Florida Blue Medicare Advantage Plans 2027: BlueMedicare HMO, PPO and SNP Options

Florida Blue is a member company of the Blue Cross Blue Shield Association. It is owned by GuideWell Mutual Holding Corporation, a mutual holding company created in 2013. Florida Blue sells health coverage for people of all ages, but its Medicare Advantage plans are only sold to people who live in Florida.

Florida Blue is a Florida-based company, which is different from national carriers such as Humana, UnitedHealthcare and Wellcare that sell plans in many states. Because Florida Blue only works in one state, its plans are built around Florida doctors and hospitals. That can be a plus if you live in Florida all year. It may be a drawback if you spend long stretches out of state, since most HMO plans only cover emergency and urgent care outside the service area.

Florida Blue offers several kinds of Medicare Advantage plans. Not every type is sold in every county, so your choices depend on your ZIP code.

Plan names come from Florida Blue and Medicare plan listings for 2026 and 2027. Not every plan is sold in every county, and plan names can change from year to year.

If you qualify for both Medicare and Medicaid, or if you have a chronic condition, a special needs plan may give you extra care coordination. See our guide to Medicare Advantage special needs plans in Florida.

Medicare rates each Medicare Advantage contract from 1 to 5 stars based on quality, member experience and customer service. Florida Blue has more than one contract, and each has its own rating.

Plans with 4 stars or more get quality bonus payments from Medicare, which they often use for richer benefits. Both Florida Blue contracts are below that level for 2027, so a lower rating may affect what a plan can offer in future years. The plan’s star rating is shown next to each plan in Medicare Plan Finder, and you can click into it to see scores for things like customer service, drug safety and how well the plan keeps members healthy.

All Medicare Advantage plans must cover the same Part A and Part B services as Original Medicare. Most Florida Blue plans also add extra benefits. Extras may include the items below, depending on the plan and area. Not all plans offer all benefits.

Based on 2027 Summary of Benefits and Medicare plan listings. Amounts differ by plan and county. You still pay your Part B premium, which is $202.90 a month in 2026.

Many Florida Blue Medicare Advantage plans have a $0 monthly premium, but you still pay your Part B premium. You also pay copays or coinsurance when you get care, up to the plan’s yearly out-of-pocket limit.

The Part B premium is $202.90 a month in 2026. The Medicare Trustees project $209.50 for 2027, but CMS has not yet announced the final amount. Some plans include a Part B giveback that lowers what you pay each month.

A $0 premium plan is not always the cheapest choice over a full year. If you see specialists often, have a planned surgery or take several brand-name drugs, a plan with a small premium but lower copays may cost less in total. Add up the premium, your likely copays and your drug costs for the year, and compare that number across two or three plans. The out-of-pocket limit is the most you would pay for covered medical care in a bad year, so it is worth weighing as well.

The biggest choice for most people is between an HMO and a PPO. Both cover the same Medicare services, but they handle networks differently.

Snowbirds should look closely at network rules. If you split the year between Florida and another state, an HMO may leave you paying full price for routine care up north. A PPO gives more room to see providers away from home, though you will usually pay more for out-of-network visits. Ask each doctor you see often whether they accept the exact plan you are thinking about, not just Florida Blue in general.

Florida has a crowded Medicare Advantage market, and the number of plans is shrinking for 2027. A review of CMS data found that Florida plan options fell from 611 in 2026 to 560 in 2027. That makes it important to check that your current plan is still offered.

If you would rather keep Original Medicare, Florida Blue also sells Medicare Supplement plans. Learn more in our guide to Florida Blue Medicare Supplement Plan G. You can also review the Medicare Annual Enrollment Period rules.