If your plan is ending in 2027, do this, in order
- Find the plan ID on your letter or member card and check it in the lookup on this page.
- Keep the letter. If you apply for a Medigap policy under the guaranteed issue right described below, send the insurer proof of the termination with your application; the plan's termination notice works.
- If your Medicare Advantage plan is not renewed and you do nothing, you return to Original Medicare on January 1, and for most people drug coverage does not carry over unless they choose a Part D plan.
- If your separate Part D drug plan is ending, its coverage stops on December 31 and you have no Medicare drug coverage until a new plan starts. If you have Extra Help or Medi-Cal, Medicare may assign you a drug plan, though you can still choose a different one.
- Pick your window: Annual Enrollment runs through December 7 for coverage that starts January 1, and the Special Enrollment Period for a plan that is not renewed runs from December 8 through the last day of February.
- Before you enroll anywhere, check your doctors, hospitals and prescriptions against the new plan. Lara Goulson does this with you at (818) 472-5484, in English, Spanish or Hebrew.
Look up your plan ID for 2027
If you have your plan ID, which starts with H, R or S followed by seven digits, such as H0000-000, type it here to see what CMS lists for that plan in 2027. This covers every 2026 Medicare Advantage plan and stand-alone drug plan offered in 11 of the 12 states where Lara Goulson is licensed; Kansas plans are not included yet.
From the CMS CY2027 Plan Crosswalk (October 1, 2026) and the CMS CY2026 and CY2027 plan landscape files. Employer group plans are not included.
Los Angeles County plans not offered in 2027: the CMS list
CMS has now published the official 2027 files, so for Los Angeles County this no longer depends on news reports. Comparing the CMS 2027 plan crosswalk, dated October 1, 2026, with the CMS Landscape files for 2026 and 2027, 17 Medicare Advantage plans offered in the county in 2026 are listed as terminated or non-renewed, 3 of them Special Needs Plans, and 2 more are folded into a plan that is not offered in the county in 2027. CMS enrollment counts for September 2026 show at least 26,334 Los Angeles County residents in those 19 plans. The largest are Aetna Medicare Signature (PPO) with 6,614 members, Central Health Medicare Plan (HMO) with 3,299 members, AARP Medicare Advantage from UHC CA-37 (HMO-POS) with 3,212 members and Wellcare Giveback (HMO) with 3,086 members. CMS lists every plan under the Central Health Medicare Plan contract as terminated or non-renewed, including the 7 offered in the county. If your plan is in the table below, the deadlines and rights further down this page apply to you. If it is not, CMS lists it as continuing in the county or moving its members into another plan from the same company, and your Annual Notice of Change explains what changes. Your plan's own letter is the final word, and Lara Goulson will read it with you at no cost, in English, Spanish or Hebrew, at (818) 472-5484.
| Plan in 2026 (CMS plan ID) | CMS status for 2027, and Los Angeles County members in September 2026 |
|---|---|
| AARP Medicare Advantage from UHC CA-37 (HMO-POS), H0543-251 | Terminated or non-renewed. Members: 3,212 |
| Aetna Medicare Eagle (PPO), H5521-369 | Terminated or non-renewed. Members: 323 |
| Aetna Medicare Enhanced (PPO), H5521-578 | Terminated or non-renewed. Members: 2,741 |
| Aetna Medicare Signature (PPO), H5521-419 | Terminated or non-renewed. Members: 6,614 |
| Alignment Health Honor+ Plan (HMO), H3815-052 | Folded into Central Health Harmony 031 (HMO), which is offered in 2027 only in Alameda, San Francisco, San Mateo and Santa Clara counties. Members: 1,294 |
| Alignment Health the ONE (HMO), H3815-034 | Folded into Central Health Harmony 031 (HMO), which is offered in 2027 only in Alameda, San Francisco, San Mateo and Santa Clara counties. Members: 56 |
| Astiva Health Premier Plan (HMO), H1993-015 | Terminated or non-renewed. Members: 597 |
| Central Health Classic Care Plan I (HMO), H5649-027 | Terminated or non-renewed. Members: 905 |
| Central Health Embrace Care Plan (HMO C-SNP), H5649-025 | Terminated or non-renewed. Members: 897 |
| Central Health Embrace Choice Plan (HMO C-SNP), H5649-026 | Terminated or non-renewed. Members: 541 |
| Central Health Jade Plan (HMO), H5649-022 | Terminated or non-renewed. Members: 347 |
| Central Health Medicare Plan (HMO), H5649-001 | Terminated or non-renewed. Members: 3,299 |
| Central Health Part B Savings Plan (HMO), H5649-029 | Terminated or non-renewed. Members: 1,654 |
| Central Health Valor Care Plan (HMO), H5649-030 | Terminated or non-renewed. Members: 11 |
| Champion Select (HMO-POS C-SNP), H6170-003 | Terminated or non-renewed. Members: 20 or fewer |
| Molina Medicare Choice Care (HMO), H5810-014 | Terminated or non-renewed. Members: 172 |
| SCAN Affirm partnered with Included LGBTQ+ Health (HMO), H5425-092 | Terminated or non-renewed. Members: 436 |
| SCAN MyChoice (HMO), H5425-108 | Terminated or non-renewed. Members: 149 |
| Wellcare Giveback (HMO), H5087-032 | Terminated or non-renewed. Members: 3,086 |
Source: Goulson Insurance analysis of the CMS CY2027 Plan Crosswalk (October 1, 2026), the CMS CY2026 and CY2027 Medicare Advantage Landscape files, and CMS Monthly Enrollment by Contract, Plan, State and County (September 2026). CMS hides county counts of 10 or fewer members, so member counts are minimums. You may republish it with credit under CC BY 4.0.
A non-renewal letter is not the same as your annual notice
Two different letters arrive in the fall and they ask for very different things from you. The Annual Notice of Change is routine: it lists what your plan is adjusting for the coming year, and if you like the changes you can do nothing and stay enrolled. A non-renewal or plan termination letter is the serious one: it says the plan itself will not exist where you live after December 31, so staying put is not an option and a decision is required. Carriers send these notices before the enrollment season, and reporting said the 2027 letters would arrive in early October. Read the top of the letter carefully for the words non-renewal, termination, or discontinued. If your letter is the routine kind instead, our guide to reading an Annual Notice of Change walks through those changes line by line.
Your Special Enrollment Period depends on which letter you got
When your plan is not renewed you get more time than the ordinary season allows, and the exact window depends on the wording of your notice. You can always use the Annual Enrollment Period, October 15 through December 7, to choose your 2027 coverage like everyone else. If your plan is not renewed for 2027, whether the insurer ends that plan, stops offering it in your county or ends its whole contract with Medicare, you get an additional Special Enrollment Period that runs from December 8 through the last day of February. If instead Medicare ends your plan's contract mid year, that window is different: it starts one month before the contract ends and closes two full months after. For a plan that is not renewed, coverage you choose by December 31 starts January 1 with no gap, while a choice made in January or February starts on the first day of the next month, leaving you on Original Medicare alone until then. If you would rather not compare the replacement plans on your own, our guide to choosing a broker in Los Angeles for your Medicare plan explains what to ask before you hand that work to anyone.
Returning to Original Medicare can unlock a Medigap policy with no health questions
This is the part most people never hear about, and for some it is the most valuable thing in the letter. Normally an insurer can ask health questions before selling you a Medicare Supplement and can turn you down. When your Medicare Advantage plan leaves your area, federal law gives you a guaranteed issue right to buy certain Medigap policies without medical underwriting, in a window running from the date you receive your plan's termination notice until 63 days after your coverage ends. A Medigap policy works only with Original Medicare, and joining another Medicare Advantage plan does not extend that window. A Supplement then works with any doctor in the country who participates in Medicare and accepts new Medicare patients, with no referrals, though Medicare SELECT policies are the exception because they do use a network. That freedom stops at the border, because only some Medigap plans pay anything toward emergency care outside the country, which is set out in Medicare coverage for care in Israel.
What happens if you ignore the letter
Nothing good, and it happens quietly. If your Medicare Advantage plan is not renewed and you make no choice, you are not left uninsured: Medicare.gov confirms you return to Original Medicare, Parts A and B, automatically. What does not come with it is the rest. For most people prescription drug coverage is not automatic, so unless you choose a Part D plan you can start the year without it, and if you later join a drug plan after going 63 days or more in a row without creditable drug coverage, a late enrollment penalty is added to your premium for as long as you have Medicare drug coverage, unless you get Extra Help. If you have Extra Help or Medi-Cal, Medicare may assign you a drug plan automatically, though you can still choose a different one. Original Medicare alone also has no annual cap on what you pay out of pocket, and the guaranteed issue window for a Supplement expires while you wait.
Which plans are leaving for 2027
The 2027 map is being redrawn by the carriers themselves. According to reporting by Insurance Business, Humana will not renew Medicare Advantage plans covering roughly 600,000 members, about 8 percent of its Medicare Advantage membership, and federal rules require those non-renewal notices to be dated October 2 for coverage ending December 31. The same reporting notes that UnitedHealthcare fully withdrew from 16 Medicare Advantage markets for 2026, affecting roughly 180,000 policyholders, and that other carriers have since followed the same pattern. Your official notice from your own plan is the only thing that confirms whether you are affected, so rely on it rather than on news coverage. Goulson Insurance Services is not affiliated with or endorsed by Medicare or any government entity, and we do not offer every plan available in your area; Medicare.gov or 1-800-MEDICARE list every option.
One letter, one hour, one decision
You do not have to decode the whole notice alone. Set the letter next to your list of doctors and your list of prescriptions, and the choice usually becomes clear in a single sitting. If your plan is ending, the calendar is doing the pressuring, not us.
Got a non-renewal letter? Call Lara Goulson at (818) 472-5484 and she will read it with you at no cost.
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