscape files for each county we serve, comparing 2026 with 2027.
The 5 counties we cover
Orange County
Orlando · 7 cities
- Non-SNP plans 2027 45
- $0 Part C premium 41
- Average out-of-pocket max $5,294
- Special Needs Plans 61
Osceola County
Kissimmee · 5 cities
- Non-SNP plans 2027 45
- $0 Part C premium 41
- Average out-of-pocket max $5,346
- Special Needs Plans 67
Seminole County
Sanford · 7 cities
- Non-SNP plans 2027 46
- $0 Part C premium 41
- Average out-of-pocket max $5,376
- Special Needs Plans 67
Hillsborough County
Tampa · 5 cities
- Non-SNP plans 2027 52
- $0 Part C premium 48
- Average out-of-pocket max $5,224
- Special Needs Plans 72
Miami-Dade County
Miami · 7 cities
- Non-SNP plans 2027 41
- $0 Part C premium 37
- Average out-of-pocket max $4,555
- Special Needs Plans 60
The 5 counties compared
Scroll the table sideways for every column
| County | Non-SNP plans 2027 | $0 Part C premium | Avg out-of-pocket max | Avg Part D deductible | Change on 2026 |
|---|---|---|---|---|---|
| Orange County | 45 | 41 | $5,294 | $523.77 | -24% |
| Osceola County | 45 | 41 | $5,346 | $523.77 | -22% |
| Seminole County | 46 | 41 | $5,376 | $528.67 | -22% |
| Hillsborough County | 52 | 48 | $5,224 | $461.17 | -10% |
| Miami-Dade County | 41 | 37 | $4,555 | $381.03 | -11% |
Source: CMS Medicare Advantage / Part D landscape files, CY2026 and CY2027. Special Needs Plans are excluded from these columns and counted separately on each county’s page. “$0 premium” uses the Part C premium, not the consolidated Part C + D premium.
Why the county matters more than the carrier
The menu stops at the county line
A plan sold in Orlando may not exist one county over. CMS licenses Medicare Advantage plans county by county, so the comparison only means something within one.
A $0 premium is not a $0 plan
The deductible, the copays and the in-network out-of-pocket maximum are where a bad year costs money. Each guide shows the county average and the worst case.
Plans leave quietly
156 plans available across these counties in 2026 do not appear in the 2027 landscape. Each guide lists the non-SNP ones by name and CMS plan ID.