Medicare Supplement Plans in Florida for 2027 and the 6-Month Window

Florida is one of the biggest Medicare markets in the country. CMS reported that 5,196,218 people were enrolled in Medicare in Florida in its 2026 landscape fact sheet. A large share of them sit in Medicare Advantage plans and only look at Medicare Supplement coverage after an Annual Notice of Change arrives.

That is the wrong order, because Medigap has its own calendar. The October 15 to December 7 window changes Medicare Advantage and Part D enrollment. It does not force a Medigap carrier to accept you.

How does Medigap work in Florida compared with Medicare Advantage?

A Medicare Supplement policy sits on top of Original Medicare. You keep Part A and Part B, Medicare pays first, and the policy pays the share the plan letter covers. You can use any provider in the country who accepts Medicare, with no network and no plan referrals.

Medicare Advantage replaces how you receive your benefits and uses a county-level network. The honest trade-off between the two is laid out in our comparison of Medicare Advantage and Medigap for 2027. Medigap policies sold today do not include drug coverage, so most people add a stand-alone Part D plan.

Which Medigap plans can you buy in Florida for 2027?

Medigap benefits are federally standardized into 10 plan letters: A, B, C, D, F, G, K, L, M and N. Two identical letters cover the same benefits no matter which company sells them, so the differences are price, rating method and service.

Medicare notes that eligibility for Plan C and Plan F depends on when you first became eligible for Medicare. People who became eligible on or after January 1, 2020 generally cannot buy those two letters. Plan G is the letter most new enrollees consider instead.

Three letters work differently. Plan N pays the Part B coinsurance except for copayments of up to $20 for some office visits and up to $50 for emergency room visits that do not lead to admission. Plan K and Plan L cap your spending instead, at $8,000 and $4,000 in 2026. High-deductible versions of Plan F and Plan G require you to pay $2,950 in 2026 before the policy pays.

When can you buy a Medicare Supplement policy in Florida without health questions?

Florida writes its own open enrollment rule into section 627.6741, Florida Statutes. The Florida Department of Financial Services explains that companies must accept applications and may not price by health history during an open enrollment period that begins the first day of the month you turn 65 and are enrolled in Medicare Part B.

Two Florida-specific details matter. If you delayed Part B, you get 6 months from your Part B effective date, and there is a 2-month window after employer group coverage ends. Florida also requires a 6-month window for people who qualify for Medicare under 65 by disability or ESRD, and every carrier selling Medigap in the state must offer policies to them.

After those windows close, Medicare is direct: insurers do not have to sell you a policy unless you have a guaranteed issue right. Federal guaranteed issue rights and state rules both vary, which is why our Texas Medigap page reads differently from this one. Applications outside a protected window can go through medical underwriting.

What decides Florida Medicare supplement rates, and where can you check them?

Carriers file Medigap rates with the Florida Office of Insurance Regulation, and premiums vary by county, age, gender and tobacco use. Florida’s SHINE program directs consumers to compare on those same factors before choosing a company.

OIR publishes the CHOICES rate comparison system, which was expanded beyond auto and homeowners to include Medicare Supplement and small group health insurance. The Medicare Supplement tool is interactive and calculates rates for any Florida county based on the criteria you enter. The Department of Financial Services consumer helpline is 1-877-693-5236 if you want to check a company or file a complaint.

We do not publish premium figures here, because a filed rate is specific to your county, age band and carrier, and it changes on rate filings. Run your own county in CHOICES, then compare quotes for the same plan letter.

Is Plan G or Plan N the better fit for a Florida household?

The choice comes down to whether you prefer a higher fixed premium or smaller variable costs. Both letters leave you the annual Part B deductible, which was $283 in 2026. The Part A hospital deductible was $1,736 per benefit period in 2026, and both letters cover it.

Part B excess charges apply only when a provider does not accept Medicare assignment, which is uncommon but not impossible. A household with frequent specialist visits may prefer Plan G. A generally healthy person who wants a lower premium may prefer Plan N and accept the copays. [VERIFY: 2027 Part B deductible, Part A deductible and Plan K and Plan L limits once CMS publishes them in late 2026]

Can you move from Medicare Advantage to Medigap during the October 15 to December 7 window?

You can use the Annual Enrollment Period to return to Original Medicare effective January 1. That step alone does not guarantee a Medigap approval. The two actions run on separate clocks, which is the point we make in our explainer on switching from Medicare Advantage to Medigap under the 63-day rule.

CMS trial rights help a narrow group. You qualify if you joined a Medicare Advantage plan when first eligible at 65, or if you dropped a Medigap policy to try Medicare Advantage for the first time, and you leave within 12 months. Applications generally run from 60 days before your Advantage coverage ends to 63 days after it ends.

If no trial right or other guaranteed issue right applies in Florida, plan for underwriting and get the Medigap approval in hand before you disenroll. Medicare Advantage Open Enrollment, January 1 to March 31, gives you one more change between Advantage plans, but it is not a Medigap guarantee either.

If you want a second set of eyes on the dates, reach us by phone or video. We review the windows that apply to you, in your county, and put the sequence in writing.