Medicare 2026

Medicare in Connecticut for 2027: 17 Advantage Plans Leaving, 18 New

HARTFORD — Connecticut's Medicare picture for 2027 looks a lot like the state's October weather: steady on the surface, with real change underneath. The number of Medicare Advantage plans offered somewhere in the state ticks up by one, from 47 in 2026 to 48 in 2027. But behind that near-flat total, 17 plans are leaving the state entirely, 18 new plans arrive, and 9 more are changing in ways that could matter — a different premium, a different drug deductible, a different plan type or a different name. Three carriers won't offer a Medicare Advantage plan in Connecticut at all next year, and one carrier is new to the state.

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Those decisions, together with new national Part D rules and a Social Security cost-of-living adjustment, make Annual Enrollment 2027 — October 15 through December 7, 2026 — the window to check how the pieces fit for you.

What is changing in Connecticut's Medicare Advantage lineup for 2027?

For 2027, Connecticut has 48 Medicare Advantage plans offered somewhere in the state, up from 47 in 2026. Within that total, 17 plans are not returning anywhere in Connecticut, 18 plans are new, and 9 are changing a key feature such as premium, drug deductible, plan type or plan name. The changes touch 8 counties.

Three carriers — CarePartners of Connecticut, ConnectiCare and HealthSpring — will not offer a Medicare Advantage plan anywhere in the state in 2027. One carrier, Devoted Health, is new to Connecticut's Medicare Advantage market. Medicare Advantage plans are sold county by county, so a plan counted in the statewide total may or may not be available where you live. The Medicare Plan Finder at medicare.gov shows what is offered at your ZIP code.

If you are already in a Medicare Advantage plan, two pieces of mail do most of the explaining. The Annual Notice of Change, which plans send in September, spells out what will be different about your current plan in 2027. If your plan is not returning, you should also receive a non-renewal letter from the plan. People whose plan is leaving qualify for a Special Enrollment Period that runs through the end of February 2027 to pick a new Medicare Advantage plan or return to Original Medicare with a stand-alone Part D plan. The details and timing are on medicare.gov.

Which Connecticut counties see the most Medicare Advantage change in 2027?

Five counties carry the bulk of the churn. Hartford, Litchfield, Middlesex and New Haven counties each have 16 plans leaving and 8 plans changing. New London County has 16 plans leaving and 7 changing.

Those are statewide-plan footprints that happen to land in each county, not county-specific totals of every plan sold there. The practical point for a reader in Hartford, Torrington, Middletown, New Haven or New London: if you are on a Medicare Advantage plan now, it is worth opening the Annual Notice of Change and running your ZIP code and your prescriptions through the Plan Finder before December 7, 2026.

How many stand-alone Part D drug plans will Connecticut have in 2027?

Connecticut will have 10 stand-alone Medicare Part D prescription drug plans available in 2027, down from 11 in 2026, offered by 5 insurers. Stand-alone Part D is the route people on Original Medicare (and some people with Medigap) use for drug coverage.

Two national rules apply to every Part D plan sold in Connecticut in 2027. The out-of-pocket cap on covered drugs is $2,400, down from $2,100 in 2026. And no plan may set its drug deductible higher than $700. Specific premiums, formularies and pharmacy networks vary plan by plan and belong on the Plan Finder.

How many Medigap insurers are listed for Connecticut in 2027?

A Connecticut ZIP code search on Medicare.gov returns 8 Medigap insurers. Medigap (Medicare Supplement Insurance) is sold alongside Original Medicare to help with cost sharing; the lettered plans (Plan G, Plan N and so on) are standardized, while premiums and the rules for switching are not. Connecticut has state-specific protections around Medigap; the current enrollment rules for your situation are on medicare.gov.

What national Medicare numbers for 2027 are already set?

For Part D, 2027 brings a $2,400 annual out-of-pocket cap on covered drugs and a $700 ceiling on any plan's drug deductible. The Part D base beneficiary premium used in the late-enrollment penalty calculation is $41.33; the premium you actually pay is set by the plan you choose.

The Social Security Administration announced a 3.6 percent cost-of-living adjustment on October 14, 2026, effective with benefits payable in January 2027. The 2027 standard Part B premium and deductible, and the 2027 IRMAA income brackets, have not yet been announced; CMS typically releases those figures in the fall, usually November. When they post, they will be on medicare.gov.

What should Connecticut Medicare members do before December 7, 2026?

A short checklist for Annual Enrollment 2027:

• Read the Annual Notice of Change from your current Medicare Advantage or Part D plan.
• If you received a non-renewal letter, note that a Special Enrollment Period runs through February 2027 for people whose plan is leaving.
• Make a current list of your prescriptions, doses and preferred pharmacies.
• Run your ZIP code and drug list through the Medicare Plan Finder at medicare.gov.
• Confirm any doctors or hospitals you want to keep are covered by any plan you consider.
• Make your choice by December 7, 2026 for a January 1, 2027 start.

Where can Connecticut residents get free Medicare help?

Free, unbiased help is available at medicare.gov and by phone at 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week, including TTY at 1-877-486-2048. Both can walk you through plans available at your address, Part D drug coverage, and Medigap options, and can confirm enrollment dates and Special Enrollment rights.