MA plans in several areas are being shut down for 2027. The choices seniors have is declining as insurance companies realize the profits are not there.
If your Medicare Advantage plan closes or terminates its contract, you get federal guaranteed-issue rights to buy a Medigap policy without health screening or denial for pre-existing conditions.
You must apply within a strict 63-day window starting from the date your plan coverage ends. Keep Your Notice: You will need the formal termination or non-renewal notice from your Part C plan as proof when submitting your Medigap application so the insurer knows not to put you through medical underwriting.
However, it is likely Medigap may cost more in premiums, but you will gain freer access to care and still little or no out-of-pocket cost is possible. You could be charged age-based premiums.
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