Will my Medicare Advantage premium go down in 2027?

CMS projects the weighted average Medicare Advantage premium to fall more than 16% from 2026 to 2027, but that is a national average. Your own plan may go up, down or stay the same — check your Annual Notice of Change or book a review with us.

Are Medicare Advantage plans going away in 2027?

No. CMS reports more than 99% of Medicare beneficiaries will have access to at least one Medicare Advantage plan in 2027, and 97% will have 10 or more options. Individual plans can still exit a county, so watch for a non-renewal letter.

What changed with Star Ratings for 2027?

CMS removed 11 mostly administrative measures and did not implement the planned Excellent Health Outcomes for All (Health Equity Index) reward, keeping the historical reward factor instead. A plan's star rating can still shift year to year.

When can I change my Medicare Advantage plan for 2027?

Medicare open enrollment runs October 15 – December 7, 2026, for coverage starting January 1, 2027. The Medicare Advantage Open Enrollment Period (January 1 – March 31) allows one more switch if you're already in an Advantage plan.

Medicare Advantage 2026 vs 2027: What's Changing

CMS finalized the 2027 Medicare Advantage rules and payment rates in April 2026 and released premium projections in September. Here's what's different from 2026 — and what to check before open enrollment closes December 7.

Book your 2027 Medicare plan review

Open enrollment runs October 15 – December 7. We'll compare your current plan against 2027 options for your doctors and drugs — no cost to you.

Book my planning call

Or call now — no wait 800-214-8976

2026 vs 2027 side by side

What changed	2026	2027	What it means for you
Average MA premium	2026 baseline	Projected to fall 16%+	National average only — your plan may differ. Compare your Annual Notice of Change.
Drug premium inside MA plans (MA-PD)	2026 baseline	Projected to drop about 38%	Many Advantage plans with drug coverage may cost less for the drug portion.
Plan payments from Medicare	2026 rates	+2.48% average (≈$13B more)	Payment growth is modest, so some plans may trim extras like dental, vision or OTC allowances.
Plan choice	Broad availability	99%+ have at least 1 plan; 97% have 10+	Choice remains wide, but specific plans can still leave your county.
Star Ratings measures	Up to 43 measures for MA-PD	11 administrative measures removed	Ratings focus more on outcomes and member experience — a plan's stars may move.
Health equity reward	Planned for 2027 ratings	Not implemented; historical reward kept	Plans keep being rewarded for consistent high performance across all members.
Part D drug cap inside MA-PD	$2,100 per year	$2,400 per year	Your yearly out-of-pocket cap on covered drugs rises $300.

What to do before December 7

Read your 2027 Annual Notice of Change (mailed by September 30) for premium, copay and network changes.
Confirm your doctors and hospitals are still in network for 2027.
Check that every prescription is still on the plan's 2027 drug list and at what tier.
Compare extra benefits — dental, vision, hearing, OTC cards — since some plans adjust them.
Make any change by December 7, 2026 for coverage starting January 1, 2027.

Schedule your Medicare appointment

Pick a time on our Medicare calendar or call 800-214-8976. A licensed agent will review your 2027 Annual Notice of Change with you.

Book my planning call

Or call now — no wait 800-214-8976

Frequently asked questions

Sources

Figures are national CMS parameters; your plan's actual premium, deductible and benefits vary by plan and county. Check your plan's 2027 Annual Notice of Change. We do not offer every plan available in your area; contact Medicare.gov or 1-800-MEDICARE for information on all your options.