Medicare Advantage

If your Boise Medicare Advantage plan sent a non-renewal letter, here is your next move

For 2027, Boise is looking at 27 Medicare Advantage plans: 4 new, 9 gone since 2026, and 15 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 — October 2026. Nine Medicare Advantage plans sold in Ada County this year will not be offered again in 2027, according to the CMS Medicare Advantage Landscape Source Files for 2026 and 2027. If you are enrolled in one of them, your carrier is required to mail you a non-renewal notice this fall explaining that your coverage ends December 31, 2026. You still have time to choose what comes next — but doing nothing has real consequences.

Here is how to tell if your plan is on the list, what happens on January 1 if you make no change, and the special window Medicare gives you to pick a new plan.

Which Medicare Advantage plans are not returning in Boise for 2027?

Boise is in Ada County, where nine Medicare Advantage plans sold in 2026 are not in the CMS 2027 file for the county. Listed alphabetically by carrier:

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

For 2027, Ada County will have 27 Medicare Advantage plans from 7 carriers. The table below lists every plan. If your plan is not on the non-returning list above, it is renewing for 2027 — but check your Annual Notice of Change (ANOC) for cost or benefit changes.

How do I know if my plan sent a non-renewal letter?

A non-renewal notice is a specific letter — not the regular ANOC — and plans are required by CMS to mail it in early fall. It usually arrives in a plain envelope and says something like "Your plan will not be offered in 2027" or "Your coverage ends December 31, 2026."

A few tips if you're sorting your mail:

• The letter will name your current plan and the end date.
• It is separate from the ANOC, which goes out to every member whose plan is renewing.
• If you think you may have thrown it away, call the member services number on the back of your current plan ID card and ask.

If you are not sure which plan you have, 1-800-MEDICARE can confirm it.

What happens in Boise on January 1, 2027, if I do nothing?

If your Medicare Advantage plan is on the non-returning list and you take no action, you will be enrolled in Original Medicare (Part A and Part B) on January 1, 2027. You will not have a Medicare Advantage plan, and in most cases you will not have Part D prescription drug coverage either.

That matters for two reasons:

1. Original Medicare does not cap your out-of-pocket costs the way a Medicare Advantage plan does, and it does not include extras some Advantage plans offer. 2. If you go without creditable drug coverage, you can face a Part D late enrollment penalty later — unless you sign up for a stand-alone Part D plan during your Special Enrollment Period.

What is the Special Enrollment Period for a non-renewed Medicare Advantage plan?

When a Medicare Advantage plan leaves your area, Medicare gives you a Special Enrollment Period that runs from December 8, 2026 through February 28, 2027. During this window you can:

• Join a different Medicare Advantage plan offered in Ada County for 2027.
• Return to Original Medicare and add a stand-alone Part D drug plan.

You can also use the Annual Enrollment Period, which runs October 15 – December 7, 2026, to choose a new plan that starts January 1, 2027. Many people use AEP first so there is no gap in coverage, and keep the SEP as a safety net.

Can I buy a Medigap policy if I'm forced off my Advantage plan?

Yes — and this is important. When your Medicare Advantage plan is non-renewed, federal law gives you a guaranteed-issue right to buy certain Medigap (Medicare Supplement) policies, which means an insurer cannot deny you coverage or charge you more because of your health. This right is time-limited and tied to the loss of your plan.

Idaho has its own rules about which Medigap plans are available and how insurers price them. For specifics, contact the Idaho Department of Insurance. For your federal guaranteed-issue rights, medicare.gov has a plain-language guide.

What is changing for Medicare in 2027?

A few program-level numbers are already set for 2027:

• The Part D out-of-pocket cap rises to $2,400 (up from $2,100 in 2026).
• The Part D maximum deductible rises to $700 (up from $615 in 2026).
• The Part D national base beneficiary premium is $41.33 — a formula input, not what any plan charges.

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

In Ada County, alongside the nine non-returning plans, four new plans and five renamed plans will appear in 2027. If your plan was renamed, the ANOC will say so and explain the changes.