North Carolina Medicare
Medicare Advantage Plans in North Carolina for 2027: What's Ending and What's Available
37 North Carolina Medicare plans end or leave counties for 2027, per CMS; 33,721 people must choose a new plan. Another 10 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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No cost. No obligation. Not the government. Speak with a licensed insurance agent (TTY 711).
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 North Carolina 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: Humana (17,504 members), Cigna HealthSpring (6,450 members), HealthTeam (3,654 members). CMS's 2027 Plan Crosswalk says 37 North Carolina Medicare Advantage and Part D plans end or leave counties for 2027, with at least 33,721 people enrolled who must choose a new plan. Another 10 plans (163,270 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.
- Humana: 8 plans end or leave counties (17,504 members) county detail
- Cigna HealthSpring: 8 plans end or leave counties (6,450 members); 2 merged or renumbered (15,842 members) county detail
- HealthTeam (Risant Health): 1 plan ends or leaves counties (3,654 members) county detail
- Blue (CuraCor Solutions): 2 plans end or leave counties (3,004 members); 1 merged or renumbered (1,945 members) county detail
- Erickson (UnitedHealthcare): 9 plans end or leave counties (1,034 members); 3 merged or renumbered (137,986 members) county detail
- Wellcare / Ambetter: 1 plan ends or leaves counties (1,033 members); 1 merged or renumbered (703 members) county detail
- Aetna: 6 plans end or leave counties (992 members); 2 merged or renumbered (1,662 members) county detail
- Provider Partners North (Rifkin Managed Care Holding): 2 plans end or leave counties (50 members) county detail
| Plan | Plan ID | Counties | Members | What CMS says for 2027 |
|---|---|---|---|---|
| Humana Gold Plus H1036-335 (HMO-POS) Humana | H1036-335 | Cabarrus, Cleveland, Columbus, Graham and 8 more | 9,771 | Leaves these counties for 2027. Members here must choose a new plan. |
| HealthTeam Advantage Diabetes & Heart Care (HMO C-SNP) HealthTeam (Risant Health) | H2624-001 | Alamance, Davidson, Davie, Forsyth and 3 more | 3,654 | Ends December 31, 2026. Members must choose a new plan. |
| HumanaChoice H5525-050 (PPO) Humana | H5525-050 | Alamance, Alexander, Alleghany, Anson and 89 more | 3,522+ | Ends December 31, 2026. Members must choose a new plan. |
| Blue Medicare Choice (HMO) Blue (CuraCor Solutions) | H3449-026 | Alamance, Davidson, Forsyth, Guilford and 4 more | 2,796 | Ends December 31, 2026. Members must choose a new plan. |
| HealthSpring Preferred Plus (HMO) Cigna HealthSpring | H9725-017 | Alamance, Alexander, Alleghany, Anson and 33 more | 2,696+ | Ends December 31, 2026. Members must choose a new plan. |
| HumanaChoice Giveback H5525-035 (PPO) Humana | H5525-035 | Cabarrus, Cherokee, Clay, Gates and 2 more | 2,025 | Leaves these counties for 2027. Members here must choose a new plan. |
| HealthSpring Preferred Select (HMO) Cigna HealthSpring | H9725-014 | Alamance, Durham, Forsyth, Guilford and 4 more | 1,960 | Ends December 31, 2026. Members must choose a new plan. |
| HumanaChoice H5525-083 (PPO) Humana | H5525-083 | Alamance, Alexander, Alleghany, Anson and 90 more | 1,085+ | Ends December 31, 2026. Members must choose a new plan. |
| Wellcare Giveback Open (PPO) Wellcare / Ambetter | H1914-010 | Alamance, Alexander, Alleghany, Anson and 66 more | 1,033+ | Ends December 31, 2026. Members must choose a new plan. |
| Humana Gold Plus H1036-137 (HMO-POS) Humana | H1036-137 | Cabarrus, Cleveland, Montgomery | 1,014 | 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. | ||||
| HealthSpring Preferred Savings (HMO) Cigna HealthSpring | H9725-015 | Avery, Buncombe, Burke, Chatham and 9 more | 949+ | Leaves these counties for 2027. Members here must choose a new plan. |
| HealthSpring Preferred (HMO) Cigna HealthSpring | H9725-009 | Avery, Buncombe, Burke, Chatham and 9 more | 781 | Leaves these counties for 2027. Members here must choose a new plan. |
| AARP Medicare Advantage Access from UHC NC-23 (PPO) Erickson (UnitedHealthcare) | H2001-084 | Alamance, Alexander, Alleghany, Anson and 95 more | 771+ | Ends December 31, 2026. Members must choose a new plan. |
| Aetna Medicare Signature (PPO) Aetna | H5521-236 | Rutherford | 440 | Leaves these counties for 2027. Members here must choose a new plan. |
| Blue Medicare Enhanced (HMO-POS) Blue (CuraCor Solutions) | H3449-024 | Bertie, Hyde, Montgomery, Pasquotank and 3 more | 208+ | Leaves these counties for 2027. Members here must choose a new plan. |
| Aetna Medicare Signature (HMO) Aetna | H3146-001 | Iredell | 194 | Leaves these counties for 2027. Members here must choose a new plan. |
| Aetna Medicare Signature Giveback (PPO) Aetna | H5521-348 | Rutherford | 156 | Leaves these counties for 2027. Members here must choose a new plan. |
| Erickson Advantage Signature (HMO-POS) Erickson (UnitedHealthcare) | H5652-001 | Mecklenburg | 156 | Ends December 31, 2026. Members must choose a new plan. |
| Aetna Medicare Value Plus (HMO) Aetna | H3146-006 | Rutherford | 143 | Leaves these counties for 2027. Members here must choose a new plan. |
| HealthSpring True Choice (PPO) Cigna HealthSpring | H7849-113 | Avery, Buncombe, Burke, Chatham and 9 more | 51+ | 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. | ||||
| Humana Dual Select H6622-027 (HMO-POS D-SNP) Humana | H6622-027 | Clay, Polk | 47 | Leaves these counties for 2027. Members here must choose a new plan. |
| Aetna Medicare Dual (HMO D-SNP) Aetna | H3146-002 | Rutherford | 45 | Leaves these counties for 2027. Members here must choose a new plan. |
| Humana Gold Plus H6622-026 (HMO-POS) Humana | H6622-026 | Cherokee | 40 | Leaves these counties for 2027. Members here must choose a new plan. |
| Erickson Advantage Liberty (HMO-POS) Erickson (UnitedHealthcare) | H5652-008 | Mecklenburg | 39 | Ends December 31, 2026. Members must choose a new plan. |
| AARP Medicare Advantage Patriot No Rx NC-MA01 (PPO) Erickson (UnitedHealthcare) | H2001-103 | Alleghany, Ashe, Watauga | 30+ | Leaves these counties for 2027. Members here must choose a new plan. |
| Provider Partners North Carolina Community Plan (HMO I-SNP) Provider Partners North (Rifkin Managed Care Holding) | H4439-002 | Cabarrus, Catawba, Davidson, Davie and 10 more | 25+ | Ends December 31, 2026. Members must choose a new plan. |
| Provider Partners North Carolina Essential Plan (HMO I-SNP) Provider Partners North (Rifkin Managed Care Holding) | H4439-003 | Cabarrus, Catawba, Davidson, Davie and 10 more | 25+ | Ends December 31, 2026. Members must choose a new plan. |
| Erickson Advantage Liberty no Rx (HMO-POS) Erickson (UnitedHealthcare) | H5652-002 | Mecklenburg | 21 | Ends December 31, 2026. Members must choose a new plan. |
| Erickson Advantage Freedom (HMO-POS) Erickson (UnitedHealthcare) | H5652-006 | Mecklenburg | 17 | Ends December 31, 2026. Members must choose a new plan. |
| Aetna Medicare Eagle Giveback (PPO) Aetna | H5521-241 | Rutherford | 14 | 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. | ||||
| HealthSpring Courage (HMO) Cigna HealthSpring | H9725-005 | Avery, Buncombe, Burke, Chatham and 9 more | 13+ | Leaves these counties for 2027. Members here must choose a new plan. |
| Erickson Advantage Champion (HMO-POS C-SNP) Erickson (UnitedHealthcare) | H5652-004 | Mecklenburg | 10 or fewer | Ends December 31, 2026. Members must choose a new plan. |
| Erickson Advantage Guardian (HMO-POS I-SNP) Erickson (UnitedHealthcare) | H5652-003 | Mecklenburg | 10 or fewer | Ends December 31, 2026. Members must choose a new plan. |
| HealthSpring TotalCare (HMO D-SNP) Cigna HealthSpring | H9725-003 | Avery, Buncombe, Burke, Chatham and 9 more | 10 or fewer | Leaves these counties for 2027. Members here must choose a new plan. |
| HealthSpring TotalCare Plus (HMO D-SNP) Cigna HealthSpring | H9725-013 | Avery, Buncombe, Burke, Chatham and 9 more | 10 or fewer | Leaves these counties for 2027. Members here must choose a new plan. |
| Humana Gold Plus H6622-025 (HMO-POS) Humana | H6622-025 | Avery | 10 or fewer | Leaves these counties for 2027. Members here must choose a new plan. |
| UHC Nursing Home Plan NC-F001 (PPO I-SNP) Erickson (UnitedHealthcare) | H0710-034 | Catawba, Cleveland, Columbus, Johnston | 10 or fewer | Leaves these counties for 2027. Members here must choose a new plan. |
| UHC Dual Complete NC-S3 (HMO-POS D-SNP) Erickson (UnitedHealthcare) | H5253-184 | Alamance, Alexander, Alleghany, Anson and 96 more | 85,327 | Continues for 2027 as UHC Dual Complete NC-S3 (HMO-POS D-SNP) (H5253-216). Members keep their plan. |
| UHC Dual Complete NC-D001 (HMO-POS D-SNP) Erickson (UnitedHealthcare) | H5253-041 | Alamance, Alexander, Alleghany, Anson and 96 more | 49,054 | Continues for 2027 as UHC Dual Complete NC-Q2 (HMO-POS D-SNP) (H5253-217). Members keep their plan. |
| HealthSpring Extra Rx (PDP) Cigna HealthSpring | S5617-358 | Statewide (Part D drug plan) | 8,126+ | Merged into HealthSpring Assurance Rx (PDP) (S5715-029) 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. | ||||
| HealthSpring Assurance Rx (PDP) Cigna HealthSpring | S5617-217 | Statewide (Part D drug plan) | 7,716+ | Merged into HealthSpring Assurance Rx (PDP) (S5715-029) for 2027. Members are moved automatically and can still switch. |
| Alignment Health Platinum (HMO) Alignment Healthcare USA | H5296-003 | Avery, Buncombe, Chatham, Davidson and 12 more | 5,132+ | Merged into Alignment Health Platinum 010 (HMO) (H5296-010) for 2027. Members are moved automatically and can still switch. |
| AARP Medicare Advantage from UHC NC-0008 (HMO-POS) Erickson (UnitedHealthcare) | H5253-079 | Avery, Buncombe, Burke, Cherokee and 13 more | 3,605 | Merged into AARP Medicare Advantage from UHC NC-24 (HMO-POS) (H5253-185) for 2027. Members are moved automatically and can still switch. |
| Experience Health Medicare Advantage (HMO) Blue (CuraCor Solutions) | H3777-002 | Durham, Franklin, Granville, Lee and 4 more | 1,945 | Merged into Blue Medicare Essential Plus (HMO-POS) (H3449-023) for 2027. Members are moved automatically and can still switch. |
| Aetna Medicare Signature Care (HMO) Aetna | H3146-021 | Alamance, Cabarrus, Cumberland, Davidson and 10 more | 1,350+ | Merged into Aetna Medicare Signature (HMO) (H3146-004) for 2027. Members are moved automatically and can still switch. |
| Wellcare Dual Access (HMO-POS D-SNP) Wellcare / Ambetter | H4073-002 | Alamance, Alexander, Alleghany, Anson and 67 more | 703+ | Merged into Wellcare Carolina Complete Dual Liberty (HMO-POS D-SNP) (H4073-004) for 2027. Members are moved automatically and can still switch. |
| Aetna Medicare Signature (HMO) Aetna | H3146-004 | Johnston | 312 | Merged into Aetna Medicare Signature (HMO) (H3146-004) for 2027. Members are moved automatically and can still switch. |
Full detail by company and county: North Carolina 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 North Carolina for 2027
Checked 2026-10-17 against CMS's 2027 plan benefit and county files.
179 Medicare Advantage plans are offered in North Carolina for 2027 by 16 companies. 122 are HMO plans and 56 are PPO plans, with 1 private fee-for-service. 59 are special needs plans, which only people who qualify (for example, people who also have Medicaid or a chronic condition) can join, so 120 are open to most people with Medicare. Depending on the county, you can choose from between 20 and 97 plans.
Compared with 2026: 195 plans were offered in North Carolina in 2026, so the count is down by 16 for 2027. Listed in CMS's 2026 files but not its 2027 files: Cigna HealthCare (20 plans in 2026), Experience Health (1 plan 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 | 20 | 37 | +17 |
| Humana | 31 | 31 | no change |
| UnitedHealthcare | 35 | 29 | −6 |
| Aetna Medicare | 19 | 21 | +2 |
| Blue Cross and Blue Shield of North Carolina | 15 | 14 | −1 |
| HealthSpring | 20 | 13 | −7 |
| Alignment Health Plan | 7 | 8 | +1 |
| Wellcare | 9 | 7 | −2 |
| HealthTeam Advantage | 5 | 5 | no change |
| Liberty Medicare Advantage | 3 | 3 | no change |
| Provider Partners Health Plans | 3 | 3 | no change |
| NHC Advantage | 2 | 2 | no change |
| PruittHealth Premier | 1 | 2 | +1 |
| Troy Medicare | 2 | 2 | no change |
| AmeriHealth Caritas VIP Care | 1 | 1 | no change |
| Longevity Health Plan | 1 | 1 | no change |
| Cigna HealthCare | 20 | 0 | not listed |
| Experience Health | 1 | 0 | not listed |
Plans offered by county, 2026 and 2027
| County | Plans in 2026 | Plans in 2027 | Change |
|---|---|---|---|
| Alamance | 89 | 87 | −2 |
| Alexander | 76 | 75 | −1 |
| Alleghany | 63 | 64 | +1 |
| Anson | 76 | 75 | −1 |
| Ashe | 56 | 57 | +1 |
| Avery | 77 | 69 | −8 |
| Beaufort | 38 | 37 | −1 |
| Bertie | 39 | 37 | −2 |
| Bladen | 66 | 67 | +1 |
| Brunswick | 58 | 63 | +5 |
| Buncombe | 86 | 79 | −7 |
| Burke | 77 | 69 | −8 |
| Cabarrus | 81 | 84 | +3 |
| Caldwell | 71 | 71 | no change |
| Camden | 37 | 35 | −2 |
| Carteret | 20 | 20 | no change |
| Caswell | 70 | 71 | +1 |
| Catawba | 85 | 83 | −2 |
| Chatham | 76 | 64 | −12 |
| Cherokee | 50 | 49 | −1 |
| Chowan | 37 | 37 | no change |
| Clay | 60 | 59 | −1 |
| Cleveland | 73 | 69 | −4 |
| Columbus | 69 | 67 | −2 |
| Craven | 22 | 22 | no change |
| Cumberland | 63 | 64 | +1 |
| Currituck | 41 | 42 | +1 |
| Dare | 28 | 30 | +2 |
| Davidson | 98 | 96 | −2 |
| Davie | 93 | 93 | no change |
| Duplin | 51 | 48 | −3 |
| Durham | 74 | 69 | −5 |
| Edgecombe | 42 | 41 | −1 |
| Forsyth | 99 | 97 | −2 |
| Franklin | 59 | 55 | −4 |
| Gaston | 80 | 83 | +3 |
| Gates | 42 | 41 | −1 |
| Graham | 61 | 59 | −2 |
| Granville | 55 | 53 | −2 |
| Greene | 53 | 48 | −5 |
| Guilford | 98 | 97 | −1 |
| Halifax | 46 | 45 | −1 |
| Harnett | 60 | 59 | −1 |
| Haywood | 71 | 72 | +1 |
| Henderson | 83 | 77 | −6 |
| Hertford | 41 | 40 | −1 |
| Hoke | 59 | 57 | −2 |
| Hyde | 43 | 42 | −1 |
| Iredell | 79 | 78 | −1 |
| Jackson | 61 | 62 | +1 |
| Johnston | 75 | 61 | −14 |
| Jones | 46 | 42 | −4 |
| Lee | 54 | 51 | −3 |
| Lenoir | 42 | 41 | −1 |
| Lincoln | 78 | 77 | −1 |
| Macon | 50 | 54 | +4 |
| Madison | 76 | 69 | −7 |
| Martin | 51 | 50 | −1 |
| McDowell | 82 | 75 | −7 |
| Mecklenburg | 94 | 89 | −5 |
| Mitchell | 78 | 69 | −9 |
| Montgomery | 62 | 65 | +3 |
| Moore | 62 | 62 | no change |
| Nash | 44 | 42 | −2 |
| New Hanover | 57 | 66 | +9 |
| Northampton | 41 | 38 | −3 |
| Onslow | 22 | 21 | −1 |
| Orange | 81 | 74 | −7 |
| Pamlico | 40 | 40 | no change |
| Pasquotank | 40 | 39 | −1 |
| Pender | 60 | 64 | +4 |
| Perquimans | 39 | 38 | −1 |
| Person | 74 | 73 | −1 |
| Pitt | 41 | 41 | no change |
| Polk | 74 | 66 | −8 |
| Randolph | 87 | 87 | no change |
| Richmond | 62 | 60 | −2 |
| Robeson | 57 | 54 | −3 |
| Rockingham | 85 | 88 | +3 |
| Rowan | 80 | 86 | +6 |
| Rutherford | 64 | 60 | −4 |
| Sampson | 53 | 51 | −2 |
| Scotland | 59 | 55 | −4 |
| Stanly | 63 | 62 | −1 |
| Stokes | 82 | 84 | +2 |
| Surry | 48 | 56 | +8 |
| Swain | 62 | 60 | −2 |
| Transylvania | 76 | 71 | −5 |
| Tyrrell | 45 | 43 | −2 |
| Union | 87 | 85 | −2 |
| Vance | 56 | 53 | −3 |
| Wake | 77 | 63 | −14 |
| Warren | 55 | 53 | −2 |
| Washington | 40 | 37 | −3 |
| Watauga | 54 | 50 | −4 |
| Wayne | 42 | 41 | −1 |
| Wilkes | 83 | 84 | +1 |
| Wilson | 45 | 40 | −5 |
| Yadkin | 79 | 79 | no change |
| Yancey | 72 | 63 | −9 |
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 North Carolina plan?
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 North Carolina today
- At least 1,094,140 North Carolina residents are in an individual Medicare Advantage plan (155 plans from 17 companies across 100 counties in 2026).
- Largest carriers by members: UnitedHealthcare (387,833), Humana (277,520), Blue Cross and Blue Shield of North Carolina (179,379), Aetna (124,151), Devoted Health (37,115), HealthSpring (31,819).
- Last year, 30 North Carolina Medicare Advantage plans ended or dropped counties for 2026, affecting about 36,124 members, most from Aetna, UnitedHealthcare, FirstMedicare Direct.
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 North Carolina Medicare plans ending
Which Medicare Advantage plans are ending in North Carolina 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 North Carolina. It covers several carriers.
Is my Medicare Advantage plan being cancelled in North Carolina?
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 North Carolina lost their Medicare Advantage plan last year?
For 2026, CMS's files show 30 Medicare Advantage plans ended or dropped counties in North Carolina, affecting about 36,124 members across 96 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 North Carolina?
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 North Carolina for 2027?
CMS's 2027 files list 179 Medicare Advantage plans offered in North Carolina by 16 companies: Devoted Health (37 plans), Humana (31 plans), UnitedHealthcare (29 plans), Aetna Medicare (21 plans), Blue Cross and Blue Shield of North Carolina (14 plans), and others. 59 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 North Carolina, 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 North Carolina Medicare plan ending?
Call to check your plan and compare what's available where you live, with licensed Medicare help.
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- Educational starting point
GetFastRates.com is not connected with or endorsed by the U.S. government or the federal Medicare program. Calling connects you with licensed insurance help. Plan availability, costs, benefits, and enrollment rules can vary by state, carrier, and individual situation.
Sources
- CMS Monthly Enrollment by Contract/Plan/State/County (2026-09)
- CMS Medicare Advantage and Part D Enrollment and Disenrollment Guidance, section 30.6.10 (SEP for non-renewals and service-area reductions)
- Medicare.gov: Choosing a Medigap Policy (guaranteed issue rights)
- Medicare.gov: Special Enrollment Periods
- 42 CFR 422.506 (non-renewal notice to members)
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.