Quick answer: If your Medicare Advantage plan isn’t coming back for 2027, you didn’t do anything wrong, and you have options. Pick a new plan during the Annual Enrollment Period, October 15 to December 7, so there’s no gap on January 1. Or, if you switch to Original Medicare, you may be able to buy a Medicare Supplement without answering health questions.
Hi, I’m Nathan Curry, a licensed independent Medicare and ACA broker with HealthBrokerFL.com (USA Benefits Group) in South Daytona. This fall I’m getting a lot of calls from folks across Volusia County who just opened a letter saying their plan is going away. So I want to walk you through it the same way I do when you’re sitting across the desk from me.
When a client tells me their plan is leaving, the first thing I explain is that it’s usually a service area reduction, or SAR. All of these Medicare Advantage plans are contracted with Medicare for a calendar year, and sometimes the companies bring in attractive plans to gain membership. The insurance company’s actuaries always try to make those plans profitable, but sometimes they’re wrong. If a plan isn’t profitable, the company won’t renew that contract with Medicare. They sunset it. Sometimes they suppress the plan, and sometimes they terminate it altogether.
Unfortunately, it happens. But here’s what I always tell people:
“The shining light is that it does give you a guaranteed issue right to purchase a Medicare supplement anytime you’re losing a Medicare Advantage plan due to that plan exit at no fault of your own.”
(That right applies when you switch to Original Medicare and apply inside a set window. I’ll explain the details below.)
Your plan is leaving. Let’s find your next one before December 7. Call 386-401-5644 or Book with a Licensed Agent.
If you just want the full fall checklist for everyone, not just people whose plan is ending, see my Medicare AEP checklist for Volusia County.
This is general education, not personal insurance, tax, or legal advice. Plans, networks, drug lists, and costs vary by ZIP code and change every year. For official rules, visit Medicare.gov.
Which plans are leaving or changing for 2027
Here’s what I’m seeing for 2027. Always confirm with your own termination letter or Annual Notice of Change (ANOC), because that’s the official word on your plan.
- Humana Full Access Giveback H7617-111 (PPO) and Humana Full Access Giveback H5216-393 (PPO) are not being renewed for 2027. If you’re on either plan code, you need a new plan.
- Health First Medicare Advantage is exiting every county except Flagler, Volusia, Brevard, and Indian River. If you’re a Health First member here in Volusia, you are not losing Health First. You should still read your ANOC, because benefits can change every year.
- Cigna, now HealthSpring: the Preferred Savings plan (the one with the Part B giveback) is being terminated. HealthSpring’s core plan is suppressed for 2027, which means it isn’t looking for new members.
How to tell which plan you have
Look at your member ID card and the letters your plan mails you. Your plan name and plan code (it starts with an H, like H7617) are usually printed there. If your plan is ending, you should get a termination letter in the mail. Hang on to it. If you still can’t tell, call me and we’ll look it up together.
Suppressed is not the same as terminated
This part trips people up. A suppressed plan is still offered to the people already in it. It just isn’t taking new members. Suppression by itself does not give you a special enrollment period or a guaranteed issue right to a Medicare Supplement. The same goes for plans that are combined or “crosswalked” into another plan. Only plans that are actually terminated or not renewed open those doors.
Why plans leave (and why it’s not your fault)
“A lot of people think they did something wrong and they’re being terminated because of their health or the benefits they used, and that couldn’t be farther from the truth.”
These plans are business decisions. The contracts run on a calendar year, the actuaries make their best guess, and when the numbers don’t work, the plan goes away. Here’s how I put it:
“These are for profit companies; at the end of the day, if it doesn’t make dollars, it doesn’t make sense to keep it.”
You weren’t singled out. Everybody on that plan gets the same letter.
Your two paths: a Medicare Supplement or another Advantage plan
The guaranteed issue opportunity
“This is a golden opportunity, especially if you have some serious health issues and you were having a lot of copays hitting your max out of pocket,” or you felt limited on where you could go with an Advantage plan.
Normally in Florida, if you want to leave Medicare Advantage for a Medicare Supplement, the company can ask health questions. When your plan is leaving, that changes. Here are the rules:
- You have to switch to Original Medicare. The guaranteed issue right is for a Medicare Supplement (Medigap) policy, so it only applies if you go back to Original Medicare instead of joining another Advantage plan.
- Timing: you can apply as early as 60 days before your Medicare Advantage coverage ends and no later than 63 days after it ends. Your Medigap policy can’t start until your Advantage plan ends.
- Which plans: federal rules guarantee Plans A, B, C, D, F, G, K, or L. Plans C and F are only available if you were first eligible for Medicare before January 1, 2020. Plan N is not included under this federal right.
- Keep your termination letter. That’s your proof. We’ll need it for the application.
A lot of my clients look at Plan G. After you meet the Part B deductible ($283 in 2026; CMS releases the 2027 amount this fall), Plan G pays the remaining Medicare approved cost sharing for Medicare covered services, including Part B excess charges, at any doctor or hospital in the U.S. that accepts Medicare. If you want to compare it with other options, read my guide to Plan G vs Plan N in Florida and my page on switching from Medicare Advantage to a Supplement under Florida rules.
“The key is: are you able to afford the additional monthly premium? For some people, this is a blessing or a godsend.” A Supplement has a monthly premium, and you’ll usually want a separate Part D drug plan with it, so we look at the whole budget before you decide.
Picking a new 2027 Advantage plan
“Everybody has different goals with their Medicare Advantage plans.” Some people want to keep as much money in their pocket as possible. So the first thing I try to figure out is what matters most to you:
- The Part B giveback. Are you trying to get the biggest Part B giveback or cashback plan you can? (Here’s how the Medicare Advantage Part B giveback works in Florida.)
- Doctors and hospitals you can’t lose. Are there certain doctors or hospitals we absolutely have to keep in your plan?
- Your prescriptions. This is a big one for 2027.
On drugs: the federal maximum standard Part D deductible is $700 in 2027, up from $615 in 2026. Plans can set it lower or at $0, and many plans apply it only to the higher tier drugs, like tiers 3 through 5. It doesn’t apply to covered insulin or recommended adult vaccines, and the 2027 cap on what you pay out of pocket for covered drugs is $2,400. If you’re on one of those newer brand name medications and you hit that deductible, “that’s a big surprise come January 1st.” So we take that into consideration.
As brokers, we offer every plan available. “We start with what your objectives are, and then we build a strategy from there.”
Options for Humana PPO members
If you’re on Humana Full Access Giveback H7617-111 or H5216-393, the good news is Humana is coming to market with a new PPO plan for 2027. The benefits are not as rich as the Full Access Giveback plan that’s not being renewed, but you still have an option there. From what I’ve seen, it has a medical deductible and a $700 prescription drug deductible on tiers three, four, and five. Check the plan’s Summary of Benefits for the exact amounts before you enroll.
And Humana isn’t your only choice if you want a PPO. We have other PPOs in the county as well, like UnitedHealthcare, Aetna, and Florida Blue. Which one fits depends on your doctors, your drugs, and your ZIP code.
Health First in Volusia and the AdventHealth question
Health First is staying in Volusia County. Here’s how I describe it to clients:
- It’s an HMO that doesn’t require referrals. You can go to any doctor in their network without a referral.
- It has low copays, a low max out of pocket, and a Part B reduction option.
- If you’re out of the area, you’d only have coverage at the emergency room or urgent care. It is not a PPO.
Health First has a contract with AdventHealth hospitals. Health First is one of only two companies in Volusia with an AdventHealth contract. Call us to find out which other plan has it: 386-401-5644.
UnitedHealthcare and AdventHealth: as of this writing, AdventHealth and UnitedHealthcare are still negotiating. Their current agreement runs through December 31, 2026. Without a new deal, AdventHealth facilities and providers would be out of network for UnitedHealthcare members starting January 1, 2027. That could change before then, so if AdventHealth matters to you, let’s check the latest status together before you choose a plan.
Cigna is now HealthSpring: what changed for 2027
Cigna is no longer Cigna. HCSC completed its acquisition of Cigna’s Medicare business on March 19, 2025, and rebranded it as HealthSpring.
In my view, they’re still going through another rebuilding year, and their benefits aren’t attractive right now. HealthSpring’s core plan is suppressed, so they aren’t looking for membership in that plan this year. The Preferred Savings plan, the one with the Part B giveback, is being terminated. That plan was very popular in the Orlando area, and a lot of members are losing it.
My expectation is that they’ll come back to the market in 2028 with stronger plans, but they’re still working through the acquisition and getting their ducks in a row. If you’re on Preferred Savings, you need a new plan for 2027.
What happens if you do nothing by December 7
If your plan is not being renewed or is cancelled at no fault of your own and you don’t make a choice by the December 7 deadline, you’ll be on Original Medicare on January 1. You won’t have drug coverage unless you join a Part D plan, and going without creditable drug coverage can mean a Part D late enrollment penalty.
Original Medicare by itself leaves real gaps.
On the Part A (hospital) side:
- The Part A deductible: $1,736 per benefit period in 2026
- Daily hospital coinsurance: $434 a day for days 61 through 90, and $868 a day for lifetime reserve days
- Skilled nursing facility coinsurance: $217 a day for days 21 through 100
- Blood: you pay for the first 3 pints in a calendar year if the provider has to buy it, unless it’s donated or replaced
On the Part B (medical) side:
- The Part B deductible: $283 in 2026
- 20% coinsurance after the deductible, with no out of pocket maximum
- Possible Part B excess charges from providers who don’t accept assignment
CMS hasn’t released the 2027 Part A and Part B amounts as of this writing. They usually come out in the fall.
Your safety net (but don’t count on it)
If you miss December 7, you still have two things:
- A special enrollment period from December 8 through the last day of February to join a new Medicare Advantage or Part D plan. Coverage starts the first of the month after you enroll: choose in December and it starts January 1, choose in January and it starts February 1, choose in February and it starts March 1.
- The Medigap guaranteed issue window, up to 63 days after your Advantage coverage ends, if you go with Original Medicare and a Supplement.
My honest advice: don’t wait. Choose during the Annual Enrollment Period so there’s no gap at all.
The biggest mistake I see: copying your neighbor’s plan
One of the biggest mistakes people make is just going with the plan their neighbor has, or the one a friend or family member suggests, without checking whether it’s a good fit for them.
I recently had a client who was on a brand name medication, and she switched to the plan her neighbor had. Come to find out, there was only one insurance company that covered that medication, and that was the plan she was already on, which is why we had put her on it. Then she was stuck trying to get a formulary exception and going through that whole process. “She went without her medication for two months.”
These are the things you really need to think about when you change plans: “not just the flashy commercial, but how it’s really going to impact their health.”
What to bring to your appointment and how we work
Bring these:
- Your termination letter. We’ll definitely need it if you’re applying for a Medicare Supplement with a guaranteed issue right.
- Every medication you take. “Remember the nonpill medications like sprays, inhalers, and creams, the ones that get overlooked.”
- A list of the doctors you want to keep seeing on your new plan.
Then here’s how it works. We sit down and I explain all of your options. If keeping your doctors is the most important thing, I only show you plans your doctors are in network with. We run your medications, especially the brand name ones, and start with the plans that have the lowest cost for your drugs and still keep your doctors.
There are also plans built for people with chronic conditions like asthma, COPD, cardiovascular disease, congestive heart failure, and diabetes. If you qualify, we’ll go over those with you.
We look at your income too. If you qualify for federal or state help, like Extra Help or a Medicare Savings Program, we help you apply. My wife, Catherine Curry, handles all of those applications in our office, at no charge to you. You can meet the team here.
We never charge you a broker fee. The carrier pays the agency.
“We really have a servant’s heart. Our goal is to make sure you’re getting the most out of the benefits you’ve paid into your entire life.”
The one thing to remember
Your plan leaving is not a judgment on you. Look at it as a good thing. “If you’re on an underperforming plan, you need to be off of it and get something better suited for you and the longevity of your health.”
FAQs
My Medicare Advantage plan is leaving in 2027. Did I do something wrong?
No. Plans are not renewed for business reasons, not because of your health or the benefits you used. You’ll get a termination letter, and you have options, including a Medicare Supplement without health questions if you switch to Original Medicare in time.
What happens if I don’t pick a new plan by December 7?
You’ll be in Original Medicare on January 1, without Part D drug coverage unless you join a drug plan. You still have a Special Enrollment Period from December 8 through the last day of February to join a new Medicare Advantage or Part D plan, but coverage only starts the first of the month after you enroll. Going without creditable drug coverage can lead to a Part D late enrollment penalty.
Can I get a Medicare Supplement without health questions if my plan is leaving?
Yes, if you switch to Original Medicare. You can apply as early as 60 days before your Medicare Advantage coverage ends and no later than 63 days after it ends. Federal rules guarantee Plans A, B, C, D, F, G, K, or L (C and F only if you were eligible for Medicare before 2020). Plan N isn’t included. Keep your termination letter as proof.
Is Health First leaving Volusia County in 2027?
No. Health First is exiting every county except Flagler, Volusia, Brevard, and Indian River. Volusia members can stay, but should still read their Annual Notice of Change.
What happened to Cigna’s Medicare plans?
Cigna sold its Medicare business to HCSC, which now runs it as HealthSpring. For 2027, the Preferred Savings plan is being terminated, and the core plan is suppressed (not seeking new members).
What is the 2027 Part D deductible?
The federal standard maximum is $700 in 2027, up from $615 in 2026. Plans can charge less, and many apply it only to higher tier drugs. It doesn’t apply to covered insulin or recommended adult vaccines. Bring your full drug list so we can compare real costs.
Will AdventHealth be in network with UnitedHealthcare in 2027?
As of this writing, AdventHealth and UnitedHealthcare are still negotiating, and their current contract runs through December 31, 2026. Without a new deal, AdventHealth would be out of network for UnitedHealthcare members on January 1, 2027. Health First is one of only two companies in Volusia with an AdventHealth contract. Call us to find out which other plan has it.
Your plan is leaving. Let’s find your next one before December 7.
Bring your termination letter, your full medication list (including sprays, inhalers, and creams), and the doctors you want to keep. We’ll compare your 2027 options for your ZIP code, face to face in South Daytona or over the phone.
- Book online: Book with a Licensed Agent
- Fee: We never charge you a broker fee. The carrier pays the agency.
- Call: 386-401-5644
- Email: ncurry@healthbrokerfl.com
- Office: 913 Big Tree Road, South Daytona, FL 32119
- Serving: Daytona Beach, South Daytona, Ormond Beach, Port Orange, Deltona, New Smyrna Beach, and all of Volusia County
New to Medicare instead? Start with my turning 65 guide for Volusia County. Questions first? Contact us.
Disclaimer
This article is for general education only. It doesn’t recommend a specific plan, carrier, or enrollment choice for anyone. Plan availability, benefits, premiums, networks, drug lists, and costs vary by location and plan year and can change. We are not connected with or endorsed by the U.S. government or the federal Medicare program.
We represent all of the Medicare plan organizations available in Volusia County. You can also contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHINE in Florida) to get information on all of your options.