Medicare 2026

Medicare in Indiana for 2027: 16 Advantage Plans Leaving, 29 New, and What Else Changes

INDIANAPOLIS — Hoosiers on Medicare will see a noticeably different plan menu for 2027. According to the CMS Landscape Source Files, Indiana will have 140 Medicare Advantage plans offered across its 92 counties in 2027, up from 127 in 2026. Sixteen plans will not return anywhere in the state, 29 new plans will appear, and 41 plans will change in some way — a different premium, drug deductible, plan type or plan name. Annual Enrollment for 2027 runs October 15 through December 7, 2026, and choices made during that window take effect January 1, 2027.

How many Medicare Advantage plans are offered in Indiana for 2027, and what do the changes mean for members?

Indiana will have 140 Medicare Advantage plans offered for 2027, compared with 127 in 2026, based on the CMS Landscape Source Files. Of the plans that exist today, 16 are not returning anywhere in the state, 29 are brand new, and 41 are changing a premium, drug deductible, plan type or plan name. Because Medicare Advantage plans are sold county by county, the statewide totals do not describe what is on your own doorstep — your ZIP code's menu may be larger or smaller.

Two pieces of mail do most of the work of telling you what changed. The Annual Notice of Change (ANOC) arrives in late September from your current plan and spells out what will be different in 2027. A separate non-renewal letter goes out if your plan is leaving. If your plan is not returning for 2027, you qualify for a Special Enrollment Period that runs through February 2027 to choose another Medicare Advantage plan or move back to Original Medicare with a stand-alone Part D plan. You do not have to decide inside the Annual Enrollment window if your plan is being discontinued, but acting earlier helps avoid a coverage gap.

Which Indiana counties have the most Medicare Advantage changes for 2027?

Five counties account for an outsized share of Indiana's Medicare Advantage churn for 2027. Cass County will see 22 plans leaving and 15 changing. Shelby County will see 19 leaving and 18 changing. Marion County, which includes Indianapolis, will see 14 leaving and 22 changing. Hamilton County will see 15 leaving and 18 changing. Hendricks County will see 14 leaving and 19 changing.

If you live in one of these counties, assume your plan options look different than they did last fall even if your plan is returning. A "changing" plan may now have a different premium, drug deductible, plan type or plan name — enough reason to open the ANOC and compare the 2027 version to what you have in 2026.

How many stand-alone Part D plans are available in Indiana for 2027?

Indiana will have 8 stand-alone Part D prescription drug plans available for 2027, down from 10 in 2026, offered by 4 insurers. Stand-alone Part D is primarily for people who stay with Original Medicare or who pair a Medigap policy with drug coverage. Everyone with Part D in 2027 benefits from two national rules: a $2,400 cap on out-of-pocket drug costs for the year, and a maximum allowable Part D deductible of $700. Specific premiums, copays and drug lists vary plan by plan and should be checked on the Medicare Plan Finder at Medicare.gov.

How many Medigap insurers are listed for Indiana on Medicare.gov for 2027?

Medicare.gov lists 29 Medigap (Medicare Supplement) insurers for a ZIP code in Indiana. Medigap is separate from Medicare Advantage: it works alongside Original Medicare to help pay deductibles, copays and coinsurance. The letter plans (Plan G, Plan N and others) are standardized by federal rule, so the same lettered plan covers the same things from any insurer; what differs is the premium and the company. Medigap also has its own enrollment and medical-underwriting rules outside the Annual Enrollment Period, which Medicare.gov explains in detail.

What are the national Medicare numbers for 2027, and what did Social Security announce?

Several 2027 national figures are already set. The Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026). The maximum Part D deductible any plan may charge is $700. The Part D base beneficiary premium — a national figure used to calculate the Part D late-enrollment penalty — is $41.33; 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.

Two things have not been announced yet: the 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets and surcharges. CMS typically releases both in the fall, usually November. Watch Medicare.gov for the official numbers.

What should Indiana Medicare beneficiaries check before December 7, 2026?

A short checklist for Annual Enrollment 2027:

• Read the Annual Notice of Change from your current plan and look for anything marked different for 2027.
• If a non-renewal letter arrives, note that your Special Enrollment Period runs through February 2027.
• Make a current list of your prescriptions, dosages and pharmacies, plus your regular doctors and hospitals.
• Use the Medicare Plan Finder at Medicare.gov to compare 2027 plans available in your ZIP code.
• If you have Original Medicare and a stand-alone Part D plan, check the 2027 Part D options too — Indiana has 8.

Where can Hoosiers get free help with Medicare for 2027?

Free, official help is available two ways. Medicare.gov has the Plan Finder, plan documents and the rules for enrollment periods, Medigap and Part D. The 1-800-MEDICARE line (1-800-633-4227) is open 24 hours a day, seven days a week, and can walk you through plan options for your county. Both are run by the federal Medicare program and do not sell insurance.