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HomeMedicare AdvantageKentuckyWhat’s Changing in Kentucky Medicare Advantage for 2027: 21 Plans Leaving, 23 Changing

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What’s Changing in Kentucky Medicare Advantage for 2027: 21 Plans Leaving, 23 Changing

FRANKFORT, Ky. — Kentuckians on Medicare Advantage will see a reshuffled menu of plans for the 2027 plan year. According to the CMS Medicare Advantage Landscape Source Files, the number of Medicare Advantage plans offered somewhere in Kentucky rises from 114 for 2026 to 123 for 2027. Behind that modest net change is a lot of movement: 21 plans that were offered somewhere in Kentucky for 2026 will not be offered anywhere in the state for 2027, 23 plans that continue are changing in at least one county, 30 are new, and 70 continue unchanged. Every one of Kentucky's 120 counties sees at least one plan leave or change.

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Happy senior couple at home — illustrating this Medicare guideMedicare AdvantageKentucky
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By MyMedicarePlans Data Desk · Plan Landscape & Data✓ Verified Team
Published 2026-10-01·9 min read·✓ Reviewed

Key takeaways

  • 21 Medicare Advantage plans are leaving Kentucky for 2027 and 23 continuing plans are changing in at least one county; check your mail for your Annual Notice of Change (ANOC).
  • If your plan is not being renewed, you get a Special Enrollment Period that runs through the end of February 2027 to pick a new plan.
  • The Annual Enrollment Period runs October 15 through December 7, 2026, and a choice made in it takes effect January 1, 2027.
  • Free, unbiased help is available from Medicare.gov, 1-800-MEDICARE, and Kentucky's State Health Insurance Assistance Program (SHIP).

Here is what the numbers mean, what to look for in the mail, and the dates to put on the refrigerator.

What the statewide numbers mean

CMS publishes a Landscape Source File each year that lists every Medicare Advantage plan offered in every county. Comparing the CY2026 and CY2027 files side by side is how we get these counts. A plan is counted once statewide no matter how many Kentucky counties it serves.

A plan is "leaving" when it was offered somewhere in Kentucky for 2026 and is offered nowhere in Kentucky for 2027. By that definition, 21 Kentucky plans are leaving. A plan is "changing" when it appears in both years but differs on premium, drug deductible, plan type, or plan name in at least one county. By that definition, 23 Kentucky plans are changing. Another 30 plans are new for 2027, and 70 continue unchanged.

On the carrier side, the CMS files show Provider Partners Health Plans with no Kentucky plans listed for 2027, and American Health Advantage of Indiana entering Kentucky for 2027.

If your plan is leaving

If your current Medicare Advantage plan is among the 21 leaving Kentucky for 2027, you will get a non-renewal notice from your plan. You have two protections built into Medicare's calendar.

First, the Annual Enrollment Period (AEP) runs October 15 through December 7, 2026. During AEP you can choose any plan available in your county for 2027, and your choice takes effect January 1, 2027.

Second, if your plan is not being renewed, you also get a Special Enrollment Period (SEP) that runs through the end of February 2027. That gives you extra time past December 7 to pick a replacement if you need it.

If you do nothing and your plan is non-renewed, you will not automatically land on a comparable plan. Read the notice from your carrier carefully and act within the SEP window.

If your plan is changing

If your plan is among the 23 that continue but change in at least one county, the specifics live in your Annual Notice of Change, or ANOC. Carriers send the ANOC in the fall before AEP. It spells out what is different about your plan for 2027 compared to 2026 in the county where you live.

If you do nothing, you stay in your plan with the changes described in your ANOC. That can be the right call, or it can be a reason to shop — but you cannot tell without reading the ANOC. The point is simple: open the envelope, and compare it to how you actually used your plan this year.

The counties with the most change

Because plans vary county by county, the same statewide reshuffle lands differently in different places. Using the CMS files, here are the counties the Landscape data flags with the highest leaving and changing counts:

If you live in one of these counties, odds are higher that something in your mailbox this fall will matter. But remember: all 120 Kentucky counties see at least one plan leave or change for 2027.

What to do before December 7

A short checklist for Kentucky beneficiaries:

1. Watch for two pieces of mail from your current carrier this fall — the Annual Notice of Change (if your plan is continuing) or a non-renewal notice (if your plan is leaving). 2. Read it against how you actually used the plan in 2026: your doctors, your hospitals, your pharmacy, your prescriptions. 3. Compare plans available in your county for 2027 on Medicare.gov's Plan Finder, which draws on the same CMS Landscape and Plan Finder data. 4. Make any change during the Annual Enrollment Period, October 15 through December 7, 2026. Coverage you pick starts January 1, 2027. 5. If your plan is not renewed, you still have the Special Enrollment Period through the end of February 2027.

Where to get free help

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

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.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

By the numbers

Medicare Advantage in Kentucky: 2026 to 2027

21Leavingoffered last year, not this year
23Changingoffered both years, listing differs
44Totalplans leaving or changing
These counts come from comparing the two official CMS Medicare Advantage Landscape files for 2026 and 2027. A plan counts as leaving when it was offered in the county for 2026 and is not offered there for 2027. A plan counts as changing when it is offered in both years but its 2027 listing differs on something a member would notice: the premium, the drug deductible, the plan type, or the plan name. Only the counts are shown here. This page does not name plans, list premiums or benefits, or recommend anything. Each plan is counted once statewide, however many counties it serves.

Kentucky counties with the most change

CountyLeavingChangingTotal
Barren County141327
Jefferson County131427
Knox County141327
Lewis County141327
Russell County141327
Wayne County141327
Boone County131326
Bullitt County121426

Carriers with no Kentucky plans listed for 2027: Provider Partners Health Plans.

Carriers new to Kentucky for 2027: American Health Advantage of Indiana.

See every Kentucky county’s counts.

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When can you enroll? An interactive year

JFMAMJJASOND
October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

Good to know

Frequently asked questions

How do I know if my Medicare Advantage plan is one of the 21 leaving Kentucky for 2027?
Your carrier is required to send you a non-renewal notice in the fall before the plan ends. If you receive one, your plan will not be offered in Kentucky for 2027, and you qualify for a Special Enrollment Period that runs through the end of February 2027 in addition to the Annual Enrollment Period.
What if my plan is continuing but is one of the 23 that are changing?
Read your Annual Notice of Change (ANOC). It describes the specifics of what is different for 2027 in your county. If you do nothing, you stay enrolled with those changes in effect on January 1, 2027.
When can I make a change, and when does it take effect?
The Annual Enrollment Period runs October 15 through December 7, 2026. A choice made during AEP takes effect January 1, 2027. If your plan is not renewed, the Special Enrollment Period extends your window through the end of February 2027.
Does this article tell me which plan to pick?
No. This is educational information drawn from the CMS Medicare Advantage Landscape Source Files for CY2026 and CY2027. For personalized help comparing plans in your county, use Medicare.gov, call 1-800-MEDICARE, or contact Kentucky SHIP.
Sources & further reading
  • CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
  • CMS — MA/Part D Landscape & Plan Finder data

For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.

Content Integrity Standards

  • No invented figures. Program-level numbers come from CMS / Medicare.gov; we never use placeholder data.
  • No plan rankings or recommendations. This is educational content. We don't rank, score, or recommend specific plans.
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  • Inline sourcing. Facts and figures are cited to primary sources — CMS, SSA, and Medicare.gov.
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This page was last updated: October 2026.

Medicare plans in your area changing for 2027 — check yoursCall