Navigating a Medicare Advantage or Prescription Drug (MA-PD) plan ending can feel overwhelming, but there are clear steps to protect your coverage. If your MA-PD plan ends and you don’t select a replacement, you’ll automatically transition to Original Medicare on January 1, but prescription drug coverage will end—and members with Extra Help may be reassigned. Remember, Original Medicare doesn’t have an annual out-of-pocket limit. For 2026, Part B will cost $202.90 per month with a $283 deductible, and the Part A deductible will be $1,700.
With an insurer withdrawing coverage for around 600,000 Medicare Advantage members in 2027, those early notice letters are a signal to review your options carefully. You have a window: Medigap guaranteed-issue rights start 60 days before your plan ends and last 63 days after. Missing that window and going more than 63 days without drug coverage can mean permanent Part D penalties.
To ensure seamless protection starting January 1, make your plan selection by December 31. Review every prescription, tier, and pharmacy to choose the best new Advantage plan or Original Medicare with Part D for your needs. As a licensed insurance agent for Medicare Advantage and more, I’m here to help you make sense of these changes and ensure your health coverage continues without interruption.
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