Medicare Advantage
12 Medicare Advantage Plans Not Returning in Montana for 2027: The List
HELENA, Mont. — Twelve Medicare Advantage plans currently offered somewhere in Montana are not in the Centers for Medicare & Medicaid Services' 2027 Landscape file for any county in the state, according to a comparison of the CMS MA Landscape Source Files for 2026 and 2027. The non-renewing plans come from three carriers: Blue Cross Blue Shield (HCSC), PacificSource Medicare and UnitedHealthcare. For 2027, 23 Medicare Advantage plans from three carriers are listed as available somewhere in Montana.
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Key takeaways
- Twelve Medicare Advantage plans offered in Montana in 2026 are not returning for 2027, across Blue Cross Blue Shield (HCSC), PacificSource Medicare and UnitedHealthcare.
- If your plan is on the list, your carrier must mail an Annual Notice of Non-Renewal, usually in early October 2026.
- If you do nothing, you move to Original Medicare on January 1, 2027, with no Part D drug coverage unless you choose it.
- Annual Enrollment runs October 15 – December 7, 2026, and a non-renewal also opens a Special Enrollment Period through the end of February 2027.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
If your plan's name is on the list below, you have time to look at your options before the Annual Enrollment 2027 deadline of December 7, 2026.
How many Medicare Advantage plans are not returning in Montana for 2027, and which carriers do they come from?
Twelve Medicare Advantage plans offered in Montana in 2026 are not in the CMS 2027 Landscape file for any Montana county. They come from three carriers: Blue Cross Blue Shield (HCSC), PacificSource Medicare and UnitedHealthcare.
Six of the twelve are Blue Cross Blue Shield (HCSC) PPO plans: Blue Cross Medicare Advantage Choice Plus (PPO), Blue Cross Medicare Advantage Classic (PPO), Blue Cross Medicare Advantage Dental Premier (PPO), Blue Cross Medicare Advantage Health Choice (PPO), Blue Cross Medicare Advantage Optimum (PPO) and Blue Cross Medicare Advantage Protect (PPO). Two are PacificSource Medicare HMO-POS plans: PacificSource Medicare MyCare Choice 30 (HMO-POS) and PacificSource Medicare MyCare Choice Rx 29 (HMO-POS). Four are UnitedHealthcare PPO plans: AARP Medicare Advantage Access from UHC MT-3 (PPO), AARP Medicare Advantage from UHC MT-0001 (PPO), AARP Medicare Advantage from UHC MT-0002 (PPO) and AARP Medicare Advantage Patriot No Rx MT-MA01 (PPO). The full list, with county counts, is in the table on this page.
Which Montana Medicare Advantage plans leaving in 2027 served the most counties?
In Montana for 2026, the non-returning plans with the broadest county footprint were Blue Cross Medicare Advantage Classic (PPO) and Blue Cross Medicare Advantage Optimum (PPO), each offered in 39 counties. Several other Blue Cross Blue Shield (HCSC) PPO plans on the non-renewal list — Choice Plus, Dental Premier, Health Choice and Protect — were offered in 21 counties each.
The four AARP/UnitedHealthcare PPO plans on the list were each offered in 8 Montana counties this year, and the two PacificSource Medicare MyCare HMO-POS plans were each offered in 1 county. A plan is sold county by county, so a plan on the list may not have been available where you live.
How can I tell if my Montana Medicare Advantage plan is not returning for 2027?
Two signals confirm it. First, the carrier is required to send an Annual Notice of Non-Renewal (sometimes called a plan non-renewal letter) by early October 2026, explaining that the plan will end December 31, 2026. Second, the plan's exact name appears on the list of 12 above.
Compare the plan name on your member ID card or Annual Notice of Change to the names in the table on this page, spelled exactly. If it is not on the list, your plan is continuing into 2027, though premiums, cost sharing and benefits may change — read your Annual Notice of Change.
What happens to a Montana member who does nothing before December 7, 2026?
A Montana resident whose Medicare Advantage plan is not returning and who makes no choice by December 7, 2026 will be moved to Original Medicare (Part A and Part B) on January 1, 2027. There is no automatic enrollment into another Medicare Advantage plan.
Original Medicare does not include Part D prescription drug coverage. Someone who wants drug coverage in 2027 must actively enroll in a stand-alone Part D plan or a Medicare Advantage plan that includes drugs. Without that choice, there is no drug coverage on January 1, 2027, and a late enrollment penalty can apply later.
Is there a Special Enrollment Period and a Medigap guaranteed-issue right when a Montana plan is non-renewed for 2027?
Yes. When a Medicare Advantage plan is non-renewed, CMS grants a Special Enrollment Period that runs from December 8, 2026 through the end of February 2027, allowing an affected member to join another Medicare Advantage plan or a stand-alone Part D plan after the Annual Enrollment deadline.
At the program level, federal rules also give people losing Medicare Advantage coverage a guaranteed-issue right to buy certain Medigap (Medicare Supplement) policies without medical underwriting, within set time windows. State-specific details and any additional Montana protections are handled by the Montana Commissioner of Securities and Insurance.
How do I check my own Montana county's Medicare Advantage lineup for 2027?
Use the Medicare Plan Finder at medicare.gov or call 1-800-MEDICARE and enter your ZIP code and county. The tool shows the Medicare Advantage and Part D plans available in your county for 2027, with each plan's premium, cost sharing, drug list, provider network and star rating — details this article does not provide.
Statewide, 23 Medicare Advantage plans from three carriers are listed somewhere in Montana for 2027. The exact set available in any one county is a subset of that list.
What should a Montana member do before December 7, 2026?
Three steps help: read the Annual Notice of Non-Renewal or Annual Notice of Change that arrived from the carrier; compare 2027 plans available in your county on medicare.gov; and enroll by December 7, 2026 if you want continuous coverage on January 1, 2027.
If you also want to look at a Medigap policy, ask about the guaranteed-issue window tied to losing your Medicare Advantage plan. Keep notes on confirmation numbers and the names of any plans you enroll in.
Where can a Montana resident get free help?
Free, unbiased help is available from Medicare directly. Call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, 7 days a week, or use the Plan Finder and chat tools at medicare.gov.
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.
Not returning for 2027
Medicare Advantage plans across Montana not returning for 2027
These 12 plans are offered across Montana for 2026 and are not in CMS’s 2027 file for any county in the state. 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 | Counties |
|---|---|---|---|
| Blue Cross Blue Shield (HCSC) 6 plans | |||
| Blue Cross Medicare Advantage Classic (PPO) | PPO | Yes | 39 |
| Blue Cross Medicare Advantage Optimum (PPO) | PPO | Yes | 39 |
| Blue Cross Medicare Advantage Choice Plus (PPO) | PPO | Yes | 21 |
| Blue Cross Medicare Advantage Dental Premier (PPO) | PPO | Yes | 21 |
| Blue Cross Medicare Advantage Health Choice (PPO) | PPO | Yes | 21 |
| Blue Cross Medicare Advantage Protect (PPO) | PPO | No | 21 |
| PacificSource Medicare 2 plans | |||
| PacificSource Medicare MyCare Choice 30 (HMO-POS) | HMO-POS | No | 1 |
| PacificSource Medicare MyCare Choice Rx 29 (HMO-POS) | HMO-POS | Yes | 1 |
| UnitedHealthcare 4 plans | |||
| AARP Medicare Advantage Access from UHC MT-3 (PPO) | PPO | Yes | 8 |
| AARP Medicare Advantage from UHC MT-0001 (PPO) | PPO | Yes | 8 |
| AARP Medicare Advantage from UHC MT-0002 (PPO) | PPO | Yes | 8 |
| AARP Medicare Advantage Patriot No Rx MT-MA01 (PPO) | PPO | No | 8 |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. 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 across Montana for 2027
- Humana 17 plans: HMO, PFFS, PPO
- Range Health 3 plans: PPO
- UnitedHealthcare 3 plans: PFFS, 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. Plans are offered county by county; a plan listed for the state may not be offered in your county. 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.
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The parts of Medicare
Good to know
Frequently asked questions
How many Medicare Advantage plans are not returning in Montana for 2027?
What is the deadline to choose a 2027 Medicare Advantage or Part D plan?
If my Montana plan is non-renewed, do I have extra time to pick a new plan?
Where can I see which Medicare Advantage plans are offered in my Montana county for 2027?
Watch
The Medicare Advantage changes for 2027 in every state, in 30 seconds
- 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.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- CMS, Medicare Advantage and Part D Landscape Source Files
Figures cited in this article
- CMS — MA Landscape Source Files (CY2026 and CY2027): the list of non-returning plans, carriers, plan types and county counts, and the 2027 statewide plan and carrier totals for Montana.
- Medicare.gov (CMS — Medicare enrollment periods): the Annual Enrollment Period dates, the non-renewal Special Enrollment Period through the end of February, and the Medigap guaranteed-issue right at the program level.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.