Medicare Advantage

What’s Changing in Indiana Medicare Advantage for 2027: 16 Plans Leaving, 41 Changing

INDIANAPOLIS — Indiana's Medicare Advantage lineup is shifting again for the 2027 plan year. According to the Centers for Medicare & Medicaid Services (CMS) Medicare Advantage Landscape files, Indiana will have 140 Medicare Advantage plans available in 2027, up from 127 in 2026. But the headline number hides the real story underneath: 16 plans available somewhere in Indiana in 2026 will not be offered anywhere in the state in 2027, and 41 plans offered both years will look different in at least one county.

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For roughly a million Hoosiers enrolled in Medicare Advantage, the practical question is simple: is your plan one of them?

What the statewide numbers mean

The two CMS Landscape files — one for 2026, one for 2027 — list every Medicare Advantage plan offered in each county. Comparing them county by county and then rolling the result up to the state level produces the picture for Indiana.

In CMS's accounting, a plan is counted as leaving if it was offered somewhere in Indiana for 2026 but is not offered anywhere in Indiana for 2027. For 2027, 16 plans fit that description.

A plan is counted as changing if it is offered in both years but differs on premium, drug deductible, plan type, or plan name in at least one Indiana county. For 2027, 41 plans fit that description. The CMS files do not describe why a plan changed, only that something listed in the file is different. The specifics for any individual plan live in the Annual Notice of Change (ANOC) the carrier mails each September.

The rest of the math: 70 plans continue unchanged into 2027, and 29 plans are new to Indiana for 2027. Add it up — 70 unchanged + 41 changing + 29 new — and you get the 140 plans available in 2027. The 16 that are leaving are not in that total.

Each plan is counted once statewide here, regardless of how many of Indiana's 92 counties it serves.

If your plan is leaving

If your 2026 plan is among the 16 that will not be offered anywhere in Indiana in 2027, your carrier is required to send you a non-renewal notice. You do not need to panic, but you do need to act.

Two things to know:

You get a Special Enrollment Period (SEP). Members whose plans are not renewed have an SEP that runs through the end of February 2027. During that window you can choose another Medicare Advantage plan or return to Original Medicare (and, if you want, add a stand-alone Part D drug plan).

Doing nothing has consequences. If a plan is terminated and you take no action, you can be returned to Original Medicare without drug coverage. That is why the non-renewal letter and the SEP exist — read the letter, and make an active choice.

If your plan is changing

If your plan is one of the 41 offered both years but changed in CMS's file, the plan is still available to you — but at least one listed detail is different in at least one county. CMS's file does not say which detail, by how much, or in which direction. The place to look is the Annual Notice of Change (ANOC), which your carrier is required to send by the end of September. It spells out, in plain language, what is different between your 2026 plan and your 2027 plan.

If you do nothing, you will stay enrolled in the renewing plan with whatever changes the ANOC describes. That may be fine — or it may not. The only way to know is to read the ANOC and compare.

The counties with the most change

Every one of Indiana's 92 counties will see at least one plan leave or change. CMS's county-level counts show where the churn is heaviest. These are counts of plans leaving and plans changing, nothing more:

• Cass County: 22 leaving, 15 changing
• Shelby County: 19 leaving, 18 changing
• Marion County: 14 leaving, 22 changing
• Hamilton County: 15 leaving, 18 changing
• Hendricks County: 14 leaving, 19 changing
• Lake County: 11 leaving, 22 changing
• Boone County: 13 leaving, 19 changing
• Hancock County: 14 leaving, 18 changing

A high county count does not mean a given individual's plan is affected — it means more plans in that county's menu are moving. Your ANOC (or non-renewal letter) is still the document that tells you about your plan.

What to do before December 7

The Annual Enrollment Period (AEP) runs October 15 – December 7, 2026. A choice made during AEP takes effect January 1, 2027. A short checklist:

1. Watch the mail in September 2026. Look for either an ANOC (plan continuing with changes) or a non-renewal notice (plan leaving). 2. Read it. The ANOC is the official source for what is changing in your specific plan. 3. Check your doctors and pharmacies. Networks and formularies can change year to year. 4. Compare on Medicare.gov. The Plan Finder uses the same CMS Landscape data this article is drawn from. 5. Make a choice during AEP if you want it effective January 1, 2027. If your plan is not renewed and you miss AEP, the SEP through the end of February 2027 is your backstop.

Where to get free help

You do not have to figure this out alone, and you do not have to pay anyone to help you.

• Medicare.gov — the official Plan Finder, built from the same CMS Landscape files.
• 1-800-MEDICARE (1-800-633-4227) — 24 hours a day, 7 days a week.
• Indiana SHIP (State Health Insurance Assistance Program) — free, unbiased, one-on-one counseling from trained Indiana counselors who do not sell insurance.