Medicare Advantage

11 Medicare Advantage plans are exiting Fayette County for 2027 — how Lexington members can tell

Fayette County has 66 Medicare Advantage plans for 2027. Compared with 2026, 11 plans are not coming back, 12 are new, and 23 continuing plans changed in some way you should check before December 7, 9 of them under a new name. This guide covers what those numbers mean for Lexington, not which plan to pick.

LEXINGTON, Ky. — As the fall 2026 Annual Enrollment Period opens, 11 Medicare Advantage plans sold in Fayette County this year will not be offered again in 2027, according to the CMS Medicare Advantage Landscape Source Files for the current and coming plan years. If you are enrolled in one of them, your insurer is required to send you a non-renewal letter — and the choice you make (or don't make) between now and early 2027 will shape your coverage on Jan. 1.

Here is who is affected, how to recognize the letter, and the enrollment windows that apply only to people in a non-renewed plan.

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

In Fayette County — the county Lexington sits in — 11 Medicare Advantage plans available in 2026 are not in CMS's 2027 Landscape file. Two carriers account for the full list: Centene (WellCare), Humana and UnitedHealthcare.

The plans not returning for 2027, in alphabetical order by carrier:

• Wellcare Assist (HMO-POS) — Centene (WellCare)
• Wellcare Patriot Giveback Open (PPO) — Centene (WellCare)
• Humana Gold Plus Chronic Kidney Disease (HMO C-SNP) — Humana
• Humana Gold Plus H5619-071 (HMO) — Humana
• Humana Gold Plus SNP-DE H1036-320 (HMO D-SNP) — Humana
• Humana Together in Health Select (PPO I-SNP) — Humana
• Humana USAA Honor Giveback (PPO) — Humana
• Humana USAA Honor Giveback with Rx (PPO) — Humana
• Humana USAA Honor Giveback with Rx (PPO) — Humana
• UHC Dual Complete KY-S002 (HMO-POS D-SNP) — UnitedHealthcare
• UHC Dual Complete KY-S4 (HMO-POS D-SNP) — UnitedHealthcare

Fayette County will still have 66 Medicare Advantage plans from 9 carriers offered for 2027. The table on this page lists every plan available, so you can see what remains alongside what is leaving.

How can I tell if my Lexington plan sent a non-renewal letter?

If your plan is ending, your insurer is required to mail you a written non-renewal notice — typically by early October 2026, before the Annual Enrollment Period opens on Oct. 15.

The letter usually arrives in a plain envelope from your current plan and may be titled "Plan Non-Renewal Notice," "Plan Termination Notice," or similar language. It will say the plan will not be offered in your area in 2027, give the last day of coverage (Dec. 31, 2026), and explain your options. It is a separate mailing from the Annual Notice of Change (ANOC), which members of continuing plans receive each September describing next year's changes.

If you think you may have missed it, call the member services number on the back of your current plan ID card, or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.

What happens in Lexington if I do nothing after my plan ends?

If your Medicare Advantage plan is non-renewed and you take no action, you will be enrolled in Original Medicare — Part A (hospital) and Part B (medical) — on Jan. 1, 2027.

Two things to understand about that default:

• Original Medicare does not include prescription drug coverage. If your current plan included drugs and you want to keep drug coverage, you need to actively enroll in a stand-alone Part D plan or in another Medicare Advantage plan that includes drugs.
• Original Medicare also has no annual out-of-pocket maximum on Parts A and B services. Many people pair it with a Medicare Supplement (Medigap) policy to help with those costs.

What are my choices and when can I make them?

You have three main paths, and you have more time than the standard Dec. 7 deadline most people face.

1. Choose a different Medicare Advantage plan for 2027 (one of the 66 offered in Fayette County next year). 2. Stay with Original Medicare and add a stand-alone Part D drug plan. 3. Stay with Original Medicare, add a Part D plan, and apply for a Medigap policy.

Three enrollment windows apply:

• The Annual Enrollment Period, Oct. 15 – Dec. 7, 2026: you can pick any 2027 plan, with coverage starting Jan. 1, 2027.
• A Special Enrollment Period for people in non-renewed plans, Dec. 8, 2026 – Feb. 28, 2027: you can enroll in a Medicare Advantage plan or a stand-alone Part D plan.
• A Medigap guaranteed-issue right: at the federal level, people losing Medicare Advantage coverage because their plan is leaving the area generally have a limited window to buy certain Medigap policies without medical underwriting. Kentucky may have additional rules; the Kentucky Department of Insurance can confirm what applies in your situation.

What is changing in Lexington's 2027 Medicare lineup overall?

For plan year 2027, Fayette County will have 66 Medicare Advantage plans from 9 carriers. Alongside the 11 plans not returning, CMS files show 12 new plans and 9 renamed plans for the county.

For continuing plans, the specifics of 2027 changes — provider networks, drug lists, cost sharing and extra benefits — appear in each plan's Annual Notice of Change, which members receive by late September 2026. Even if your plan is returning, it is worth reading.

A few program-wide figures to keep in mind as you compare drug coverage:

• Part D out-of-pocket cap: $2,400 in 2027 (up from $2,100 in 2026).
• Part D maximum deductible: $700 in 2027 (up from $615 in 2026).
• CMS will publish the 2027 Part B standard premium, deductible and IRMAA income brackets later this fall, typically in November.

Where should Lexington residents go for personal answers?

For plan-specific details — premiums, copays, which doctors and pharmacies are in network, and whether your medications are covered — use the Medicare Plan Finder at medicare.gov, call 1-800-MEDICARE (1-800-633-4227, TTY 1-877-486-2048), or read the plan's own Evidence of Coverage and provider directory. For questions about Medigap rules in Kentucky, the Kentucky Department of Insurance is the official source.