Choosing and changing coverage
What happens if my Medicare Advantage plan is leaving for 2027?
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Medicare Advantage plans in your area are changing or leaving for 2027.
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Medicare Advantage plans in your area are changing or leaving for 2027.
Is your plan one of them? Call now — one free call tells you.
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Short answer
If your Medicare Advantage plan won't be offered in your area for 2027, the plan must tell you in writing, and you can choose new coverage during Annual Enrollment (October 15 to December 7, 2026) or in a Special Enrollment Period that runs through the end of February 2027.
If you don't choose, you'll have Original Medicare from January 1, 2027, but no Medicare drug coverage unless you join a Part D plan.
You also get a guaranteed right to buy certain Medigap policies, applying no more than 63 days after your plan coverage ends.
| Fact | Figure | Source |
|---|---|---|
| Notice | A non-renewal letter from the plan, sent in the fall | CMS |
| Annual Enrollment | October 15 to December 7, 2026 | Medicare.gov |
| Special Enrollment Period | Through the end of February 2027 | CMS |
| If you do nothing | Original Medicare on January 1, 2027, without drug coverage | Medicare.gov |
| Medigap guaranteed issue | Apply no more than 63 days after the plan coverage ends | Medicare.gov |
| National plan changes for 2027 | 1,116 new, 1,150 leaving, 1,632 changing | CMS Medicare Advantage Landscape files |
How do I know if my plan is leaving?
Your plan must send a non-renewal letter in the fall saying it won't be offered in your area next year, and your Annual Notice of Change will say so too. Nationally, the CMS plan files for 2027 show 1,116 new, 1,150 leaving, 1,632 changing, each plan counted once. See how many plans are leaving, changing or new in your state and county.
What are my options?
- Choose another Medicare Advantage plan offered in your area.
- Return to Original Medicare and join a stand-alone Part D drug plan, and, if you want, buy a Medigap policy using your guaranteed issue right.
- Do nothing: you'll be in Original Medicare on January 1, 2027, with no drug coverage until you join a Part D plan.
How long do I have to choose?
You can use Annual Enrollment (October 15 to December 7, 2026) for coverage that starts January 1, 2027, with no gap. Your Special Enrollment Period then runs through the end of February 2027; a plan chosen after December 7 starts the first of the month after you join, so choosing by December 7 avoids a gap in drug coverage.
Can I buy a Medigap policy?
Yes. When your plan leaves Medicare or your area, you have a guaranteed issue right to buy Medigap Plan A, B, C, D, F, G, K or L sold in your state (C and F only if you were eligible for Medicare before 2020), without health questions. Apply no more than 63 days after your plan coverage ends, and keep the plan's letter as proof.
What should I check in a new plan?
Whether your doctors and hospitals are in its network, whether your drugs are on its list, and its total costs. A 6-step checklist.
On this site: Medicare Advantage plan changes by state and countyMedicare Advantage plans by state
Good to know
More questions people ask
Will I lose my Medicare if my plan leaves?
Is my plan leaving the same as my doctor leaving the network?
How many Medicare Advantage plans are leaving in my state?
Related questions
In depth
- Medicare.gov: Special Enrollment Periods
- Medicare.gov: Joining a health or drug plan
- Medicare.gov: Changing Medigap policies
Figures are Medicare’s, set nationally, and were checked against these pages on October 2026. For your own situation, contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048).
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This page was last updated: October 2026.