Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026
Wellcare Sunshine Health Dual Reserve, 2027
H1032Contract202Plan
HMO-POS D-SNP · special needs plan, dual-eligible · 25 counties in Florida
Run by Sunshine State Health Plan, Inc. (contract H1032), sold as Wellcare, owned by Centene Corporation
Wellcare Sunshine Health Dual Reserve (H1032-202) costs $0 a month in 2027, down $4.80 from 2026, with an in-network out-of-pocket limit of $3,000. In 2026 it was called Wellcare Dual Reserve. It leaves 41 counties it served in 2026, where 662 of its members lived; they choose another plan for 2027 (the counties are listed below).
What changes from 2026 to 2027?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| Plan name | Wellcare Dual Reserve | Wellcare Sunshine Health Dual Reserve | renamed |
| Monthly premium | $4.80 | $0 | ▼down $4.80 |
| Drug deductible | $615 | $700 | ▲up $85 |
| Skilled nursing facility, in network | $0 a day for days 1–20, then $218 a day for days 21–40, then $0 a day for days 41–100 | $0 a day for days 1–20, then $221 a day for days 21–40, then $0 a day for days 41–100 | ▲up $30for a 30-day stay |
| Over-the-counter items, yearly | not offered | $804 a year | ▲added |
| Counties served | 66 | 25 | ▼down 41 |
| Drug tier 1, generic | $19 | $15 | ▼down $4 |
| Drug tier 2, preferred brand | $20 | 25% of the cost | changed |
| Drug tier 3, non-preferred drug | 20% of the cost | 43% of the cost | ▲up 23 points |
| Drug tier 4, injectable drugs | $100 | 15% of the cost | changed |
| 13 lines do not change | |||
| In-network out-of-pocket limit | $3,000 | $3,000 | no change |
| Part B premium reduction, monthly | none | none | no change |
| Primary care visit | $0 copay | $0 copay | no change |
| Specialist visit | $0 copay | $0 copay | no change |
| Emergency room | $150 copay | $150 copay | no change |
| Medical deductible, in network | none | none | no change |
| Hospital stay, in network | $0 a day for days 1–90 | $0 a day for days 1–90 | no change |
| Ground ambulance, in network | $150 copay | $150 copay | no change |
| Comprehensive dental, yearly limit | $5,000 a year | $5,000 a year | no change |
| Eyewear, yearly limit | $400 a year | $400 a year | no change |
| Hearing aids, yearly limit for both ears | $1,000 a year | $1,000 a year | no change |
| Drug tier 5, specialty tier | 25% of the cost | 25% of the cost | no change |
| Drug tier 6, select care drugs | $0 | $0 | no change |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026; CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026). Plan details can change during the year; confirm on Medicare Plan Finder.
What will prescriptions cost?
| Tier | What the tier holds | 2026, standard pharmacy | 2027, standard pharmacy | 2027, preferred pharmacy |
|---|---|---|---|---|
| Tier 1 | Generic | $19 | $15 | $0 |
| Tier 2 | Preferred Brand | $20 | 25% of the cost | 20% of the cost |
| Tier 3 | Non-Preferred Drug | 20% of the cost | 43% of the cost | 42% of the cost |
| Tier 4 | Injectable Drugs | $100 | 15% of the cost | 0% of the cost |
| Tier 5 | Specialty Tier | 25% of the cost | 25% of the cost | 25% of the cost |
| Tier 6 | Select Care Drugs | $0 | $0 | $0 |
Source: CMS plan benefit package files, 2027 and 2026. Insulin is capped at $35 a month by law. A drug's tier is set by the plan's formulary.
How does it compare with plans sold where it is?
In the counties it serves, 109 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 10 plans have a lower out-of-pocket limit, 98 a higher one. On the premium, 92 the same, 16 a higher one.
Out-of-pocket limits of the 109 dual-eligible special needs plans
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Where is it sold, and what does it cost there?
It stops serving 41 counties it served in 2026 (listed in the next section).
The premium and the out-of-pocket limit are the same in all 25 counties: $0 a month and $3,000.
Florida
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
What if you live in a county it leaves?
Its 2026 members in the 41 counties listed below cannot stay in it for 2027; each county page lists the 2027 plans sold there.
- Your coverage
- This plan ends for you on December 31, 2026, because it is no longer sold where you live.
- October 15 to December 7, 2026
- Open enrollment: join another Medicare Advantage plan, or Original Medicare with a drug plan. Coverage starts January 1, 2027.
- December 8, 2026 to the end of February 2027
- A special enrollment period because the plan is leaving: you can still join a plan, but coverage starts the first day of the month after you join, so choose by December 31 to have no gap.
- If you do nothing
- You are enrolled in Original Medicare when the plan ends, and because you have Medicaid, Medicare enrolls you in a drug plan.
- If you choose Original Medicare
- You have a guaranteed right to buy Medigap Plan A, B, C, D, F, G, K or L sold in your state by any insurance company; if you were new to Medicare on or after January 1, 2020, Plans D and G take the place of C and F. Apply from 60 days before to 63 days after the plan ends; the policy starts once your Medicare Advantage coverage ends. Other Medigap plans are not covered by this right.
- If you have Medicaid or Extra Help
- You can switch to a different drug plan, or leave a Medicare Advantage plan for Original Medicare with a drug plan, once a calendar month; the change starts the first day of the next month.
| County | Members, Sept. 2026 |
|---|---|
| Leon, FL | 115 |
| Escambia, FL | 62 |
| Alachua, FL | 59 |
| Lee, FL | 58 |
| Gadsden, FL | 50 |
| Levy, FL | 31 |
| Okaloosa, FL | 31 |
| Jackson, FL | 26 |
| Wakulla, FL | 25 |
| Bay, FL | 23 |
| Santa Rosa, FL | 21 |
| Hendry, FL | 20 |
| Suwannee, FL | 19 |
| Sarasota, FL | 18 |
| Manatee, FL | 16 |
| Bradford, FL | 14 |
| Taylor, FL | 14 |
| Highlands, FL | 13 |
| Charlotte, FL | 12 |
| Hardee, FL | 12 |
Show the other 21 counties
| County | Members, Sept. 2026 |
|---|---|
| Putnam, FL | 12 |
| Madison, FL | 11 |
| Baker, FL | fewer than 11 |
| Calhoun, FL | fewer than 11 |
| Collier, FL | fewer than 11 |
| Columbia, FL | fewer than 11 |
| DeSoto, FL | fewer than 11 |
| Dixie, FL | fewer than 11 |
| Franklin, FL | fewer than 11 |
| Gilchrist, FL | fewer than 11 |
| Glades, FL | fewer than 11 |
| Gulf, FL | fewer than 11 |
| Hamilton, FL | fewer than 11 |
| Holmes, FL | fewer than 11 |
| Jefferson, FL | fewer than 11 |
| Lafayette, FL | fewer than 11 |
| Liberty, FL | fewer than 11 |
| Okeechobee, FL | fewer than 11 |
| Union, FL | fewer than 11 |
| Walton, FL | fewer than 11 |
| Washington, FL | fewer than 11 |
Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); Medicare.gov, “Special enrollment periods” and “When can I buy Medigap?” (read Oct. 7, 2026).
Who runs this plan?
- Plan ID
- H1032-202
- Legal name of the contract
- Sunshine State Health Plan, Inc.
- Sold as
- Wellcare
- Parent company
- Centene Corporation
- Plan type
- HMO-POS D-SNP
- 2026 star rating of the contract
- 4 of 5 overall; health plan 4 of 5, drug plan 4 of 5
- Members, September 2026
- 2,694
- Plan website, as filed with CMS
- go.wellcare.com/Medicare
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS 2026 Star Ratings (October 2025); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11). CMS publishes the 2027 Star Ratings in October 2026.
What else should you check?
- Other 2027 plans in Orange, FLWhere most of its members live; premiums and limits side by side
- Every Wellcare plan for 2027Its contracts, counties and plans that end
- The other 19 plans of contract H1032Same company, same contract
- Is your prescription covered?Coverage share and tier for 2,259 drugs
Data, not advice. These are the plan's filed amounts, not a quote for you; confirm on Medicare Plan Finder or call the plan before you enroll.