Medicare Advantage Plans Not Renewing in 2027: Which Insurers and States, and What to Do

If your plan is not being offered in your county next year, your insurer had to mail you a non-renewal notice, generally by early October. You should also read your Annual Notice of Change, mailed by September 30, which spells out next year’s changes. To check directly, compare plans for your ZIP code on the Medicare Plan Finder at Medicare.gov, or upload your notice to our free Medicare Letter Check and we will explain exactly what is happening.

Every major insurer pared back its Medicare Advantage lineup for 2027. Based on CMS plan data, Centene/Wellcare is reducing roughly 3,000 plans and exiting about 344 counties (including leaving Hawaii, Oklahoma, and Tennessee), Humana is cutting about 2,400 plans, UnitedHealthcare about 690, and Aetna and Elevance are each exiting dozens of counties. A few insurers, like Devoted Health, are expanding. The total number of plans nationally is roughly flat (about 5,553 in 2026 to 5,532 in 2027), but availability shifted a lot by county.

You get a Special Enrollment Period that runs December 8 through the last day of February. You can also use the Annual Enrollment Period (October 15 to December 7) with coverage starting January 1. When your plan is non-renewing and you move to Original Medicare, you may also have guaranteed-issue rights to buy certain Medigap policies without medical underwriting, usually within 63 days, so do not let that window lapse.

By percentage of plans lost, Wyoming is down about 43% (14 plans to 8), Montana about 28% (32 to 23), Maryland about 25% (63 to 47), and Minnesota about 22% (68 to 53). Plan options fell in 28 states and DC. Separately, KFF estimates about 638,000 people in 193 counties will have no general Medicare Advantage drug plan available in 2027, up from 399,000 in 123 counties in 2026.

If your plan is non-renewing and you do nothing, you are generally returned to Original Medicare, which does not include Part D drug coverage. That can leave you without drug coverage and exposed to a late-enrollment penalty. So if your plan is ending, actively choose new coverage during your window rather than letting it lapse.

No, and the difference matters. If your whole plan is non-renewing, you get a Special Enrollment Period. If your plan continues but your hospital or doctor leaves its network, you generally do not get a special window and must act during open enrollment. If you are in that second situation, see hospitals dropping Medicare Advantage in 2027.