Medicare Advantage
If your El Paso Medicare Advantage plan is bowing out for 2027, here is your playbook
El Paso County has 89 Medicare Advantage plans for 2027. Compared with 2026, 18 plans are not coming back, 16 are new, and 48 continuing plans changed in some way you should check before December 7, 19 of them under a new name. This guide covers what those numbers mean for El Paso, not which plan to pick.
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Medicare Advantage plans in your area are changing or leaving for 2027.
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Key takeaways
- Eighteen Medicare Advantage plans offered in El Paso County in 2026 are not returning in 2027; the full list of plans and carriers is in the table below.
- Your plan must mail you a non-renewal notice (often called a plan termination letter) before the end of 2026 — if you did not get one, your plan is likely continuing with the changes in its Annual Notice of Change.
- If you do nothing, you will be moved to Original Medicare on Jan. 1, 2027, without a Part D drug plan attached.
- Losing your plan opens a Special Enrollment Period that runs through Feb. 28, 2027, plus a guaranteed-issue right to buy certain Medigap policies.
EL PASO — This fall, 18 Medicare Advantage plans sold in El Paso County for 2026 are not on the CMS list for 2027. If you are enrolled in one of them, your insurer is required to send you a non-renewal letter — and you have more time and more options than the Dec. 7 deadline suggests.
What is actually happening in El Paso County
El Paso is in El Paso County, where CMS's 2027 Medicare Advantage Landscape file shows 89 plans from 12 carriers — down from 91 plans in 2026. Behind that small net change: 18 plans are not returning, 16 are brand new, and 19 are being renamed (the Annual Notice of Change your plan mails each fall spells out any rename or benefit shift).
Non-renewal is routine. Carriers reshape their lineups every year — consolidating two plans into one, pulling a product type out of a county, or restructuring a Special Needs Plan. It does not mean your coverage ends mid-year. Your current plan still works through Dec. 31, 2026.
The 18 El Paso County plans not returning for 2027
The table below lists every non-returning plan by carrier. Four carriers are trimming their 2026 lineups in El Paso County:
- Blue Cross Blue Shield (HCSC): Blue Cross Medicare Advantage Balance (PPO); Blue Cross Medicare Advantage Basic (HMO); Blue Cross Medicare Advantage Core (HMO); Blue Cross Medicare Advantage Dual Care Plus (HMO D-SNP); Blue Cross Medicare Advantage Optimum (PPO); Blue Cross Medicare Advantage Preferred (PPO).
- Centene (WellCare): Wellcare Assist (HMO); Wellcare Dual Liberty (HMO D-SNP); Wellcare Giveback (HMO); Wellcare Simple Open (PPO).
- Elevance Health (Anthem): Wellpoint Dual Advantage (HMO D-SNP); Wellpoint Dual Advantage 2 (HMO D-SNP); Wellpoint Full Dual Advantage (HMO D-SNP).
- Humana: Humana Gold Choice H8145-084 (PFFS); Humana USAA Honor Giveback (PPO); HumanaChoice H5216-353 (PPO).
- UnitedHealthcare: UHC Complete Care Support TX-1A (Regional PPO C-SNP); UHC Dual Complete TX-S4 (HMO-POS D-SNP).
If your plan is on this list, keep reading. If it is not, your plan is continuing for 2027 — read the Annual Notice of Change (ANOC) it mails you so you can compare the 2027 version with what you have now.
How to tell: look for the non-renewal letter
Medicare rules require your Advantage plan to notify you in writing when the plan will not be offered next year. The letter typically arrives by early October and clearly states that your current plan ends on Dec. 31, 2026, and that you will need to make a choice for 2027.
What to check on your copy:
- The plan name and contract/plan number (compare to the list above and to your member ID card).
- The sentence that says the plan is terminating, not renewing, or being consolidated.
- The explanation of your Special Enrollment Period.
If you cannot find the letter, call the member services number on the back of your card or Medicare directly at 1-800-MEDICARE (TTY 1-877-486-2048). They can confirm whether your plan is ending.
What happens if you do nothing
A non-renewed Medicare Advantage plan does not auto-roll into a replacement. On Jan. 1, 2027, you will be returned to Original Medicare (Part A and Part B) without a Part D drug plan.
That means:
- Hospital and medical coverage continues through Original Medicare.
- You will have no prescription drug coverage unless you add a stand-alone Part D plan — and going without creditable drug coverage can create a late-enrollment penalty later.
- The extras an Advantage plan may have provided (routine dental, vision, hearing, over-the-counter allowances) will not carry over.
Doing nothing is a valid choice for some people, but it is a choice — not a safety net. Make it on purpose.
Your choices and your Special Enrollment Period
When CMS allows a plan to leave an area, affected members get an extended enrollment window beyond the regular Annual Enrollment Period (Oct. 15 – Dec. 7, 2026). Your options:
1. Pick a different Medicare Advantage plan for 2027 during AEP (effective Jan. 1, 2027). El Paso County will have 89 plans from 12 carriers for 2027; use the Medicare Plan Finder at medicare.gov to compare by doctor, drug and pharmacy. 2. Use the plan-termination Special Enrollment Period, which runs from Dec. 8, 2026 through Feb. 28, 2027. You can switch to another Advantage plan or move to Original Medicare and add a stand-alone Part D plan during this window. 3. Switch to Original Medicare plus a Medigap (Medicare Supplement) policy and a Part D plan. When your Advantage plan is non-renewed, federal law gives you a guaranteed-issue right to buy certain Medigap policies without medical underwriting, within a defined window around the loss of coverage. Texas rules on which Medigap plans qualify and the exact timing are handled by the Texas Department of Insurance (tdi.texas.gov); check there or call the insurer directly before you apply.
A note on 2027 drug costs that apply to any Part D plan you pick: the Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100 in 2026), and the maximum Part D deductible a plan can charge is $700 in 2027 (up from $615 in 2026). The 2027 Part B premium and deductible, and the 2027 IRMAA income brackets, will be announced by CMS later this fall.
A simple timeline
- Now – mid-October 2026: Watch the mail for your plan's ANOC and, if applicable, a non-renewal letter.
- Oct. 15 – Dec. 7, 2026: Annual Enrollment Period. Any change takes effect Jan. 1, 2027.
- Jan. 1, 2027: New coverage begins. If you did nothing and your plan did not return, you are on Original Medicare only.
- Through Feb. 28, 2027: Special Enrollment Period for members of non-renewed plans.
- Jan. 1 – Mar. 31, 2027: Medicare Advantage Open Enrollment, a separate window for people already in an Advantage plan to make one change.
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 El Paso County
(MA penetration in El Paso 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.
Not returning for 2027
Medicare Advantage plans in El Paso County not returning for 2027
These 18 plans are offered in El Paso County for 2026 and are not in CMS’s 2027 file for the county. A member of one of them gets a non-renewal letter from the plan and has a Special Enrollment Period to choose new coverage.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Blue Cross Blue Shield (HCSC) 6 plans | |||
| Blue Cross Medicare Advantage Balance (PPO) | PPO | Yes | Returning |
| Blue Cross Medicare Advantage Basic (HMO) | HMO | Yes | Returning |
| Blue Cross Medicare Advantage Core (HMO) | HMO | Yes | Returning |
| Blue Cross Medicare Advantage Dual Care Plus (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Blue Cross Medicare Advantage Optimum (PPO) | PPO | Yes | Returning |
| Blue Cross Medicare Advantage Preferred (PPO) | PPO | Yes | Returning |
| Centene (WellCare) 4 plans | |||
| Wellcare Assist (HMO) | HMO | Yes | Returning |
| Wellcare Dual Liberty (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Wellcare Giveback (HMO) | HMO | Yes | Returning |
| Wellcare Simple Open (PPO) | PPO | Yes | Returning |
| Elevance Health (Anthem) 3 plans | |||
| Wellpoint Dual Advantage (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Wellpoint Dual Advantage 2 (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Wellpoint Full Dual Advantage (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Humana 3 plans | |||
| Humana Gold Choice H8145-084 (PFFS) | PFFS | Yes | Returning |
| Humana USAA Honor Giveback (PPO) | PPO | Yes | Returning |
| HumanaChoice H5216-353 (PPO) | PPO | Yes | Returning |
| UnitedHealthcare 2 plans | |||
| UHC Complete Care Support TX-1A (Regional PPO C-SNP) | PPO C-SNP | Yes | Returning |
| UHC Dual Complete TX-S4 (HMO-POS D-SNP) | HMO-POS D-SNP | 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
HMO, PPO and Special Needs Plans in El Paso County for 2027
- Aetna (CVS Health) 9 plans: HMO, PPO
- Alignment Health Plan 7 plans: HMO-POS
- Centene (WellCare) 6 plans: HMO
- Devoted Health 9 plans: HMO
- El Paso Health Medicare Advantage 4 plans: HMO
- Elevance Health (Anthem) 6 plans: HMO, HMO-POS
- HealthSpring 7 plans: HMO, PPO
- Humana 23 plans: HMO, PFFS, PPO
- Molina Healthcare of Texas, Inc. 1 plan: HMO
- ProCare Advantage 1 plan: HMO-POS
- Provider Partners Health Plans 1 plan: HMO
- UnitedHealthcare 15 plans: HMO-POS, PPO
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.
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
How will I know for sure my plan is ending?
If my plan is ending, do I have to pick a new Medicare Advantage plan?
What if I miss the Dec. 7 deadline?
- 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 El Paso
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This page was last updated: October 2026.