Alabama Medicare

Medicare Advantage Plans in Alabama for 2027: What's Ending and What's Available

27 Alabama Medicare plans end or leave counties for 2027, per CMS; 25,317 people must choose a new plan. Another 4 were merged or renumbered, so those members move automatically. If yours is on the list, a licensed agent can help at no cost to you.

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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Not connected with or endorsed by the United States government or the federal Medicare program. Calls are recorded, as Medicare requires.

Which Alabama Medicare plans are ending in 2027?

Checked October 6, 2026 against CMS's 2026 and 2027 plan lists and September 2026 enrollment.

The biggest plans ending: Cigna HealthSpring (10,404 members), Blue (7,464 members), Aetna (3,797 members). CMS's 2027 Plan Crosswalk says 27 Alabama Medicare Advantage and Part D plans end or leave counties for 2027, with at least 25,317 people enrolled who must choose a new plan. Another 4 plans (8,599 people) were merged into other plans or given new plan numbers; CMS moves those members automatically, and their letter names the new plan. A plan that ends stops on December 31, 2026. It does not mean you lose Medicare. Your plan's own letter is the final word.

Cigna HealthSpring: 6 plans end or leave counties (10,404 members); 4 merged or renumbered (8,599 members) county detail
Blue (BlueCross BlueShield of Alabama): 1 plan ends or leaves counties (7,464 members) county detail
Aetna: 7 plans end or leave counties (3,797 members) county detail
AARP (UnitedHealthcare): 12 plans end or leave counties (3,605 members) county detail
Humana: 1 plan ends or leaves counties (47 members) county detail

31 Alabama plans on CMS's 2026 list but not its 2027 list: plans that end come first, then plans CMS merged or renumbered
Plan	Plan ID	Counties	Members	What CMS says for 2027
Blue Advantage Premier (PPO) Blue (BlueCross BlueShield of Alabama)	H0104-015	Autauga, Baldwin, Barbour, Bibb and 63 more	7,464+	Ends December 31, 2026. Members must choose a new plan.
HealthSpring TotalCare Plus (HMO D-SNP) Cigna HealthSpring	H4513-063	Autauga, Baldwin, Bibb, Blount and 26 more	5,672+	CMS lists different outcomes by plan segment. Your letter says which applies to you.
HealthSpring TotalCare (HMO D-SNP) Cigna HealthSpring	H4513-055	Autauga, Baldwin, Bibb, Blount and 26 more	4,689+	CMS lists different outcomes by plan segment. Your letter says which applies to you.
Aetna Medicare Signature Plus (PPO) Aetna	H5521-227	Fayette, Franklin, Greene, Hale and 2 more	998	Leaves these counties for 2027. Members here must choose a new plan.
AARP Medicare Advantage from UHC AL-0004 (PPO) AARP (UnitedHealthcare)	H1889-015	Bibb, Cherokee, Cleburne, Colbert and 12 more	925	Leaves these counties for 2027. Members here must choose a new plan.
Aetna Medicare Signature Plus (PPO) Aetna	H5521-116	Barbour, Bullock, Choctaw, Coffee and 3 more	917	Leaves these counties for 2027. Members here must choose a new plan.
Aetna Medicare Value Plus (PPO) Aetna	H5521-467	Autauga, Barbour, Bibb, Bullock and 24 more	631+	Leaves these counties for 2027. Members here must choose a new plan.
Aetna Medicare Signature Plus (PPO) Aetna	H5521-171	Bibb, Clay, Cleburne, Cullman	601	Leaves these counties for 2027. Members here must choose a new plan.
UHC Complete Care AL-5 (HMO-POS C-SNP) AARP (UnitedHealthcare)	H0432-017	Tuscaloosa	525	Leaves these counties for 2027. Members here must choose a new plan.
UHC Dual Complete AL-S1 (HMO-POS D-SNP) AARP (UnitedHealthcare)	H2802-064	Tuscaloosa	499	Leaves these counties for 2027. Members here must choose a new plan.
Found your plan on this list?A licensed agent reads your letter with you and goes over your options. No cost, 8 AM to midnight ET. Call 855-367-1095
AARP Medicare Advantage from UHC AL-0003 (HMO-POS) AARP (UnitedHealthcare)	H2802-041	Tuscaloosa	458	Leaves these counties for 2027. Members here must choose a new plan.
UHC Dual Complete AL-V001 (HMO-POS D-SNP) AARP (UnitedHealthcare)	H0432-013	Barbour, Bullock, Butler, Calhoun and 44 more	356+	Ends December 31, 2026. Members must choose a new plan.
UHC Dual Complete AL-V002 (HMO-POS D-SNP) AARP (UnitedHealthcare)	H2802-044	Tuscaloosa	340	Leaves these counties for 2027. Members here must choose a new plan.
Aetna Medicare Signature Plus (PPO) Aetna	H5521-224	Autauga, Butler, Chilton, Lowndes and 1 more	327	Ends December 31, 2026. Members must choose a new plan.
Aetna Medicare Signature Plus (PPO) Aetna	H5521-644	Coosa, Dale, Lawrence, Marengo and 3 more	218+	Ends December 31, 2026. Members must choose a new plan.
AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS) AARP (UnitedHealthcare)	H0432-012	Tuscaloosa	205	Leaves these counties for 2027. Members here must choose a new plan.
UHC Dual Complete AL-D001 (HMO-POS D-SNP) AARP (UnitedHealthcare)	H0432-009	Tuscaloosa	183	Leaves these counties for 2027. Members here must choose a new plan.
Aetna Medicare Eagle Plus (PPO) Aetna	H5521-229	Autauga, Barbour, Bibb, Bullock and 22 more	105+	Leaves these counties for 2027. Members here must choose a new plan.
HumanaChoice H5216-448 (PPO) Humana	H5216-448	Colbert, DeKalb, Franklin, Jackson and 8 more	47+	Ends December 31, 2026. Members must choose a new plan.
AARP Medicare Advantage from UHC AL-6 (HMO-POS) AARP (UnitedHealthcare)	H2802-079	Tuscaloosa	46	Leaves these counties for 2027. Members here must choose a new plan.
Found your plan on this list?A licensed agent reads your letter with you and goes over your options. No cost, 8 AM to midnight ET. Call 855-367-1095
AARP Medicare Advantage from UHC AL-0001 (HMO-POS) AARP (UnitedHealthcare)	H0432-003	Tuscaloosa	38	Leaves these counties for 2027. Members here must choose a new plan.
HealthSpring True Choice (PPO) Cigna HealthSpring	H7849-143	Elmore, Talladega	27	Leaves these counties for 2027. Members here must choose a new plan.
UHC Nursing Home Plan EX-F001 (PPO I-SNP) AARP (UnitedHealthcare)	H0710-004	Autauga	17	Leaves these counties for 2027. Members here must choose a new plan.
HealthSpring Preferred Plus (HMO) Cigna HealthSpring	H4513-087	Elmore	16	Leaves these counties for 2027. Members here must choose a new plan.
AARP Medicare Advantage from UHC AL-0002 (HMO-POS) AARP (UnitedHealthcare)	H0432-004	Tuscaloosa	13	Leaves these counties for 2027. Members here must choose a new plan.
HealthSpring Courage (HMO) Cigna HealthSpring	H4513-045	Elmore	10 or fewer	Leaves these counties for 2027. Members here must choose a new plan.
HealthSpring True Choice (PPO) Cigna HealthSpring	H7849-145	Russell	10 or fewer	Leaves these counties for 2027. Members here must choose a new plan.
HealthSpring Assurance Rx (PDP) Cigna HealthSpring	S5617-220	Statewide (Part D drug plan)	3,956+	Merged into HealthSpring Assurance Rx (PDP) (S5715-033) for 2027. Members are moved automatically and can still switch.
HealthSpring Extra Rx (PDP) Cigna HealthSpring	S5617-362	Statewide (Part D drug plan)	3,230+	Merged into HealthSpring Assurance Rx (PDP) (S5715-033) for 2027. Members are moved automatically and can still switch.
HealthSpring Preferred AL (HMO) Cigna HealthSpring	H4513-046	Autauga, Baldwin, Bibb, Blount and 20 more	1,207+	Merged into HealthSpring Preferred (HMO) (H4513-077) for 2027. Members are moved automatically and can still switch.
Found your plan on this list?A licensed agent reads your letter with you and goes over your options. No cost, 8 AM to midnight ET. Call 855-367-1095
HealthSpring Preferred (HMO) Cigna HealthSpring	H4513-077	Elmore	206	Merged into HealthSpring Preferred (HMO) (H4513-077) for 2027. Members are moved automatically and can still switch.

Full detail by company and county: Alabama Medicare plan changes for 2027. CMS hides county counts of 10 or fewer, so totals are at least the number shown.

Medicare Advantage plans available in Alabama for 2027

Checked 2026-10-17 against CMS's 2027 plan benefit and county files.

113 Medicare Advantage plans are offered in Alabama for 2027 by 8 companies. 59 are HMO plans and 54 are PPO plans. 48 are special needs plans, which only people who qualify (for example, people who also have Medicaid or a chronic condition) can join, so 65 are open to most people with Medicare. Depending on the county, you can choose from between 32 and 79 plans.

Compared with 2026: 116 plans were offered in Alabama in 2026, so the count is down by 3 for 2027. Listed in CMS's 2026 files but not its 2027 files: Cigna HealthCare (18 plans in 2026). A company can also appear to leave because it changed its name, so check your own plan's letter.

Plans by company, 2026 and 2027

Company	Plans in 2026	Plans in 2027	Change
Devoted Health	19	33	+14
Humana	21	20	−1
HealthSpring	18	18	no change
UnitedHealthcare	13	16	+3
Aetna Medicare	12	11	−1
VIVA Medicare	8	9	+1
Blue Cross and Blue Shield of Alabama	4	3	−1
Simpra Advantage	3	3	no change
Cigna HealthCare	18	0	not listed

Plans offered by county, 2026 and 2027

County	Plans in 2026	Plans in 2027	Change
Autauga	64	71	+7
Baldwin	64	76	+12
Barbour	51	58	+7
Bibb	64	72	+8
Blount	64	76	+12
Bullock	57	65	+8
Butler	53	60	+7
Calhoun	46	58	+12
Chambers	56	66	+10
Cherokee	57	65	+8
Chilton	64	74	+10
Choctaw	42	42	no change
Clarke	42	44	+2
Clay	51	58	+7
Cleburne	51	57	+6
Coffee	42	42	no change
Colbert	61	68	+7
Conecuh	36	38	+2
Coosa	59	65	+6
Covington	42	42	no change
Crenshaw	57	65	+8
Cullman	65	72	+7
Dale	45	46	+1
Dallas	62	70	+8
DeKalb	53	60	+7
Elmore	63	66	+3
Escambia	51	60	+9
Etowah	64	65	+1
Fayette	46	47	+1
Franklin	47	56	+9
Geneva	43	46	+3
Greene	42	42	no change
Hale	42	42	no change
Henry	43	46	+3
Houston	44	50	+6
Jackson	58	67	+9
Jefferson	65	78	+13
Lamar	40	53	+13
Lauderdale	63	68	+5
Lawrence	58	65	+7
Lee	45	49	+4
Limestone	62	71	+9
Lowndes	62	70	+8
Macon	56	67	+11
Madison	66	76	+10
Marengo	42	42	no change
Marion	52	62	+10
Marshall	63	68	+5
Mobile	67	79	+12
Monroe	36	38	+2
Montgomery	62	73	+11
Morgan	62	71	+9
Perry	48	48	no change
Pickens	42	46	+4
Pike	57	67	+10
Randolph	48	56	+8
Russell	55	64	+9
Shelby	63	77	+14
St. Clair	66	71	+5
Sumter	36	38	+2
Talladega	65	67	+2
Tallapoosa	55	65	+10
Tuscaloosa	43	32	−11
Walker	65	78	+13
Washington	42	52	+10
Wilcox	42	41	−1
Winston	53	59	+6

Counts include special needs plans. A plan can be offered in only part of a state, so the plans you can choose depend on your county. Which plans keep your doctors and cover your medicines is not in the CMS files; a licensed agent checks that for you.

Ready to enroll in a Alabama plan?

Call 855-367-1095 to enroll

No cost. No obligation. Not the government. Speak with a licensed insurance agent (TTY 711).

Will a 2027 plan keep your doctors and cover your prescriptions?

The public plan sites can't tell you that without a lot of clicking, and some 2027 plans aren't on them until October 15. Give us your doctors and your prescriptions and a licensed agent checks every 2027 plan in your county against your list, then calls you with the two or three that fit. No cost, no obligation.

Got a letter saying your Medicare plan is leaving or won't renew?

A non-renewal letter means your specific plan won't continue in your county after December 31, 2026. It doesn't mean you lose Medicare, and it usually doesn't mean your insurance company is leaving Medicare altogether. You can choose a new Medicare Advantage plan, or move to Original Medicare with a Medigap plan and a Part D drug plan.

Medicare Advantage in Alabama today

At least 558,357 Alabama residents are in an individual Medicare Advantage plan (90 plans from 8 companies across 67 counties in 2026).
Largest carriers by members: UnitedHealthcare (147,716), Humana (129,024), Blue Cross and Blue Shield of Alabama (113,910), HealthSpring (51,862), VIVA Medicare (51,445), Aetna (35,980).
Last year, 23 Alabama Medicare Advantage plans ended or dropped counties for 2026, affecting about 18,961 members, most from Aetna, Cigna Healthcare, UnitedHealthcare.

My Medicare Advantage plan is ending. What are my deadlines?

Your current plan keeps working through December 31, 2026. Doctors, prescriptions and benefits work as usual until then.
Open Enrollment, October 15, 2026 to December 7, 2026: pick a new plan now and it starts January 1, 2027, with no gap.
Your extra window, December 8, 2026 to February 28, 2027: because your plan is being discontinued, you get a Special Enrollment Period on top of Open Enrollment. An enrollment request received December 8-31 is effective January 1; received in January, effective February 1; received in February, effective March 1.
Medigap guaranteed issue: apply as early as November 1, 2026, and no later than March 4, 2027 (63 days after your coverage ends).

What happens if I do nothing when my plan is cancelled?

You don't lose Medicare. If you don't choose a new plan, you're moved to Original Medicare (Parts A and B) on January 1, 2027. Original Medicare doesn't include prescription drug coverage, so you'd need to join a separate Part D plan. Going 63 days or more without creditable drug coverage can mean a permanent late-enrollment penalty.

Can I switch to a Medicare Supplement (Medigap) plan without health questions?

Usually yes. When a Medicare Advantage plan leaves your area or stops offering coverage, federal law gives you a guaranteed issue right: a Medigap company must sell you Plan A, B, D or G (or C or F if you were eligible for Medicare before January 1, 2020), can't charge more for past or present health problems, and can't refuse you, as long as you switch to Original Medicare. Some states add more rights than this. Keep your non-renewal letter; it can serve as proof.

How Medigap guaranteed issue works when your plan ends

Losing your Advantage plan this year? Moving to Medigap | Medigap or another Advantage plan? | Moving to Medigap, step by step

What to check before choosing a replacement plan

Are your doctors, specialists and hospitals in the new plan's network?
Are your prescriptions on its drug list, and is your pharmacy covered?
Premium, deductible, copays and maximum out-of-pocket
HMO or PPO, and any extra benefits (dental, vision, hearing) that matter to you
Medicare Advantage vs. Original Medicare with Medigap and a Part D plan

Free Medicare tools

Questions about Alabama Medicare plans ending

Which Medicare Advantage plans are ending in Alabama for 2027?

The list on this page comes straight from CMS's 2027 plan files: every plan that won't renew, or won't be offered in a county, in Alabama. It covers several carriers.

Is my Medicare Advantage plan being cancelled in Alabama?

If your plan won't continue, you'll get a non-renewal letter by October 2, 2026. Your Annual Notice of Change (ANOC) lists what's changing if your plan does continue. Your plan stays in force through December 31, 2026 either way.

How many people in Alabama lost their Medicare Advantage plan last year?

For 2026, CMS's files show 23 Medicare Advantage plans ended or dropped counties in Alabama, affecting about 18,961 members across 64 counties.

What happens if I don't pick a new plan after my Medicare Advantage plan ends?

You don't lose Medicare. If you don't choose anything, you're moved to Original Medicare (Parts A and B) on January 1, 2027. Original Medicare doesn't include drug coverage, so you'd need to join a separate Part D plan, and going 63 days or more without creditable drug coverage can mean a late-enrollment penalty.

How long do I have to switch after my Medicare Advantage plan is discontinued?

You can switch during Open Enrollment, October 15, 2026 to December 7, 2026, for coverage starting January 1. Because your plan is ending, you also get a Special Enrollment Period from December 8, 2026 through February 28, 2027. An enrollment request received December 8-31 is effective January 1; received in January, effective February 1; received in February, effective March 1. Choosing by December 7, 2026 avoids any gap.

Can I get a Medicare Supplement (Medigap) plan without health questions if my plan is ending?

Usually yes. When a Medicare Advantage plan leaves your area or stops offering coverage, you have a guaranteed issue right to buy Medigap Plan A, B, D or G (and C or F if you were eligible for Medicare before January 1, 2020) without medical underwriting, as long as you move to Original Medicare. You can apply as early as 60 days before your coverage ends and no later than 63 days after (March 4, 2027). Some states give more rights than this.

Why did I get a letter saying my Medicare plan won't renew?

Plans that won't continue next year must mail members a non-renewal notice by October 2, 2026. It means your current plan ends December 31, 2026, not that you lose Medicare. Keep the letter: it shows which plan is ending and helps prove your enrollment rights.

Will my doctors still be covered on a new plan in Alabama?

It depends on the plan you choose. Before switching, check that your doctors, specialists and hospitals are in the new plan's network, your prescriptions are on its drug list, and your pharmacy is covered. With Original Medicare plus Medigap, you can see any provider that accepts Medicare.

Which Medicare Advantage plans are available in Alabama for 2027?

CMS's 2027 files list 113 Medicare Advantage plans offered in Alabama by 8 companies: Devoted Health (33 plans), Humana (20 plans), HealthSpring (18 plans), UnitedHealthcare (16 plans), Aetna Medicare (11 plans), and others. 48 of them are special needs plans, which only people who qualify can join. Which plans you can actually choose depends on your county.

I just found out my plan is ending. Do I need to decide right away?

No. Your plan works through December 31, 2026. You can choose a new plan from October 15 to December 7, and because your plan is ending you also get a Special Enrollment Period from December 8 through February 28, 2027. Deciding earlier just means your new plan is settled before January 1.

Will I get pressured into a sales call if I ask for help?

No. A licensed agent looks at the plans available where you live in Alabama, explains what changes for you, and you decide. There is no cost to you and no obligation to enroll in anything. Calls are recorded, as Medicare requires.

How do I know my plan is on this list?

Type your plan name or the plan ID from your member card into the box above the table. The list comes from CMS's own 2026 and 2027 plan files. Your plan's written notice is the final word; if the two disagree, trust the letter and have a licensed agent check it with you.

Is your Alabama Medicare plan ending?

Call to check your plan and compare what's available where you live, with licensed Medicare help.

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Sources

Last updated 2026-10-06. Plan counts come from CMS files; CMS doesn't publish county counts of 10 or fewer members, so totals are at least the number shown.