I’ve had so many women call me in tears because their doctor or hospital was dropped from their Medicare Advantage plan’s network. Others have called distraught because their mother’s Medicare Advantage plan would no longer pay for her hospital or skilled nursing stay—and there was no one at home to care for her.
These conversations stay with me. For many people with pre-existing conditions, getting a Medicare Supplement is not possible. But if your Medicare Advantage plan is ending, this may be your chance to get Original Medicare with a Medicare Supplement!!!
This is your opportunity
According to Medicare Market Insights, an estimated 3.16 million people will lose their current Medicare Advantage plan for 2027 because their plan is ending or will no longer be offered where they live.
The articles I’ve been reading paint this as a catastrophe. But many people don’t realize this could be a golden opportunity!!!
Your Chance to Choose Original Medicare
If your plan is ending or leaving your area, you may have the right to return to Original Medicare and buy an eligible Medicare Supplement, also called Medigap, without medical underwriting. This protection is called guaranteed issue: you cannot be denied an eligible policy or charged more because of your health or pre-existing conditions.
Meanwhile, Becker’s Hospital Review lists 34 hospitals and health systems dropping—or announcing plans to drop—one or more Medicare Advantage plans in 2026.
But a hospital leaving your plan’s network does not, by itself, qualify you to buy a Medicare Supplement without underwriting.
Your Medicare Advantage plan ending or leaving your area can qualify you to buy a Medicare Supplement without underwriting!!!
Check on Mom and Dad
If you, a parent or a loved one receives a Medicare Advantage termination notice, jump on this opportunity. During Medicare Open Enrollment, October 15–December 7, 2026, explore switching to Original Medicare, an eligible Medicare Supplement and a separate Part D prescription drug plan.
To get a deeper dive, watch the replay of my live webinar Medicare: What the insurance companies won’t tell you
