Montana Medicare

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

18 Montana Medicare plans end or leave counties for 2027, per CMS; 35,195 people must choose a new plan. Another 2 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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You can enroll in a 2027 Medicare plan from October 15 through December 7.

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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 Montana 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: SilverScript (16,641 members), Blue Cross (12,684 members), AARP (3,727 members). CMS's 2027 Plan Crosswalk says 18 Montana Medicare Advantage and Part D plans end or leave counties for 2027, with at least 35,195 people enrolled who must choose a new plan. Another 2 plans (2,810 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.

SilverScript (Aetna (CVS Health)): 1 plan ends or leaves counties (16,641 members) county detail
Blue Cross: 6 plans end or leave counties (12,684 members) county detail
AARP (UnitedHealthcare): 4 plans end or leave counties (3,727 members) county detail
PacificSource: 2 plans end or leave counties (1,103 members) county detail
Humana: 5 plans end or leave counties (1,040 members) county detail
Cigna HealthSpring: no plans ending; 2 merged or renumbered (2,810 members) county detail

20 Montana 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
SilverScript Choice (PDP) SilverScript (Aetna)	S5601-050	Statewide (Part D drug plan)	16,641+	Ends December 31, 2026. Members must choose a new plan. 16,641 of them are in counties where this company has no 2027 plan at all.
Blue Cross Medicare Advantage Classic (PPO) Blue Cross	H0107-003	Beaverhead, Big Horn, Broadwater, Carbon and 35 more	7,133+	Ends December 31, 2026. Members must choose a new plan.
AARP Medicare Advantage from UHC MT-0002 (PPO) AARP (UnitedHealthcare)	H8211-009	Big Horn, Flathead, Glacier, Golden Valley and 4 more	2,296	Ends December 31, 2026. Members must choose a new plan.
Blue Cross Medicare Advantage Choice Plus (PPO) Blue Cross	H0107-005	Cascade, Chouteau, Custer, Fergus and 17 more	2,166+	Ends December 31, 2026. Members must choose a new plan.
Blue Cross Medicare Advantage Optimum (PPO) Blue Cross	H0107-004	Beaverhead, Big Horn, Broadwater, Carbon and 35 more	1,761+	Ends December 31, 2026. Members must choose a new plan.
AARP Medicare Advantage from UHC MT-0001 (PPO) AARP (UnitedHealthcare)	H8211-007	Big Horn, Flathead, Glacier, Golden Valley and 4 more	1,085	Ends December 31, 2026. Members must choose a new plan.
PacificSource Medicare MyCare Choice Rx 29 (HMO-POS) PacificSource	H3864-029	Yellowstone	1,076	Ends December 31, 2026. Members must choose a new plan. 1,076 of them are in counties where this company has no 2027 plan at all.
Blue Cross Medicare Advantage Dental Premier (PPO) Blue Cross	H0107-007	Cascade, Chouteau, Custer, Fergus and 17 more	842+	Ends December 31, 2026. Members must choose a new plan.
Blue Cross Medicare Advantage Health Choice (PPO) Blue Cross	H0107-010	Cascade, Chouteau, Custer, Fergus and 17 more	782+	Ends December 31, 2026. Members must choose a new plan.
HumanaChoice H5216-457 (PPO) Humana	H5216-457	Chouteau, Stillwater	652	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
Humana Gold Plus H6622-007 (HMO) Humana	H6622-007	Lake	228	Leaves these counties for 2027. Members here must choose a new plan.
AARP Medicare Advantage Patriot No Rx MT-MA01 (PPO) AARP (UnitedHealthcare)	H8211-010	Big Horn, Flathead, Glacier, Golden Valley and 4 more	214+	Ends December 31, 2026. Members must choose a new plan.
AARP Medicare Advantage Access from UHC MT-3 (PPO) AARP (UnitedHealthcare)	H8211-012	Big Horn, Flathead, Glacier, Golden Valley and 4 more	132+	Ends December 31, 2026. Members must choose a new plan.
Humana USAA Honor Giveback (PPO) Humana	H5525-031	Lake	70	Leaves these counties for 2027. Members here must choose a new plan.
Humana Gold Plus SNP-DE H6622-008 (HMO D-SNP) Humana	H6622-008	Park	51	Leaves these counties for 2027. Members here must choose a new plan.
HumanaChoice H5525-054 (PPO) Humana	H5525-054	Lake	39	Leaves these counties for 2027. Members here must choose a new plan.
PacificSource Medicare MyCare Choice 30 (HMO-POS) PacificSource	H3864-030	Yellowstone	27	Ends December 31, 2026. Members must choose a new plan. 27 of them are in counties where this company has no 2027 plan at all.
Blue Cross Medicare Advantage Protect (PPO) Blue Cross	H0107-011	Cascade, Chouteau, Custer, Fergus and 17 more	10 or fewer	Ends December 31, 2026. Members must choose a new plan.
HealthSpring Extra Rx (PDP) Cigna HealthSpring	S5617-375	Statewide (Part D drug plan)	1,724+	Merged into HealthSpring Assurance Rx (PDP) (S5715-043) for 2027. Members are moved automatically and can still switch.
HealthSpring Assurance Rx (PDP) Cigna HealthSpring	S5617-123	Statewide (Part D drug plan)	1,086+	Merged into HealthSpring Assurance Rx (PDP) (S5715-043) for 2027. Members are moved automatically and can still switch.

Full detail by company and county: Montana 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 Montana for 2027

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

23 Medicare Advantage plans are offered in Montana for 2027 by 3 companies. 3 are HMO plans and 17 are PPO plans, with 3 private fee-for-service. 4 are special needs plans, which only people who qualify (for example, people who also have Medicaid or a chronic condition) can join, so 19 are open to most people with Medicare. Depending on the county, you can choose from between 2 and 17 plans.

Compared with 2026: 32 plans were offered in Montana in 2026, so the count is down by 9 for 2027. New to Montana for 2027: Range Health (3 plans). Listed in CMS's 2026 files but not its 2027 files: Blue Cross and Blue Shield of Montana (6 plans in 2026), PacificSource Medicare (2 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
Humana	17	17	no change
Range Health	0	3	new
UnitedHealthcare	7	3	−4
Blue Cross and Blue Shield of Montana	6	0	not listed
PacificSource Medicare	2	0	not listed

Plans offered by county, 2026 and 2027

County	Plans in 2026	Plans in 2027	Change
Beaverhead	9	7	−2
Big Horn	15	9	−6
Broadwater	11	11	no change
Carbon	11	9	−2
Cascade	21	17	−4
Chouteau	17	10	−7
Daniels	2	2	no change
Deer Lodge	12	10	−2
Fallon	2	2	no change
Fergus	15	9	−6
Flathead	25	17	−8
Gallatin	15	13	−2
Garfield	2	2	no change
Glacier	19	9	−10
Golden Valley	19	9	−10
Granite	11	9	−2
Jefferson	12	12	no change
Judith Basin	16	10	−6
Lake	16	7	−9
Lewis and Clark	16	16	no change
Liberty	15	9	−6
Lincoln	13	11	−2
Madison	11	9	−2
Meagher	15	9	−6
Mineral	15	9	−6
Missoula	16	14	−2
Musselshell	14	8	−6
Park	11	8	−3
Petroleum	2	2	no change
Phillips	2	2	no change
Pondera	17	11	−6
Powder River	2	2	no change
Powell	12	10	−2
Prairie	2	2	no change
Ravalli	16	10	−6
Roosevelt	2	2	no change
Rosebud	15	9	−6
Sanders	16	12	−4
Silver Bow	13	11	−2
Stillwater	11	10	−1
Sweet Grass	13	7	−6
Teton	18	14	−4
Toole	14	8	−6
Treasure	8	8	no change
Valley	2	2	no change
Wheatland	13	7	−6
Yellowstone	26	16	−10

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 Montana 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 Montana today

At least 73,154 Montana residents are in an individual Medicare Advantage plan (31 plans from 4 companies across 50 counties in 2026).
Largest carriers by members: Humana (54,214), Blue Cross and Blue Shield of Montana (12,684), UnitedHealthcare (5,153), PacificSource Medicare (1,103).
Last year, 14 Montana Medicare Advantage plans ended or dropped counties for 2026, affecting about 10,072 members, most from Blue Cross and Blue Shield of Montana, UnitedHealthcare, Humana.

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 Montana Medicare plans ending

Which Medicare Advantage plans are ending in Montana 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 Montana. It covers several carriers.

Is my Medicare Advantage plan being cancelled in Montana?

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 Montana lost their Medicare Advantage plan last year?

For 2026, CMS's files show 14 Medicare Advantage plans ended or dropped counties in Montana, affecting about 10,072 members across 38 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 Montana?

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 Montana for 2027?

CMS's 2027 files list 23 Medicare Advantage plans offered in Montana by 3 companies: Humana (17 plans), Range Health (3 plans), UnitedHealthcare (3 plans). 4 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 Montana, 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 Montana 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.