Medicare Supplement Plans Florida 2027: The Alonzo Mourning Law, Plan F Holders and How to Shop

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 29, 2026

Medicare Supplement plans in Florida must be offered to residents under 65 who are on Medicare because of a disability or end-stage renal disease, a right Florida added in 2009 under the Alonzo Mourning Access to Care Act. Florida has no birthday rule, so outside a guaranteed window you switch plans by answering health questions, and you compare approved rates by county with the state’s CHOICES tool.

2027 by the Numbers

957,746

Florida Medicare Supplement enrollees, Dec. 2025 (Mark Farrah Associates)

50.7%

held by the largest company, UnitedHealthcare (same report)

43.5%

of Florida enrollees still in Plan F (same report)

Oct. 1, 2009

start of Florida’s under-65 guaranteed window (OIR)

Florida has close to a million Medicare Supplement policyholders, and its market looks different from most states. One company holds half of all policies, Plan F is still the most common letter, and the state guarantees coverage to younger people on Medicare, including people on dialysis, which federal law does not.

Here is what Florida law adds, where the state lets you check rates, and how to shop for 2027. For the benefits each letter pays, see our Plan G 2027 guide.

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Florida's Market: One Dominant Company and Lots of Plan F

Medicare Supplement plans Florida 2027: share of Florida enrollees in Plan F, Plan G and Plan N, December 2025

Mark Farrah Associates counted 957,746 Florida Medicare Supplement enrollees at the end of 2025. Florida is more concentrated than most states, and older plan letters still dominate.

Florida figure (Dec. 31, 2025)	Enrollees	Share
UnitedHealthcare	485,833	50.7%
Second-largest company	154,022	16.1%
Third-largest company	124,858	13.0%
Plan F	416,688	43.5%
Plan G	319,367	33.3%
Plan N	106,426	11.1%

Source: Mark Farrah Associates, December 2025 Medigap Enrollment & Market Share report.

Three companies hold about 80% of Florida policies. That makes shopping more important, not less, because many Floridians have never compared their rate against the smaller companies.

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The Alonzo Mourning Access to Care Act

In 2009 Florida passed House Bill 675, named for Alonzo Mourning. It amended Section 627.6741 of the Florida Statutes to give younger Medicare enrollees a right to buy coverage.

Who qualifies. Florida residents under 65 who are on Medicare because of a disability or end-stage renal disease and are enrolled in Part B.

The window. Six months, starting when you are first eligible and enrolled in Part B. No company can turn you down for health reasons in that time.

Start date. Insurers had to begin offering this coverage on October 1, 2009, under Office of Insurance Regulation memo OIR-09-05M.

Separate pricing pool. The law makes insurers rate under-65 enrollees on their own claims experience, separately from people over 65.

Good to know: Florida’s law names end-stage renal disease, so people on dialysis are included. California’s under-65 rule, by contrast, leaves them out.

No Birthday Rule: How Floridians Change Plans

Florida does not have a birthday or anniversary switching window. Outside your six-month open enrollment at 65 or a federal guaranteed issue right, a new company can ask health questions and decline you.

Florida rule	What it means when you switch
Pre-existing limit capped at 6 months	A new policy can never make you wait longer than six months for a pre-existing condition
6 months of prior coverage	If you had at least six months of continuous coverage, there is no pre-existing wait
Credit for time served	A replacing company must count waiting periods you already met under your old policy

Source: Section 627.6741, Florida Statutes.

So the practical risk in Florida is being declined, not a waiting period. Apply for the new policy first and cancel the old one only after approval. See our guaranteed issue guide for the federal rights that let you skip health questions.

Plan F Still Leads in Florida

Medicare Supplement plans Florida 2027: Plan F compared with Plan G for Florida buyers

Plan F covers everything Plan G does plus the Part B deductible, but only people eligible for Medicare before January 1, 2020 can buy it. Florida’s many long-time retirees explain why F still holds 43.5% of the state’s policies.

Question	Plan F	Plan G
Who can buy it	Eligible for Medicare before 2020	Anyone with Medicare
Part B deductible (projected $292 in 2027)	Covered	You pay it
Excess charges	Covered	Covered
Pool of new buyers	Closed and aging	Growing every year

Benefits from Medicare.gov; 2027 deductible is the Medicare Trustees projection.

If you hold Plan F, compare its premium with Plan G. When the yearly savings beat the deductible, Plan G wins, but in Florida you would need to pass health questions to switch. Our Plan F vs Plan G page walks through the math.

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Protections Written into Florida Law

No cancellation for getting sick. A Florida company may not cancel or refuse to renew your policy for any reason other than unpaid premium or material misrepresentation.

Hospital deductible deals. Florida lets insurers contract with hospitals to waive all or part of the Part A deductible.

Refund of unearned premium. If a policy ends, the company must promptly return premium paid for time not covered.

Broker tip: Your Florida policy works with any doctor or hospital in the country that takes Medicare. Snowbirds who spend summers up north keep full coverage there.

Checking Florida Rates with CHOICES and Getting SHINE Help

The Florida Office of Insurance Regulation runs the CHOICES Rate Comparison Tool. For Medicare Supplement, you enter your county and details to see filed rates for companies selling there. The Office notes the figures are for illustration and that your actual quote comes from an agent or insurer.

Run CHOICES for your county. Filed rates can differ from one Florida county to the next.

Check smaller companies too. With three companies holding most policies, the lowest rate is often elsewhere.

Talk to SHINE. SHINE, Serving Health Insurance Needs of Elders, is Florida’s free Medicare counseling program run by the Department of Elder Affairs.

Get agent quotes. A licensed agent can quote several companies at once. See our cheapest Medicare Supplement plans guide for what drives price.

Bottom Line

Florida protects younger Medicare enrollees better than federal law, including people on dialysis, but it gives no yearly birthday window, so the plan you pick at 65 matters. Use the state’s CHOICES tool to see rates in your county and compare beyond the largest company before you apply.

View 2027 Florida plans & rates in your county

Speak with a licensed insurance agent

1-855-409-6195TTY 711

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Medicare Supplement Plans Florida — Frequently Asked Questions

➤ What is Florida’s Alonzo Mourning Access to Care Act?

It is a 2009 Florida law, House Bill 675, that requires companies selling Medicare Supplement coverage to also offer it to residents under 65 on Medicare due to disability or end-stage renal disease, with a six-month guaranteed window.

➤ Can someone on dialysis under 65 buy a Medicare Supplement in Florida?

Yes. Florida’s law covers people under 65 whose Medicare is based on end-stage renal disease, as long as they live in Florida and are enrolled in Part B. Apply during the six-month window.

➤ Does Florida have a birthday rule for switching plans?

No. Florida has no birthday or anniversary rule. Outside open enrollment or a federal guaranteed right, a new company can ask health questions.

➤ Why is Plan F still the most common plan in Florida?

Many Florida retirees joined Medicare before 2020, when Plan F was open to everyone. About 43.5% of Florida enrollees still had Plan F at the end of 2025.

➤ Can a Florida insurer cancel my policy because I got sick?

No. Florida law only allows cancellation or non-renewal for unpaid premium or material misrepresentation on the application.

➤ How does Florida’s CHOICES tool help me compare premiums?

The Office of Insurance Regulation’s CHOICES tool shows filed Medicare Supplement rates for companies selling in your county. Use it as a guide, then get an actual quote.

➤ What does SHINE stand for in Florida?

Serving Health Insurance Needs of Elders. It is the Florida Department of Elder Affairs’ free, unbiased Medicare counseling program.

➤ Will a new Florida policy make me wait for pre-existing conditions?

Not if you had at least six months of continuous prior coverage. Otherwise, Florida caps any pre-existing waiting period at six months.

New to Medicare?

If you are new to Medicare, then you can enroll in a 2027 Medicare Supplement plan up to six months prior to your Medicare Part B effective date.

Call one of our licensed insurance agents to see what the best time frame is for you to enroll, based on your current situation. You can contact them at 1-855-409-6195.

Medicare Supplement Quotes

Call a Licensed Agent Now

Compare 2027 Plan G, Plan N and more from several insurance companies in one call.

☎ 1-855-409-6195

TTY users 711

No obligation to enroll

Speak with a licensed insurance agent

1-855-409-6195

Compare plans in your area

1-855-409-6195 TTY 711

Medicare Supplement Plans Florida 2027: The Alonzo Mourning Law, Plan F Holders and How to Shop

Compare 2027 Florida Medicare Supplement Rates

Speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT

Florida's Market: One Dominant Company and Lots of Plan F

The Alonzo Mourning Access to Care Act

No Birthday Rule: How Floridians Change Plans

Plan F Still Leads in Florida

Compare plans & benefits in your area

Or speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT

Protections Written into Florida Law

Checking Florida Rates with CHOICES and Getting SHINE Help

Bottom Line

View 2027 Florida plans & rates in your county

Speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT

Medicare Supplement Plans Florida — Frequently Asked Questions

New to Medicare?

Compare plans & benefits in your area

Or speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT