Medicare Advantage

Reno Medicare Advantage changes for 2027: plans leaving, new names, and what members should do

People in Reno can choose from 31 Medicare Advantage plans for 2027, against 47 in 2026. Twelve of this year's plans are gone, 7 are new to Washoe County, and 23 that continue have changed their premium, deductible, plan type or name, 11 of them under a new name.

RENO, Nev. — The 2027 Medicare Advantage lineup in Washoe County looks different from 2026. According to the CMS Medicare Advantage Landscape Source Files, 12 plans sold here this year will not return next year, 7 new plans are coming in, and 11 plans are being renamed. Another 12 will continue but with a change to premium, deductible, plan type or name. If you are on one of the plans that is leaving, the clock has already started — and this article walks through what to look for and when.

What's changing in Washoe County for 2027

Reno is in Washoe County, where plan availability is set. Here's the shape of the change, straight from the CMS year-over-year comparison:

• 12 plans leaving after Dec. 31, 2026.
• 7 new plans entering for 2027.
• 11 plans being renamed (same plan, new label).
• 12 continuing plans changing on premium, deductible, plan type or name — the specifics are in each plan's Annual Notice of Change (ANOC).
• 24 plans continuing without those flagged changes.

One carrier is exiting the county: Molina Healthcare of Nevada will not offer a Medicare Advantage plan in Washoe County in 2027. If you are enrolled in its plan today, you will need to choose a new plan or return to Original Medicare.

Plans not returning after 2026

If you're in one of these, you'll get a formal non-renewal letter from your plan. The table below lists every plan; these are the ones ending in this county:

• Aetna Medicare Dual (HMO D-SNP)
• Aetna Medicare Signature (HMO)
• Aetna Medicare Signature Extra (HMO)
• Alignment Health Platinum + Instacart (HMO)
• Alignment Health smartHMO (HMO)
• Wellcare Simple (HMO-POS)
• Champion Select (HMO-POS C-SNP)
• Renown Preferred Plan by Senior Care Plus (HMO)
• Senior Care Plus Essential plan (HMO)
• Senior Care Plus Select Plan (HMO)
• Molina Medicare Complete Care (HMO D-SNP)
• AARP Medicare Advantage from UHC NV-0009 (PPO)

If any of these names match your current card, read the next section carefully.

New plans coming to Washoe County in 2027

These plans will show up on the Medicare Plan Finder for the first time next year:

• Aetna Medicare Full Dual (HMO D-SNP)
• Aetna Medicare Partial Dual (HMO D-SNP)
• Wellcare SilverSummit Healthplan Dual Liberty (HMO-POS D-SNP)
• KP Medicare Value H2960 028 (HMO)
• Prominence Meridian (HMO-POS)
• UHC Dual Complete NV-Q3 (PPO D-SNP)
• UHC Dual Complete NV-S6 (PPO D-SNP)

Several are Dual Eligible Special Needs Plans (D-SNPs), which have their own eligibility rules tied to Medicaid.

Plans that are just being renamed

Eleven plans are keeping their contract but changing their name on your paperwork. That can be confusing when your ANOC arrives, so here is the "was/now" list:

• Alignment Health Duals+ 005 (HMO D-SNP) — was Alignment Health the ONE (HMO D-SNP)
• Alignment Health Heart & Diabetes Plus 006 (HMO C-SNP) — was Alignment Health Heart & Diabetes NVPlus (HMO C-SNP)
• Wellcare SilverSummit Healthplan Dual Access (HMO-POS D-SNP) — was Wellcare Dual Access (HMO-POS D-SNP)
• Humana Essentials Plus Giveback (PPO) — was HumanaChoice Giveback H5216-194 (PPO)
• Humana Total Complete (HMO) — was Humana Gold Plus H6622-075 (HMO)
• Humana Value Choice (PPO) — was HumanaChoice H5216-039 (PPO)
• KP Medicare Duals H2960-024 (HMO D-SNP) — was Senior Care Plus Extensive Duals Plan (HMO D-SNP)
• KP Medicare Liberty H2960-009 (HMO) — was Senior Care Plus Patriot Plan (HMO)
• Prominence Diabetes and Heart (HMO C-SNP) — was Prominence Diabetes and Heart Giveback (HMO C-SNP)
• UHC Dual Complete NV-Q1 (HMO-POS D-SNP) — was UHC Dual Complete NV-S001 (HMO-POS D-SNP)
• UHC Dual Complete NV-Q2 (PPO D-SNP) — was UHC Dual Complete NV-S002 (PPO D-SNP)

A rename alone does not mean your benefits changed — but always read the ANOC to be sure.

What to do if your plan is leaving

1. Watch the mail in late September and October. Every Medicare Advantage plan is required to send an Annual Notice of Change (ANOC) by Sept. 30, and a separate non-renewal notice if the plan is ending.

2. Use the Annual Enrollment Period. From October 15 through December 7, you can switch to any other Medicare Advantage plan available in Washoe County, or move back to Original Medicare and add a stand-alone Part D drug plan.

3. If you don't act by Dec. 7, you have a Special Enrollment Period. When a plan is non-renewed, CMS gives affected members a Special Enrollment Period that runs from Dec. 8 through the end of February 2027 to pick a new Medicare Advantage plan or return to Original Medicare with a Part D plan. You will not be left without coverage — Original Medicare will pick you up on Jan. 1 if you take no action — but if you want a Medicare Advantage plan again, use that window.

4. Check your doctors and prescriptions on the new plan. Networks and drug formularies vary. The Plan Finder at medicare.gov lets you enter your drugs and preferred pharmacy to compare.

5. If a plan is only "changing" (not leaving), still read the ANOC. CMS flags 12 continuing plans in Washoe County as having a change to premium, deductible, plan type or name. The specifics are in your ANOC.

Program-level facts to keep in mind for 2026 and 2027

A few Part D rules that apply no matter which plan you choose:

• The Part D out-of-pocket cap is $2,100 for 2026 and $2,400 for 2027.
• The Part D maximum deductible is $615 in 2026 and $700 in 2027.
• The old coverage gap ("donut hole") was eliminated in 2025 — Part D now has three phases.
• The Medicare Prescription Payment Plan lets you spread drug costs across the calendar year in monthly amounts if you opt in.
• IRMAA surcharges on Part B and Part D begin above $109,000 in income for a single filer in 2026.