Updated September 29, 2026, with 2026 and 2027 Medicare costs and Open Enrollment dates.
Medicare Basics for Florida Seniors
Medicare is a federal health insurance program for people 65 and older, as well as younger people with certain disabilities. In Florida, seniors have access to all standard Medicare options plus additional benefits specific to the state.
Original Medicare (Parts A & B)
Original Medicare consists of:
- Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.
- Part B (Medical Insurance): Covers doctor visits, outpatient care, medical supplies, and preventive services.
Part A and Part B can pay for part-time skilled care at home. See our guide to Medicare home health coverage and home health care options in Florida.
For seniors dealing with memory-related conditions, understanding Medicare coverage is especially important. Learn more about the realities of dementia caregiving and specialized memory care facilities.
Medicare Advantage (Part C)
Medicare Advantage plans are offered by private companies approved by Medicare. In Florida, these plans often include:
- Prescription drug coverage (Part D)
- Vision and dental coverage
- Wellness programs
- Transportation benefits
Original Medicare generally does not pay for rides to the doctor. Compare non-emergency medical transportation options in Florida, including Medicaid rides and county programs.
Prescription Drug Coverage (Part D)
If you have Original Medicare, you can add a standalone Part D plan for prescription drug coverage. Medicare Advantage plans typically include this coverage.
Medigap (Medicare Supplement Insurance)
Medigap policies help pay for costs that Original Medicare doesn't cover, such as copayments, coinsurance, and deductibles.
Medicare Costs to Know for 2026 and 2027
- Part B premium (2026): $202.90 a month for most people. The Part B deductible is $283. The Part A hospital deductible is $1,736. (Source: CMS.) The 2027 amounts are usually announced in the fall.
- Yearly cap on covered drug costs: $2,100 in 2026, rising to $2,400 in 2027.
- Drug plan deductible: up to $615 in 2026 and up to $700 in 2027. (Source: CMS 2027 Rate Announcement.)
For everything changing next year, read Medicare Open Enrollment 2027: What's Changing for Florida Seniors.
When You Can Change Your Medicare Coverage
- Open Enrollment: October 15 to December 7 each year. Changes start January 1.
- Medicare Advantage Open Enrollment: January 1 to March 31. If you are in a Medicare Advantage plan, you can switch plans or go back to Original Medicare once.
- Special Enrollment Periods: certain events, like moving or your plan leaving your area, let you change plans at other times. If your plan is ending, see what to do if your Medicare Advantage plan is ending.
Special Considerations for Florida Residents
Florida has no state income tax, but that does not change your Medicare premiums. Higher-income people pay an extra amount for Part B and Part D, called the Income-Related Monthly Adjustment Amount (IRMAA). It is based only on the income on your federal tax return from two years earlier. (Source: Social Security.)
Florida does offer free help. Florida SHINE (Serving Health Insurance Needs of Elders) gives free, unbiased Medicare counseling at 1-800-96-ELDER (1-800-963-5337). Learn how in our free Medicare help guide. If your income is limited, Extra Help and Medicare Savings Programs can lower your costs. Apply for Extra Help through Social Security at 1-800-772-1213. Medicare Savings Programs are handled by the Florida Department of Children and Families through ACCESS Florida. For help with food, housing and utility costs too, see our guide to Florida senior assistance programs, or see all senior citizen benefits in Florida.
Be careful with calls about your Medicare card or plan. Medicare will not call you out of the blue to sell you anything. See our scam alert for Florida seniors.
Fall is also the time to ask about your flu, COVID-19 and RSV shots. See what Medicare covers for fall shots.
Medicare and your plan may also include wellness benefits. See our guide to health programs for older adults in Florida.
Disclaimer: This article is for informational purposes only and does not constitute medical, financial, or legal advice. Readers should consult a qualified healthcare provider for medical concerns, a financial advisor for financial planning, and an attorney for legal matters. The resources and programs mentioned are subject to eligibility requirements and availability, which may vary. While we strive for accuracy, the information provided may not reflect the most recent updates. Always verify details with official sources or professionals before making decisions based on this content.