Medicare 2026
Medicare in Idaho for 2027: 14 Advantage Plans Leaving, 10 New, and What Else Changes
BOISE — Idahoans on Medicare will see a smaller Medicare Advantage menu for 2027, a shorter list of stand-alone drug plans, and a new national cap on what Part D can charge out of pocket. The federal plan year starts January 1, 2027, and the window to compare and switch runs October 15 through December 7, 2026.
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Key takeaways
- Idaho will have 44 Medicare Advantage plans in 2027, down from 48 in 2026, with 14 plans not returning anywhere in the state and 10 new plans arriving.
- If a current plan is not returning for 2027, members have a Special Enrollment Period that runs through February 2027 to pick a new plan.
- Stand-alone Part D plans in Idaho drop from 10 to 8, and the national Part D out-of-pocket cap rises to $2,400 for 2027.
- Annual Enrollment for 2027 runs October 15 – December 7, 2026, and any choice made in that window takes effect January 1, 2027.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
How many Medicare Advantage plans are offered in Idaho for 2027?
Idaho will have 44 Medicare Advantage plans available statewide in 2027, compared with 48 in 2026, according to the CMS Landscape Source Files. Of that total, 14 plans are not returning anywhere in the state, 10 plans are new, and 15 are changing in some way — a different premium, drug deductible, plan type, or plan name — across Idaho's 44 counties.
Saint Alphonsus Health Plan will not offer a Medicare Advantage plan in Idaho for 2027. Two carriers are new to the Idaho Medicare Advantage market for 2027: Range Health and St. Luke's Health Plan. Because Medicare Advantage plans are sold county by county, the plans available where you live may differ from the statewide totals; the Medicare Plan Finder at medicare.gov shows the exact lineup for your ZIP code.
What happens if my Medicare Advantage plan is leaving Idaho in 2027?
If your plan is not returning in 2027, you'll get a non-renewal letter from the plan in the fall of 2026, and you'll qualify for a Special Enrollment Period that runs through February 28, 2027 to choose a different Medicare Advantage plan or return to Original Medicare with a stand-alone Part D plan. You don't have to decide on December 7 if your plan is leaving — the SEP gives extra time.
Every member, whether or not their plan is leaving, should also look for the Annual Notice of Change (ANOC) that plans mail each September. The ANOC spells out next year's premium, drug deductible, copays, networks, and drug list. Even plans that are "returning" can change those details — 15 Idaho plans are listed as changing for 2027.
Which Idaho counties have the most Medicare Advantage change for 2027?
Five Idaho counties stand out for plan turnover in 2027. In Owyhee County, 10 plans are leaving and 10 are changing. In Ada, Boise, Canyon, and Gem counties, 9 plans are leaving and 10 are changing in each. If you live in one of these counties and keep your current plan without reading the ANOC, you may be surprised in January.
Everywhere else in Idaho, the picture is quieter but still worth a look. Any county can have plan changes, and the only way to see your county's exact 2027 lineup is to run your ZIP code and drug list through the Medicare Plan Finder.
How many stand-alone Part D drug plans will Idaho have in 2027?
Idaho will have 8 stand-alone Part D prescription drug plans in 2027, down from 10 in 2026, offered by 4 insurers. These are the plans people choose when they stay with Original Medicare and want drug coverage, or when they pair a Medigap policy with a drug plan.
Two national Part D rules change for 2027 and apply to every Part D plan in the country: the most any plan may charge as a yearly drug deductible rises to $700, and the out-of-pocket cap on covered Part D drugs rises to $2,400 (from $2,100 in 2026). The Part D base beneficiary premium — a national figure used to calculate the late-enrollment penalty — is $41.33 for 2027. Actual plan premiums are set plan by plan.
How many Medigap insurers are available in Idaho for 2027?
Medicare.gov lists 16 Medigap insurers for a ZIP code in Idaho. Medigap (Medicare Supplement Insurance) works only with Original Medicare, not with Medicare Advantage, and the standardized letter plans (A, G, N, and others) cover the same gaps no matter which insurer sells them.
The rules for when you can buy a Medigap policy without medical underwriting are set by federal law and, in some cases, state law. Those rules don't change with the plan year; medicare.gov has the details on your Medigap Open Enrollment Period and any guaranteed-issue rights.
What are the 2027 national Medicare numbers Idahoans should know?
For 2027, the Part D out-of-pocket cap is $2,400, the maximum Part D deductible any plan may charge is $700, and the Part D base beneficiary premium is $41.33. Social Security announced on October 14, 2026 a 3.6 percent cost-of-living adjustment (COLA) for benefits payable beginning January 2027.
The 2027 Part B standard premium and deductible have not yet been announced; CMS typically releases those figures in the fall, usually November. The 2027 IRMAA income-related brackets and surcharges are published with the Part B numbers and also haven't been released. Watch medicare.gov for the official announcement.
What should Idahoans do before December 7, 2026?
A short checklist for Annual Enrollment 2027, which closes December 7, 2026:
- Read the Annual Notice of Change (ANOC) from your current plan.
- If you got a non-renewal letter, note that your Special Enrollment Period runs through February 28, 2027.
- Make a current list of your prescriptions, pharmacies, and doctors.
- Run your ZIP code and drug list through the Medicare Plan Finder at medicare.gov.
- Call 1-800-MEDICARE (TTY 1-877-486-2048), available 24/7, with any questions.
Where can Idahoans get free Medicare help?
Free, unbiased help is available from Medicare itself. Call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, 7 days a week, or use the Plan Finder and plan documents at medicare.gov. These are the official sources for Idaho ZIP-code-specific plan details for 2027.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Prescription coverage
How Medicare Part D works in 2026
The old coverage gap (“donut hole”) is eliminated as of 2025 (three phases now). There’s now a hard yearly cap of $2,100 on what you pay out of pocket for covered drugs, and you can spread those costs across the year with the Medicare Prescription Payment Plan.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
When is Medicare Annual Enrollment for 2027?
My Medicare Advantage plan in Idaho isn't coming back in 2027 — what are my options?
What is the Part D out-of-pocket cap in 2027?
Has the 2027 Part B premium been announced?
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare Part D program rules (medicare.gov)
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- CMS, Medicare Advantage and Part D Landscape Source Files
- Medicare.gov Medigap policy search
Figures cited in this article
- CMS — Medicare Advantage Landscape Source Files (2026 and 2027): Idaho plan counts, plans leaving, new plans, changing plans, carrier changes, and county-level change figures.
- CMS — Part D program rules (medicare.gov): 2027 out-of-pocket cap, maximum deductible, base beneficiary premium, and stand-alone Part D plan count for Idaho.
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): count of Medigap insurers listed for an Idaho ZIP code.
- CMS — Medicare enrollment periods (medicare.gov): Annual Enrollment dates and the Special Enrollment Period for non-renewed plans.
- Social Security Administration: the 3.6 percent cost-of-living adjustment announced October 14, 2026 for benefits payable beginning January 2027.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.