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

UHC Dual Complete FL-Y8, 2027

H2509Contract003Plan

HMO-POS D-SNP · special needs plan, dual-eligible · 39 counties in Florida

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

Takes in 2 plans

2026 star rating, contract H2509: 3.5 of 5

UHC Dual Complete FL-Y8 (H2509-003) 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-Y5. It takes in the members of H2509-001, H2509-002. Some of its 2026 members move to H1045-073, H2509-001 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-Y5	UHC Dual Complete FL-Y8	renamed
In-network out-of-pocket limit	$9,250	$9,850	up $600
Drug deductible	$615	$75	down $540
Part B premium reduction, monthly	$0.60	none	dropped
Hospital stay, in network	$1,805 a stay	$1,650 a stay	down $155for a 5-day stay
Eyewear, yearly limit	$400 a year	$250 a year	down $150
Hearing aids, yearly limit for both ears	$1,250 a year	$1,100 a year	down $150
Counties served	63	39	down 24
Drug tier 2, generic	25% of the cost	$0	changed
Drug tier 5, specialty tier	25% of the cost	32% of the cost	up 7 points
12 lines do not change
Monthly premium	$0	$0	no change
Primary care visit	0% of the cost	0% of the cost	no change
Specialist visit	0% of the cost	0% of the cost	no change
Emergency room	$115 copay	$115 copay	no change
Medical deductible, in network	none	none	no change
Skilled nursing facility, in network	not filed	not filed	no change
Ground ambulance, in network	20% of the cost	20% of the cost	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Over-the-counter items, yearly	not offered	not offered	no change
Drug tier 1, preferred generic	$0	$0	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

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	$0
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	32% 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, 58 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 22 plans have a lower out-of-pocket limit, 35 the same. On the premium, 53 the same, 4 a higher one.

Out-of-pocket limits of the 58 dual-eligible special needs plans

$0 to under $2,0007 plans

$2,000 to under $4,0007 plans

$4,000 to under $6,0006 plans

$6,000 to under $8,0002 plans

$8,000 to $10,000 (this plan)36 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 39 counties: $0 a month and $9,850.

Florida

Alachua Baker Bay Bradford Calhoun Citrus Columbia DeSoto Dixie Escambia Franklin Gadsden Gilchrist Glades Gulf Hamilton Hardee Hendry Highlands Holmes Jackson Jefferson Lafayette Leon Levy Liberty Madison Martin Nassau Okaloosa Okeechobee Putnam Santa Rosa Suwannee Taylor Union Wakulla Walton Washington

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 3 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 Dual Complete FL-Y5H1045-073	24 of its 63 2026 counties, in Florida	41,937	$0	$9,850
UHC Dual Complete FL-YLH2509-001	28 of its 63 2026 counties, in Florida	25,953	$0	$9,850
Stays in this plan	39 of its 63 2026 counties, in Florida	11,665	$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 2 other plans, beside its own 53,735 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 Dual Complete FL-Y001H2509-001	1,106	100	$0	no change	$9,250	up $600
UHC Dual Complete FL-D006H2509-002	20,177	20,081	$0	no change	$9,250	up $600

Only the members of UHC Dual Complete FL-Y001 (H2509-001) who live in the 16 counties where this plan is sold move into it (100 of its 1,106 members); in its other 13 counties 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: H2509-003
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: 53,735
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.