Medicare Advantage

Does Your NYC Advantage Plan End December 31, 2026?

New York County has 61 Medicare Advantage plans for 2027. Compared with 2026, 20 plans are not coming back, 6 are new, and 13 continuing plans changed in some way you should check before December 7, 2 of them under a new name. This guide covers what those numbers mean for New York City, not which plan to pick.

New York City — If you have a Medicare Advantage plan in New York City, check your mail this fall. According to the CMS Medicare Advantage Landscape files for 2026 and 2027, 20 plans sold in New York County this year are not being offered again in 2027. New York City sits inside New York County, so these county-level changes apply to city residents enrolled in those plans.

If you are in one of these plans, your insurer is required to send you a non-renewal letter — sometimes called a plan termination notice — this fall. You still have coverage through December 31, 2026. But you need to make a choice for January 1, 2027, and you have a special window to do it.

How to tell if your plan is ending

Insurers are required to send an Annual Notice of Change (ANOC) each fall to every member. If your plan is being discontinued, you will instead receive a non-renewal notice — a separate letter that says your current plan will not be offered in 2027. It will usually arrive by early October.

Open any envelope from your Medicare Advantage insurer. The letter will state the exact end date of your coverage (December 31, 2026), your options, and the deadlines that apply to you. If you have thrown it away or are not sure, call the member services number on the back of your plan ID card, or call 1-800-MEDICARE (TTY 1-877-486-2048).

The 20 plans not returning in New York County for 2027

These are the Medicare Advantage plans offered in New York County in 2026 that are not in CMS's 2027 Landscape file for the county. They are listed alphabetically by carrier. The table below lists every plan in full.

• Aetna (CVS Health): Aetna Medicare Elite (PPO); Aetna Medicare Enhanced (PPO); Aetna Medicare Partial Dual Care (HMO D-SNP)
• Centene (WellCare): Wellcare Assist (HMO-POS); Wellcare Dual Access (HMO D-SNP); Wellcare Dual Access Open (PPO D-SNP); Wellcare Fidelis Dual Liberty Sync (HMO D-SNP); Wellcare Simple (HMO-POS)
• Elderplan: Elderplan Extra Help (HMO-POS); Elderplan Flex (HMO-POS)
• Elevance Health (Anthem): Anthem HealthPlus Full Dual Advantage LTSS (HMO D-SNP); Anthem Veteran (HMO-POS)
• EmblemHealth: EmblemHealth VIP Dual (HMO D-SNP); EmblemHealth VIP Dual Enhanced (HMO D-SNP); EmblemHealth VIP Dual Reserve (HMO D-SNP)
• HealthSpring: HealthSpring True Choice (PPO)
• Humana: Humana Direct Choice Giveback (PPO); Humana Gold Plus Giveback H3533-027 (HMO); Humana Gold Plus SNP-DE H3533-034 (HMO D-SNP)
• UnitedHealthcare: UHC Dual Complete NY-S002 (HMO-POS D-SNP)

For 2027, CMS lists 61 Medicare Advantage plans from 15 carriers in New York County. The table on this page shows the full lineup.

What happens if you do nothing

If your plan is on this list and you make no choice by December 31, 2026, you will not be left without insurance — but you will not stay in a Medicare Advantage plan either. On January 1, 2027, you will be enrolled in Original Medicare (Part A for hospital, Part B for doctor visits).

Two things to know about that default:

• Original Medicare does not include prescription drug coverage. If you want Part D, you have to actively sign up for a stand‑alone drug plan.
• Original Medicare has no annual out-of-pocket cap. Many people pair it with a Medicare Supplement (Medigap) policy to help with cost sharing.

Doing nothing is a decision — just make sure it is the one you want.

Your Special Enrollment Period

Because your plan is being discontinued through no fault of your own, Medicare gives you a Special Enrollment Period (SEP). For members of a non-renewed Medicare Advantage plan, that SEP runs from December 8, 2026 through the end of February 2027 (February 28, 2027). During this window you can:

• Enroll in a different Medicare Advantage plan offered in New York County for 2027, or
• Return to Original Medicare and add a stand‑alone Part D prescription drug plan.

You can also make a change earlier, during the regular Annual Enrollment Period (October 15 – December 7, 2026). A change made then takes effect January 1, 2027.

There is also a program-level Medigap guaranteed-issue right when your Medicare Advantage plan leaves the market. That means insurers must sell you certain Medigap policies without using your health history against you, within a defined window. New York has its own rules on Medigap availability and pricing — for specifics, contact the New York State Department of Financial Services or call 1-800-MEDICARE.

What to look for in 2027

Even if you choose another Medicare Advantage plan, read the ANOC carefully. For 2027, CMS has confirmed:

• The Part D out-of-pocket cap rises to $2,400 (from $2,100 in 2026).
• The Part D maximum deductible rises to $700 (from $615 in 2026).
• The Part D national base beneficiary premium is $41.33 — this is a formula input, not what any plan charges.

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet. CMS typically releases those figures in November.

How to compare plans

Use the official Medicare Plan Finder at medicare.gov to compare plans available at your ZIP code for 2027. You can enter your prescriptions, preferred pharmacies and doctors to see how each plan handles them. You can also call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week.