Medicare 2026
Medicare in North Dakota for 2027: 11 Advantage Plans Leaving, 5 New
BISMARCK, N.D. — The 2027 Medicare picture in North Dakota comes with real movement. Federal Landscape files for the coming plan year show the number of Medicare Advantage plans in the state dropping from 29 in 2026 to 23 in 2027, with 11 plans not returning anywhere in North Dakota, 5 brand-new plans, and 11 others changing something a member would notice — a different premium, drug deductible, plan type or plan name. One carrier, NextBlue of North Dakota, will not offer a Medicare Advantage plan in the state for 2027.
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Key takeaways
- North Dakota goes from 29 Medicare Advantage plans in 2026 to 23 in 2027, with 11 leaving the state, 5 new and 11 changing.
- If your plan is not returning, you have a Special Enrollment Period that runs into February 2027 to pick another Medicare Advantage plan or return to Original Medicare with a stand-alone Part D plan.
- The Part D out-of-pocket cap moves from $2,100 in 2026 to $2,400 in 2027, and no Part D plan may charge a drug deductible higher than $700.
- Review your plan's Annual Notice of Change before December 7, 2026, using Medicare.gov or 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.
The window to review and switch is set: Annual Enrollment 2027 runs October 15 through December 7, 2026, and any choice made in that window takes effect January 1, 2027.
How many Medicare Advantage plans are offered in North Dakota for 2027?
North Dakota will have 23 Medicare Advantage plans in 2027, down from 29 in 2026, spread across the state's 53 counties. Of the 2026 lineup, 11 plans are not returning anywhere in North Dakota, 5 plans are new for 2027, and 11 plans are changing at least one feature a member would see on paper — a different premium, drug deductible, plan type or plan name. NextBlue of North Dakota is listed as a carrier with no Medicare Advantage plan in the state for 2027.
Because Medicare Advantage is sold county by county, the statewide count is not the number of plans available on any one kitchen table. The plans actually offered at a given address appear in the Medicare Plan Finder at Medicare.gov.
What happens if my Medicare Advantage plan is leaving North Dakota in 2027?
If your plan is not returning, the insurer must send a non-renewal letter in the fall of 2026, and you qualify for a Special Enrollment Period that runs into February 2027 to pick a new Medicare Advantage plan or go back to Original Medicare and add a stand-alone Part D plan. You do not have to decide inside the October 15 – December 7, 2026 Annual Enrollment window, but acting during that window keeps your January 1, 2027 coverage seamless.
Every member — whether the plan is leaving or staying — should also open the Annual Notice of Change (ANOC) that arrives in September 2026. That document is where premium, deductible, plan-type and plan-name changes are listed for 2027. For the 11 North Dakota plans flagged as "changing," the ANOC is the plain-language place to see what is different.
Which North Dakota counties are seeing the most Medicare Advantage change for 2027?
Five counties stand out in the 2027 Landscape file. Cass County has 11 plans leaving and 7 changing. Morton County has 12 leaving and 6 changing. Richland County has 13 leaving and 5 changing. Barnes County has 11 leaving and 6 changing. Grand Forks County has 11 leaving and 6 changing.
If you live in one of those counties, treat the fall mail — the ANOC from a plan that is staying, or the non-renewal letter from one that is not — as the single most important envelope of the season. Residents of the state's other counties should still check, because statewide totals mask local differences.
How many stand-alone Part D drug plans will North Dakota have in 2027?
North Dakota will have 9 stand-alone Part D prescription drug plans in 2027, down from 11 in 2026, offered by 5 insurers. These plans pair with Original Medicare (and with most Medigap policies) for people who do not want their drug coverage bundled into a Medicare Advantage plan.
Two national Part D rules matter for 2027: the out-of-pocket cap on covered drugs rises to $2,400 (from $2,100 in 2026), and no Part D plan may charge a deductible higher than $700. Specific premiums, formularies and pharmacy networks vary plan by plan and live in the Plan Finder.
How many Medigap insurers are available in North Dakota?
Medicare.gov currently lists 24 Medigap (Medicare Supplement) insurers for a ZIP code in North Dakota. Medigap is separate from Medicare Advantage and from Part D: it works alongside Original Medicare to help with cost-sharing, and the lettered plans (Plan G, Plan N and so on) are standardized by federal rule, though prices and underwriting rules vary by company and by state.
If you are moving from a Medicare Advantage plan back to Original Medicare because your plan is leaving, Medigap rights can depend on timing. Medicare.gov and 1-800-MEDICARE can walk through what applies in North Dakota.
What are the national Medicare numbers for 2027, and did Social Security change?
For 2027, the Part D out-of-pocket cap is $2,400, the maximum Part D deductible any plan may charge is $700, and the Part D base beneficiary premium used in the late-enrollment penalty calculation is $41.33. The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning 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, usually November. When they are posted, they will appear on Medicare.gov.
What should North Dakota Medicare members do before December 7, 2026?
A short checklist for Annual Enrollment 2027:
- Open the Annual Notice of Change from your current plan when it arrives in September 2026.
- If you got a non-renewal letter, note that you have a Special Enrollment Period into February 2027.
- Make a current list of your prescriptions, pharmacies and doctors.
- Run that list through the Medicare Plan Finder at Medicare.gov for your ZIP code.
- Confirm any new choice before December 7, 2026 so coverage starts cleanly January 1, 2027.
Where can North Dakotans get free Medicare help?
Free, unbiased help is available directly from Medicare. Call 1-800-MEDICARE (1-800-633-4227), open 24 hours a day, 7 days a week, or use the Plan Finder and plan comparison tools at Medicare.gov. Both can confirm which plans serve your county, what a plan's documents say, and what deadlines apply to your situation.
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 coverage I pick during Annual Enrollment 2027 actually start?
My plan isn't on the 2027 list for North Dakota. What are my options?
Why don't you list the 2027 Part B premium or IRMAA brackets?
Does the 3.6 percent Social Security COLA change my Medicare plan?
- 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, plans leaving, new and changing, and the NextBlue of North Dakota non-renewal.
- CMS 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 (Medigap) listings (Medicare.gov): the count of 24 Medigap insurers for a North Dakota ZIP code.
- CMS Medicare enrollment periods (Medicare.gov): the October 15 – December 7, 2026 Annual Enrollment dates and the Special Enrollment Period for non-renewed plans.
- Social Security Administration: the October 14, 2026 announcement of a 3.6 percent COLA for 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.