Medicare Advantage
HealthSpring's 2027 Medicare Advantage lineup in Winston-Salem: one plan added, two gone
Winston-Salem, N.C. — Fall 2026. As Annual Enrollment 2027 opens, HealthSpring is bringing seven Medicare Advantage plans to Forsyth County next year, with one new plan on the shelf, two that will not return, and the rest renewing with the usual year-over-year tweaks spelled out in each plan's Annual Notice of Change.
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Key takeaways
- HealthSpring will offer 7 Medicare Advantage plans in Forsyth County for 2027: 6 HMOs and 1 PPO.
- One plan is new for 2027 (a C-SNP), and 2 plans from the 2026 lineup are not returning; the full list is in the table below.
- Annual Enrollment runs October 15 through December 7, 2026, and any change you make takes effect January 1, 2027.
- Check your doctors and prescriptions against any plan on medicare.gov's Plan Finder before you enroll — this site is independent and is not HealthSpring.
| Fact | Figure | Source |
|---|---|---|
| Medicare Advantage plans offered in Forsyth County (2026) | 99 | CMS |
| Medicare Advantage plans offered in Forsyth County (2027) | 97 | CMS |
| Plans not returning for 2027 / new for 2027 | 15 / 13 | CMS |
| Organizations offering Medicare Advantage in Forsyth County (2026) | 13 | CMS |
| Share of eligible beneficiaries in Medicare Advantage, Forsyth County | 70% | CMS |
| Residents age 65 and older, Forsyth County | 66,134 | U.S. Census Bureau |
| 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 you already have a HealthSpring plan in Winston-Salem, nothing happens automatically on your end — if your plan is offered again in 2027, it renews on January 1. But because the roster is shifting a little, this is a good year to open the ANOC envelope and compare before the December 7 deadline.
What HealthSpring Medicare Advantage plans are available in Winston-Salem for 2027?
In Forsyth County — the county Winston-Salem sits in — HealthSpring is offering 7 Medicare Advantage plans for 2027. Six are HMOs and one is a PPO. Six of the seven include Part D prescription drug coverage; one HMO is offered without drug coverage.
The full roster, in alphabetical order, is in the table below on this page. It includes HealthSpring Achieve (HMO C-SNP), HealthSpring Courage (HMO), HealthSpring Preferred (HMO), HealthSpring Preferred Savings (HMO), HealthSpring TotalCare (HMO D-SNP), HealthSpring TotalCare Plus (HMO D-SNP), and HealthSpring True Choice (PPO). CMS lists these under HealthSpring's parent organization, Health Care Service Corporation (HCSC); they are sold under the HealthSpring name.
For context, 12 other carriers are also offering Medicare Advantage plans in Forsyth County next year, for a county total of 97 plans across all carriers. MyMedicarePlans.org is an independent consumer site and is not HealthSpring or any other insurer.
What is new or not returning in HealthSpring's 2027 lineup?
One plan is new for 2027: HealthSpring Achieve (HMO C-SNP). A C-SNP is a Chronic Condition Special Needs Plan — a Medicare Advantage plan built around people living with a specific qualifying condition. You have to meet the eligibility rules for the condition the plan serves to join.
Two HealthSpring plans from the 2026 lineup are not returning in Forsyth County for 2027. If you are enrolled in one of them, HealthSpring is required to send you a non-renewal notice explaining your options and the special enrollment rights that come with it. The remaining plans renew with the changes described in each plan's Annual Notice of Change, which members should receive by late September.
How do HealthSpring's Special Needs Plans work in Forsyth County?
HealthSpring is offering 3 Special Needs Plans in Forsyth County for 2027: 2 Dual Eligible SNPs (HealthSpring TotalCare and HealthSpring TotalCare Plus) and 1 Chronic Condition SNP (HealthSpring Achieve). All three include Part D drug coverage.
A D-SNP is for people who have both Medicare and Medicaid. A C-SNP is for people with a qualifying chronic condition. You cannot enroll in either one unless you meet the eligibility rules, and you may need to show proof. Medicare.gov and 1-800-MEDICARE can confirm whether you qualify before you apply.
How do I check a HealthSpring plan against my doctors and prescriptions?
Before you enroll in or stay in any Medicare Advantage plan, run it through the Medicare Plan Finder at medicare.gov. The tool lets you enter your ZIP code, add your current prescriptions by name and dose, and compare how each plan would cover them — including which pharmacies are considered preferred.
To check doctors and hospitals, use HealthSpring's own online provider directory for the specific plan you are considering, or call the number on the plan's materials. Networks can be different for HMOs and PPOs, and a provider who takes one HealthSpring plan may not take another. If you prefer to talk to a person, 1-800-MEDICARE (TTY 1-877-486-2048) is open 24 hours a day, 7 days a week.
The plan's Evidence of Coverage is the binding document for what is and is not covered.
What else should Winston-Salem readers know about 2027?
A few program-wide numbers are already set for 2027. The Part D out-of-pocket cap rises to $2,400 (up from $2,100 in 2026). The Part D maximum deductible rises to $700 (up from $615 in 2026). The Part D national base beneficiary premium is $41.33 for 2027 — that is a formula input CMS uses, not what any particular plan charges.
A few 2027 figures have not been announced yet. The standard Part B premium and deductible, and the IRMAA income brackets and surcharges, are usually released by CMS in the fall — typically November. Those apply to Original Medicare and to the Part B premium everyone with Medicare pays, no matter which Advantage plan they pick.
Annual Enrollment runs October 15 through December 7, 2026. If you do nothing and your current plan is offered again in 2027, it renews January 1 with the changes in your ANOC. If your plan is one of the two HealthSpring plans not returning, read the non-renewal notice carefully — it explains your options.
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.
By the numbers
How people get Medicare in Forsyth County
(MA penetration in Forsyth County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
2027 plan lineup
HealthSpring Medicare Advantage plans in Forsyth County for 2027
CMS lists 7 HealthSpring Medicare Advantage plans in Forsyth County for 2027, alphabetically by carrier. 12 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| HealthSpring 7 plans | |||
| HealthSpring Achieve (HMO C-SNP) | HMO C-SNP | Yes | New |
| HealthSpring Courage (HMO) | HMO | No | Returning |
| HealthSpring Preferred (HMO) | HMO | Yes | Returning |
| HealthSpring Preferred Savings (HMO) | HMO | Yes | Returning |
| HealthSpring TotalCare (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| HealthSpring TotalCare Plus (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| HealthSpring True Choice (PPO) | PPO | Yes | Returning |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. 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
How HealthSpring Medicare Advantage plans in Forsyth County break down for 2027
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. Plan availability is set at the county level. 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 Period (Open Enrollment)Anyone 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
Do I have to do anything if I want to keep my HealthSpring plan in 2027?
What happens if my HealthSpring plan is one of the two not returning in Forsyth County?
Can I join HealthSpring Achieve, the new C-SNP, during Annual Enrollment?
Where can I compare HealthSpring plans against other carriers in Winston-Salem?
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.
Also for Winston-Salem
Sources and methodology
- CMS, Medicare Advantage and Part D Landscape Source Files
- CMS, Medicare Advantage state/county penetration and enrollment files
- U.S. Census Bureau, American Community Survey (table B01001, age 65 and older)
- 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
Figures cited in this article
- CMS — Medicare Advantage Landscape Source File (plan year 2027): HealthSpring plan counts and plan names for Forsyth County, SNP counts, drug-coverage counts, and the county-wide totals for all carriers.
- CMS — Medicare Advantage Landscape Source Files (plan years 2026 and 2027): the year-over-year comparison identifying one new plan and two plans not returning.
- CMS — 2027 Part D parameters: the $2,400 out-of-pocket cap, $700 maximum deductible, and $41.33 national base beneficiary premium.
- Medicare.gov: the Annual Enrollment Period dates and the Plan Finder tool for checking doctors and prescriptions.
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.