Medicare 2026

Medicare in Georgia for 2027: 22 Advantage Plans Leaving, 17 New, and What Else Changes

ATLANTA — People with Medicare in Georgia will see a shifting menu of choices for 2027. The state's Medicare Advantage lineup moves from 166 plans in 2026 to 161 in 2027, with 22 plans not returning anywhere in the state, 17 new plans arriving, and 36 existing plans changing something about their setup — a different premium, drug deductible, plan type or plan name — across Georgia's 159 counties. The window to compare and switch is Medicare Open Enrollment 2027, which runs October 15 through December 7, 2026, with any new choice starting January 1, 2027.

Medicare 2026Georgia

What is changing with Medicare Advantage in Georgia for 2027?

Georgia will have 161 Medicare Advantage plans in 2027, down from 166 in 2026, with 22 plans not returning statewide, 17 new plans entering, and 36 plans changing a premium, drug deductible, plan type or plan name. Two carriers — CareSource and Clear Spring Health — will not offer a Medicare Advantage plan anywhere in Georgia for 2027.

If your current plan is leaving, your insurer must mail a non-renewal letter in early fall 2026. If your plan is staying but changing, you should receive an Annual Notice of Change (ANOC) by late September 2026 explaining what is different for the new year. Read both carefully, because they describe your 2027 coverage.

Members whose plan is not returning qualify for a Special Enrollment Period that runs through the end of February 2027 to choose another Medicare Advantage plan or move back to Original Medicare and add a stand-alone Part D plan. Most other members use Open Enrollment, October 15 – December 7, 2026, to make changes for January 1, 2027.

Remember that Medicare Advantage plans are offered county by county. A plan counted in the statewide total may or may not be available where you live, which is why the Medicare Plan Finder at medicare.gov checks by ZIP code.

Which Georgia counties have the most Medicare Advantage churn for 2027?

Five metro Atlanta–area counties lead the state in Medicare Advantage change for 2027. In Cherokee County, 19 plans are leaving and 21 are changing. In Clayton County, 19 are leaving and 21 are changing. In Cobb County, 21 are leaving and 19 are changing. In Rockdale County, 20 are leaving and 20 are changing. In Coweta County, 21 are leaving and 18 are changing.

If you live in one of these counties, there is a higher-than-average chance your 2027 plan will look different or disappear. Even if your plan is listed as "changing" rather than "leaving," the change could affect something that matters to you, so it is worth running your own ZIP code, doctors and medications through the Plan Finder before December 7, 2026.

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

Georgia will have 9 stand-alone Medicare Part D prescription drug plans in 2027, down from 10 in 2026, offered by 5 insurers. These are the plans people choose when they stay with Original Medicare and want prescription drug coverage, or when they pair a plan with a Medigap policy.

Because the lineup changed, anyone with a stand-alone Part D plan should read the Annual Notice of Change for 2027 and compare the remaining choices in the Plan Finder. Formularies (drug lists), pharmacy networks and tiers are set plan by plan and can be checked at medicare.gov or by calling 1-800-MEDICARE.

How many Medigap insurers are available in Georgia for 2027?

Medicare.gov currently lists 23 Medigap (Medicare Supplement) insurers for a Georgia ZIP code. Medigap policies work alongside Original Medicare to help with cost sharing and are standardized by letter, so a Plan G from one insurer covers the same services as a Plan G from another, though premiums are set by each insurer.

Rules about when you can buy a Medigap policy without medical underwriting are set nationally; the specifics for your situation are explained at medicare.gov. Georgia residents can also compare Medigap offerings by ZIP code using the Medigap tool on medicare.gov.

What are the confirmed national Medicare numbers for 2027?

For 2027, the Part D out-of-pocket cap is $2,400, down from $2,100 in 2026. The most any Part D plan may charge as a deductible in 2027 is $700. The Part D base beneficiary premium for 2027 is $41.33 — a national figure used to calculate the Part D late-enrollment penalty; actual plan premiums are set plan by plan.

The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment (COLA) for benefits payable beginning January 2027.

The 2027 standard Part B premium and deductible, and the 2027 IRMAA income brackets and surcharges, have not been announced yet. CMS typically releases those figures in the fall, usually November. Watch medicare.gov for the official numbers.

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

Before the December 7, 2026 deadline, Georgia members should take four steps. First, open the Annual Notice of Change or non-renewal letter from your current plan and note what is different for 2027. Second, make a current list of your prescriptions, preferred pharmacies and doctors. Third, use the Medicare Plan Finder at medicare.gov with your ZIP code to compare 2027 Medicare Advantage and Part D options actually offered where you live. Fourth, if you choose to switch, enroll by December 7, 2026, so coverage starts January 1, 2027.

If your plan is not returning in 2027, you also have a Special Enrollment Period running through the end of February 2027.

Where can Georgians get free Medicare help?

Free, unbiased help is available directly from Medicare. Call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, 7 days a week. Online, use medicare.gov to compare plans in your ZIP code, check whether your drugs are covered, and view Medigap options.