Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026

UHC Dual Complete FL-YL, 2027

H2509Contract001Plan

HMO-POS D-SNP · special needs plan, dual-eligible · 29 counties in Florida

Run by UnitedHealthcare of Florida, Inc. (contract H2509), sold as UnitedHealthcare, owned by UnitedHealth Group, Inc.

Takes in 8 plans

2026 star rating, contract H2509: 3.5 of 5

UHC Dual Complete FL-YL (H2509-001) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $9,850 ($9,250 in 2026). In 2026 it was called UHC Dual Complete FL-Y001. It takes in the members of H1045-012, H1045-039, H1045-061, H1045-063, H2509-002, H2509-003, H5420-006, H5420-015. Some of its 2026 members move to H1045-063, H1045-073, H2509-003 instead (CMS crosswalk).

What changes from 2026 to 2027?

The changed lines are marked and come first. In-network amounts; members keep paying the Part B premium unless the plan reduces it.
What you pay or get	2026	2027	Change
Plan name	UHC Dual Complete FL-Y001	UHC Dual Complete FL-YL	renamed
In-network out-of-pocket limit	$9,250	$9,850	up $600
Drug deductible	$615	$700	up $85
Part B premium reduction, monthly	$0.10	none	dropped
Emergency room	$115 copay	$0 copay	down $115
Eyewear, yearly limit	$400 a year	$300 a year	down $100
Hearing aids, yearly limit for both ears	$1,600 a year	$1,100 a year	down $500
15 lines do not change
Monthly premium	$0	$0	no change
Primary care visit	$0 copay	$0 copay	no change
Specialist visit	$0 copay	$0 copay	no change
Medical deductible, in network	none	none	no change
Hospital stay, in network	$0 a stay	$0 a stay	no change
Skilled nursing facility, in network	not filed	not filed	no change
Ground ambulance, in network	$0 copay	$0 copay	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Over-the-counter items, yearly	not offered	not offered	no change
Counties served	29	29	no change
Drug tier 1, preferred generic	$0	$0	no change
Drug tier 2, generic	25% of the cost	25% of the cost	no change
Drug tier 3, preferred brand	25% of the cost	25% of the cost	no change
Drug tier 4, non-preferred drug	25% of the cost	25% of the cost	no change
Drug tier 5, specialty tier	25% of the cost	25% of the cost	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?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked
Tier	What the tier holds	2026	2027
Tier 1	Preferred Generic	$0	$0
Tier 2	Generic	25% of the cost	25% of the cost
Tier 3	Preferred Brand	25% of the cost	25% of the cost
Tier 4	Non-Preferred Drug	25% of the cost	25% of the cost
Tier 5	Specialty Tier	25% of the cost	25% of the cost

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, 93 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 40 plans have a lower out-of-pocket limit, 52 the same. On the premium, 80 the same, 12 a higher one.

Out-of-pocket limits of the 93 dual-eligible special needs plans

$0 to under $2,0008 plans

$2,000 to under $4,00024 plans

$4,000 to under $6,0008 plans

$6,000 to under $8,0000 plans

$8,000 to $10,000 (this plan)53 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?

The premium and the out-of-pocket limit are the same in all 29 counties: $0 a month and $9,850.

Florida

Alachua Baker Bradford Citrus Clay Columbia Dixie Duval Flagler Gilchrist Hamilton Hardee Hernando Highlands Hillsborough Lafayette Lake Levy Manatee Marion Miami-Dade Nassau Polk Putnam St. Johns Sumter Suwannee Union Volusia

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Where do its 2026 members go?

The CMS crosswalk moves the members of the 2026 plan into 4 plans for 2027. It names the plans but not which member goes to which; the counties show where each 2027 plan is sold, and the plan's Annual Notice of Change says which one is yours.

2027 plan	Sold in	Members in those counties, Sept. 2026	Premium 2027	Limit 2027
UHC Preferred Dual Complete FL-Y6H1045-063	1 of its 29 2026 counties, in Florida	152	$0	$9,850
UHC Dual Complete FL-Y5H1045-073	12 of its 29 2026 counties, in Florida	815	$0	$9,850
Stays in this plan	29 of its 29 2026 counties, in Florida	1,067	$0	$9,850
UHC Dual Complete FL-Y8H2509-003	16 of its 29 2026 counties, in Florida	100	$0	$9,850

Where the plans are sold in the same counties, the member counts overlap, so they add up to more than the plan's members.

Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11).

Which 2026 plans move into it, and what changes for their members?

For 2027 this plan takes in the members of 8 other plans, beside its own 1,106 members. In 2027 it costs $0 a month with a $9,850 limit; each row compares that with the plan its members had in 2026.

2026 plan	Members, Sept. 2026	Members who move	Premium 2026	Premium change	Limit 2026	Limit change
UHC Preferred Dual Complete FL-D001H1045-012	15,495	10,116	$4.80	down $4.80	$9,250	up $600
UHC Dual Complete FL-D002H1045-039	62,912	31,110	$0	no change	$9,250	up $600
UHC Preferred Dual Complete FL-V1H1045-061	798	434	$4.80	down $4.80	$2,900	up $6,950
UHC Preferred Dual Complete FL-Y2H1045-063	27,257	22,426	$4.80	down $4.80	$9,250	up $600
UHC Dual Complete FL-D006H2509-002	20,177	8,751	$0	no change	$9,250	up $600
UHC Dual Complete FL-Y5H2509-003	53,735	25,953	$0	no change	$9,250	up $600
UHC MedicareMax Dual Complete FL-D4H5420-006	7,468	6,797	$4.80	down $4.80	$9,250	up $600
UHC MedicareMax Dual Complete FL-V3H5420-015	592	535	$4.80	down $4.80	$3,400	up $6,450

Only the members of UHC Preferred Dual Complete FL-D001 (H1045-012) who live in the 1 county where this plan is sold move into it (10,116 of its 15,495 members); in its other 1 county the plan ends and members choose a new one. What happens where.

Only the members of UHC Dual Complete FL-D002 (H1045-039) who live in the 12 counties where this plan is sold move into it (31,110 of its 62,912 members); in its other 12 counties the plan ends and members choose a new one. What happens where.

Only the members of UHC Preferred Dual Complete FL-V1 (H1045-061) who live in the 1 county where this plan is sold move into it (434 of its 798 members); in its other 1 county the plan ends and members choose a new one. What happens where.

Only the members of UHC Preferred Dual Complete FL-Y2 (H1045-063) who live in the 1 county where this plan is sold move into it (22,426 of its 27,257 members); in its other 1 county the plan ends and members choose a new one. What happens where.

Only the members of UHC Dual Complete FL-D006 (H2509-002) who live in the 16 counties where this plan is sold move into it (8,751 of its 20,177 members); in its other 23 counties the plan ends and members choose a new one. What happens where.

Only the members of UHC Dual Complete FL-Y5 (H2509-003) who live in the 28 counties where this plan is sold move into it (25,953 of its 53,735 members); in its other 35 counties the plan ends and members choose a new one. What happens where.

Only the members of UHC MedicareMax Dual Complete FL-D4 (H5420-006) who live in the 1 county where this plan is sold move into it (6,797 of its 7,468 members); in its other 1 county the plan ends and members choose a new one. What happens where.

Only the members of UHC MedicareMax Dual Complete FL-V3 (H5420-015) who live in the 1 county where this plan is sold move into it (535 of its 592 members); in its other 1 county the plan ends and members choose a new one. What happens where.

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); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision). Each moving plan's own page lists every line that changes for its members.

Who runs this plan?

Plan ID: H2509-001
Legal name of the contract: UnitedHealthcare of Florida, Inc.
Sold as: UnitedHealthcare
Parent company: UnitedHealth Group, Inc.
Plan type: HMO-POS D-SNP
2026 star rating of the contract: 3.5 of 5 overall; health plan 3.5 of 5, drug plan 4 of 5
Members, September 2026: 1,106
Plan website, as filed with CMS: UHC.com/CommunityPlan

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 Hillsborough, FLWhere most of its members live; premiums and limits side by side
Every UnitedHealthcare plan for 2027Its contracts, counties and plans that end
The other 2 plans of contract H2509Same 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.