Medicare Advantage

Is Your Hamilton County Advantage Plan Ending in 2027?

For 2027, Chattanooga is looking at 58 Medicare Advantage plans from 11 carriers: 13 new, 15 gone since 2026, and 12 continuing plans with something changed in their terms, 5 of them under a new name. Below, how the lineup shifted in Hamilton County and what to compare, with no plan ranked or recommended.

CHATTANOOGA — If you have a Medicare Advantage plan in Hamilton County, this fall's mail is worth opening carefully. Federal filings show 15 plans will not return next year, 13 new plans are coming in, and 5 are being renamed for the 2027 plan year. One carrier, Centene (WellCare), will not offer Medicare Advantage plans in Hamilton County next year at all.

That matters because the Annual Enrollment Period — October 15 through December 7 — is when most people can switch. If your plan is ending, you have extra time, but you still need to act.

What's changing in Hamilton County for 2027

Chattanooga is in Hamilton County, where Medicare Advantage plan availability is set by CMS at the county level. Comparing CMS's Medicare Advantage Landscape files for 2026 and 2027, here is the shape of next year's local market:

• 15 plans leaving after 2026
• 13 plans new for 2027
• 5 plans renamed
• 12 plans changing on premium, deductible, plan type or name (specifics are in each plan's ANOC)
• 45 plans continuing without those changes

The full roster of plans offered in the county is in the table on this page.

Which plans are leaving

The plans below will not be offered in Hamilton County in 2027. If you are enrolled in one of them, your coverage under that plan ends December 31, 2026:

• HealthSpring Preferred Savings (HMO) — Blue Cross Blue Shield (HCSC)
• Wellcare Assist (HMO-POS) — Centene (WellCare)
• Wellcare Assist (HMO-POS) — Centene (WellCare)
• Wellcare Dual Access (HMO-POS D-SNP) — Centene (WellCare)
• Wellcare Giveback (HMO-POS) — Centene (WellCare)
• Wellcare Patriot Giveback (HMO-POS) — Centene (WellCare)
• Wellcare Simple (HMO-POS) — Centene (WellCare)
• DEVOTED C-SNP CHOICE PREMIUM 016 TN (PPO C-SNP) — Devoted Health
• DEVOTED CHOICE 007 TN (PPO) — Devoted Health
• Humana Gold Plus H4461-035 (HMO) — Humana
• Humana Gold Plus H4461-040 (HMO) — Humana
• Humana Gold Plus H4461-041 (HMO) — Humana
• Humana Together in Health Select (PPO I-SNP) — Humana
• UHC Dual Complete TN-S001 (HMO-POS D-SNP) — UnitedHealthcare
• UHC Dual Complete TN-Y2 (HMO-POS D-SNP) — UnitedHealthcare

Because Centene (WellCare) is exiting the county, every current WellCare member here will need to make a new choice.

Which plans are new for 2027

These plans will be offered in Hamilton County for the first time next year:

• DEVOTED C-SNP CHOICE ENHANCED 027 TN (PPO C-SNP) — Devoted Health
• DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 032 TN (PPO C-SNP) — Devoted Health
• DEVOTED C-SNP CHOICE PLUS 031 TN (PPO C-SNP) — Devoted Health
• DEVOTED CHOICE 022 TN (PPO) — Devoted Health
• DEVOTED CHOICE GIVEBACK 019 TN (PPO) — Devoted Health
• DEVOTED CHOICE GIVEBACK EXTRAS 041 TN (PPO) — Devoted Health
• Humana Gold Plus H4461-080 (HMO) — Humana
• Humana Gold Plus H4461-081 (HMO) — Humana
• Humana Gold Plus H4461-083 (HMO) — Humana
• Humana Together in Health (PPO I-SNP) — Humana
• AARP Medicare Advantage Extras from UHC TC-7 (HMO-POS) — UnitedHealthcare
• UHC Dual Complete TN-Q1 (HMO-POS D-SNP) — UnitedHealthcare
• UHC Dual Complete TN-Y2 (HMO-POS D-SNP) — UnitedHealthcare

Which plans are just being renamed

A rename can look like a plan is disappearing, but it is the same plan under a new label. In Hamilton County for 2027, five plans have been renamed:

• Aetna Medicare Eagle (PPO) — was Aetna Medicare Eagle Giveback (PPO)
• Wellpoint Dual Advantage Plus (HMO D-SNP) — was Wellpoint Full Dual Advantage (HMO D-SNP)
• Humana Dual QMB Only (HMO D-SNP) — was Humana Gold Plus SNP-DE H4461-038 (HMO D-SNP)
• AARP Medicare Advantage Essentials from UHC TC-2 (HMO-POS) — was AARP Medicare Advantage from UHC TC-0002 (HMO-POS)
• UHC Dual Complete TN-YL (HMO-POS D-SNP) — was UHC Dual Complete TN-Y001 (HMO-POS D-SNP)

If your card arrives with a new plan name but the same carrier, that likely explains it. Your ANOC will confirm.

What to do if your plan is leaving

Carriers must mail a non-renewal notice by early October. If you get one, you have two enrollment windows to use:

• Annual Enrollment Period (Oct. 15 – Dec. 7): Pick any Medicare Advantage plan or Part D plan available in Hamilton County, or return to Original Medicare.
• Special Enrollment Period for plan non-renewal: Runs through the end of February (Feb. 28, 2027) if your plan is not renewed. You can use it to join a new Medicare Advantage plan, a stand-alone Part D plan, or move back to Original Medicare.

If you go back to Original Medicare, you may also want a Medigap policy. Guaranteed-issue rights can apply when your plan leaves the market — worth asking your local SHIP counselor about before you sign anything.

If your plan is continuing, still read the ANOC

For 2027, 12 continuing plans in Hamilton County have a change flagged in CMS's file. The Annual Notice of Change your carrier sends by September 30 is where you'll find the specifics for your plan. Compare it side-by-side with this year's Summary of Benefits before you decide to stay.

A few 2026 program-level facts to keep in mind as you compare:

• Part D out-of-pocket cap: $2,100
• Part D maximum deductible: $615
• The coverage gap ("donut hole") is gone; Part D now has three phases
• The Medicare Prescription Payment Plan lets you spread drug costs across the year
• IRMAA surcharges begin above $109,000 in income for a single filer