Medicare Advantage
Will your HealthSpring plan still be offered in Cincinnati?
Cincinnati, Ohio — Fall 2026. If you have a HealthSpring Medicare Advantage plan in the Cincinnati area, or you are weighing one for next year, the 2027 lineup is now set. HealthSpring will offer three Medicare Advantage plans in Hamilton County for 2027, down from five this year, with two plans not returning and none added. The Annual Enrollment Period runs October 15 through December 7, 2026, and any change you make takes effect January 1, 2027.
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Key takeaways
- HealthSpring will offer 3 Medicare Advantage plans in Hamilton County (where Cincinnati sits) in 2027: 2 HMOs and 1 PPO, all including drug coverage.
- Two HealthSpring plans offered in 2026 are not returning for 2027, and no new HealthSpring plans are being added for 2027.
- If you do nothing by December 7, 2026, your current plan renews on January 1, 2027 — if it is still offered — with the changes listed in your Annual Notice of Change (ANOC).
- Before you decide, check each plan against your doctors and your prescriptions on Medicare.gov or by calling 1-800-MEDICARE.
| Fact | Figure | Source |
|---|---|---|
| Medicare Advantage plans offered in Hamilton County (2026) | 96 | CMS |
| Medicare Advantage plans offered in Hamilton County (2027) | 82 | CMS |
| Plans not returning for 2027 / new for 2027 | 30 / 16 | CMS |
| Organizations offering Medicare Advantage in Hamilton County (2026) | 14 | CMS |
| Share of eligible beneficiaries in Medicare Advantage, Hamilton County | 57% | CMS |
| Residents age 65 and older, Hamilton County | 137,755 | 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.
MyMedicarePlans.org is an independent consumer site and is not affiliated with HealthSpring or any insurance carrier. HealthSpring is one of 14 carriers offering Medicare Advantage plans in Hamilton County next year, which together account for 82 plans.
Which HealthSpring Medicare Advantage plans are offered in Cincinnati for 2027?
In Hamilton County — the county Cincinnati is in — HealthSpring will offer 3 Medicare Advantage plans for 2027: 2 HMOs and 1 PPO. All three include Part D prescription drug coverage. HealthSpring will not offer a Special Needs Plan (D-SNP, C-SNP or I-SNP) in the county next year.
CMS lists these plans under HealthSpring's parent organization, Health Care Service Corporation (HCSC), but they are sold under the HealthSpring name. The table below shows every HealthSpring plan available in the county for 2027, in alphabetical order:
- HealthSpring Preferred (HMO) — HMO, with drug coverage
- HealthSpring Preferred Savings (HMO) — HMO, with drug coverage
- HealthSpring True Choice (PPO) — PPO, with drug coverage
We can tell you what is offered, but not what any plan costs, pays or covers. For premiums, deductibles, copays, provider networks, drug formularies and star ratings, use the Medicare Plan Finder at medicare.gov or call 1-800-MEDICARE.
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 Hamilton County
(MA penetration in Hamilton 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.
What is changing in HealthSpring's Cincinnati lineup from 2026 to 2027?
Two HealthSpring plans offered in Hamilton County in 2026 are not being offered in 2027, no new plans are being added, and the plans that are returning may still change in important ways. Each returning plan will send members an Annual Notice of Change (ANOC) that spells out what is different for 2027 — the drug list, the provider network, the premium, copays, and extra benefits can all shift year to year.
If you are enrolled in a plan that is not returning, HealthSpring will send a non-renewal notice. You then have a Special Enrollment Period to pick a new plan. If you do nothing, you keep Original Medicare but lose the Medicare Advantage coverage and any Part D attached to it, so it pays to act.
What happens if I do nothing by December 7, 2026?
If your HealthSpring plan is being offered again in 2027, you do not have to do anything — your plan renews on January 1, 2027, with the changes in the ANOC. If your plan is one of the two not returning, your coverage ends December 31, 2026, and you will need to choose another plan.
Even if your plan is renewing, it is worth a quick check. The pharmacy you use may be out of network next year, a drug you take may move to a different tier, or your doctor may no longer participate. These are the kinds of changes an ANOC flags, and the kinds of changes the Plan Finder lets you compare side by side.
How do I check a HealthSpring plan against my doctors and prescriptions before December 7?
Use medicare.gov's Plan Finder: enter your ZIP code, add your prescriptions and your pharmacy, and the tool will show which plans cover your drugs and at what tier. For doctors and hospitals, check the plan's online provider directory, or call HealthSpring's member services number (listed on medicare.gov and on your plan materials) and ask whether your specific providers are in network for 2027.
A simple checklist for the Cincinnati area:
- Read the ANOC your plan mailed in September.
- List your current medications, dosages and pharmacy.
- List the doctors and hospitals you want to keep.
- Compare the 2027 version of your plan against other options on medicare.gov.
- Decide and enroll by December 7, 2026, if you want a change effective January 1, 2027.
If you miss December 7 and you are already on a Medicare Advantage plan, you still have the Medicare Advantage Open Enrollment Period from January 1 to March 31, 2027, to switch to another MA plan or go back to Original Medicare once.
What 2027 Medicare numbers do I need to know?
A few program-wide Part D figures for 2027 are confirmed and apply no matter which plan you choose:
- Part D out-of-pocket cap: $2,400 in 2027 (up from $2,100 in 2026).
- Part D maximum deductible: $700 in 2027 (up from $615 in 2026).
- Part D national base beneficiary premium for 2027: $41.33 (this is a formula input, not what any specific plan charges).
The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet. CMS typically publishes them in the fall, usually in November. We will not estimate them here.
The coverage gap (the old "donut hole") is gone as of 2025, so Part D now has three phases: deductible, initial coverage, and catastrophic. Once you hit the out-of-pocket cap, you pay $0 for covered Part D drugs the rest of the year. If big monthly drug bills are a problem, ask about the Medicare Prescription Payment Plan, which spreads your out-of-pocket drug costs across the year.
2027 plan lineup
HealthSpring Medicare Advantage plans in Hamilton County for 2027
CMS lists 3 HealthSpring Medicare Advantage plans in Hamilton County for 2027, alphabetically by carrier. 13 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| HealthSpring 3 plans | |||
| HealthSpring Preferred (HMO) | HMO | Yes | Returning |
| HealthSpring Preferred Savings (HMO) | HMO | 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 Hamilton 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 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.
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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
Is HealthSpring the only Medicare Advantage carrier in Hamilton County for 2027?
Does HealthSpring offer a D-SNP in Cincinnati for 2027?
My HealthSpring plan is not on the 2027 list. What are my options?
Where can I get help comparing plans without being sold to?
- 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 Cincinnati
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 Files (CY2026 and CY2027): HealthSpring's plan counts and plan names in Hamilton County, year-over-year changes, and the total number of carriers and plans in the county.
- CMS — 2027 Part D parameters: the out-of-pocket cap, maximum deductible and national base beneficiary premium.
- Medicare.gov — enrollment periods, Plan Finder, and plan-specific details (premiums, copays, formularies, networks, star ratings).
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.