Medicare 2026: Fewer choices, higher costs ahead

Florida’s 5 million Medicare enrollees will see significant changes in 2026 to premiums, deductibles and choices in plans.

“You are going to need to pay close attention to your annual notice of change,” said Jenny Chumbley Hogue, a health insurance expert and contributor for medicareresources.org.

In Florida, like many other markets, Medicare Advantage plans are shrinking, shifting and exiting pockets of the state. Some existing Medicare Advantage plans may not be available next year, have higher premiums, or cover fewer doctors, hospitals, and pharmacies.

“If a doctor or other provider is important to you, do not rely on online directories,” Chumbly Hogue said. “Call and ask which plans they are participating in for 2026.”

In Broward County, SHINE liaison Gloria Ayan said many enrolle