Don’t miss out
Don’t miss out on the early Christmas gift from your Insurance Company when your Medicare Advantage (MA) plan gets canceled.
Read on.
Big news: major players like CVS Health, Humana and UnitedHealth Group are canceling many Medicare Advantage plans for 2026. Among the reasons: the current administration is providing less government funding for Medicare and insurers are shifting away from PPOs and toward less costly HMO-type plans that require more referrals and stick you inside a tighter network.
But hold on — this could actually be good news. How so?
Many folks realize too late:
They’re locked into an MA plan and can’t switch to Original Medicare + a supplement because of pre-existing conditions.
They discover their MA plan limits which hospitals and specialists they can see.
They find out their MA plan sometimes denies expensive care to protect profit margins.
They learn that after 65, Medicare supplement (“Medigap”) plans can either reject them or charge them triple because of those same pre-existing conditions.
But here’s the big news:
if your specific Advantage plan is leaving Medicare or your specific MA plan stops providing care in your area, you have a guaranteed issue right to buy a Medigap policy (a Medicare Supplement) without being asked about your health history or pre-existing conditions. Yes, that’s the headline: you can switch into Original Medicare + a supplement without medical underwriting.
Christmas comes early
So the silver lining is: your MA plan being canceled might actually unlock the opportunity for you to purchase a Medigap plan after 65 without worrying about pre-existing conditions.
But here’s the kicker: don’t miss the deadlines.
You must apply no earlier than 60 days before the date your MA plan coverage ends.
And no later than 63 days after your MA coverage ends.
Think of it like an early-Christmas gift from the insurance company — don’t leave it unopened.
Open enrollment for Medicare runs Oct 15 – Dec 7 2026 so mark your calendar. To get a deeper dive, check out the videoMedicare: What the insurance companies won’t tell you
