Medicare in Miami-Dade County, FL
One of the most competitive — and volatile — Medicare Advantage markets in the country. Here's what 420,000+ seniors need to know.
What's Happening in Miami-Dade Medicare
Miami-Dade County has one of the highest concentrations of Medicare Advantage plans in the nation — but that competition hasn't protected seniors from the nationwide wave of plan exits and benefit cuts.
In 2026, Humana exited 198 counties nationwide and reduced benefits in many of its remaining markets. Several plans in Miami-Dade saw OTC allowances reduced and transportation benefits tightened. Meanwhile, UnitedHealthcare left 225 counties — though it maintained most of its South Florida presence due to high enrollment density.
The county's average star rating of 4.0 is slightly above the national average of 3.66, which provides some buffer. But 8 plans rated 3.0 or below remain at elevated risk of exit for Plan Year 2027.
Carrier Breakdown
Here's who's offering plans in Miami-Dade and their current stability outlook:
Hospitals Accepting Medicare in Miami-Dade
Hospital network access matters as much as the plan itself. Here are the major Medicare-certified hospitals: