Medicare Advantage
If your Louisville Medicare Advantage plan is ending in 2027, here is your playbook
Jefferson County has 67 Medicare Advantage plans for 2027. Compared with 2026, 13 plans are not coming back, 13 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 Louisville, not which plan to pick.
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Key takeaways
- 13 Medicare Advantage plans offered in Jefferson County in 2026 are not returning for 2027; the plan's non-renewal letter (sometimes called a plan termination notice) is how you'll know.
- If you do nothing, you'll be moved to Original Medicare (Part A and Part B) on January 1, 2027 — with no Part D drug coverage unless you add it.
- Members of a non-renewing plan get a Special Enrollment Period that runs through February 28, 2027, to pick a new Medicare Advantage plan or a stand-alone Part D plan.
- Leaving a Medicare Advantage plan that's ending may also give you a guaranteed-issue right to buy certain Medigap policies — check with the Kentucky Department of Insurance for state specifics.
LOUISVILLE — If you open your mailbox this fall and find a letter saying your Medicare Advantage plan will not be offered in 2027, you are not alone. According to CMS's 2027 Medicare Advantage Landscape file, 13 Medicare Advantage plans sold in Jefferson County this year are not coming back for 2027. Louisville is in Jefferson County, so the change applies to residents enrolled in any of those plans.
The good news: you have time, you have choices, and you qualify for a Special Enrollment Period that most people do not get. Here is how to tell if your plan is on the list, what happens if you do nothing, and how to use the window the rules give you.
How to tell if your plan is one of the 13
Your plan is required to mail you a non-renewal notice (sometimes called a plan termination letter) by early October. It will say the plan will not be offered in 2027 and explain your options. If you don't recall seeing one, check the envelopes from your insurer carefully — the Annual Notice of Change (ANOC) and a non-renewal letter are different documents.
The 13 plans not returning in Jefferson County for 2027, by carrier, are listed in the table below. In alphabetical order by carrier, they are:
- Centene (WellCare): Wellcare Assist (HMO-POS); Wellcare Patriot Giveback Open (PPO)
- Humana: Humana Community HMO SNP-DE (HMO D-SNP); Humana Gold Plus Chronic Kidney Disease (HMO C-SNP); Humana Gold Plus H5619-071 (HMO); Humana Gold Plus SNP-DE H1036-320 (HMO D-SNP); Humana Together in Health Select (PPO I-SNP); Humana USAA Honor Giveback (PPO); Humana USAA Honor Giveback with Rx (PPO); Humana USAA Honor Giveback with Rx (PPO)
- Provider Partners Health Plans: Provider Partners Kentucky Advantage Plan (HMO I-SNP)
- UnitedHealthcare: UHC Dual Complete KY-S002 (HMO-POS D-SNP); UHC Dual Complete KY-S4 (HMO-POS D-SNP)
If the name on your member ID card matches one on this list, your plan is ending December 31, 2026.
What happens if you do nothing
A Medicare Advantage plan ending is different from a plan simply changing its benefits. If your plan is renewing (even with changes), doing nothing means you stay in it. If your plan is not renewing, you can't stay — there is no plan to stay in.
If you take no action by December 31, 2026, Medicare will automatically return you to Original Medicare (Part A and Part B) starting January 1, 2027. That coverage will pay for hospital and medical care under the standard Medicare rules, but it does not include prescription drug coverage. If your old plan had drug coverage built in (and all 13 of these did), you'll be without a Part D plan on January 1 unless you sign up for one.
That gap is the main reason not to simply let the clock run out.
Your Special Enrollment Period
Because your plan is leaving the market, you qualify for a Special Enrollment Period (SEP) that most people don't have. It runs from December 8, 2026 through February 28, 2027. During that window you can:
- Join a different Medicare Advantage plan (with or without drug coverage) for 2027, or
- Stay in Original Medicare and add a stand-alone Part D prescription drug plan.
A choice made during this SEP generally takes effect the first of the month after you enroll. You can also still use the regular Annual Enrollment Period (October 15 – December 7, 2026) to pick your 2027 coverage in advance — many people in a non-renewing plan do, so there is no gap.
What about Medigap?
If you decide to leave Medicare Advantage entirely and go back to Original Medicare, you may want a Medicare Supplement (Medigap) policy to help with the out-of-pocket costs Original Medicare doesn't cover. Federal rules give people in your situation a guaranteed-issue right to buy certain Medigap policies — meaning the insurer must sell to you and can't charge more for health reasons — for a limited time after your Medicare Advantage plan ends.
State rules vary on exactly which Medigap plans qualify and how long the window lasts. For Kentucky-specific guidance, contact the Kentucky Department of Insurance.
The 2027 landscape in Jefferson County
For context: CMS's 2027 file shows 67 Medicare Advantage plans from 10 carriers will be offered in Jefferson County next year — the same total headcount as 2026, because 13 plans are leaving, 13 new ones are being added, and 9 are being renamed. The table on this page shows the full roster. If a plan you're considering has a new name, the ANOC from your current insurer should spell out whether it's a renamed version of your existing plan or a different product altogether.
A couple of 2027 program numbers to keep in mind as you compare drug coverage: the Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100 in 2026), and the Part D maximum deductible rises to $700 in 2027 (up from $615 in 2026). CMS will publish the 2027 Part B premium, deductible, and IRMAA income brackets later this fall.
A simple plan of action
1. Find your non-renewal letter and confirm your plan is on the list above. 2. Decide: do you want to pick a new Medicare Advantage plan, or go back to Original Medicare with a stand-alone Part D plan (and possibly a Medigap policy)? 3. Use the Medicare Plan Finder at medicare.gov to compare 2027 plans by your doctors, pharmacies, and prescriptions. Or call 1-800-MEDICARE (TTY 1-877-486-2048), available 24/7. 4. Enroll by December 7, 2026 if you can, or during your SEP through February 28, 2027.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Jefferson County
(MA penetration in Jefferson County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
Not returning for 2027
Medicare Advantage plans in Jefferson County not returning for 2027
These 13 plans are offered in Jefferson County for 2026 and are not in CMS’s 2027 file for the county. A member of one of them gets a non-renewal letter from the plan and has a Special Enrollment Period to choose new coverage.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Centene (WellCare) 2 plans | |||
| Wellcare Assist (HMO-POS) | HMO-POS | Yes | Returning |
| Wellcare Patriot Giveback Open (PPO) | PPO | Yes | Returning |
| Humana 8 plans | |||
| Humana Community HMO SNP-DE (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Humana Gold Plus Chronic Kidney Disease (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| Humana Gold Plus H5619-071 (HMO) | HMO | Yes | Returning |
| Humana Gold Plus SNP-DE H1036-320 (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Humana Together in Health Select (PPO I-SNP) | PPO I-SNP | Yes | Returning |
| Humana USAA Honor Giveback (PPO) | PPO | Yes | Returning |
| Humana USAA Honor Giveback with Rx (PPO) | PPO | Yes | Returning |
| Humana USAA Honor Giveback with Rx (PPO) | PPO | Yes | Returning |
| Provider Partners Health Plans 1 plan | |||
| Provider Partners Kentucky Advantage Plan (HMO I-SNP) | HMO I-SNP | Yes | Returning |
| UnitedHealthcare 2 plans | |||
| UHC Dual Complete KY-S002 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Returning |
| UHC Dual Complete KY-S4 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Returning |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
HMO, PPO and Special Needs Plans in Jefferson County for 2027
- Abilis Health (HMO SNP) 2 plans: HMO
- Aetna (CVS Health) 6 plans: HMO, HMO-POS, PPO
- American Health Advantage of Indiana 1 plan: HMO
- Centene (WellCare) 7 plans: HMO-POS, PPO
- Devoted Health 6 plans: PPO
- Elevance Health (Anthem) 8 plans: HMO, HMO-POS, PPO
- Essence Healthcare 2 plans: HMO, PPO
- Humana 21 plans: HMO, PPO
- Passport Advantage 1 plan: HMO
- UnitedHealthcare 13 plans: HMO-POS, PPO
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Explore
The parts of Medicare
Good to know
Frequently asked questions
How will I know for sure my plan is ending?
If I do nothing, will I lose Medicare entirely?
When exactly can I enroll in a new plan?
Can I buy a Medigap plan if I go back to Original Medicare?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Also for Louisville
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This page was last updated: October 2026.