Medicare Advantage plans shrinking for 2027: Know your Medigap rights

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Medicare Advantage (Part C) plans are being shut down in several areas for 2027 as insurers conclude the plans are not profitable, leaving enrollees with fewer choices. If your plan closes or terminates its contract, federal law gives you a guaranteed-issue right to buy a Medigap (Medicare supplement) policy — meaning the insurer cannot screen your health or deny you for pre-existing conditions — but you must apply within a strict 63-day window starting from the date your plan coverage ends.

To use this right, keep the formal termination or non-renewal notice from your Part C plan; you will need it as proof so the new insurer knows to skip medical underwriting. Medigap premiums will likely be higher than what you paid under Medicare Advantage, and you could face age-based pricing, but the trade-off is broader access to providers and the possibility of little or no out-of-pocket costs.