My Medicare Advantage Plan Is Being Discontinued for 2027 — What Are My Options?

Medicare Advantage Plan Ending in 2027? Your Options

Quick Answer

If your Medicare Advantage plan won’t be available in 2027, don’t ignore the notice from your plan. You may have several options, including choosing another Medicare Advantage plan or returning to Original Medicare, and members of terminating plans generally get extra enrollment time beyond the ordinary AEP deadline. Depending on why the plan is ending and your circumstances, additional enrollment and Medigap protections may apply.

Why Would a Medicare Advantage Plan Leave an Area?

Medicare Advantage plans contract with Medicare annually. An insurance company can change which plans it offers, modify service areas, consolidate plans, or choose not to renew a particular Medicare contract. Individual 2027 plan availability and benefits depend on the insurer and service area, which is why choices can differ across Travis, Williamson, Hays, Bastrop, Burnet, and neighboring Central Texas counties.

Read Your Plan Notice Carefully

If your plan is terminating or leaving your service area, you should receive information explaining what is happening and your enrollment rights; nonrenewal notices generally arrive in the fall, around the same time as the Annual Notice of Change. Keep the letter with your Medicare records because it may document important enrollment or Medigap rights, and a Medigap insurer may ask for it.

Can I Choose Another Medicare Advantage Plan?

Often, yes. Compare the Medicare Advantage plans available in your county for 2027 during AEP, October 15 through December 7, 2026. Members of a plan that is not renewing its Medicare contract also generally have a Special Enrollment Period that extends beyond AEP—typically from December 8 through the last day of February—so a terminating plan gives you more time, not less. Choosing before December 7 still keeps your coverage seamless on January 1.

Compare:

•             Doctors and hospitals

•             Prescription drugs and pharmacies

•             Maximum out-of-pocket exposure

•             Copays

•             Prior authorization requirements

•             Referral rules

•             Supplemental benefits

Can I Go Back to Original Medicare?

Depending on the circumstances and enrollment period, returning to Original Medicare may be an available option. If you return to Original Medicare, you’ll also need to consider prescription drug coverage and whether you want Medicare Supplement insurance.

Can I Get a Medicare Supplement Without Medical Underwriting?

Most likely—and this is an important question to investigate immediately. Federal Medigap guaranteed-issue protections apply in certain situations when Medicare Advantage coverage ends or you lose coverage through no fault of your own. Under the federal rules, you can generally apply for a guaranteed-issue Medigap policy as early as 60 days before your coverage ends and no later than 63 days after it ends, so the window is limited. Your specific rights depend on the circumstances, timing, and applicable state and federal rules. Keep your plan termination notice.

Do Not Wait Until December

The Annual Enrollment Period runs October 15 through December 7. Someone whose plan is actually terminating may have rights extending beyond the standard AEP dates, but the Medigap guaranteed-issue clock is short. Don’t wait until the last minute to investigate.

Frequently Asked Questions

Will Medicare automatically choose a new Advantage plan for me?

Do not rely on automatic enrollment to produce the coverage you want. Review your termination notice and actively evaluate your options.

Can my Medicare Advantage company discontinue my plan?

Medicare Advantage contracts and plan offerings can change from year to year.

Can I return to Original Medicare?

Potentially, yes, depending on the enrollment circumstances.

Can I get Medigap if my Medicare Advantage plan ends?

Certain loss-of-coverage situations can create federal guaranteed-issue Medigap rights, generally within a window that ends 63 days after the coverage ends. Review your exact situation before deadlines pass.

Should I keep the letter saying my plan is ending?

Absolutely.

Four Oaks Can Help Review Your 2027 Options

If you’ve received a letter saying your Medicare Advantage plan won’t be offered in 2027, don’t ignore it. Four Oaks Medicare Planning helps Austin and Central Texas beneficiaries compare the coverage we represent in their county and understand the choices associated with a plan termination. Call 512-298-5404.