Medicare 2026
Medicare in Massachusetts for 2027: 28 Advantage Plans Leaving, 22 New
BOSTON — The Medicare lineup Massachusetts residents will choose from for 2027 is set, and it looks different from the one on offer in 2026. Statewide, 97 Medicare Advantage plans will be available in 2027, down from 103 in 2026. Twenty-eight plans are leaving the state entirely, 22 are new, and 47 are changing in some way — a different premium, drug deductible, plan type or plan name. The Annual Enrollment Period runs October 15 through December 7, 2026, and the choices made during it take effect January 1, 2027.
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Key takeaways
- In Massachusetts, 28 Medicare Advantage plans are not returning for 2027, 22 are new, and 47 are changing somehow across 14 counties.
- Mass Advantage will not offer a Medicare Advantage plan anywhere in Massachusetts for 2027, so current members will need to pick a new plan or move to Original Medicare.
- Nationally, the Part D out-of-pocket cap rises to $2,400 in 2027 (from $2,100 in 2026), and no Part D plan may charge a deductible higher than $700.
- Annual Enrollment for 2027 runs October 15 through December 7, 2026; compare options at Medicare.gov or by calling 1-800-MEDICARE.
| 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 Massachusetts for 2027?
Massachusetts will have 97 Medicare Advantage plans available for 2027, compared with 103 in 2026. Within that total, 28 plans are leaving the state, 22 are new to the state, and 47 are changing — meaning a different premium, drug deductible, plan type or plan name than they had in 2026. The changes stretch across all 14 counties in the state.
Because Medicare Advantage plans are offered county by county, a plan counted in the statewide figure may or may not be available where a particular person lives. The Medicare Plan Finder at Medicare.gov shows the plans available for a specific ZIP code.
What happens if my Medicare Advantage plan is leaving Massachusetts for 2027?
If a plan is not returning for 2027, the insurer must send a non-renewal letter, typically in October 2026, telling members the plan will end on December 31, 2026. Members then qualify for a Special Enrollment Period that runs through the end of February 2027 to choose another Medicare Advantage plan or return to Original Medicare (and, if they wish, add a stand-alone Part D plan). Without a choice, coverage generally defaults to Original Medicare on January 1, 2027, without drug coverage.
Every Medicare Advantage and Part D member should also receive an Annual Notice of Change (ANOC) by late September 2026. The ANOC lists what is changing in the plan for 2027 — the kind of detail that matters when deciding whether to stay or switch.
In Massachusetts, Mass Advantage is listed as having no Medicare Advantage plan in the state for 2027. Members of that carrier will need to make an active choice.
Which Massachusetts counties are seeing the most Medicare Advantage change for 2027?
Five counties account for most of the churn. Essex County has 18 plans leaving and 22 changing. Plymouth County has 17 leaving and 21 changing. Worcester County has 17 leaving and 20 changing. Suffolk County has 14 leaving and 21 changing. Bristol County has 12 leaving and 21 changing.
A "changing" plan does not disappear, but something about it is different for 2027 — the premium, the drug deductible, the plan type or the plan name. That is why reading the ANOC matters even when a plan is coming back.
How many stand-alone Part D drug plans will Massachusetts have in 2027?
Massachusetts will have 10 stand-alone Part D prescription drug plans in 2027, down from 11 in 2026, offered by 5 insurers. Stand-alone Part D is mostly used by people on Original Medicare, or with a Medigap policy, who want drug coverage.
Two national Part D rules shape 2027. The maximum deductible any Part D plan may charge is $700. The out-of-pocket cap on covered Part D drugs rises to $2,400 for 2027, up 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 Massachusetts for 2027?
Medicare.gov lists 6 Medigap (Medicare Supplement) insurers for a Massachusetts ZIP code. Massachusetts is one of a few states with its own standardized Medigap plan designs rather than the lettered plans used in most of the country, and specific rules on when a person can buy or switch a Medigap policy are set by federal and state law. Medicare.gov is the place to compare the policies available for a given address.
What national Medicare numbers are confirmed for 2027?
Three figures are set: a $2,400 Part D out-of-pocket cap, a $700 maximum Part D deductible, and a $41.33 Part D base beneficiary premium. 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 Part B standard premium and deductible have not been announced yet; CMS typically releases those figures in the fall, usually November. The 2027 IRMAA income brackets and surcharges, which affect higher-income beneficiaries, are published at the same time. Both will appear on Medicare.gov when released.
What should Massachusetts Medicare members do before December 7, 2026?
A short checklist for Annual Enrollment 2027:
- Read the Annual Notice of Change from the current plan (expected by late September 2026).
- Watch for a non-renewal letter if the plan is one of the 28 leaving the state.
- List current prescriptions, pharmacies and doctors before comparing plans.
- Use the Plan Finder at Medicare.gov to see 2027 plans available for the ZIP code.
- Make any change by December 7, 2026 for a January 1, 2027 start date.
Where can Massachusetts residents get free Medicare help?
Free, unbiased help is available at Medicare.gov and by calling 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week. Both can show the Medicare Advantage, Part D and Medigap options for a specific ZIP code in Massachusetts and confirm what documents to expect from a current plan.
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
What if I like my current Medicare Advantage plan and it is on the "changing" list for 2027?
My plan is one of the 28 leaving Massachusetts. What is my deadline?
Why don't you list the 2027 Part B premium?
Does the 3.6 percent Social Security COLA change my Medicare costs?
- 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): Massachusetts statewide plan counts, non-renewing plans, new plans, changing plans, and county-level change figures.
- CMS — Medicare Part D program rules (medicare.gov): the 2027 Part D out-of-pocket cap, maximum deductible and base beneficiary premium; the 2027 stand-alone Part D plan count for Massachusetts.
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): the count of Medigap insurers listed for a Massachusetts ZIP code.
- CMS — Medicare enrollment periods (medicare.gov): Annual Enrollment dates and the Special Enrollment Period for a non-renewing plan.
- 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.