Broward County Medicare Alert: 3 Carriers Dropped Plans This Year. Here Are Your Options.

Broward County Is a Medicare Battleground

South Florida is where Medicare Advantage carriers go to compete — or go to die. And Broward County, with a population of 1,962,531 and one of the highest concentrations of seniors in the state, is ground zero.

When I pulled the current CMS plan landscape data for Broward County, the numbers were striking: 119 Medicare Advantage plans from 21 different organizations. That is more plan options than most states have in total. Florida statewide offers 600 MA plans — and Broward alone accounts for roughly one in five.

But more plans does not mean better plans. The quality spread in Broward is enormous, and the carriers at the bottom of the star rating scale are operating under the same financial pressures that drove hundreds of plan exits nationally in 2026.

Source: CMS.gov — Medicare Part C & D Performance Data

Who Dominates Broward County?

Let me show you the competitive landscape. Here are the carriers with the most plans in the county:

Source: Medicare.gov Plan Finder — 2026 Plan Data

The Plans You Should Worry About

Florida Complete Care is the carrier that should concern Broward beneficiaries right now. All three of its plans — an HMO I-SNP, an HMO-POS I-SNP, and an HMO-POS D-SNP — carry just 3.0 stars, the lowest rating of any carrier in the county.

At 3.0 stars, these plans are ineligible for CMS quality bonus payments — the extra funding that allows higher-rated plans to offer richer benefits. Nationally, plans at this rating level are the most likely to cut benefits, raise premiums, or exit markets entirely.

Also watch: Humana's PPO and Regional PPO plans in Broward sit at 3.5 stars. That includes HumanaChoice R5826-005, which charges 184 dollars per month — the most expensive plan in the county — for a 3.5-star rating. Florida Blue's BlueMedicare Select charges 153.70 per month, also at 3.5 stars. You are paying premium prices for below-premium quality.

The Best Options in Broward County

Now the good news. Broward County has some of the highest-rated Medicare Advantage plans in the entire state. If you are in a lower-rated plan, the alternatives are strong.

5.0-Star Plans: Devoted Health

Devoted Health earned a perfect 5.0-star rating across all 9 of its Broward County plans — including HMOs, D-SNPs, and C-SNPs. Several carry zero-dollar premiums:

A 5.0-star plan at zero dollars per month, in a county with 119 options. If you are paying 184 dollars per month for a 3.5-star Humana PPO, the math should make you uncomfortable.

4.5-Star Plans: Deep Bench

Broward has 64 plans rated 4.5 stars — more than half of all available plans. Major carriers at this level include CarePlus (11 plans), Humana (13 plans), UnitedHealthcare (10 plans), Simply Healthcare (9 plans), Aetna (7 plans), and HealthSun (6 plans). Nearly all carry zero-dollar premiums.

Broward's Health Burden: Why Plan Quality Matters Here

Broward County is not a place where "good enough" Medicare coverage cuts it. The chronic disease numbers from CDC PLACES tell you exactly why:

Source: CDC PLACES — Local Data for Better Health, 2023 Release

When one in three Broward adults has high blood pressure and one in seven has diabetes, the quality of your Medicare Advantage plan's chronic disease management is not an abstract score. It is the difference between controlled conditions and emergency hospitalizations. A 3.0-star plan managing your diabetes is not the same as a 5.0-star plan managing your diabetes.

Hospital Quality in Broward

Your plan's network determines which hospitals you can access. Two of Broward's largest hospitals — Memorial Regional Hospital and Broward Health Medical Center — carry 3-star CMS ratings. Both are government-operated and serve as safety-net facilities for the county.

This matters because lower-rated plans often have narrower networks that may limit your hospital options. Before switching plans, verify that your preferred hospitals and specialists are in-network. A 5.0-star plan is only useful if its network includes the providers you need.

Source: Medicare.gov — Care Compare Hospital Ratings

What Broward Seniors Should Do Right Now

1. Check your plan's star rating on Medicare.gov Plan Finder. If you are in a Florida Complete Care plan (3.0 stars) or a 3.5-star plan, start researching alternatives now.
2. Compare against Devoted Health, CarePlus, and Aetna — all have 4.5 to 5.0-star plans in Broward with zero-dollar premiums. Check their provider networks against your current doctors and hospitals.
3. If you are paying 100+ dollars per month for a 3.5-star PPO, ask yourself whether network flexibility is worth the premium when higher-rated HMOs are available at zero cost.
4. Do not wait for a cancellation notice. Plan exits are filed with CMS months before beneficiaries are informed. If your plan's rating is trending down, the best alternatives may have limited capacity by the time you are notified.
5. Talk to an independent Medicare broker — not the carrier's sales line. A broker can show you all 119 options, compare networks, and identify the best fit for your specific health needs.