Frequently Asked Questions About Medicare Coverage
Can you switch back to Original Medicare if you dislike your Medicare Advantage plan?
Yes, you can return to Original Medicare during the Annual Open Enrollment Period or the Medicare Advantage Open Enrollment Period. However, qualifying for a Medigap policy without medical underwriting depends on state laws.
Do you still have to pay the Part B premium if you choose Medicare Advantage?
Yes, you must continue paying your monthly Part B premium ($202.90 in 2026; projected $209.50 in 2027) even if your private plan charges a $0 monthly plan premium. Failing to pay Part B causes coverage loss.
What happens if your Medicare Advantage plan terminates coverage at the end of 2026?
If your plan leaves the market, CMS provides a Special Enrollment Period to select a new plan. You also gain guaranteed-issue rights to purchase certain Medigap plans without health screening if returning to Original Medicare.
How does the 2027 Part D drug cap protect your wallet?
The federal out-of-pocket cap limits spending on covered brand-name and generic prescriptions to $2,400 in 2027 (up from $2,100 in 2026). Once reaching this amount, your plan covers 100% of covered drug costs.
HealthyHabits.care is an independent publication and is not connected with or endorsed by the U.S. government or the federal Medicare program. This article is general information, not insurance or legal advice. For free, unbiased help with your coverage, contact your State Health Insurance Assistance Program (SHIP) or call 1-800-MEDICARE.
