Medicare Advantage

Got a Medicare Advantage Non-Renewal Notice in Boise?

For 2027, Ada County is looking at 22 Medicare Advantage plans from 7 carriers: 4 new, 9 gone since 2026, and plans still here but changed on premium, deductible, plan type or name, 5 of them under a new name. Below, how the lineup shifted in Ada County and what to compare, with no plan ranked or recommended.

BOISE, Idaho — If you have a Medicare Advantage plan in the Boise area, this fall's mail is worth opening carefully. Federal filings for the 2027 plan year show a notable shake-up in Ada County: nine plans will not return, four new plans are joining the market, and five plans are keeping the same coverage under a new name. One local carrier, Saint Alphonsus Health Plan, will not offer Medicare Advantage plans in the county next year, while a new carrier, St. Luke's Health Plan, is entering.

That means some Boise members will need to make an active choice before coverage begins on January 1, 2027 — and a few will get extra time to do it.

What is changing in Ada County for 2027

Boise sits in Ada County, where Medicare Advantage availability is set. According to CMS Medicare Advantage Landscape Source Files, the 2027 plan year brings several kinds of change here:

• 9 plans leaving after 2026
• 4 plans new for 2027
• 5 plans renamed (same plan, new name)
• 10 continuing plans changing on premium, deductible, plan type or name — the specifics are in each plan's Annual Notice of Change (ANOC)
• 18 plans continuing without a listed change

The table on this page shows every plan side by side. Below, we walk through what each category means for a Boise member.

Plans that will not return in 2027

Nine Medicare Advantage plans offered in Ada County in 2026 are being discontinued for 2027. In alphabetical order by carrier, they are:

• Humana Essentials Plus Giveback H5216-429 (PPO)
• HumanaChoice - Diabetes and Heart (PPO C-SNP)
• Molina Medicare Complete Care Select (HMO D-SNP)
• PacificSource Medicare Explorer 6 (PPO)
• PacificSource Medicare MyCare Choice Rx 24 (HMO-POS)
• Saint Alphonsus Health Plan Cash Back (HMO)
• Saint Alphonsus Health Plan Choice (PPO)
• Saint Alphonsus Health Plan Glory No RX (HMO)
• Saint Alphonsus Health Plan No Premium (HMO)

If you are enrolled in one of these, your carrier is required to send you a non-renewal notice. You will not automatically be moved to another plan by Medicare. You have three basic options: pick a different Medicare Advantage plan, return to Original Medicare (Parts A and B) and optionally add a stand-alone Part D drug plan, or look at a Medigap policy alongside Original Medicare.

Plans that are new for 2027

Four Medicare Advantage plans are joining the Ada County market for 2027:

• PacificSource Medicare Idaho Basic (HMO-POS)
• PacificSource Medicare River Select Rx (HMO-POS)
• St. Luke's Advantage Rx 01 (HMO)
• UHC Dual Complete ID-YL (HMO-POS D-SNP)

St. Luke's Health Plan is new to the Ada County Medicare Advantage lineup. New plans can be considered like any other option during the Annual Enrollment Period — compare the ANOC or Summary of Benefits for the details.

Plans being renamed

Five plans are keeping their coverage but changing their name in CMS's file for 2027:

• Humana Full Access (PPO) — was Humana Full Access H7617-028 (PPO)
• Humana Total Complete (HMO) — was Humana Total Complete H5619-177 (HMO)
• Humana Value Choice (PPO) — was Humana Value Choice H5216-132 (PPO)
• Humana Value Choice (PPO) — was Humana Value Choice H7617-031 (PPO)
• UHC Dual Complete ID-QV1 (HMO-POS D-SNP) — was UHC Dual Complete ID-Q1 (HMO-POS D-SNP)

A rename by itself is not a coverage cancellation. Read the ANOC to see whether anything else has been adjusted for the new plan year.

What to do if your plan is leaving

If your plan is being discontinued, you qualify for a Special Enrollment Period (SEP) that lets you switch to another Medicare Advantage plan or return to Original Medicare. That SEP runs through the end of February 2027. You can also make a change during the standard windows:

• Annual Enrollment Period: October 15 – December 7 (changes take effect January 1)
• Medicare Advantage Open Enrollment Period: January 1 – March 31 (for people already in a Medicare Advantage plan)

A useful checklist before you switch:

1. Read the letter carefully. Non-renewal notices come from your plan, not from Medicare. 2. Check your doctors and hospitals. Networks vary by plan, especially between HMO, HMO-POS and PPO. 3. Check your prescriptions. Every remaining plan in Ada County includes drug coverage. In 2026, Part D has a $2,100 out-of-pocket cap, a maximum deductible of $615, and the coverage gap no longer applies (there are three phases now). 4. Look at the Medicare Prescription Payment Plan if you have high drug costs; it lets you spread them across the year in monthly amounts. 5. Consider IRMAA. In 2026, income-related surcharges begin above $109,000 for a single filer.

Where to get personalized help

• medicare.gov — use the Plan Finder to compare plans available in your ZIP code
• 1-800-MEDICARE (1-800-633-4227), 24/7
• Idaho SHIBA — Idaho's State Health Insurance Assistance Program (SHIP) offers free, unbiased counseling for Medicare beneficiaries