Plans ending in 2027 · Colorado

Medicare Advantage Plans Ending in Otero County, Colorado for 2027

3 general Medicare Advantage plans sold in Otero County in 2026 are not offered here for 2027. All of them are discontinued everywhere, not just here. Here is the list from the federal plan file, what remains, and the three doors the October letter opens.

Medicare On Main Data Desk

Published October 6, 2026 · Data: CMS landscape files (2027 file updated 2026-09-22) and CMS September 2026 enrollment · Reviewed by Brian Penner

If your card shows one of the plans below, your plan is ending in Otero County and you need to choose 2027 coverage this fall. Everything on this page comes from the plan file CMS publishes each fall and its monthly enrollment report, compared plan number by plan number, not from a mailer. Carrier names are factual reporting, not criticism; plans from most companies changed somewhere for 2027.

Plans sold in Otero County in 2026 that are not offered here in 2027

Sources: CMS CY2026 and CY2027 landscape files, Otero County, Colorado, compared by Contract Plan ID; enrollment from CMS September 2026 CPSC report ("fewer than 11" is CMS's suppression; "—" means no county row). "Discontinued" = no row for that plan ID anywhere in the 2027 file. "Left this county" = still sold in other counties. Special Needs Plans are not in this table (5 → 5 here). 2027 Star Ratings are not yet published. A plan that is renamed or re-issued under a new ID appears as gone here and new below.

What is new in Otero County for 2027

No general Medicare Advantage plan is listed for Otero County in 2027 that was not already sold here in 2026.

Source: CMS CY2027 landscape file. Listing a plan is not a recommendation; whether it fits depends on your doctors, your prescriptions and your health.

What the rest of Otero County looks like for 2027

Sources: CMS landscape files (MA and MA-PD rows, SNP indicator No) · CMS 2027 state fact sheets (Colorado has 8 stand-alone drug plans for 2027). Companies for 2027: Humana.

The letter, and what it does not mean

Federal rules require a plan that is not renewing to notify each member by mail at least 90 calendar days before the plan ends (42 CFR § 422.506); for a December 31 end that puts the notice at October 2, and Medicare.gov describes the same letter (when a plan is no longer available in your area). It is a separate envelope from the Annual Notice of Change, which every plan sent by September 30. A plan that merely left this county while continuing elsewhere sends the same kind of notice to its members here.

The letter does not mean you are losing Medicare; Parts A and B are untouched. It does not mean your doctors are leaving. And it does not mean you need to call anyone to cancel: the plan ends on its own on December 31. Keep it. It is the document that proves your Medigap right.

Your three doors

1. Another Medicare Advantage plan from the 1 company still in Otero County, chosen during October 15 – December 7 so it starts January 1 (Medicare.gov). Compare in this order: your doctors and hospital, your prescriptions, the in-network cap, then the premium.
2. Original Medicare plus a Medigap policy plus a stand-alone drug plan. The exit opens the door: per Medicare.gov, when your plan leaves Medicare or your area you may buy Medigap Plan A, B, D, G, K or L with no health questions, applying as early as 60 days before and no later than 63 days after your coverage ends: November 1, 2026 through March 4, 2027. Plans C and F only if you were Medicare-eligible before 2020. No network: any provider that accepts Medicare. Colorado has 8 stand-alone drug plans for 2027.
3. Original Medicare plus a drug plan, no Medigap. Lowest premium, no network, no annual cap on your 20% share. Price it against your health before accepting it.

If you miss December 7, a discontinued plan also gives you a Special Enrollment Period from December 8 through February 28 to pick another Advantage plan (42 CFR § 422.62), but a plan chosen in January starts February 1, and January would be spent in Original Medicare with no drug coverage. A safety net, not a plan.

The calendar from here

What I would do this week

1. Find both letters, the Annual Notice of Change and any non-renewal notice, and put the second one where you can find it in February.
2. Write down every doctor you see, every prescription, and your pharmacy. Nothing can be compared until that list exists.
3. Decide the door before the plan. Advantage versus Medigap is the bigger decision. If you lean Medigap, the window opens November 1; there is no reason to wait for December.
4. Ignore the phone calls. A plan ending is a magnet for marketing. Nobody can enroll you in a 2027 plan before October 15, and no legitimate agent needs your Medicare number to "check" anything.
5. Enroll between October 15 and December 7. Earlier is fine; CMS says the last enrollment request wins, so you can change your mind inside the window.

How we know all this: the Medicare On Main Data Desk frames every page with public data, here the CMS CY2026 and CY2027 landscape files compared by Contract Plan ID, CMS's September 2026 county-level enrollment report, CMS's September 28, 2026 state fact sheets, and the federal rules and Medicare.gov pages on non-renewal notices, enrollment periods and Medigap guaranteed-issue rights. Mentioning a carrier is factual reporting, not endorsement or criticism. This is education, not advice; confirm plans, costs and eligibility with a licensed agent or Medicare.gov. We take no payment from any carrier to feature a plan.