Medicare Advantage

What's changing for Medicare Advantage in Louisville for 2027, plan by plan

Jefferson County has 58 Medicare Advantage plans for 2027. Compared with 2026, 13 plans are not coming back, 13 are new, and 14 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.

Louisville, Ky. — As the Annual Enrollment Period runs through Dec. 7, Medicare Advantage members in Jefferson County are getting official mail about how their plan will look next year. Some plans are going away for 2027, some are brand new, and a handful are keeping the same coverage but under a different name. Here is a plain-English look at what the federal data shows for the county — and what to do if your plan is on the moving list.

The big picture in Jefferson County

Louisville sits inside Jefferson County, and Medicare plan availability is set at the county level. For 2027, the county still has a broad Medicare Advantage market, but the makeup is shifting.

According to the CMS Medicare Advantage Landscape Source Files comparing 2026 and 2027:

• 13 plans are leaving after 2026
• 13 plans are new for 2027
• 9 plans are being renamed (same plan, new label)
• 14 continuing plans show a change on file (premium, deductible, plan type or name)
• 45 plans continue with no such change flagged

One carrier, Provider Partners Health Plans, will not offer plans in the county next year. One carrier is new to the county: American Health Advantage of Indiana.

Plans leaving after 2026

If you are enrolled in one of these plans, it will not renew for 2027. In alphabetical order by carrier:

• 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) (two contracts)
• 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 your plan is on this list, Medicare will send a non-renewal notice. You will qualify for a Special Enrollment Period that runs through the end of February to move to another Medicare Advantage plan or return to Original Medicare with a stand-alone Part D drug plan. You do not have to wait until then — you can also pick a new plan during the Annual Enrollment Period through Dec. 7.

Plans new for 2027

These are the plans showing up in the county for the first time next year, again alphabetical by carrier:

• Aetna (CVS Health): Aetna Medicare Chronic Care (HMO C-SNP)
• American Health Advantage of Indiana: American Health Advantage of Kentucky (HMO I-SNP)
• Devoted Health: DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 008 KY (PPO C-SNP); DEVOTED CHOICE GIVEBACK EXTRAS 011 KY (PPO)
• Elevance Health (Anthem): Anthem Chronic Care Advantage (HMO C-SNP); Anthem Medicare Advantage 2 (HMO-POS)
• Humana: Humana Dual QMB Only (HMO D-SNP); Humana Gold Plus H5619-188 (HMO); Humana Senior Living Plan (PPO I-SNP); Humana Together in Health (PPO I-SNP)
• UnitedHealthcare: AARP Medicare Advantage Patriot No Rx KY-MA2 (HMO-POS); UHC Dual Complete KY-Q2 (HMO-POS D-SNP); UHC Dual Complete KY-S4 (HMO-POS D-SNP)

Several of the new plans are Special Needs Plans (SNPs) for people with specific chronic conditions, dual Medicare/Medicaid status, or who live in a long-term-care setting. To join an SNP, you generally have to meet the eligibility rules for that group.

Plans being renamed

A rename is just a new label — the plan itself continues. But the new name is what you will see on your card, in the mail, and on Medicare.gov, so it is worth knowing. New name on the left, old name in parentheses:

• Wellcare Dual Access (HMO-POS D-SNP) — was Wellcare Dual Access Sync (HMO-POS D-SNP)
• DEVOTED C-SNP CHOICE ENHANCED 006 KY (PPO C-SNP) — was DEVOTED C-SNP CHOICE PREMIUM 006 KY
• Humana Essentials Plus Giveback (PPO) — was HumanaChoice Giveback H7617-049 (PPO)
• Humana Value Choice (PPO) — was HumanaChoice H7617-050 (PPO)
• HumanaChoice H5216-226 (PPO) — was HumanaChoice Giveback H5216-226 (PPO)
• AARP Medicare Advantage from UHC KY-1 (HMO-POS) — was AARP Medicare Advantage Essentials from UHC KY-1
• AARP Medicare Advantage from UHC KY-5 (HMO-POS) — was AARP Medicare Advantage Extras from UHC KY-5
• UHC Dual Advantage KY-V1 (HMO-POS D-SNP) — was UHC Dual Complete KY-V001
• UHC Dual Complete KY-Q1 (PPO D-SNP) — was UHC Dual Complete KY-S001

Even for a rename, read the Annual Notice of Change carefully — the details underneath the label can still shift year to year.

What a member should actually do

Here is a simple, five-step plan for anyone with a Medicare Advantage plan in Louisville:

1. Open the ANOC. Your plan mailed you an Annual Notice of Change in September. It lists what is different for 2027. 2. Check the list above. If your plan is leaving, you have both the Annual Enrollment Period (through Dec. 7) and a Special Enrollment Period running through the end of February to make a change. 3. Look up your drugs. Plans update their formularies every year. Even if the plan name is the same, the covered drug list may not be. 4. Confirm your doctors and hospitals. Networks can change on Jan. 1. Call the plan or your provider's office to verify. 5. Remember the program-level rules that apply everywhere. The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027, and the Part D maximum deductible is $615 in 2026 and $700 in 2027. The old "donut hole" is gone — Part D now has three phases. The Medicare Prescription Payment Plan lets you spread drug costs across the year in monthly amounts if you choose to opt in.

The table below lists every plan offered in Jefferson County so you can find yours by name.

The dates that matter

• Annual Enrollment Period: Oct. 15 – Dec. 7. Choices made here take effect Jan. 1.
• Medicare Advantage Open Enrollment Period: Jan. 1 – March 31. If you are in a Medicare Advantage plan, you can make one change during this window.
• Special Enrollment Period for non-renewed plans: through the end of February.
• IRMAA note for higher earners: Part B and Part D income-related surcharges begin above $109,000 in income for a single filer in 2026.