Medicare Advantage Plans 2027: KFF Says 3.1 Million Members' Plans Are Ending

Doing nothing is the risky choice

If your Medicare Advantage plan with drug coverage is terminated and you don’t pick a new plan, you’ll have Original Medicare only, with no Part D coverage and no Medigap. Going 63 days or more without creditable drug coverage can trigger a Part D late enrollment penalty that lasts as long as you have Medicare.

Did you get a Presbyterian non-renewal letter?

Presbyterian is ending most of its Medicare Advantage plans for 2027 and keeping only Dual Plus. See where its 30,000 members can go in our guide to Presbyterian Medicare Advantage plans for 2027.

➤ How many Medicare Advantage plans are ending in 2027?

KFF reported on October 27, 2026, that about 3.1 million people in Medicare Advantage plans with drug coverage will have their plan terminated at the end of 2026. That includes about 2.8 million in general-enrollment plans and about 300,000 in special needs plans.

➤ Which insurers are ending the most Medicare Advantage plans?

According to KFF, Humana (about 530,000 members), UnitedHealth Group (about 367,000), CVS Health’s Aetna (about 254,000) and Aware Integrated, the parent of Blue Cross and Blue Shield of Minnesota (about 249,000), account for about half of the terminations.

➤ What happens if my Medicare Advantage plan ends and I do nothing?

If your Medicare Advantage plan with drug coverage is terminated and you don’t choose a new plan, you’ll have Original Medicare on January 1, 2027, with no Part D drug coverage and no Medigap. Going 63 days or more without creditable drug coverage can lead to a Part D late enrollment penalty.

➤ What is the difference between a terminated and a consolidated plan?

A terminated plan ends on December 31, 2026. A consolidated plan means your insurer moves you into another of its plans automatically. About 1.4 million people are in consolidated plans, and they do not get Medigap guaranteed-issue rights.

➤ When is the deadline to replace a Medicare Advantage plan that is ending?

Choose a new plan by December 7, 2026, during Annual Enrollment so it starts January 1, 2027. If your plan is not renewing, you also have a Special Enrollment Period from December 8, 2026, through the end of February 2027.

➤ Can I get a Medigap policy if my Medicare Advantage plan ends?

If your Medicare Advantage plan is ending, you generally have a guaranteed-issue right to buy certain Medigap policies for up to 63 days after your coverage ends, and you can apply as early as 60 days before. This right does not apply if your plan is only being consolidated.

➤ How do I find out if my Medicare Advantage plan is ending?

Check the notice and the 2027 Annual Notice of Change your insurer mailed this fall. If you can’t find them, call the number on your member ID card or compare plans available in your ZIP code.

➤ Will there still be Medicare Advantage plans in my area for 2027?

Most people will still have choices. CMS lists 5,532 Medicare Advantage plans nationally for 2027, and the average premium is $12.00 a month. What’s available depends on your county, so compare plans by ZIP code.