Many people will open their mail this fall and learn their Medicare Advantage plan is ending. For 2027, several large insurers are leaving counties (KFF):
- UnitedHealth Group is leaving 228 counties and entering 9.
- Humana is leaving 62 counties and entering 4. Humana says its plan reductions affect about 600,000 members (ConsumerAffairs).
- Health Care Service Corporation is leaving 498 counties, and Centene is leaving 359.
- Molina and Clear Spring Health are leaving the Medicare Advantage drug-plan market.
In 193 counties, there will be no Medicare Advantage plan with drug coverage for general enrollment in 2027 (KFF).
Florida is hit hardest
Florida is losing more Medicare Advantage plans than any other state, going from 611 plans in 2026 to 560 in 2027. In Miami-Dade, Broward, and Palm Beach, about 81,000 members are in plans that will end or merge. HealthSpring won’t offer individual Medicare Advantage plans in those three counties in 2027 (Sun Sentinel).
Your hospital may be leaving your plan
Network changes to check before December 7
- Florida: UnitedHealthcare ended its contract with AdventHealth. Without a new deal by December 31, 2026, AdventHealth will be out of network for UnitedHealthcare Medicare Advantage members starting January 1, 2027. Nothing has changed yet (AdventHealth).
- Illinois: Starting January 1, 2027, UChicago Medicine AdventHealth will no longer be in network with UnitedHealthcare (including AARP) or HealthSpring Medicare Advantage plans (UChicago Medicine AdventHealth).
If your plan is ending, you have choices
- Pick another Medicare Advantage plan during the Annual Enrollment Period, October 15 to December 7.
- Go back to Original Medicare and add a drug plan, plus a Medicare Supplement (Medigap) plan if you want help with the 20% Medicare doesn’t pay.
Short on time? Book a free 30-minute Medicare check-up and we’ll do the comparing for you.
The Medigap right most people don’t know about
Normally, Medigap insurers can ask health questions and turn you down. But if your Medicare Advantage plan stops giving care in your area, you have a guaranteed issue right. You can buy certain Medigap plans without health questions, as long as you switch to Original Medicare (Medicare.gov).
Timing matters: you can apply up to 60 days before your plan ends, or no more than 63 days after (Medicare.gov). Keep your plan’s termination letter. You may need it as proof.
Key Medicare dates
- October 15 to December 7: Annual Enrollment Period. Changes start January 1
- Missed it? Most people can’t change plans again until next fall, unless they qualify for a special enrollment period
Quick answers
What if I do nothing?
If your plan is leaving, you may end up in Original Medicare without a drug plan or Medigap. Make a choice before December 7.
Can you help me compare?
Yes. We’ll review your doctors and prescriptions and show you the options we offer in your county.
Not sure if your Medicare plan still fits?
Book a 30-minute Medicare check-up. A licensed agent reviews your doctors, prescriptions, and costs, then tells you plainly whether to stay or switch. No cost and no obligation.
Book My Medicare Check-Up or call (786) 730-9658
Prefer to read first? Download the 2027 Medicare Check-Up Checklist.
Related guides
- Medicare Advantage vs. Medigap: which is right for you?
- Top 5 Medicare myths debunked
- How to avoid Medicare late enrollment penalties
- Medicare Advantage 2027: 5 changes to know
- Switching Medigap plans in 2027
Sources
- KFF: Medicare Advantage plan availability for 2027
- ConsumerAffairs: Major insurers cutting Medicare Advantage plans for 2027
- Medicare.gov: Choosing a Medigap Policy (official guide)
- Anthem: Medicare Advantage enrollment periods
- Sun Sentinel: Florida Medicare Advantage plan losses for 2027
- AdventHealth: UnitedHealthcare contract update
- UChicago Medicine AdventHealth: Medicare resource hub
We do not offer every plan available in your area. Currently we represent 4 organizations which offer 57 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Simple Start Insurance is a licensed and certified representative of Medicare Advantage organizations and stand-alone prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. Not affiliated with or endorsed by any government agency. This article is general information.
