Medicare Advantage

If you got a non-renewal letter in Indianapolis, here is your 2027 game plan

For 2027, Indianapolis is looking at 79 Medicare Advantage plans: 15 new, 14 gone since 2026, and 29 still here but changed on premium, deductible, plan type or name, 7 of them under a new name. Below, how the lineup shifted in Marion County and what to compare, with no plan ranked or recommended.

INDIANAPOLIS — As Annual Enrollment opens for 2027 coverage, 14 Medicare Advantage plans sold in Marion County this year are not on CMS's list of plans offered for 2027. If you are in one of them, your insurer is required to send you a non-renewal letter this fall explaining what is changing — and you have a few more options than a typical enrollee.

Here is what the letter means, what happens if you do nothing, and the window you have to make a new choice.

The plans not returning in Marion County for 2027

Indianapolis is in Marion County, where CMS's 2027 Medicare Advantage landscape file shows 79 plans from 11 carriers, with 14 plans from the 2026 lineup not continuing. The full list is in the table below. In alphabetical order by carrier, those 14 plans are:

• Centene (WellCare): Wellcare Assist (HMO-POS); Wellcare Assist Open (PPO); Wellcare Patriot Giveback Open (PPO)
• Humana: Humana Gold Choice H8145-032 (PFFS); Humana Gold Plus Chronic Kidney Disease (HMO C-SNP); Humana Gold Plus H5619-049 (HMO-POS); Humana Together in Health (PPO I-SNP); Humana USAA Honor Giveback with Rx (PPO); Humana USAA Honor Giveback with Rx (PPO); HumanaChoice Giveback H5216-309 (PPO); HumanaChoice Giveback H7617-003 (PPO); HumanaChoice H5216-114 (PPO)
• Provider Partners Health Plans: Provider Partners Indiana Community Plan (HMO I-SNP)
• UnitedHealthcare: AARP Medicare Advantage from UHC IN-0007 (PPO)

If a plan you have is not on that list, it is still offered for 2027 — but it may be renamed or changed. Read your plan's Annual Notice of Change (ANOC), which arrived by late September, for the specifics.

How to tell if your plan is ending

Your insurer is required by Medicare to mail a non-renewal letter (sometimes called a plan termination notice) to every member of a plan that will not continue. It should arrive in early October and will say, in plain terms, that your plan will end on December 31, 2026 and that you need to make a choice.

A few things to check when it arrives:

• The letter is from your current plan's insurer, not from Medicare or MyMedicarePlans.org.
• It names the specific plan that is ending — compare it with the list above.
• It describes your Special Enrollment Period and your right to return to Original Medicare.

If you cannot find the letter, call the member services number on the back of your plan ID card and ask whether your plan is being offered in Marion County for 2027.

What happens if you do nothing

This is the part that surprises people. If your plan is non-renewing and you take no action by December 31, 2026, you are automatically moved to Original Medicare (Part A and Part B) on January 1, 2027. You will not be left without hospital or doctor coverage.

But Original Medicare on its own does not include Part D prescription drug coverage, and it does not cap your out-of-pocket costs the way a Medicare Advantage plan does. If you want drug coverage or something to help with the 20% coinsurance Original Medicare leaves behind, you have to choose it.

Your Special Enrollment Period and your choices

Because your plan is ending through no fault of yours, Medicare gives you a Special Enrollment Period that is longer than the regular Annual Enrollment Period. It runs from December 8, 2026 through February 28, 2027. During that window you can:

1. Pick a different Medicare Advantage plan for 2027. Marion County will have 79 plans from 11 carriers to choose from. The table below shows every one. 2. Return to Original Medicare and add a standalone Part D plan for prescription drugs. 3. Return to Original Medicare and consider a Medigap (Medicare Supplement) policy. Losing coverage because your Medicare Advantage plan is terminating is one of the situations that triggers a federal guaranteed-issue right — meaning certain Medigap plans must sell to you without medical underwriting during a limited window. Indiana may have additional rules; the Indiana Department of Insurance can confirm what applies in your case.

You can also still use the regular Annual Enrollment Period (October 15 – December 7, 2026) to pick a 2027 plan that starts January 1, which avoids any gap at all.

A few 2027 numbers worth knowing

Whatever you choose, these program-level figures apply in 2027:

• The Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100 in 2026).
• The Part D maximum deductible is $700 in 2027 (up from $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 in November.

The Medicare Prescription Payment Plan — which lets you spread drug costs across the calendar year in monthly installments — continues to be available with any Part D plan.

Where to get personalized help

Plan details, provider networks and drug lists change every year. For questions about a specific plan:

• Use the Medicare Plan Finder at medicare.gov to compare 2027 plans available in your ZIP code.
• Call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, seven days a week.
• Read the Evidence of Coverage and provider directory from the plan itself before you enroll.
• For Medigap questions specific to Indiana, contact the Indiana Department of Insurance.