Plan year 2027
Special Enrollment Period when your Medicare Advantage plan is ending
If your Medicare Advantage plan won't be offered in 2027, or is leaving your county, you're not stuck. You get extra time to pick new coverage, plus some added protections.
Is your plan changing? Check it now- Your Special Enrollment Period
- December 8, 2026 – February 28, 2027
- Or choose during Annual Enrollment
- October 15 – December 7, 2026
- If you do nothing
- Original Medicare on January 1, 2027
- Medigap guaranteed issue
- 63 days after your coverage ends
Who gets this Special Enrollment Period
- Members of a Medicare Advantage plan that is not renewing (the plan is ending).
- Members who live in a county the plan is dropping from its service area. You're treated the same as a member of a plan that's ending.
When you can choose new coverage
You can pick a new plan during Annual Enrollment (October 15 – December 7, 2026) so it starts January 1, 2027 with no gap. If you miss that, your Special Enrollment Period gives you until February 28, 2027 to choose.
If you don't choose a new plan
You'll be moved to Original Medicare on January 1, 2027. Original Medicare does not include drug coverage, so you'd need to join a separate Part D plan to have your prescriptions covered.
Medigap rights when your plan ends
Losing your Medicare Advantage plan this way gives you the right to buy certain Medicare Supplement (Medigap) policies without health questions, for 63 days after your coverage ends.
What to do now
Check whether your plan is changing, see which plans are still offered in your county for 2027, and compare them with a local agent before December 7, 2026 so your new coverage starts on time.