Medicare Advantage

What’s Changing in Nevada Medicare Advantage for 2027: 21 Plans Leaving, 26 Changing

CARSON CITY — Nevada's Medicare Advantage lineup is shifting again for the 2027 plan year, and the two Medicare Advantage Landscape files published by the Centers for Medicare & Medicaid Services (CMS) show exactly how. The state goes from 105 Medicare Advantage plans offered somewhere in Nevada in 2026 to 98 in 2027. Along the way, 21 plans are leaving, 14 are new, 26 are changing in at least one county, and 58 are continuing unchanged.

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Here is what those numbers mean for a Nevadan sitting at the kitchen table with an Annual Notice of Change (ANOC) in hand.

What the statewide numbers mean

CMS publishes a Medicare Advantage Landscape Source File every fall for the coming plan year. By comparing the 2026 file with the 2027 file plan by plan, you can see which plans are leaving, which are new, which are continuing unchanged, and which are changing.

For 2027 in Nevada:

• 105 plans were offered in 2026; 98 are offered in 2027.
• 21 plans are leaving — offered somewhere in Nevada for 2026, nowhere for 2027.
• 14 plans are new for 2027.
• 26 plans are changing — offered both years but different on premium, drug deductible, plan type or plan name in at least one county.
• 58 plans are continuing unchanged.

A plan counts as "changing" in CMS's file if any one of those four items — premium, drug deductible, plan type or plan name — differs in any county it serves. CMS's file does not describe what the change feels like for you; the ANOC your plan mails each fall does. One carrier, Molina Healthcare of Nevada, has no Nevada Medicare Advantage plans listed for 2027.

If your plan is leaving

If your 2026 plan is not being offered anywhere in Nevada for 2027, your carrier is required to send you a non-renewal notice. Two things then matter.

First, the Annual Enrollment Period (AEP) runs October 15 through December 7, 2026. A choice made during AEP takes effect January 1, 2027. That is your first and cleanest chance to pick a new plan.

Second, Medicare gives you a Special Enrollment Period (SEP) when your plan is not renewed. That SEP runs through the end of February 2027, so you have time past the AEP deadline if you need it. You can use the SEP to choose another Medicare Advantage plan or to return to Original Medicare (and consider a stand-alone Part D plan).

If you do nothing and your plan has left Nevada, you will not be automatically moved into a comparable plan by Medicare; you default to Original Medicare without Part D drug coverage. That is why opening the mail from your carrier this fall matters.

If your plan is changing

If your plan is one of the 26 changing for 2027, it is still being offered — but something CMS tracks (premium, drug deductible, plan type or plan name) is different in at least one county. The ANOC your plan sends in September describes what is changing for your specific plan and county. Read it next to your current coverage.

A member who does nothing stays enrolled in a renewing plan and accepts the changes described in the ANOC on January 1, 2027. That can be fine — or it can be a surprise in February. The ANOC is the document that tells you which it will be.

The counties with the most change

Nine of Nevada's 14 counties see at least one plan leave or change for 2027. Counts below are from the CMS Landscape comparison:

• Clark County: 11 leaving, 18 changing
• Washoe County: 12 leaving, 12 changing
• Nye County: 8 leaving, 12 changing
• Carson City: 7 leaving, 6 changing
• Storey County: 6 leaving, 5 changing
• Lyon County: 4 leaving, 5 changing
• Churchill County: 3 leaving, 4 changing
• Douglas County: 3 leaving, 4 changing

A plan can appear in more than one county's totals, because Medicare Advantage plans are offered county by county. The totals above are county-level counts, not a statewide add-up.

What to do before December 7

A simple checklist for Nevada enrollees this fall:

1. Watch the mail in September and October for your plan's ANOC and, if applicable, a non-renewal notice. 2. Compare your 2026 coverage with what the ANOC describes for 2027 — pharmacies, doctors, prescriptions and the four items CMS tracks (premium, drug deductible, plan type, plan name). 3. If your plan is leaving, mark both the December 7, 2026 AEP deadline and your Special Enrollment Period that runs through the end of February 2027. 4. If your plan is changing, decide during AEP whether to stay, switch Medicare Advantage plans, or move to Original Medicare with a Part D plan. 5. If your plan is continuing unchanged, still confirm your doctors, pharmacy and medications for 2027 before AEP ends.

Where to get free help

Three places give Nevadans unbiased help at no cost:

• Medicare.gov — the official Plan Finder lets you enter your ZIP code and medications to see 2027 plan options in your county.
• 1-800-MEDICARE (1-800-633-4227) — available 24/7 for plan questions and enrollment.
• Nevada's State Health Insurance Assistance Program (SHIP) — trained counselors who sit down with you one on one, with no sales pitch and no commission.