How many UnitedHealthcare Medicare Advantage plans are there for 2027?

UnitedHealthcare offers 852 Medicare Advantage plans for 2027, up from 846 in 2026, based on CMS landscape data. The total grew slightly, but plans in about 140 counties are ending, so check your own county.

Is UnitedHealthcare leaving any states for 2027?

Yes, UnitedHealthcare is leaving Wyoming for 2027. Members there will get a non-renewal letter, keep coverage through December 31, 2026, and can choose a new plan or Original Medicare with a Medigap policy. Read your Annual Notice of Change to see exactly how your own plan changes.

Is UnitedHealthcare cutting PPO plans for 2027?

Yes, UnitedHealthcare is cutting 34 PPO plans for 2027. If your PPO is ending, compare other PPOs, HMOs and Medigap during Annual Enrollment, and confirm your doctors are in the new plan's network. Compare the remaining options by doctors, drugs and the out-of-pocket maximum.

Is UnitedHealthcare adding Special Needs Plans for 2027?

Yes, UnitedHealthcare is adding 40 Special Needs Plans for 2027. SNPs are for people with both Medicare and Medicaid, certain chronic conditions or who live in an institution, so check whether you qualify. New SNPs may include extra benefits, depending on the plan and area.

How do I know if my UHC plan is ending?

You will receive a non-renewal letter if your UnitedHealthcare plan is not continuing in your county. If your plan continues, your Annual Notice of Change lists every 2027 change to premiums, copays, networks and drug coverage.

Do UnitedHealthcare plans include dental and vision?

Many UnitedHealthcare Medicare Advantage plans may include dental, vision and hearing benefits, but benefits vary by plan and county. Not all plans offer all benefits, so check the plan's Evidence of Coverage for limits. Ask your dentist which 2027 UHC plans they accept before you enroll.

What is the average Medicare Advantage premium for 2027?

The national average Medicare Advantage premium is $12 a month for 2027, down from $14.37, according to CMS. You also keep paying your Part B premium, and your UHC plan's premium may be higher or lower.

What happens if I do nothing and my UHC plan ends?

If your UnitedHealthcare plan ends and you do nothing, you return to Original Medicare on January 1, 2027, without drug coverage. To avoid that gap, choose a new plan by December 7 or during your Special Enrollment Period.

Can I switch from UnitedHealthcare to Medigap?

Yes, you can switch to Original Medicare with a Medigap policy. If your UHC plan is leaving your area, you generally have a guaranteed issue right to certain Medigap plans until 63 days after your coverage ends.

What is Medicare Advantage?

Medicare Advantage, also called Medicare Part C, is a way to get your Part A and Part B benefits through a private insurance company approved by Medicare instead of directly from Original Medicare. Most plans also include Part D drug coverage, and many may include extras such as dental, vision and hearing.

Do I still pay Part B?

Yes. You keep paying your Part B premium after you join a Medicare Advantage plan, plus any premium the plan itself charges. The standard Part B premium is $202.90 a month in 2026, and the 2027 amount, projected at about $209.50, is expected to be announced in November.

Is there a yearly cap?

Yes. Every Medicare Advantage plan has a yearly out-of-pocket maximum for covered Part A and Part B services, a protection Original Medicare alone does not have. Once you reach it, the plan pays for covered services for the rest of the year; limits vary by plan, and PPOs usually have a separate, higher combined limit.

When can I enroll in a Medicare Advantage plan for 2027?

You can sign up for a Medicare Advantage plan for 2027 during Annual Enrollment, October 15 to December 7, 2026, and coverage starts January 1, 2027. If you are already in Medicare Advantage, you can make one more change from January 1 to March 31, 2027, and new enrollees can join when they first become eligible.

What happens if my Medicare Advantage plan is ending?

Your plan will send a non-renewal notice, and your coverage continues through December 31, 2026. You can choose a new Medicare Advantage plan during Annual Enrollment or a Special Enrollment Period, and you generally have a guaranteed issue right to buy certain Medigap plans if you would rather switch to Original Medicare.

What is the difference between an HMO, PPO and SNP?

An HMO usually requires you to use in-network doctors and often needs referrals, while a PPO also covers out-of-network care at a higher cost. A Special Needs Plan, or SNP, is limited to people with certain chronic conditions, Medicaid eligibility or institutional care, and its benefits are tailored to those needs.

How much do Medicare Advantage plans cost in 2027?

CMS projects the average Medicare Advantage premium will be $12 a month in 2027, down from $14.37 in 2026, and you still pay your Part B premium on top of that. Your real costs also include copays, coinsurance and the plan's out-of-pocket maximum, so compare total yearly costs, not just the premium.

What is changing in Medicare Advantage for 2027?

The national average Medicare Advantage premium drops to $12 for 2027, from $14.37 in 2026, but the bigger story is retrenchment. Several large insurers are cutting PPO plans and leaving counties, so even if your premium looks stable, check your Annual Notice of Change for network and benefit changes.

How many people are in Medicare Advantage in 2027?

CMS projects about 34 million people will be enrolled in Medicare Advantage in 2027, roughly 47% of everyone with Medicare. They can choose from about 5,532 plans nationwide, slightly fewer than the 5,553 offered in 2026.

Which insurer is growing?

Devoted Health is one of the clearest growth stories for 2027, adding 342 counties and entering Connecticut, Michigan, New Hampshire, New Jersey and New York. Expansion does not guarantee a plan in your area, so confirm availability and your doctors in Medicare Plan Finder.

When can I enroll in a Medicare Advantage plan for 2027?

Enrollment for 2027 opens October 15 and closes December 7, 2026, and your chosen plan starts January 1, 2027. People already in Medicare Advantage also get a second chance from January 1 to March 31, 2027, when they can make one switch to another plan or return to Original Medicare.

What happens if my Medicare Advantage plan is ending?

The insurer will mail you a non-renewal notice, and your plan keeps covering you through December 31, 2026. You can then pick a different plan during Annual Enrollment or a Special Enrollment Period, and you generally have a guaranteed issue right to buy certain Medigap plans, typically within 63 days after coverage ends.

Will my Medicare Advantage premium go up in 2027?

For most people, probably not. CMS says about 8 in 10 Medicare Advantage members can keep their current plan at the same or a lower premium in 2027. You still pay your Part B premium, and copays, networks or drug coverage may change even when the premium does not.

What benefits do 2027 Medicare Advantage plans include?

Every plan covers what Original Medicare covers, and most include Part D drug coverage. Extras may include dental, vision, hearing, over-the-counter allowances or fitness benefits, but not all plans offer all benefits and amounts vary. Check each plan's Summary of Benefits for your county before deciding.

How many UnitedHealthcare Medicare Advantage plans are there for 2027?

UnitedHealthcare offers 852 Medicare Advantage plans for 2027, up from 846 in 2026 , based on CMS landscape data. The total grew slightly, but plans in about 140 counties are ending, so check your own county.

Is UnitedHealthcare leaving any states for 2027?

Yes, UnitedHealthcare is leaving Wyoming for 2027. Members there will get a non-renewal letter, keep coverage through December 31, 2026 , and can choose a new plan or Original Medicare with a Medigap policy. Read your Annual Notice of Change to see exactly how your own plan changes.

Is UnitedHealthcare cutting PPO plans for 2027?

Yes, UnitedHealthcare is cutting 34 PPO plans for 2027. If your PPO is ending, compare other PPOs, HMOs and Medigap during Annual Enrollment, and confirm your doctors are in the new plan's network. Compare the remaining options by doctors, drugs and the out-of-pocket maximum.

Is UnitedHealthcare adding Special Needs Plans for 2027?

Yes, UnitedHealthcare is adding 40 Special Needs Plans for 2027. SNPs are for people with both Medicare and Medicaid, certain chronic conditions or who live in an institution, so check whether you qualify. New SNPs may include extra benefits, depending on the plan and area.

How do I know if my UHC plan is ending?

You will receive a non-renewal letter if your UnitedHealthcare plan is not continuing in your county. If your plan continues, your Annual Notice of Change lists every 2027 change to premiums, copays, networks and drug coverage.

Do UnitedHealthcare plans include dental and vision?

Many UnitedHealthcare Medicare Advantage plans may include dental, vision and hearing benefits, but benefits vary by plan and county. Not all plans offer all benefits, so check the plan's Evidence of Coverage for limits. Ask your dentist which 2027 UHC plans they accept before you enroll.

What is the average Medicare Advantage premium for 2027?

The national average Medicare Advantage premium is $12 a month for 2027, down from $14.37, according to CMS. You also keep paying your Part B premium, and your UHC plan's premium may be higher or lower.

What happens if I do nothing and my UHC plan ends?

If your UnitedHealthcare plan ends and you do nothing, you return to Original Medicare on January 1, 2027, without drug coverage. To avoid that gap, choose a new plan by December 7 or during your Special Enrollment Period.

Can I switch from UnitedHealthcare to Medigap?

Yes, you can switch to Original Medicare with a Medigap policy. If your UHC plan is leaving your area, you generally have a guaranteed issue right to certain Medigap plans until 63 days after your coverage ends.

United Healthcare Medicare Advantage Plans 2027

Russell Noga( Medicare Expert )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.

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