Medicare Advantage

What Phoenix members should do before January 1, 2027

For 2027, Phoenix is looking at 92 Medicare Advantage plans: 17 new, 13 gone since 2026, and 33 still here but changed on premium, deductible, plan type or name, 13 of them under a new name. Below, how the lineup shifted in Maricopa County and what to compare, with no plan ranked or recommended.

Phoenix, Ariz. — Fall 2026. As the Annual Enrollment Period opens, 13 Medicare Advantage plans sold in Maricopa County this year will not be offered again in 2027, according to the Centers for Medicare & Medicaid Services (CMS) Landscape files. If you're enrolled in one of them, the mail you receive this fall matters — and so do the dates that come next.

Here's how to tell whether your plan is on the list, what happens if you do nothing, and the extra time Medicare gives you to pick something else.

The Phoenix-area plans not returning for 2027

Phoenix is in Maricopa County, where CMS's 2027 Landscape file shows 13 Medicare Advantage plans that are offered in 2026 will not be offered next year. Listed alphabetically by carrier:

• Aetna (CVS Health): Aetna Medicare Elite (PPO); Aetna Medicare Prime (HMO); Aetna Medicare Prime Chronic Care (HMO C-SNP); Aetna Medicare Prime Extra (HMO); Aetna Medicare Signature Extra (HMO)
• Centene (WellCare): Wellcare Arizona Complete Health Dual Align (HMO D-SNP); Wellcare Dual Liberty Sync (HMO D-SNP); Wellcare Giveback (HMO); Wellcare Simple Value (HMO)
• Elevance Health (Anthem): Wellpoint I CareMore Home Care (HMO I-SNP)
• eternalHealth: eternalHealth Grand Give Back (HMO)
• HealthSpring: HealthSpring Preferred (HMO)
• SCAN Health Plan: SCAN Strive (HMO C-SNP)

For 2027, Maricopa County will have 92 Medicare Advantage plans offered by 16 carriers. The table below lists every plan available for the coming year.

How to tell if your plan is on the list

If your Medicare Advantage plan is not being offered again, your carrier is required to send a non-renewal notice (sometimes called a "plan termination letter") by early October 2026. It will say — in plain language on the first page — that your plan will end on December 31, 2026, and that you need to make a choice.

A few things to look for in your mailbox this fall:

• A letter clearly labeled as a non-renewal or plan termination notice. This is different from the Annual Notice of Change (ANOC), which goes to members whose plan is continuing but changing.
• A reference to a Special Enrollment Period for people losing their plan.
• Instructions for contacting the carrier and for comparing other options.

If you're not sure which letter you got, call the member number on the back of your plan card, or call 1-800-MEDICARE (TTY 1-877-486-2048).

What happens if you do nothing

If your plan is on the non-returning list and you don't choose a new plan by December 31, 2026, Medicare will move you to Original Medicare (Part A and Part B) on January 1, 2027.

A few things to know about that default:

• Original Medicare does not include prescription drug coverage. If your current Medicare Advantage plan includes a drug benefit (all 13 non-returning plans do), you'll want to think about a stand-alone Part D plan to avoid a late-enrollment penalty later.
• Original Medicare does not cap your out-of-pocket costs for doctor and hospital services the way a Medicare Advantage plan does. Some people pair it with a Medigap (Medicare Supplement) policy to help with those costs.
• You'll use the red, white and blue Medicare card for care starting January 1 — not your old plan card.

Your choices and the Special Enrollment Period

Because your plan is ending through no fault of yours, Medicare gives you more time than the regular Annual Enrollment Period. You have two windows:

1. Annual Enrollment Period: October 15 – December 7, 2026. Any Medicare Advantage or Part D plan you pick in this window takes effect January 1, 2027. 2. Special Enrollment Period for a non-renewed plan: December 8, 2026 through the end of February 2027. This is specifically for people whose plan is leaving. You can use it to enroll in a different Medicare Advantage plan or a stand-alone Part D plan.

You also have a Medigap guaranteed-issue right if your Medicare Advantage plan is ending. At the program level, that means certain Medigap policies must be sold to you without medical underwriting during a limited window around the loss of coverage. State rules in Arizona can add protections on top of the federal baseline, so check with the Arizona Department of Insurance and Financial Institutions for specifics before you apply.

A few 2027 figures worth knowing

Whatever you choose, two Part D numbers are changing next year:

• The Part D out-of-pocket cap rises to $2,400 in 2027 (it's $2,100 in 2026).
• The Part D maximum deductible rises to $700 in 2027 (it's $615 in 2026).

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet; CMS typically publishes them later in the fall.

Where to get personalized help

• Compare plans side by side at medicare.gov using the Plan Finder.
• Call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, seven days a week.
• Read your plan's Evidence of Coverage and provider and pharmacy directories before you enroll, so you can confirm your doctors and prescriptions.
• For Arizona-specific Medigap questions, contact the Arizona Department of Insurance and Financial Institutions.