Medicare Advantage

10 Medicare Advantage Plans Not Returning in Alabama for 2027: The List

MONTGOMERY, Ala. — Ten Medicare Advantage plans offered somewhere in Alabama this year are not in the Centers for Medicare & Medicaid Services (CMS) 2027 Landscape file for any county in the state, according to a side-by-side read of the CY2026 and CY2027 Medicare Advantage Landscape Source Files. For 2027, CMS lists 113 Medicare Advantage plans in Alabama from 8 carriers. The ten that are leaving are concentrated among four carriers: Aetna (CVS Health), Blue Cross and Blue Shield of Alabama, HealthSpring, Humana and UnitedHealthcare.

If your 2026 plan appears on the list below, Medicare has rules that protect you — but only if you act during set windows. Here is what is happening, what it means, and the dates to put on the calendar.

How many Medicare Advantage plans are not returning in Alabama for 2027?

Ten Medicare Advantage plans available in Alabama for 2026 are not in the CMS 2027 Landscape file for any Alabama county, out of 113 plans from 8 carriers that will be offered in the state for 2027. The non-returning plans come from five carriers: Aetna (CVS Health), Blue Cross and Blue Shield of Alabama, HealthSpring, Humana and UnitedHealthcare. The full list, with plan type and the number of counties each plan served this year, is in the table on this page. A plan is sold county by county, so a plan listed as leaving may or may not be sold in your county today.

Which Alabama Medicare Advantage plans leaving in 2027 served the most counties?

Among the ten plans not returning for 2027, the broadest footprints this year belonged to Blue Advantage Premier (PPO) from Blue Cross and Blue Shield of Alabama at 67 counties, UHC Dual Complete AL-V001 (HMO-POS D-SNP) from UnitedHealthcare at 48 counties, and HealthSpring TotalCare (HMO D-SNP) and HealthSpring TotalCare Plus (HMO D-SNP) at 30 counties each. The two D-SNP plans serve people who have both Medicare and Medicaid, so loss of coverage there has particular implications for dual-eligible members. Smaller-footprint exits include HumanaChoice H5216-448 (PPO) in 12 counties, two HealthSpring Preferred AL (HMO) plans in 13 and 11 counties, two Aetna Medicare Signature Plus (PPO) plans in 7 and 5 counties, and HealthSpring True Choice (PPO) in 1 county.

How will I know if my Alabama Medicare Advantage plan is ending for 2027?

If your plan is leaving, the carrier is required to mail you a non-renewal notice — often called an Annual Notice of Non-Renewal — by early October 2026. The letter will say your plan will not be offered in 2027 and will explain your options. The second way to check is to look at the exact plan name on your member ID card and compare it with the list on this page. The spelling matters: "Blue Advantage Premier (PPO)" is a different product from other Blue Advantage plans that are continuing. If the name on your card is on the not-returning list, your coverage ends December 31, 2026.

What happens in Alabama if I do nothing when my Medicare Advantage plan is discontinued?

If your Medicare Advantage plan is not renewed and you make no other choice by December 31, 2026, you will be enrolled in Original Medicare (Parts A and B) on January 1, 2027. Original Medicare does not include Part D prescription drug coverage, so you would have no drug plan unless you actively enroll in a stand-alone Part D plan or a new Medicare Advantage plan that includes drugs. You will still have Medicare — doctors and hospitals that accept Medicare will see you — but the extras your Medicare Advantage plan may have included will end.

What Special Enrollment Period and Medigap rights do Alabama members get if their plan is dropped?

Members whose Medicare Advantage plan is non-renewed qualify for a Special Enrollment Period that runs through the end of February 2027, which can be used to join another Medicare Advantage plan or a stand-alone Part D plan. A plan non-renewal also triggers a federal Medigap guaranteed-issue right, meaning you can buy certain Medicare Supplement policies without medical underwriting within a set window around the loss of coverage. The specific Medigap plans available and the exact application window are set at the program level and administered by insurers; for state-specific questions, the Alabama Department of Insurance is the right stop.

How do I check which Medicare Advantage plans are offered in my Alabama county for 2027?

The county-by-county 2027 lineup comes from the CMS Medicare Advantage Landscape Source File and is also searchable on the Medicare Plan Finder at medicare.gov by entering your ZIP code. Of the 113 Alabama plans for 2027, availability varies: no plan is sold in all 67 counties, and the eight carriers divide the state unevenly. Entering your ZIP code is the only way to see what is actually on the shelf where you live.

What should Alabama Medicare Advantage members do before December 7, 2026?

Annual Enrollment 2027 runs October 15 – December 7, 2026, and any choice made during that window takes effect January 1, 2027. If your plan is on the not-returning list, use that window to compare the 2027 plans in your county on the Medicare Plan Finder, confirm your doctors and pharmacies are in a plan's network, and check that your prescriptions are on its drug list. If none of the 2027 Medicare Advantage plans fit, Original Medicare plus a stand-alone Part D plan — with or without a Medigap policy — is the other path.

Where can Alabamians get free help with Medicare Open Enrollment 2027?

Free, unbiased help is available directly from Medicare at 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week, and at medicare.gov, which hosts the Plan Finder tool. For questions about your Social Security or Part B premium, the Social Security Administration can be reached at ssa.gov or 1-800-772-1213.