Tennessee Medicare

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

30 Tennessee Medicare plans end or leave counties for 2027, per CMS; 95,390 people must choose a new plan. Another 5 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.

A licensed agent answers 8 AM to midnight ET, every day.

Call 855-367-1095

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.

Rather have us call you? Leave your number.

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 Tennessee 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: UHC (73,535 members), Wellcare / Ambetter (8,689 members), Humana (5,218 members). CMS's 2027 Plan Crosswalk says 30 Tennessee Medicare Advantage and Part D plans end or leave counties for 2027, with at least 95,390 people enrolled who must choose a new plan. Another 5 plans (124,880 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.

UHC (UnitedHealthcare): 2 plans end or leave counties (73,535 members) county detail
Wellcare / Ambetter: 6 plans end or leave counties (8,689 members) county detail
Humana: 6 plans end or leave counties (5,218 members); 3 merged or renumbered (106,836 members) county detail
BlueAdvantage Garnet (BlueCross BlueShield of Tennessee): 4 plans end or leave counties (4,103 members) county detail
Aetna: 4 plans end or leave counties (2,452 members) county detail
Cigna HealthSpring: 2 plans end or leave counties (819 members); 2 merged or renumbered (18,044 members) county detail
Devoted Health: 6 plans end or leave counties (574 members) county detail

35 Tennessee 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
UHC Dual Complete TN-S001 (HMO-POS D-SNP) UHC (UnitedHealthcare)	H0251-002	Anderson, Bedford, Benton, Bledsoe and 91 more	41,764	CMS lists different outcomes by plan segment. Your letter says which applies to you.
UHC Dual Complete TN-Y2 (HMO-POS D-SNP) UHC (UnitedHealthcare)	H0251-008	Anderson, Bedford, Benton, Bledsoe and 91 more	31,771	CMS lists different outcomes by plan segment. Your letter says which applies to you.
Wellcare Simple (HMO-POS) Wellcare / Ambetter	H1416-077	Anderson, Bedford, Benton, Bledsoe and 91 more	5,902+	Ends December 31, 2026. Members must choose a new plan.
Humana Value Plus H7617-088 (PPO) Humana	H7617-088	Cheatham, Coffee, Davidson, Dickson and 5 more	1,898	Leaves these counties for 2027. Members here must choose a new plan.
Wellcare Giveback (HMO-POS) Wellcare / Ambetter	H1416-079	Anderson, Bedford, Benton, Bledsoe and 91 more	1,480+	Ends December 31, 2026. Members must choose a new plan.
BlueAdvantage Sapphire (PPO) BlueAdvantage Garnet (BlueCross BlueShield of Tennessee)	H7917-030	Clay, Grundy, Smith	1,460	Leaves these counties for 2027. Members here must choose a new plan.
Humana Value Plus H5216-180 (PPO) Humana	H5216-180	Cheatham, Coffee, Davidson, Dickson and 5 more	1,383	Leaves these counties for 2027. Members here must choose a new plan.
Humana Value Choice H5216-451 (PPO) Humana	H5216-451	Cannon, DeKalb, Giles, Henry and 6 more	1,305+	Ends December 31, 2026. Members must choose a new plan.
BlueAdvantage Garnet (PPO) BlueAdvantage Garnet (BlueCross BlueShield of Tennessee)	H7917-032	Bedford, Houston, Trousdale	1,275	Leaves these counties for 2027. Members here must choose a new plan.
Aetna Medicare Signature (PPO) Aetna	H5521-254	Clay, DeKalb, Dickson, Franklin and 6 more	1,256+	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
Aetna Medicare Signature Giveback (PPO) Aetna	H5521-141	Cannon, Cheatham, Hickman, Rutherford and 1 more	1,182	Ends December 31, 2026. Members must choose a new plan.
BlueAdvantage Sapphire (PPO) BlueAdvantage Garnet (BlueCross BlueShield of Tennessee)	H7917-038	Monroe	936	Leaves these counties for 2027. Members here must choose a new plan.
HealthSpring Preferred Savings (HMO) Cigna HealthSpring	H4513-068	Bledsoe, Bradley, Grundy, Hamilton and 3 more	819	Leaves these counties for 2027. Members here must choose a new plan.
Wellcare Assist (HMO-POS) Wellcare / Ambetter	H1416-042	Anderson, Bedford, Benton, Bledsoe and 91 more	713+	Ends December 31, 2026. Members must choose a new plan.
HumanaChoice H5216-450 (PPO) Humana	H5216-450	Cannon, Davidson, DeKalb, Giles and 7 more	571+	Ends December 31, 2026. Members must choose a new plan.
BlueAdvantage Garnet (PPO) BlueAdvantage Garnet (BlueCross BlueShield of Tennessee)	H7917-033	Lauderdale	432	Leaves these counties for 2027. Members here must choose a new plan.
Wellcare Dual Access (HMO-POS D-SNP) Wellcare / Ambetter	H1416-035	Anderson, Bedford, Benton, Bledsoe and 91 more	371+	Ends December 31, 2026. Members must choose a new plan.
Wellcare Assist (HMO-POS) Wellcare / Ambetter	H1416-083	Anderson, Bedford, Benton, Bledsoe and 91 more	200+	Ends December 31, 2026. Members must choose a new plan.
DEVOTED C-SNP CHOICE PREMIUM 017 TN (PPO C-SNP) Devoted Health	H9231-017	Anderson, Blount, Campbell, Claiborne and 13 more	175+	Ends December 31, 2026. Members must choose a new plan.
DEVOTED C-SNP CHOICE PREMIUM 016 TN (PPO C-SNP) Devoted Health	H9231-016	Bledsoe, Bradley, Grundy, Hamilton and 5 more	140+	Ends December 31, 2026. Members 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
DEVOTED C-SNP CHOICE PREMIUM 019 TN (PPO C-SNP) Devoted Health	H9231-019	Hancock, Hawkins, Johnson, Sullivan and 2 more	115+	Ends December 31, 2026. Members must choose a new plan.
DEVOTED CHOICE 011 TN (PPO) Devoted Health	H9231-011	Benton, Fayette, Hardeman, Haywood and 1 more	66+	Ends December 31, 2026. Members must choose a new plan.
HumanaChoice H5216-449 (PPO) Humana	H5216-449	Cannon, Davidson, DeKalb, Giles and 7 more	61+	Ends December 31, 2026. Members must choose a new plan.
DEVOTED CHOICE 010 TN (PPO) Devoted Health	H9231-010	Hancock, Hawkins, Johnson, Sullivan and 2 more	44+	Ends December 31, 2026. Members must choose a new plan.
DEVOTED CHOICE 007 TN (PPO) Devoted Health	H9231-007	Anderson, Bledsoe, Blount, Bradley and 22 more	34+	Ends December 31, 2026. Members must choose a new plan.
Wellcare Patriot Giveback (HMO-POS) Wellcare / Ambetter	H1416-061	Anderson, Bedford, Benton, Bledsoe and 91 more	23+	Ends December 31, 2026. Members must choose a new plan.
Aetna Medicare Enhanced (HMO) Aetna	H3146-041	Davidson, Rutherford, Sumner, Williamson	14+	Ends December 31, 2026. Members must choose a new plan.
Aetna Medicare Enhanced (HMO) Aetna	H3146-046	Shelby	10 or fewer	Ends December 31, 2026. Members must choose a new plan.
HealthSpring True Choice (PPO) Cigna HealthSpring	H7849-153	Lake	10 or fewer	Leaves these counties for 2027. Members here must choose a new plan.
Humana Together in Health Select (PPO I-SNP) Humana	H5216-453	Anderson, Bedford, Benton, Bledsoe and 91 more	10 or fewer	Ends December 31, 2026. Members 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 H4461-041 (HMO) Humana	H4461-041	Anderson, Blount, Bradley, Campbell and 31 more	41,064	Continues for 2027 as Humana Gold Plus H4461-083 (HMO) (H4461-083). Members keep their plan.
Humana Gold Plus H4461-035 (HMO) Humana	H4461-035	Anderson, Blount, Bradley, Campbell and 31 more	33,502	Continues for 2027 as Humana Gold Plus H4461-080 (HMO) (H4461-080). Members keep their plan.
Humana Gold Plus H4461-040 (HMO) Humana	H4461-040	Anderson, Blount, Bradley, Campbell and 32 more	32,270	Continues for 2027 as Humana Gold Plus H4461-081 (HMO) (H4461-081). Members keep their plan.
HealthSpring Assurance Rx (PDP) Cigna HealthSpring	S5617-220	Statewide (Part D drug plan)	9,895+	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)	8,149+	Merged into HealthSpring Assurance Rx (PDP) (S5715-033) for 2027. Members are moved automatically and can still switch.

Full detail by company and county: Tennessee 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 Tennessee for 2027

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

155 Medicare Advantage plans are offered in Tennessee for 2027 by 12 companies. 89 are HMO plans and 66 are PPO plans. 50 are special needs plans, which only people who qualify (for example, people who also have Medicaid or a chronic condition) can join, so 105 are open to most people with Medicare. Depending on the county, you can choose from between 36 and 74 plans.

Compared with 2026: 151 plans were offered in Tennessee in 2026, so the count is up by 4 for 2027. Listed in CMS's 2026 files but not its 2027 files: Cigna HealthCare (17 plans in 2026), Wellcare (6 plans in 2026), Signature Advantage (HMO SNP) (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
Devoted Health	22	38	+16
Humana	22	22	no change
UnitedHealthcare	16	22	+6
BlueCross BlueShield of Tennessee	17	20	+3
HealthSpring	17	16	−1
Aetna Medicare	8	12	+4
Wellpoint	9	9	no change
Zing Health	7	8	+1
BlueCare Plus Tennessee	3	3	no change
Abilis Health (HMO SNP)	2	2	no change
NHC Advantage	2	2	no change
American Health Advantage of Tennessee	1	1	no change
Cigna HealthCare	17	0	not listed
Wellcare	6	0	not listed
Signature Advantage (HMO SNP)	2	0	not listed

Plans offered by county, 2026 and 2027

County	Plans in 2026	Plans in 2027	Change
Anderson	59	64	+5
Bedford	43	36	−7
Benton	60	64	+4
Bledsoe	54	52	−2
Blount	59	62	+3
Bradley	63	61	−2
Campbell	57	60	+3
Cannon	61	59	−2
Carroll	46	48	+2
Carter	47	53	+6
Cheatham	66	63	−3
Chester	53	50	−3
Claiborne	56	59	+3
Clay	61	61	no change
Cocke	56	61	+5
Coffee	55	47	−8
Crockett	53	50	−3
Cumberland	62	63	+1
Davidson	74	69	−5
DeKalb	59	56	−3
Decatur	54	51	−3
Dickson	55	46	−9
Dyer	47	44	−3
Fayette	69	70	+1
Fentress	62	64	+2
Franklin	52	46	−6
Gibson	53	50	−3
Giles	64	61	−3
Grainger	56	61	+5
Greene	47	46	−1
Grundy	63	60	−3
Hamblen	56	59	+3
Hamilton	65	63	−2
Hancock	58	61	+3
Hardeman	61	62	+1
Hardin	54	51	−3
Hawkins	53	50	−3
Haywood	61	62	+1
Henderson	50	47	−3
Henry	55	48	−7
Hickman	61	58	−3
Houston	62	62	no change
Humphreys	58	59	+1
Jackson	58	59	+1
Jefferson	59	62	+3
Johnson	53	56	+3
Knox	59	64	+5
Lake	49	51	+2
Lauderdale	55	56	+1
Lawrence	58	59	+1
Lewis	62	62	no change
Lincoln	48	48	no change
Loudon	57	60	+3
Macon	59	60	+1
Madison	51	46	−5
Marion	66	64	−2
Marshall	60	60	no change
Maury	58	48	−10
McMinn	48	46	−2
McNairy	54	51	−3
Meigs	58	59	+1
Monroe	56	60	+4
Montgomery	57	49	−8
Moore	59	60	+1
Morgan	60	63	+3
Obion	44	47	+3
Overton	55	57	+2
Perry	58	61	+3
Pickett	54	57	+3
Polk	64	62	−2
Putnam	58	53	−5
Rhea	60	59	−1
Roane	55	58	+3
Robertson	68	66	−2
Rutherford	68	57	−11
Scott	54	59	+5
Sequatchie	65	63	−2
Sevier	58	61	+3
Shelby	73	74	+1
Smith	61	61	no change
Stewart	59	61	+2
Sullivan	55	58	+3
Sumner	71	69	−2
Tipton	55	51	−4
Trousdale	62	61	−1
Unicoi	50	55	+5
Union	56	59	+3
Van Buren	63	65	+2
Warren	67	64	−3
Washington	55	58	+3
Wayne	48	48	no change
Weakley	50	47	−3
White	61	60	−1
Williamson	74	71	−3
Wilson	73	72	−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 Tennessee 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 Tennessee today

At least 748,878 Tennessee residents are in an individual Medicare Advantage plan (123 plans from 13 companies across 95 counties in 2026).
Largest carriers by members: UnitedHealthcare (210,035), Humana (189,516), BlueCross BlueShield of Tennessee (179,612), HealthSpring (80,735), BlueCare Plus Tennessee (30,879), Wellpoint (26,553).
Last year, 18 Tennessee Medicare Advantage plans ended or dropped counties for 2026, affecting about 24,331 members, most from UnitedHealthcare, Cigna Healthcare, BlueCross BlueShield of Tennessee.

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 Tennessee Medicare plans ending

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

Is my Medicare Advantage plan being cancelled in Tennessee?

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 Tennessee lost their Medicare Advantage plan last year?

For 2026, CMS's files show 18 Medicare Advantage plans ended or dropped counties in Tennessee, affecting about 24,331 members across 95 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 Tennessee?

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 Tennessee for 2027?

CMS's 2027 files list 155 Medicare Advantage plans offered in Tennessee by 12 companies: Devoted Health (38 plans), Humana (22 plans), UnitedHealthcare (22 plans), BlueCross BlueShield of Tennessee (20 plans), HealthSpring (16 plans), and others. 50 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 Tennessee, 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 Tennessee 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.

Call 855-367-1095 Make an appointment

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.