Medicare 2026
Medicare in Missouri for 2027: 21 Advantage Plans Leaving, 38 New, and What Else Changes
JEFFERSON CITY — Missourians on Medicare will see a reshuffled lineup of private plans for 2027, along with a lower out-of-pocket cap on prescription drug costs and a Social Security cost-of-living bump. The Annual Enrollment Period runs October 15 through December 7, 2026, and any choice made during it takes effect January 1, 2027.
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Key takeaways
- Missouri will have 174 Medicare Advantage plans in 2027, up from 157 in 2026, with 21 leaving the state, 38 new, and 42 changing.
- If a plan is not returning in 2027, members get a Special Enrollment Period that runs through February 2027 to pick a new plan.
- The Part D out-of-pocket cap drops to $2,400 in 2027 (from $2,100 in 2026), and no Part D plan may charge a deductible higher than $700.
- Social Security benefits payable starting January 2027 include a 3.6 percent cost-of-living adjustment; the 2027 Part B premium has not yet been announced.
| 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 Missouri for 2027?
Missouri will have 174 Medicare Advantage plans available across 115 counties in 2027, compared with 157 in 2026. Of that total, 21 plans are not returning anywhere in the state, 38 are new, and 42 are changing in some way — a different premium, drug deductible, plan type or plan name. One carrier, Healthy Blue, will not offer a Medicare Advantage plan in Missouri for 2027.
Because Medicare Advantage plans are offered county by county, the statewide count is only a backdrop. The specific plans available in your ZIP code may be fewer, and a plan counted statewide may not be sold where you live. The Medicare Plan Finder at medicare.gov shows the lineup for your address.
What should Missouri members do about the Annual Notice of Change or a non-renewal letter?
Every Medicare Advantage and stand-alone Part D member should receive an Annual Notice of Change (ANOC) by late September 2026 describing what is different about their plan for 2027. If a plan is leaving the market, the insurer must send a separate non-renewal letter.
Members whose plan is not returning in 2027 qualify for a Special Enrollment Period that runs through the end of February 2027 to choose a new Medicare Advantage plan or return to Original Medicare and add a stand-alone Part D plan. Members whose plan is simply changing can switch during the Annual Enrollment Period, October 15 through December 7, 2026. Reading the ANOC side by side with your pharmacy list and doctors is the simplest way to see whether your plan still fits.
Which Missouri counties are seeing the most Medicare Advantage change for 2027?
The eastern side of the state is seeing the most churn. In Jefferson County, St. Charles County, St. Louis City and St. Louis County, 10 plans are leaving and 24 are changing in each. Crawford County is close behind, with 10 plans leaving and 23 changing.
If you live in one of those counties, expect more mail than usual and more variation among the plans still on the shelf. Residents of other Missouri counties will see smaller shifts, but the same advice applies: compare your 2027 options on the Plan Finder before December 7, 2026.
How many stand-alone Part D plans will Missouri have in 2027?
Missouri will have 9 stand-alone Medicare prescription drug plans in 2027, down from 10 in 2026, offered by 5 insurers. These stand-alone plans are the Part D option for people who stay with Original Medicare or who pair drug coverage with a Medigap policy.
Two national rules shape every Part D plan in 2027: the out-of-pocket cap for covered drugs is $2,400 (down from $2,100 in 2026), and no plan may charge a deductible above $700. Premiums, formularies and pharmacy networks vary plan by plan and are listed on medicare.gov.
How many Medigap insurers are listed for Missouri on Medicare.gov?
Medicare.gov lists 18 Medigap insurers for a Missouri ZIP code. Medigap (Medicare Supplement Insurance) policies work only with Original Medicare and help pay cost-sharing like coinsurance and deductibles.
Standardized Medigap plan letters offer the same core benefits across insurers, but prices and underwriting rules differ. Rules about when you can switch Medigap plans without health questions are state-specific; details are on medicare.gov or available by calling 1-800-MEDICARE.
What are the 2027 national Medicare numbers Missouri readers should know?
Three Part D figures are set for 2027: the out-of-pocket cap is $2,400, the maximum allowed plan deductible is $700, and the Part D base beneficiary premium — the national figure used to calculate the late-enrollment penalty — is $41.33. Actual Part D 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 starting January 2027. The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not yet been announced; CMS typically releases those figures in the fall.
What should Missourians check before December 7, 2026?
A short checklist before the Annual Enrollment 2027 deadline of December 7, 2026:
- Read your Annual Notice of Change and watch for a non-renewal letter if your plan is among the 21 leaving Missouri.
- On medicare.gov, enter your ZIP code, your prescriptions and your preferred pharmacies to see 2027 plans in your county.
- Confirm your doctors and hospitals are in-network for any Medicare Advantage plan you consider for 2027.
- If you have Original Medicare and a stand-alone Part D plan, compare the 9 Missouri Part D plans available for 2027.
- If you want Medigap, review the 18 insurers listed on medicare.gov for your ZIP code and ask about any state switching rules.
Where can Missourians get free Medicare help for 2027?
Free, unbiased help is available year-round at medicare.gov and by calling 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week. The Medicare Plan Finder is the authoritative tool for comparing Medicare Advantage, Part D and Medigap options available at your address 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.
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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 the Annual Enrollment Period for 2027 Medicare coverage?
What happens if my Medicare Advantage plan is not returning to Missouri in 2027?
What is the Part D out-of-pocket cap for 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): statewide and county plan counts for Missouri.
- CMS — Medicare Part D program rules (medicare.gov): the 2027 out-of-pocket cap, maximum plan deductible, and base beneficiary premium.
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): count of Medigap insurers listed for a Missouri ZIP code.
- CMS — Medicare enrollment periods (medicare.gov): Annual Enrollment dates and the Special Enrollment Period for a non-renewing plan.
- Social Security Administration: October 14, 2026 announcement of the 3.6 percent 2027 cost-of-living adjustment.
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.