Medicare 2026

Medicare in Mississippi for 2027: 10 Advantage Plans Leaving, 19 New

JACKSON — Medicare in Mississippi looks a little different for 2027. According to the federal landscape files, 102 Medicare Advantage plans will be offered across the state's 82 counties, up from 93 in 2026. Nineteen plans are new, 10 are leaving the state entirely, and 25 are changing in at least one way — a different premium, drug deductible, plan type or plan name. Two insurers, Molina Healthcare of Arizona and Patrius Health, will not offer a Medicare Advantage plan anywhere in Mississippi for 2027.

Medicare 2026Mississippi

The Annual Enrollment Period for 2027 coverage runs October 15 through December 7, 2026. Choices made during that window take effect January 1, 2027.

What is changing with Medicare Advantage in Mississippi for 2027?

Mississippi will have 102 Medicare Advantage plans in 2027, compared with 93 in 2026, with 19 new plans, 10 that are leaving the state and 25 changing in at least one way. Those changes span the state's 82 counties, and because Medicare Advantage is sold county by county, the plans available where you live may be a smaller slice of that statewide total.

Two carriers — Molina Healthcare of Arizona and Patrius Health — will not offer a Medicare Advantage plan anywhere in Mississippi for 2027.

If you are already in a Medicare Advantage or Part D plan, two pieces of mail matter most. The Annual Notice of Change (ANOC) arrives in September and lists what is different for 2027 — premium, drug deductible, plan type or plan name among them. If your plan is not being offered in 2027, you will also receive a non-renewal letter. Read both and keep them.

People whose plan is leaving the market get a Special Enrollment Period that runs through February 28, 2027 to choose a new Medicare Advantage plan or return to Original Medicare and add a stand-alone Part D plan. Everyone else uses the Annual Enrollment Period, October 15 through December 7, 2026, for a January 1, 2027 start date.

Which Mississippi counties are seeing the most Medicare Advantage change for 2027?

Five counties stand out in the 2027 landscape files. Hancock County has 14 plans leaving and 17 changing. Desoto County has 5 plans leaving and 23 changing. Rankin County has 8 leaving and 19 changing. Hinds County has 7 leaving and 19 changing. Coahoma County has 12 leaving and 13 changing.

"Changing" does not necessarily mean worse — it means at least one of the plan's listed features is different for 2027. "Leaving" means that specific plan will not be offered in that county next year. In both cases, the fix is the same: compare what you have against what will be available at your address, using the Medicare Plan Finder at medicare.gov or by calling 1-800-MEDICARE.

What stand-alone Part D plans will Mississippi have in 2027?

Mississippi will have 9 stand-alone Part D prescription drug plans in 2027, offered by 5 insurers, down from 10 in 2026. These are the plans people use with Original Medicare (and often with a Medigap policy) to cover prescription drugs.

Two national rules apply to every Part D plan in 2027. The out-of-pocket cap on covered drugs is $2,400 (up from $2,100 in 2026). The most any Part D plan may charge as its annual deductible is $700; plans may charge less. Formularies, pharmacy networks and specific costs vary by plan, so check each option on the Medicare Plan Finder with your drug list and preferred pharmacy before enrolling.

How many Medigap insurers are available in Mississippi for 2027?

Medicare.gov lists 24 Medigap (Medicare Supplement) insurers for a ZIP code in Mississippi. Medigap works only with Original Medicare and helps pay some of what Medicare Part A and Part B do not.

Medigap is regulated differently from Medicare Advantage. Enrollment rules, including the one-time six-month Medigap Open Enrollment Period that begins when you are 65 or older and enrolled in Part B, are set under federal rules, with additional state rules in some cases. Medicare.gov has the plan-by-plan comparison tool and the plain-language guide to how Medigap works.

What are the national Medicare numbers for 2027?

Three figures are confirmed for 2027. The Part D out-of-pocket cap is $2,400. The maximum Part D deductible any plan may charge is $700. The Part D base beneficiary premium, used to calculate the 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 for benefits payable beginning January 2027.

Two important Medicare numbers are not out yet: the 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets and surcharges. CMS typically publishes those in the fall, usually November. Watch medicare.gov for the official figures rather than relying on estimates.

What should Mississippi Medicare beneficiaries do before December 7, 2026?

A short checklist for the Annual Enrollment Period, which closes December 7, 2026:

• Read your Annual Notice of Change and, if it arrived, your non-renewal letter.
• Make an up-to-date list of your prescriptions, dosages, pharmacy and regular providers.
• Run your list through the Medicare Plan Finder at medicare.gov to see 2027 options at your address.
• If your plan is not returning, remember the Special Enrollment Period through February 28, 2027.
• Confirm your choice before December 7, 2026 for a January 1, 2027 start date.

Where can Mississippi residents get free Medicare help?

Two free, official sources: medicare.gov (the Plan Finder, enrollment pages and plain-language guides) and 1-800-MEDICARE (1-800-633-4227), which is staffed 24 hours a day, seven days a week. Both can confirm what is actually available at your address in Mississippi for 2027 and answer questions about enrollment periods.