Hillsborough County has 52 non-SNP Medicare Advantage plans for 2027, down from 58 in 2026 — a change of -10%. Of those, 48 carry a $0 Part C premium. A further 72 Special Needs Plans serve the county and are counted separately below.
Hillsborough County comes through 2027 in better shape than our Central Florida counties. It keeps the biggest Medicare Advantage menu of the five, and its non-SNP plan count falls by about a tenth rather than a quarter. No carrier enters the county for 2027, and the only one leaving is American Health Advantage of Florida, an institutional plan for nursing-home residents rather than a plan most households would hold.
By The Numbers2027 Medicare Advantage in Hillsborough County
| Measure (non-SNP Medicare Advantage) | 2026 | 2027 |
|---|---|---|
| Plans available | 58 | 52 |
| With a $0 Part C premium | 53 | 48 |
| Average Part C premium | $2.68 | $2.15 |
| Average consolidated Part C + D premium | $10.75 | $12.10 |
| Average in-network out-of-pocket maximum | $5,095 | $5,224 |
| Highest in-network out-of-pocket maximum | $9,250 | $9,850 |
| Average Part D deductible (plans with drug coverage) | $375.98 | $461.17 |
| Plans with no drug coverage | 12 | 11 |
| Special Needs Plans (counted separately) | 75 | 72 |
Source: CMS Medicare Advantage / Part D landscape files, CY2026 and CY2027. “$0 premium” and “average premium” use the Part C premium; the consolidated Part C + D figure is a different, higher number and has its own row.
What changes in Hillsborough County for 2027
1 carrier leaving
American Health Advantage of Florida. A carrier absent from the 2027 landscape for this county has no plan here next year.
28 plans out, 19 in
Across all plan types. Among non-SNP plans specifically that is 11 out and 5 in.
Non-SNP plans that do not return for 2027
Scroll the table sideways for every column
| Plan | Carrier | Type | 2026 Part C premium | 2026 MOOP | CMS plan ID |
|---|---|---|---|---|---|
| DrSelect-CFL (HMO) | Doctors HealthCare Plans, Inc. | HMO | $0.00 | $3,500 | H4140_016 |
| Humana Full Access Giveback H5216-393 (PPO) | Humana | PPO | $0.00 | $6,750 | H5216_393 |
| Humana Direct Choice Giveback (PPO) | Humana | PPO | $0.00 | $6,750 | H5216_452 |
| Simply More (HMO) | Simply Healthcare Plans, Inc. | HMO | $0.00 | $3,450 | H5471_078 |
| Simply Extra Platinum (HMO) | Simply Healthcare Plans, Inc. | HMO | $0.00 | $3,200 | H5471_117 |
| Aetna Medicare Signature (PPO) | Aetna Medicare | PPO | $0.00 | $6,750 | H5521_033 |
| Humana Full Access Giveback H7617-111 (PPO) | Humana | PPO | $0.00 | $6,750 | H7617_111 |
| Humana Direct Choice Giveback (PPO) | Humana | PPO | $0.00 | $6,750 | H7617_112 |
| BayCarePlus Premier (HMO) | BayCare Health Plans | HMO | $49.00 | $2,900 | H2235_003 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | $0.00 | $6,750 | H5216_467 |
| Wellcare Patriot Giveback (HMO) | Wellcare | HMO | $0.00 | $5,000 | H1032_239 |
A plan missing from the next year’s landscape may be non-renewed outright or consolidated into another plan. Your plan’s own letter is what tells you which happened to you.
Your Annual Notice of Change, and the letter that matters more
Your Annual Notice of Change
Every Medicare Advantage and Part D plan had to mail an ANOC by 30 September 2026. It lists, line by line, what changes on 1 January 2027: premium, deductible, out-of-pocket maximum, copays, the drug list and its tiers, the provider network and the extra benefits.
The non-renewal letter, if your plan is ending
A separate letter arrives in October. It opens a Special Enrollment Period running from 8 December through the end of February — on top of the normal window — so losing your plan does not leave you stuck.
The handbook, beside the letter
Medicare & You 2027 is the official plain-language guide, published in English and Spanish, and it is free.
The handbook is worth having beside the letter: Medicare & You 2027 (English, PDF) · Medicare y Usted 2027 (Español, PDF).
Plan TypesPlan types available in Hillsborough County for 2027
HMO
- Non-SNP plans 24
- $0 Part C premium 24
- Average Part C premium $0.00
- Average out-of-pocket max $3,723
- Highest out-of-pocket max $7,150
- Without drug coverage 3
PPO
- Non-SNP plans 14
- $0 Part C premium 13
- Average Part C premium $1.33
- Average out-of-pocket max $7,125
- Highest out-of-pocket max $9,850
- Without drug coverage 6
HMO-POS
- Non-SNP plans 9
- $0 Part C premium 9
- Average Part C premium $0.00
- Average out-of-pocket max $4,628
- Highest out-of-pocket max $7,200
- Drug coverage All plans
Regional PPO
- Non-SNP plans 5
- $0 Part C premium 2
- Average Part C premium $18.68
- Average out-of-pocket max $8,180
- Highest out-of-pocket max $9,850
- Without drug coverage 2
How Hillsborough County plans were rated
CMS published the 2027 Star Ratings on 8 October 2026, but the 2027 landscape file does not yet carry a star rating for each plan — CMS loads those separately. The distribution below is therefore the 2026 rating for the plans available in Hillsborough County that year, labelled as such, and it is the most recent plan-level rating that exists for this county.
Bar length is each rating’s share of the largest group, so the shape is readable at a glance; the figure on the right is the plan count and its share of all 58 non-SNP plans available in 2026.
The 2026 county average among rated non-SNP plans was 4.17 stars, with 74.1% rated 4 stars or higher. Nationally for 2027, 15 Medicare Advantage contracts earned 5 stars and no stand-alone Part D plan did.
Part DStand-alone Part D in Hillsborough County
Drug-only plans are priced by region, not by county. Hillsborough County sits in PDP Region 11, which covers Florida. The 2027 Part D parameters set by law are a maximum deductible of $700 (up from $615) and an annual out-of-pocket cap of $2,400 (up from $2,100). Once your covered drug spending reaches the cap you pay nothing more for covered Part D drugs that year.
The 2027 Part B premium has not been announced. CMS normally publishes it in November. Any 2027 Part B figure circulating now is a projection, not the rate.
Who this lands on in Hillsborough County
Tampa is a two-system town — BayCare and AdventHealth — and the Medicare Advantage networks do not split neatly between them. If you see a specialist at one and a primary at the other, check both against the plan before you move.
Plans are sold county by county, so what is available in Tampa is available across Tampa, Brandon, Riverview, Plant City and Temple Terrace as well — all of Hillsborough County. You must be enrolled in Medicare Part A and Part B to join a Medicare Advantage plan.
EnrolmentHow and when to enrol
Annual Enrollment
15 October – 7 December 2026. Change anything; it starts 1 January 2027.
Medicare Advantage Open Enrollment
1 January – 31 March 2027. One further change if you hold a Medicare Advantage plan.
Initial Enrollment
The seven months around your 65th birthday — three before, your birthday month, three after.
Special Enrollment Periods
Moving, losing other coverage, and — relevant this year — your plan not being renewed.
You can enrol through Medicare Plan Finder, directly with the plan, or with a licensed agent. Using an agent does not change your premium — commission is already built into it.
Other CountiesMedicare Advantage in the other counties we serve
The plan menu changes at the county line, so each county has its own guide built from the same CMS files.
Questions people in Hillsborough County ask
Did Hillsborough County lose many Medicare Advantage plans for 2027?
Fewer than Central Florida did. The county’s non-SNP Medicare Advantage plan count falls by roughly a tenth for 2027, against roughly a quarter in Orange, Osceola and Seminole. Hillsborough also keeps the largest overall menu of the five counties we serve.
Which carrier is leaving Hillsborough County for 2027?
American Health Advantage of Florida does not appear in the county’s 2027 landscape. It is an institutional special-needs plan, which serves people living in a contracted nursing facility rather than the general Medicare population, so most Hillsborough households are unaffected by that particular exit.
Does it cost more to use an agent in Hillsborough County?
No. Agent commission is built into the plan premium whether you enrol yourself on Medicare.gov or with help, so the premium is identical either way.
Sources, citations and methodology
- 1 CMS Medicare Advantage / Part D Landscape, CY2026 and CY2027
Plan counts, Part C premiums, consolidated Part C+D premiums, in-network maximum out-of-pocket amounts, annual Part D deductibles, plan types, SNP indicators and CMS plan IDs, by county.
- 2 CMS 2027 Medicare Advantage and Part D Star Ratings
Released 8 October 2026. 15 MA-PD contracts earned 5 stars; no stand-alone Part D plan did.
- 3 CMS Contract Year 2027 Part D benefit parameters
$700 maximum deductible and $2,400 annual out-of-pocket threshold for 2027.
- 4 Medicare Plan Finder
The authority for your own plan, your drugs and your pharmacy. 2027 data available from 1 October 2026.
How these figures were computed. Every number on this page is calculated from the CMS landscape rows for Hillsborough County in both contract years, not typed by hand. Following CMS and industry convention, Special Needs Plans are excluded from the Medicare Advantage averages and counted separately, and the Part C premium is kept distinct from the consolidated Part C + D premium. Averages are unweighted means across plans; the Part D deductible average covers only plans that include drug coverage. Counting MA-PD and SNP plans together the way CMS’s own county report does gives 121 plans for 2026 and 113 for 2027. Snapshot generated 2026-10-12.
What this page does not show, and why. County-level Medicare enrolment counts are not available from our data sources, so no enrolment or “most enrolled plan” figures are given. Plan-level 2027 star ratings are not yet in the landscape file, so the ratings section is explicitly labelled 2026. County chronic-condition rates were omitted because the available CDC series returns two different unlabelled values per county — apparently crude and age-adjusted prevalence — and publishing either without knowing which it is would be misleading. None of these gaps is filled with an estimate.