Medicare 2026
Medicare in Nevada for 2027: 21 Advantage Plans Leaving, 14 New, and What Else Changes
CARSON CITY — Nevadans with Medicare will see a smaller Medicare Advantage menu for 2027, a slightly leaner slate of stand-alone drug plans, and a new, lower cap on what any Part D plan can make a member pay out of pocket for covered drugs. The Annual Enrollment Period for 2027 coverage runs October 15 through December 7, 2026, and choices made in that window take effect January 1, 2027.
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Key takeaways
- Nevada will have 98 Medicare Advantage plans in 2027, down from 105 in 2026, with 21 plans not returning anywhere in the state and 14 new ones.
- If your Advantage plan is leaving, you qualify for a Special Enrollment Period that runs through February 2027 to pick a new plan or return to Original Medicare.
- 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.
- Compare your options at Medicare.gov or by calling 1-800-MEDICARE before December 7, 2026.
| 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 Nevada for 2027?
Nevada will have 98 Medicare Advantage plans available in 2027, compared with 105 in 2026. Of the 2026 lineup, 21 plans are not returning anywhere in the state, 14 are new, and 26 are changing in at least one way — a different premium, drug deductible, plan type or plan name — across 14 counties. Molina Healthcare of Nevada will not offer a Medicare Advantage plan in the state for 2027.
Those counts are statewide. Medicare Advantage is sold county by county, so what shows up on your doorstep in Las Vegas, Reno or Pahrump depends on your ZIP code. The Medicare Plan Finder at Medicare.gov is the authoritative place to see what is actually offered where you live.
What should I do if my Medicare Advantage plan is leaving Nevada in 2027?
If your plan is not returning in 2027, your insurer must send a non-renewal letter, and you qualify for a Special Enrollment Period that runs through February 2027 to choose a new Medicare Advantage plan or go back to Original Medicare (and, if you want drug coverage, add a stand-alone Part D plan).
Even if your plan is returning, read the Annual Notice of Change (ANOC) that arrives in late September. That document spells out what is different for 2027 compared with 2026 — the plan name, the plan type, the drug deductible, the premium, and other terms. If something you rely on is changing, Annual Enrollment (October 15 – December 7, 2026) is the time to compare and switch.
Which Nevada counties are seeing the most Medicare Advantage change for 2027?
Clark County leads the state with 11 plans leaving and 18 changing. Washoe County has 12 leaving and 12 changing. Nye County has 8 leaving and 12 changing, Carson City has 7 leaving and 6 changing, and Storey County has 6 leaving and 5 changing.
"Leaving" means the plan will not be offered in that county in 2027. "Changing" means the plan is still being offered, but at least one of its basic terms — premium, drug deductible, plan type or plan name — is different. Both are reasons to open the ANOC envelope rather than assume next year will look like this year.
How many stand-alone Part D drug plans are available in Nevada for 2027?
Nevada will have 9 stand-alone Part D prescription drug plans in 2027, down from 10 in 2026, offered by 5 insurers. These are the plans people use alongside Original Medicare (and some Medicare Advantage plans that do not include drug coverage).
Two national Part D rules apply to every one of them in 2027: the maximum deductible a Part D plan may charge is $700, and the out-of-pocket cap on covered drugs is $2,400 (down from $2,100 in 2026). Once a member's out-of-pocket spending on covered drugs reaches $2,400, the plan pays 100 percent of covered drug costs for the rest of the calendar year.
How many Medigap insurers are listed for Nevada on Medicare.gov?
Medicare.gov lists 19 Medigap (Medicare Supplement) insurers for a ZIP code in Nevada. Medigap works only with Original Medicare, not Medicare Advantage, and the lettered plans (Plan G, Plan N and the others) are standardized — the benefits inside a given letter are the same from company to company, though prices and customer service differ.
Nevada residents who want to switch Medigap policies outside of their initial six-month Medigap open enrollment window may be subject to medical underwriting. The rules, and who can qualify for guaranteed-issue rights, are explained at Medicare.gov.
What are the 2027 national Medicare numbers Nevadans should know?
Four national figures are confirmed for 2027: the Part D out-of-pocket cap is $2,400, the maximum Part D deductible is $700, the Part D base beneficiary premium (used to calculate the late-enrollment penalty) is $41.33, and the Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment 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 publishes those in the fall, and they will be posted on Medicare.gov when they are released.
What should Nevadans do before December 7, 2026?
A short checklist for Annual Enrollment 2027:
- Read your ANOC when it arrives in late September to see what changes in your current plan for 2027.
- If you received a non-renewal letter, mark the Special Enrollment Period that runs through February 2027.
- List your prescriptions, pharmacies and doctors so you can compare plans accurately on the Medicare Plan Finder.
- Check Part D or Medicare Advantage drug coverage against the $2,400 out-of-pocket cap and the $700 maximum deductible to understand your 2027 drug cost exposure.
- Make any change you want by December 7, 2026 so it takes effect January 1, 2027.
Where can Nevadans get free Medicare help?
Two free, non-sales resources are available year-round. Medicare.gov hosts the official Plan Finder, where you can enter your ZIP code and medications to see the plans actually offered in your county. And 1-800-MEDICARE (1-800-633-4227) is staffed 24 hours a day, 7 days a week, with interpreters available.
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 does Annual Enrollment for 2027 Medicare coverage happen?
What happens if my Medicare Advantage plan is one of the 21 leaving Nevada?
How much will I pay out of pocket for Part D drugs 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 — MA Landscape Source Files (2026 and 2027): Nevada plan counts, non-renewals, new plans, changing plans, and county-level change figures.
- CMS — Medicare Part D program rules (medicare.gov): the $2,400 out-of-pocket cap, the $700 maximum deductible, and the $41.33 base beneficiary premium for 2027.
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): how Medigap works alongside Original Medicare and the count of insurers listed for Nevada ZIP codes.
- CMS — Medicare enrollment periods (medicare.gov): Annual Enrollment dates and the Special Enrollment Period for members whose plan is not returning.
- Social Security Administration: the 3.6 percent 2027 cost-of-living adjustment announced October 14, 2026.
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.