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HomeMedicare AdvantageTennesseeMemphisMemphis Medicare Advantage in 2027: 12 new plans, 11 leaving, one carrier exiting

Medicare Advantage

Memphis Medicare Advantage in 2027: 12 new plans, 11 leaving, one carrier exiting

For 2027, Memphis is looking at 74 Medicare Advantage plans: 12 new, 11 gone since 2026, and 30 still here but changed on premium, deductible, plan type or name, 7 of them under a new name. Below, how the lineup shifted in Shelby County and what to compare, with no plan ranked or recommended.

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2027 plan lineupMemphis, TN
Video: Eaktas06 Video by Eaktas06 on Pixabay

Key takeaways

  • Shelby County, where Memphis sits, has 73 Medicare Advantage plans from 12 carriers listed for 2027, including 29 Special Needs Plans.
  • Eleven plans are leaving after 2026 and 12 are new for 2027; Centene (WellCare) will not offer plans in the county next year.
  • If your plan is not being renewed, you qualify for a Special Enrollment Period that runs through the end of February 2027.
  • The Annual Enrollment Period ends December 7, 2026; if you do nothing and your plan is offered next year, it renews with the changes in your Annual Notice of Change.

MEMPHIS — Fall 2026. The 2027 Medicare Advantage lineup for Shelby County is set, and it looks different from this year's. Twelve plans are new, eleven are not coming back, and one carrier — Centene (WellCare) — will not offer Medicare Advantage plans in the county next year. Open enrollment runs October 15 through December 7, 2026, and any choice you make now takes effect January 1, 2027.

If you live in or near Memphis, here is what the data from CMS actually shows for the coming plan year — the carriers coming back, the plans leaving, the ones that are new, and what to do if your current plan is among those not returning.

The 2027 Memphis lineup at a glance

Medicare plan availability is set by county. Memphis is in Shelby County, where CMS lists 73 Medicare Advantage plans from 12 carriers for 2027. By plan type, that breaks down to 29 HMO plans, 19 HMO-POS plans and 25 PPO plans. All 73 include Part D drug coverage, and 29 are Special Needs Plans (SNPs) built for people with specific needs — such as those who also have Medicaid, who live with certain chronic conditions, or who live in a long-term care facility.

The 12 carriers offering plans in the county for 2027 are Abilis Health, Aetna (CVS Health), American Health Advantage of Tennessee, Blue Cross Blue Shield (HCSC), BlueCare Plus Tennessee, BlueCross BlueShield of Tennessee, Devoted Health, Elevance Health (Anthem), Humana, UnitedHealthcare and Zing Health. Humana has the largest lineup in the county with 13 plans, followed by UnitedHealthcare with 10. The table below lists every plan.

What's new for 2027

Twelve plans are new to the Shelby County market this coming year. Most of the growth is on the PPO side, with Devoted Health adding several Chronic Condition SNPs and standard PPO options, and BlueCross BlueShield of Tennessee adding a new PPO. Humana is reintroducing an institutional SNP, and UnitedHealthcare and Zing Health are each adding plans as well.

The new plans for 2027 are:

A new plan being available in your county is not a recommendation — it's just a new option you may want to look at in the Medicare Plan Finder.

What's not returning

Eleven plans are leaving the Shelby County market after 2026. The biggest change is Centene (WellCare), which will not offer any Medicare Advantage plans in the county next year. That means every current WellCare member in Memphis will need to choose another plan or move to Original Medicare for 2027.

Plans leaving after 2026:

If your plan is not being renewed

When a Medicare Advantage plan is non-renewed, Medicare gives those members a Special Enrollment Period that runs from December 8, 2026 through the end of February 2027. During that window you can join a different Medicare Advantage plan or return to Original Medicare and add a stand-alone Part D drug plan.

Your insurer is required to send a non-renewal notice before the end of 2026. If you believe your plan is leaving and have not received anything by early November, call the number on your member ID card or 1-800-MEDICARE.

A few points worth keeping in mind:

Renamed plans and other changes

Seven plans in the county have been renamed for 2027. The plan itself is continuing, but the name on your card or in Plan Finder will look different:

Beyond the renames, 23 continuing plans have a change on premium, deductible, plan type or name for 2027. Your plan's Annual Notice of Change (ANOC), mailed in September, lays out exactly what is different; it is the single most useful document to read before you decide whether to keep your current plan.

The program-level numbers for 2027

A few figures apply to every Part D and Medicare Advantage plan with drug coverage in the country, including those sold in Memphis:

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.

$0$50$100$150$200200820122016202020242026

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 Shelby County

48% are on Medicare Advantage
(MA penetration in Shelby County)
48%
52%
Medicare Advantage Medicare Supplement (Medigap) Original Medicare only
U.S. average

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.

Plan availability

Medicare Advantage plans available in Shelby County for 2026

Memphis is in Shelby County. CMS lists 73 Medicare Advantage plans from 12 carriers there for 2026, shown alphabetically by carrier. This is availability, not a comparison: premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.

PlanTypeDrug coverageStatus
Abilis Health (HMO SNP) 2 plans
Abilis Health (HMO I-SNP)HMO I-SNPYesOffered
Abilis Health Community (HMO I-SNP)HMO I-SNPYesOffered
Aetna (CVS Health) 5 plans
Aetna Medicare Eagle (PPO)PPOYesRenamed for 2027
Aetna Medicare Enhanced (HMO)HMOYesNot offered for 2027
Aetna Medicare Signature (PPO)PPOYesRenamed for 2027
Aetna Medicare Signature Extra (PPO)PPOYesRenamed for 2027
Aetna Medicare Value Plus (HMO)HMOYesOffered
American Health Advantage of Tennessee 1 plan
American Health Advantage of Tennessee (HMO I-SNP)HMO I-SNPYesOffered
Blue Cross Blue Shield (HCSC) 7 plans
HealthSpring Courage (HMO)HMOYesOffered
HealthSpring Preferred (HMO)HMOYesOffered
HealthSpring Preferred Savings (HMO)HMOYesOffered
HealthSpring Premier (HMO-POS)HMO-POSYesOffered
HealthSpring Primary (HMO)HMOYesOffered
HealthSpring TotalCare Plus (HMO D-SNP)HMO D-SNPYesOffered
HealthSpring True Choice (PPO)PPOYesOffered
BlueCare Plus Tennessee 3 plans
BlueCare Plus (HMO D-SNP)HMO D-SNPYesOffered
BlueCare Plus Choice (HMO D-SNP)HMO D-SNPYesOffered
BlueCare Plus Select (HMO D-SNP)HMO D-SNPYesOffered
BlueCross BlueShield of Tennessee 7 plans
BlueAdvantage Diamond (PPO)PPOYesOffered
BlueAdvantage Extra (PPO)PPOYesOffered
BlueAdvantage Freedom (PPO)PPOYesOffered
BlueAdvantage Garnet (PPO)PPOYesOffered
BlueAdvantage Ruby (PPO)PPOYesOffered
BlueAdvantage Total Heart and Diabetes (PPO C-SNP)PPO C-SNPYesOffered
BlueAdvantage Total Heart and Diabetes Plus (PPO C-SNP)PPO C-SNPYesOffered
Centene (WellCare) 6 plans
Wellcare Assist (HMO-POS)HMO-POSYesNot offered for 2027
Wellcare Assist (HMO-POS)HMO-POSYesNot offered for 2027
Wellcare Dual Access (HMO-POS D-SNP)HMO-POS D-SNPYesNot offered for 2027
Wellcare Giveback (HMO-POS)HMO-POSYesNot offered for 2027
Wellcare Patriot Giveback (HMO-POS)HMO-POSYesNot offered for 2027
Wellcare Simple (HMO-POS)HMO-POSYesNot offered for 2027
Devoted Health 6 plans
DEVOTED C-SNP CHOICE PLUS 020 TN (PPO C-SNP)PPO C-SNPYesOffered
DEVOTED C-SNP ENHANCED 016 TN (HMO C-SNP)HMO C-SNPYesRenamed for 2027
DEVOTED CHOICE 011 TN (PPO)PPOYesNot offered for 2027
DEVOTED CHOICE GIVEBACK 012 TN (PPO)PPOYesOffered
DEVOTED CORE 004 TN (HMO)HMOYesOffered
DEVOTED GIVEBACK 005 TN (HMO)HMOYesOffered
Elevance Health (Anthem) 6 plans
Wellpoint Dual Advantage Plus (HMO D-SNP)HMO D-SNPYesRenamed for 2027
Wellpoint Extra Help (HMO-POS)HMO-POSYesOffered
Wellpoint Full Dual Advantage 2 (HMO D-SNP)HMO D-SNPYesOffered
Wellpoint Full Dual Advantage Support (HMO D-SNP)HMO D-SNPYesOffered
Wellpoint Medicare Advantage (HMO-POS)HMO-POSYesOffered
Wellpoint Medicare Advantage 2 (HMO-POS)HMO-POSYesOffered
Humana 13 plans
Humana Dual QMB Only (HMO D-SNP)HMO D-SNPYesRenamed for 2027
Humana Gold Plus - Diabetes and Heart (HMO C-SNP)HMO C-SNPYesOffered
Humana Gold Plus H4461-025 (HMO)HMOYesOffered
Humana Gold Plus SNP-DE H4461-022 (HMO D-SNP)HMO D-SNPYesOffered
Humana Together in Health (PPO I-SNP)PPO I-SNPYesOffered
Humana Together in Health Select (PPO I-SNP)PPO I-SNPYesNot offered for 2027
Humana USAA Honor Giveback (HMO)HMOYesOffered
Humana USAA Honor Giveback (PPO)PPOYesOffered
Humana Value Plus H5216-180 (PPO)PPOYesOffered
Humana Value Plus H7617-088 (PPO)PPOYesOffered
HumanaChoice H5216-097 (PPO)PPOYesOffered
HumanaChoice R0110-017 (Regional PPO)PPOYesOffered
HumanaChoice R0110-018 (Regional PPO)PPOYesOffered
UnitedHealthcare 10 plans
AARP Medicare Advantage from UHC TN-0002 (PPO)PPOYesOffered
AARP Medicare Advantage from UHC TN-0003 (HMO-POS)HMO-POSYesOffered
AARP Medicare Advantage from UHC TN-0004 (HMO-POS)HMO-POSYesOffered
AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS)HMO-POSYesOffered
AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS)HMO-POSYesOffered
UHC Complete Care Support TC-6 (HMO-POS C-SNP)HMO-POS C-SNPYesOffered
UHC Complete Care TC-0005 (HMO-POS C-SNP)HMO-POS C-SNPYesOffered
UHC Dual Complete TN-S001 (HMO-POS D-SNP)HMO-POS D-SNPYesNot offered for 2027
UHC Dual Complete TN-Y2 (HMO-POS D-SNP)HMO-POS D-SNPYesNot offered for 2027
UHC Dual Complete TN-YL (HMO-POS D-SNP)HMO-POS D-SNPYesRenamed for 2027
Zing Health 7 plans
Zing Elite Diabetes & Heart TN-MS (HMO C-SNP)HMO C-SNPYesOffered
Zing Elite Select TN-MS (HMO)HMOYesOffered
Zing Open Choice Diabetes & Heart TN (PPO C-SNP)PPO C-SNPYesOffered
Zing Open Choice TN (PPO)PPOYesOffered
Zing Select Care TN-MS (HMO)HMOYesOffered
Zing Select Diabetes & Heart TN-MS (HMO C-SNP)HMO C-SNPYesOffered
Zing Select Dialysis TN-MS (HMO C-SNP)HMO C-SNPYesOffered

New for 2027 (not offered for 2026)

PlanCarrierTypeDrug coverage
BlueAdvantage Emerald (PPO)BlueCross BlueShield of TennesseePPOYes
DEVOTED C-SNP CHOICE ENHANCED 037 TN (PPO C-SNP)Devoted HealthPPO C-SNPYes
DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 036 TN (PPO C-SNP)Devoted HealthPPO C-SNPYes
DEVOTED C-SNP CHOICE PLUS 031 TN (PPO C-SNP)Devoted HealthPPO C-SNPYes
DEVOTED CHOICE 024 TN (PPO)Devoted HealthPPOYes
DEVOTED CHOICE GIVEBACK 025 TN (PPO)Devoted HealthPPOYes
DEVOTED CHOICE GIVEBACK EXTRAS 044 TN (PPO)Devoted HealthPPOYes
Humana Together in Health (PPO I-SNP)HumanaPPO I-SNPYes
AARP Medicare Advantage Direct Plus from UHC TN-8 (HMO-POS)UnitedHealthcareHMO-POSYes
UHC Dual Complete TN-Q1 (HMO-POS D-SNP)UnitedHealthcareHMO-POS D-SNPYes
UHC Dual Complete TN-Y2 (HMO-POS D-SNP)UnitedHealthcareHMO-POS D-SNPYes
Zing Elite Essentials Diabetes & Heart TN-MS (HMO C-SNP)Zing HealthHMO C-SNPYes

Source: CMS Medicare Advantage Landscape Source File, plan year 2026 and 2027. Plan availability is set at the county level.

What changes next year

Medicare Advantage plans leaving or changing in Shelby County for 2027

Memphis is in Shelby County. Comparing CMS’s 2026 and 2027 Landscape files for the county:

11
Not offered for 2027
12
New for 2027
7
Renamed
23
Changing (see your ANOC)
55
Continuing

Plans not offered in Shelby County for 2027

PlanCarrierType
Aetna Medicare Enhanced (HMO)Aetna (CVS Health)HMO
Wellcare Assist (HMO-POS)Centene (WellCare)HMO-POS
Wellcare Assist (HMO-POS)Centene (WellCare)HMO-POS
Wellcare Dual Access (HMO-POS D-SNP)Centene (WellCare)HMO-POS D-SNP
Wellcare Giveback (HMO-POS)Centene (WellCare)HMO-POS
Wellcare Patriot Giveback (HMO-POS)Centene (WellCare)HMO-POS
Wellcare Simple (HMO-POS)Centene (WellCare)HMO-POS
DEVOTED CHOICE 011 TN (PPO)Devoted HealthPPO
Humana Together in Health Select (PPO I-SNP)HumanaPPO I-SNP
UHC Dual Complete TN-S001 (HMO-POS D-SNP)UnitedHealthcareHMO-POS D-SNP
UHC Dual Complete TN-Y2 (HMO-POS D-SNP)UnitedHealthcareHMO-POS D-SNP

Plans new to Shelby County for 2027

PlanCarrierType
BlueAdvantage Emerald (PPO)BlueCross BlueShield of TennesseePPO
DEVOTED C-SNP CHOICE ENHANCED 037 TN (PPO C-SNP)Devoted HealthPPO C-SNP
DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 036 TN (PPO C-SNP)Devoted HealthPPO C-SNP
DEVOTED C-SNP CHOICE PLUS 031 TN (PPO C-SNP)Devoted HealthPPO C-SNP
DEVOTED CHOICE 024 TN (PPO)Devoted HealthPPO
DEVOTED CHOICE GIVEBACK 025 TN (PPO)Devoted HealthPPO
DEVOTED CHOICE GIVEBACK EXTRAS 044 TN (PPO)Devoted HealthPPO
Humana Together in Health (PPO I-SNP)HumanaPPO I-SNP
AARP Medicare Advantage Direct Plus from UHC TN-8 (HMO-POS)UnitedHealthcareHMO-POS
UHC Dual Complete TN-Q1 (HMO-POS D-SNP)UnitedHealthcareHMO-POS D-SNP
UHC Dual Complete TN-Y2 (HMO-POS D-SNP)UnitedHealthcareHMO-POS D-SNP
Zing Elite Essentials Diabetes & Heart TN-MS (HMO C-SNP)Zing HealthHMO C-SNP

Plans continuing under a new name

PlanCarrierType
Aetna Medicare Eagle (PPO) (was Aetna Medicare Eagle Giveback (PPO))Aetna (CVS Health)PPO
Aetna Medicare Signature (PPO) (was Aetna Medicare Signature Care (PPO))Aetna (CVS Health)PPO
Aetna Medicare Signature Extra (PPO) (was Aetna Medicare Enhanced (PPO))Aetna (CVS Health)PPO
DEVOTED C-SNP ENHANCED 016 TN (HMO C-SNP) (was DEVOTED C-SNP PREMIUM 016 TN (HMO C-SNP))Devoted HealthHMO C-SNP
Wellpoint Dual Advantage Plus (HMO D-SNP) (was Wellpoint Full Dual Advantage (HMO D-SNP))Elevance Health (Anthem)HMO D-SNP
Humana Dual QMB Only (HMO D-SNP) (was Humana Gold Plus SNP-DE H4461-038 (HMO D-SNP))HumanaHMO D-SNP
UHC Dual Complete TN-YL (HMO-POS D-SNP) (was UHC Dual Complete TN-Y001 (HMO-POS D-SNP))UnitedHealthcareHMO-POS D-SNP

Carriers with no plans in Shelby County for 2027: Centene (WellCare)

“Changing” means the plan’s 2027 record differs from 2026 on premium, drug deductible, plan type or name; the details are in the Annual Notice of Change your plan mails by September 30. If your plan is not offered for 2027, you can choose another during the Annual Enrollment Period (October 15 to December 7) and you also get a Special Enrollment Period that runs through the end of February. Source: CMS MA Landscape Source Files. No plan is ranked or recommended.

The choices, by type

How the Medicare Advantage choices in Memphis break down for 2026

73
Medicare Advantage plans
12
Carriers offering them
29
HMO plans
19
HMO-POS plans
25
PPO plans
29
Special Needs Plans
73
Include drug coverage

Carriers offering plans in Shelby County, alphabetically, with the number of plans each offers:

  • Abilis Health (HMO SNP) 2 plans
  • Aetna (CVS Health) 5 plans
  • American Health Advantage of Tennessee 1 plan
  • Blue Cross Blue Shield (HCSC) 7 plans
  • BlueCare Plus Tennessee 3 plans
  • BlueCross BlueShield of Tennessee 7 plans
  • Centene (WellCare) 6 plans
  • Devoted Health 6 plans
  • Elevance Health (Anthem) 6 plans
  • Humana 13 plans
  • UnitedHealthcare 10 plans
  • Zing Health 7 plans

HMO plans use a network and usually a primary-care doctor; HMO-POS plans add some out-of-network coverage; PPO plans 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 who are dual-eligible (D-SNP), have certain conditions (C-SNP) or live in an institution (I-SNP). Source: CMS Landscape Source File. No plan is ranked or recommended here.

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Medicare Advantage companies in Shelby County

By local enrollment size · informational, not a ranking
CompanyLocal enrollmentPlans offeredLocal agentsAction
HumanaNational—Yes
UnitedHealthcareNational—Yes
Bluecross Blueshield of TennesseeRegional—Yes
Blue Cross Blue Shield (HCSC)Regional—Yes
Elevance Health (Anthem)National—Yes
Devoted Health IncRegional—Yes
Enrollment data: CMS Medicare Advantage enrollment by company (county level). Listed by enrollment size, largest first — this is not a ranking, recommendation, or endorsement of any company or plan.

Provided by licensed insurance partners; MyMedicarePlans.org may be compensated. Not a ranking or endorsement of any plan.

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When can you enroll? An interactive year

JFMAMJJASOND
October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

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

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.
Sources & further reading
  • 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 Memphis

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This page was last updated: October 2026.

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