Medicare Advantage
Medicare Advantage Open Enrollment: What Chesapeake Can Change by March 31
People in Chesapeake can choose from 70 Medicare Advantage plans for 2027, against 67 this year. Three of this year’s plans are gone, 6 are new to Chesapeake city, and 45 that continue have changed their premium, deductible, plan type or name, 16 of them under a new name.
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CHESAPEAKE, Va. — If you sign up for a Medicare Advantage plan this fall and later wonder if it's the right fit, you'll have another chance to adjust. The Medicare Advantage Open Enrollment Period runs January 1 through March 31, 2027, and it gives people already enrolled in a Medicare Advantage plan a limited window to make one change.
Key takeaways
- The Medicare Advantage Open Enrollment Period runs January 1 through March 31, 2027, and lets people already in a Medicare Advantage plan make one change.
- This window only applies if you're already enrolled in a Medicare Advantage plan as of January 1, not if you have Original Medicare.
- You only get one change during this period, and once you use it the window closes until the next enrollment period.
- Before switching, you can re-read your plan's Evidence of Coverage, check your doctors and prescriptions against other plans, use the Plan Finder at medicare.gov, or call your local SHIP (VICAP in Virginia) for free help.
Chesapeake seniors get a second look at Medicare Advantage this winter
This is different from the busy fall Annual Enrollment Period (Oct. 15 – Dec. 7). It's shorter, narrower, and often overlooked — but for Chesapeake residents who feel stuck with a plan that isn't working, it matters.
Who can use this enrollment period
The Medicare Advantage Open Enrollment Period is only for people who are already enrolled in a Medicare Advantage plan as of January 1. If you have Original Medicare (Part A and Part B) with or without a stand-alone Part D drug plan, this window does not apply to you.
If you're a Chesapeake resident with a Medicare Advantage plan and something isn't right — maybe your doctor left the network, a medication you take isn't covered the way you expected, or the plan's rules are more restrictive than you realized — this is your chance to act.
What you can change between Jan. 1 and March 31
According to CMS rules on medicare.gov, during this period you can:
- Switch from one Medicare Advantage plan to another Medicare Advantage plan (with or without drug coverage).
- Drop your Medicare Advantage plan and return to Original Medicare, and if you do, you can also join a stand-alone Medicare Part D prescription drug plan.
You get one change during this window. Once you use it, the window closes for you until the next enrollment periods.
What you cannot do in this window
This period has real limits. You cannot:
- Switch from Original Medicare to a Medicare Advantage plan.
- Join a Part D drug plan if you're staying on Original Medicare and didn't have one already.
- Change from one stand-alone Part D plan to another if you're on Original Medicare.
Those moves generally have to wait for the fall Annual Enrollment Period or a Special Enrollment Period tied to a life event (like moving out of your plan's service area).
The local picture in Chesapeake
Chesapeake is an independent city in Virginia, and Medicare Advantage plan availability is set at the county/city level. That means the specific plans offered to residents are those available in the city of Chesapeake — the same list your neighbors see, not the list from Norfolk or Virginia Beach. If you're comparing options, the Plan Finder tool at medicare.gov will show you what's currently offered at your ZIP code.
Program facts worth knowing for 2027
Even though this window doesn't let you jump into Medicare Advantage from scratch, it's a good moment to understand what's changed for the year:
- Part D out-of-pocket cap: $2,100 in 2026 and $2,400 in 2027. Once your out-of-pocket spending on covered drugs hits that amount, you pay nothing for covered prescriptions the rest of the year.
- Part D maximum deductible: $615 in 2026 and $700 in 2027 (plans can set a lower deductible, but not higher).
- The coverage gap ("donut hole") is gone as of 2025. Part D now has three phases: deductible, initial coverage, and catastrophic.
- Medicare Prescription Payment Plan: an optional program that lets you spread your drug costs across the calendar year in monthly payments instead of paying at the pharmacy counter.
- IRMAA: higher-income beneficiaries pay an income-related surcharge on Part B and Part D. For 2026, surcharges start above $109,000 in income for a single filer.
How to make a smart decision before March 31
Before you switch or drop a plan, take a few practical steps:
1. Re-read your plan's Evidence of Coverage — it explains what's covered, network rules, and out-of-pocket limits. 2. List your doctors, hospitals, and prescriptions, then check them against any plan you're considering. 3. Use the Plan Finder at medicare.gov to compare options available in Chesapeake. 4. Call for free, unbiased help. The Virginia Insurance Counseling and Assistance Program (VICAP) is Virginia's SHIP — trained counselors who don't sell insurance.
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.
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.
Explore
The parts of Medicare
What changes next year
Medicare Advantage plans leaving or changing in Chesapeake city for 2027
Chesapeake is in Chesapeake city. Comparing CMS’s 2026 and 2027 Landscape files for the county:
Plans not offered in Chesapeake city for 2027
| Plan | Carrier | Type |
|---|---|---|
| Anthem Full Dual Advantage 2 (HMO D-SNP) | Elevance Health (Anthem) | HMO D-SNP |
| AARP Medicare Advantage Access from UHC VA-20 (PPO) | UnitedHealthcare | PPO |
| UHC Dual Complete VA-Y3 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP |
Plans new to Chesapeake city for 2027
| Plan | Carrier | Type |
|---|---|---|
| Humana DaVita Kidney Care (PPO C-SNP) | Humana | PPO C-SNP |
| Humana DaVita Kidney Care (PPO C-SNP) | Humana | PPO C-SNP |
| Humana Together in Health (PPO I-SNP) | Humana | PPO I-SNP |
| HumanaChoice H7617-125 (PPO) | Humana | PPO |
| AARP Medicare Advantage Direct Plus from UHC VA-26 (HMO-POS) | UnitedHealthcare | HMO-POS |
| AARP Medicare Advantage Extras from UHC VA-30 (HMO-POS) | UnitedHealthcare | HMO-POS |
Plans continuing under a new name
| Plan | Carrier | Type |
|---|---|---|
| Aetna Medicare Enhanced (PPO) (was Aetna Medicare Enhanced Plus (PPO)) | Aetna (CVS Health) | PPO |
| Aetna Medicare Signature Plus (HMO-POS) (was Aetna Medicare Signature Care (HMO-POS)) | Aetna (CVS Health) | HMO-POS |
| Anthem Dual Advantage Plus (HMO D-SNP) (was Anthem Dual Advantage (HMO D-SNP)) | Elevance Health (Anthem) | HMO D-SNP |
| Anthem Dual Advantage Plus (PPO D-SNP) (was Anthem Dual Advantage (PPO D-SNP)) | Elevance Health (Anthem) | PPO D-SNP |
| Humana Dual QMB Only (HMO-POS D-SNP) (was Humana Gold Plus SNP-DE H2875-002 (HMO-POS D-SNP)) | Humana | HMO-POS D-SNP |
| Humana Essentials Plus Giveback (PPO) (was Humana Essentials Plus Giveback H5216-308 (PPO)) | Humana | PPO |
| Humana Essentials Plus Giveback (PPO) (was Humana Essentials Plus Giveback H7617-100 (PPO)) | Humana | PPO |
| Humana Full Access (Regional PPO) (was Humana Full Access R0110-005 (Regional PPO)) | Humana | PPO |
| Humana Total Complete (HMO) (was Humana Gold Plus H1036-333 (HMO)) | Humana | HMO |
| Humana Total Complete (HMO) (was Humana Gold Plus H6622-083 (HMO)) | Humana | HMO |
| Humana Total Complete (HMO) (was Humana Total Complete H6622-091 (HMO)) | Humana | HMO |
| Humana Value Choice (PPO) (was Humana Value Choice H5216-266 (PPO)) | Humana | PPO |
| Humana Value Choice (PPO) (was Humana Value Choice H7617-098 (PPO)) | Humana | PPO |
| AARP Medicare Advantage Essentials from UHC VA-8 (HMO-POS) (was AARP Medicare Advantage from UHC VA-0008 (HMO-POS)) | UnitedHealthcare | HMO-POS |
| UHC Dual Advantage VA-V1 (HMO-POS D-SNP) (was UHC Dual Complete VA-V001 (HMO-POS D-SNP)) | UnitedHealthcare | HMO-POS D-SNP |
| UHC Dual Complete VA-YL (HMO-POS D-SNP) (was UHC Dual Complete VA-Y001 (HMO-POS D-SNP)) | UnitedHealthcare | HMO-POS D-SNP |
“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.
Good to know
Frequently asked questions
I just picked my plan in December. Can I really change it again?
If I drop Medicare Advantage and go back to Original Medicare, can I get a Medigap policy?
Does this window let me join Medicare for the first time?
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.