US Medicare Plan Ending Action Steps

If an MA-PD plan ends and no replacement is chosen, Original Medicare starts January 1 and drug coverage ends; Extra Help members may be reassigned.
Original Medicare brings no annual out-of-pocket cap. In 2026, Part B costs $202.90 monthly, with a $283 deductible and Part A deductible of $1.7K.
An insurer plans to end coverage for ~600K Medicare Advantage members in 2027, making early notice letters a prompt to review replacement options.
Medigap guaranteed-issue rights open 60 days before ending and last 63 days after; drug coverage lapses beyond 63 days can trigger permanent Part D penalties.
Choosing by December 31 keeps January 1 protection; review every prescription, tier, and pharmacy, then pick new Advantage or Original Medicare with Part D.