The seven counties without a regular plan for 2027
A Medicare Advantage plan chooses which counties it serves, and you can join only a plan that serves the county you live in. For 2027, CMS data show no Medicare Advantage plan open to everyone in these counties in the Panhandle and western Oklahoma:
| County | Medicare Advantage plans open to everyone | Special needs plans |
|---|---|---|
| Beaver | 0 | 3 |
| Cimarron | 0 | 3 |
| Ellis | 0 | 3 |
| Harmon | 0 | 3 |
| Harper | 0 | 3 |
| Roger Mills | 0 | 3 |
| Texas | 0 | 3 |
Nearby counties also have few choices for 2027: Woods and Woodward counties have 4 plans each. Statewide, Oklahoma has 50 Medicare Advantage plans open to everyone, mostly in and around Oklahoma City and Tulsa. See how many Medicare Advantage plans are in Oklahoma for 2027.
Your options if you live in one of these counties
- Original Medicare (Part A and Part B), which works with any doctor or hospital in the U.S. that accepts Medicare.
- A standalone Part D plan for prescriptions. These are offered statewide.
- A Medigap policy to help pay Original Medicare's deductibles and coinsurance. Once you have one, Oklahoma's birthday rule lets you switch each year to a policy with equal or lesser benefits without health questions.
- A special needs plan, only if you qualify.
If your plan is leaving your county
- Read your plan's letter. A plan that won't renew in your county must tell you before open enrollment. Keep the letter.
- Choose new coverage by December 31, 2026. That way it starts January 1, 2027 with no gap. Your Special Enrollment Period runs through February 28, 2027.
- Apply for Medigap within your window. You can apply as early as 60 days before your plan coverage ends and up to 63 days after.
- Join a Part D plan. Without one, you'd have no drug coverage on January 1.
The full list of 2027 changes is on our plans ending in 2027 page. To compare Medigap and Part D options from the companies they work with, you can request a call from a licensed insurance agent. See also Medicare Advantage in Oklahoma.
Related questions
My plan is ending in 2027. What do I do?
Deadlines and steps.
Medicare Advantage vs. Original Medicare
How the two differ in Oklahoma.
Does Oklahoma have a Medigap birthday rule?
Yes: how it works.
Sources
- CMS — Medicare Advantage and Part D contract and enrollment data (CY2027 Landscape file)
- Medicare.gov — Special Enrollment Periods (plan contract not renewed)
- Medicare.gov — When can I buy a Medigap policy?
- Oklahoma Insurance Department — New Medicare Supplement Open Enrollment FAQs
More questions in this guide
- Can I use my Medicare Advantage plan outside Oklahoma?
- How do I compare Medicare Advantage plans in Oklahoma?
- How many Medicare Advantage plans are available in Oklahoma for 2027?
- What is the difference between Medicare Advantage and Original Medicare in Oklahoma?
Part of the guide: Medicare Advantage in Oklahoma · All questions
Frequently asked questions
What if I had a Medicare Advantage plan in one of these counties in 2026?
If your plan isn't renewing in your county, it must send you a notice. You get a Special Enrollment Period through February 28, 2027 to choose new coverage, and a federal right to buy certain Medigap policies without health questions. Choose by December 31, 2026 to avoid a gap.
Can I join a Medicare Advantage plan from a neighboring county?
No. You must live in a plan's service area to join it. Using a relative's address or a county where you don't live isn't allowed, and the plan can end your enrollment if it learns you live outside its area.
Who can join the special needs plans in these counties?
Special needs plans are only for people who qualify, such as those who have both Medicare and SoonerCare, live in a nursing home, or have certain chronic conditions. Each plan lists who can join in its materials.
Are Part D drug plans available in these counties?
Yes. Standalone Part D plans are offered statewide, so the same 9 plans are available in every Oklahoma county for 2027, including the seven counties without a regular Medicare Advantage plan.
Medicare in your Oklahoma county
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