Medicare 2026

Medicare in Pennsylvania for 2027: 50 Advantage Plans Leaving, 56 New

HARRISBURG, Pa. — Pennsylvanians on Medicare have more Advantage plans to sort through for 2027, and a smaller menu of stand-alone drug plans, according to CMS Landscape files for the state. Statewide, 338 Medicare Advantage plans will be offered across 67 counties next year, up from 332 in 2026. Fifty plans are not returning anywhere in Pennsylvania, 56 are brand new, and 131 are changing — meaning a different premium, drug deductible, plan type or plan name. Those shifts, along with new national Part D rules, are the backdrop for Medicare Open Enrollment 2027, which runs October 15 through December 7, 2026.

How many Medicare Advantage plans are offered in Pennsylvania for 2027, and what does that mean for members?

Pennsylvania will have 338 Medicare Advantage plans in 2027, compared with 332 in 2026, based on the CMS Landscape file for the state. Of those, 56 are new, 50 are not being offered anywhere in Pennsylvania next year, and 131 are changing — a different premium, drug deductible, plan type or plan name than in 2026.

For members, three pieces of mail matter most. The Annual Notice of Change (ANOC) arrives in September from your current plan and spells out what will be different in 2027. If your plan is one of the 50 leaving, you should also receive a non-renewal letter from the insurer. People whose plan is not being renewed qualify for a Special Enrollment Period that runs through the end of February 2027 to pick a new Medicare Advantage plan or move back to Original Medicare with a stand-alone Part D plan. Everyone else can switch during Annual Enrollment 2027, from October 15 through December 7, 2026. Because Medicare Advantage plans are sold county by county, the statewide counts above may not match what is actually on the shelf in your ZIP code — the Medicare Plan Finder at Medicare.gov shows the exact list for where you live.

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

Five counties stand out in the 2027 Landscape file for Pennsylvania. In Lancaster County, 16 plans are leaving and 38 are changing. York County has 17 leaving and 37 changing. Bucks County has 18 leaving and 35 changing. Cumberland County has 16 leaving and 37 changing. Lebanon County has 15 leaving and 38 changing.

If you live in one of those counties, expect a thicker stack of mail this fall. "Leaving" means the plan will not be offered at all in your county in 2027; "changing" means the plan is still available but with a different premium, drug deductible, plan type or plan name. Either way, the ANOC and the Plan Finder on Medicare.gov are the places to confirm what applies to your specific plan.

How many stand-alone Part D drug plans will Pennsylvania have in 2027?

Pennsylvania will have 8 stand-alone Part D prescription drug plans in 2027, down from 12 in 2026, offered by 4 insurers, according to the CMS Landscape file. These are the plans people on Original Medicare use for drug coverage; they are separate from the drug coverage built into most Medicare Advantage plans.

Even if you keep the same Part D plan, read the ANOC — formularies, pharmacy networks and cost tiers can shift from one year to the next. If your current plan is one of those not returning, you will get a non-renewal notice and can choose a new drug plan during Annual Enrollment 2027.

How many Medigap insurers are listed for Pennsylvania on Medicare.gov?

Medicare.gov lists 28 Medigap (Medicare Supplement) insurers for a Pennsylvania ZIP code. Medigap policies work alongside Original Medicare and are standardized by letter (Plan G, Plan N and so on), so the same lettered plan covers the same things no matter which insurer sells it.

Pennsylvania has its own rules on when you can switch Medigap plans outside your initial guaranteed-issue window, and medical underwriting can apply in some cases. The Medigap pages on Medicare.gov explain the federal rules, and the Pennsylvania Insurance Department can answer state-specific questions.

What national Medicare changes take effect in 2027?

Two Part D numbers are confirmed for 2027. The annual out-of-pocket cap on covered prescription drugs rises to $2,400, up from $2,100 in 2026. The most any Part D plan may charge as a drug deductible is $700. The Part D base beneficiary premium — a national figure used to calculate the late-enrollment penalty — is $41.33 for 2027; the premium you actually pay is set plan by plan.

On the Social Security side, 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 been announced yet; CMS typically releases those figures in the fall. Watch Medicare.gov for the official numbers.

What should Pennsylvanians on Medicare do before December 7, 2026?

A short checklist for Annual Enrollment 2027:

• Open the Annual Notice of Change from your current plan and mark anything that is different for 2027.
• If you got a non-renewal letter, note that your Special Enrollment Period runs through February 2027.
• Make a list of your prescriptions, doctors and preferred pharmacies before you compare plans.
• Use the Plan Finder at Medicare.gov to see what is actually offered in your county.
• Make any change by December 7, 2026 so coverage starts January 1, 2027.

Where can Pennsylvanians get free help with Medicare for 2027?

Two no-cost options are available statewide. Medicare.gov has the Plan Finder, the Medigap tool and official explanations of enrollment periods and Part D rules. 1-800-MEDICARE (1-800-633-4227) is open 24 hours a day, 7 days a week, and can walk you through plan options and enrollment.