Puerto Rico Medicare
Medicare Advantage Plans in Puerto Rico for 2027: What's Ending and What's Available
Is your Medicare Advantage plan being discontinued, cancelled or not renewed in Puerto Rico for 2027? See which plans are ending, your deadlines, and your options.
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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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You'll talk to a real person: Rick Lander, licensed insurance agent, NPN 21255551, Lander LLC, or one of the licensed agents on this team.
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 Puerto Rico Medicare plans are ending in 2027?
CMS publishes the official list of Medicare Advantage plans that won't continue in 2027 around October 1, 2026, and every plan that's ending must mail its members a notice by October 2, 2026. As soon as that list is out, this page will show every Puerto Rico plan and county on it, carrier by carrier.
Carriers that have already announced 2027 Medicare Advantage exits:
- Humana Is Not Renewing Some Medicare Advantage Plans for 2027 (nationwide; states not named yet)
Medicare Advantage plans available in Puerto Rico for 2027
Checked 2026-10-17 against CMS's 2027 plan benefit and county files.
63 Medicare Advantage plans are offered in Puerto Rico for 2027 by 4 companies. 62 are HMO plans and 1 are PPO plans. 31 are special needs plans, which only people who qualify (for example, people who also have Medicaid or a chronic condition) can join, so 32 are open to most people with Medicare. Depending on the county, you can choose from between 39 and 44 plans.
Compared with 2026: 63 plans were offered in Puerto Rico in 2026, so the count is unchanged for 2027.
Plans by company, 2026 and 2027
| Company | Plans in 2026 | Plans in 2027 | Change |
|---|---|---|---|
| Medicare y Mucho Mas (MMM) | 20 | 25 | +5 |
| MCS Classicare | 21 | 21 | no change |
| Triple S Advantage | 21 | 16 | −5 |
| Triple-S Advantage | 1 | 1 | no change |
Plans offered by county, 2026 and 2027
| County | Plans in 2026 | Plans in 2027 | Change |
|---|---|---|---|
| Adjuntas | 40 | 42 | +2 |
| Aguada | 43 | 44 | +1 |
| Aguadilla | 43 | 44 | +1 |
| Aguas Buenas | 38 | 40 | +2 |
| Aibonito | 38 | 39 | +1 |
| Anasco | 43 | 44 | +1 |
| Arecibo | 41 | 43 | +2 |
| Arroyo | 41 | 41 | no change |
| Barceloneta | 40 | 42 | +2 |
| Barranquitas | 38 | 39 | +1 |
| Bayamon | 38 | 40 | +2 |
| Cabo Rojo | 40 | 42 | +2 |
| Caguas | 38 | 40 | +2 |
| Camuy | 43 | 44 | +1 |
| Canovanas | 40 | 40 | no change |
| Carolina | 40 | 41 | +1 |
| Catano | 40 | 40 | no change |
| Cayey | 38 | 39 | +1 |
| Ceiba | 38 | 39 | +1 |
| Ciales | 40 | 42 | +2 |
| Cidra | 38 | 39 | +1 |
| Coamo | 39 | 40 | +1 |
| Comerio | 38 | 39 | +1 |
| Corozal | 42 | 43 | +1 |
| Culebra | 38 | 39 | +1 |
| Dorado | 40 | 40 | no change |
| Fajardo | 40 | 40 | no change |
| Florida | 42 | 43 | +1 |
| Guanica | 40 | 42 | +2 |
| Guayama | 41 | 41 | no change |
| Guayanilla | 40 | 42 | +2 |
| Guaynabo | 40 | 41 | +1 |
| Gurabo | 40 | 40 | no change |
| Hatillo | 41 | 43 | +2 |
| Hormigueros | 40 | 42 | +2 |
| Humacao | 40 | 40 | no change |
| Isabela | 43 | 44 | +1 |
| Jayuya | 40 | 42 | +2 |
| Juana Diaz | 40 | 42 | +2 |
| Juncos | 40 | 40 | no change |
| Lajas | 42 | 43 | +1 |
| Lares | 40 | 42 | +2 |
| Las Marias | 40 | 42 | +2 |
| Las Piedras | 40 | 40 | no change |
| Loiza | 38 | 39 | +1 |
| Luquillo | 38 | 39 | +1 |
| Manati | 42 | 43 | +1 |
| Maricao | 40 | 42 | +2 |
| Maunabo | 38 | 39 | +1 |
| Mayaguez | 40 | 43 | +3 |
| Moca | 43 | 44 | +1 |
| Morovis | 40 | 42 | +2 |
| Naguabo | 38 | 39 | +1 |
| Naranjito | 38 | 40 | +2 |
| Orocovis | 40 | 42 | +2 |
| Patillas | 41 | 41 | no change |
| Penuelas | 42 | 43 | +1 |
| Ponce | 42 | 43 | +1 |
| Quebradillas | 41 | 43 | +2 |
| Rincon | 43 | 44 | +1 |
| Rio Grande | 40 | 40 | no change |
| Sabana Grande | 40 | 42 | +2 |
| Salinas | 39 | 40 | +1 |
| San German | 40 | 42 | +2 |
| San Juan | 40 | 41 | +1 |
| San Lorenzo | 40 | 40 | no change |
| San Sebastian | 41 | 43 | +2 |
| Santa Isabel | 39 | 40 | +1 |
| Toa Alta | 40 | 41 | +1 |
| Toa Baja | 40 | 41 | +1 |
| Trujillo Alto | 40 | 41 | +1 |
| Utuado | 41 | 43 | +2 |
| Vega Alta | 42 | 43 | +1 |
| Vega Baja | 42 | 43 | +1 |
| Vieques | 40 | 40 | no change |
| Villalba | 42 | 43 | +1 |
| Yabucoa | 38 | 39 | +1 |
| Yauco | 42 | 43 | +1 |
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 Puerto Rico 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.
Want a licensed agent to check your plan?
Leave your number and a licensed agent will call to check whether your Puerto Rico Medicare plan is changing for 2027 and walk through your options. It's free, and you're never obligated to enroll.
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 Puerto Rico today
- At least 572,192 Puerto Rico residents are in an individual Medicare Advantage plan (43 plans from 3 companies across 78 counties in 2026).
- Largest carriers by members: MCS Classicare (327,179), Medicare y Mucho Mas (MMM) (161,844), Triple S Advantage (83,169).
- Last year, 13 Puerto Rico Medicare Advantage plans ended or dropped counties for 2026, affecting about 19,143 members, most from 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 Puerto Rico Medicare plans ending
Which Medicare Advantage plans are ending in Puerto Rico for 2027?
CMS publishes the official list of plans that won't continue in 2027 around October 1, 2026, and plans must mail members a notice by October 2, 2026. This page will show every Puerto Rico plan and county on that list as soon as it's out. Until then, your own plan's letter is the surest answer.
Is my Medicare Advantage plan being cancelled in Puerto Rico?
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 Puerto Rico lost their Medicare Advantage plan last year?
For 2026, CMS's files show 13 Medicare Advantage plans ended or dropped counties in Puerto Rico, affecting about 19,143 members across 78 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 Puerto Rico?
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 Puerto Rico for 2027?
CMS's 2027 files list 63 Medicare Advantage plans offered in Puerto Rico by 4 companies: Medicare y Mucho Mas (MMM) (25 plans), MCS Classicare (21 plans), Triple S Advantage (16 plans), Triple-S Advantage (1 plan). 31 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 Puerto Rico, 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 Puerto Rico Medicare plan ending?
Call to check your plan and compare what's available where you live, with licensed Medicare help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- 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 2026-09-26. 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.