Medicare by State
Medicare Advantage Plans Missouri Residents Can Choose in 2027
Missouri has 1,371,496 people on Medicare. For 2027, CMS counts 174 Medicare Advantage plans, up from 157, and the average premium falls from $8.19 to $4.24. Missouri’s Medigap anniversary rule and disability protections matter if you switch.
- CMS lists 174 Medicare Advantage plans in Missouri for 2027, 17 more than in 2026.
- Missouri’s average Medicare Advantage premium falls from $8.19 to $4.24 a month, and every Missourian can get a $0-premium plan.
- Missouri Medigap holders can switch to the same plan with another insurer within 30 days before or after their policy anniversary.
- Missourians under 65 approved for Social Security disability have a guaranteed right to buy Medigap when they enroll in Part B.
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Medicare Advantage plans Missouri residents can buy for 2027 are more plentiful and much cheaper on average than this year. Missouri also has its own Medigap anniversary rule and guarantees Medigap to people under 65 on disability. This guide uses the newest CMS figures and the Missouri Department of Commerce and Insurance’s own guide to explain your choices, including how to get back to Medigap if Medicare Advantage stops working for you.
Medicare Advantage plans Missouri residents can choose in 2027
CMS published a Missouri fact sheet on September 28, 2026. It says 1,371,496 Missourians are enrolled in Medicare. Here are its figures for the Medicare Advantage plans Missouri residents can buy, plus drug plans:
| Measure (Missouri) | 2026 | 2027 |
|---|---|---|
| Medicare Advantage plans available | 157 | 174 |
| Average monthly Medicare Advantage premium | $8.19 | $4.24 |
| Lowest monthly Medicare Advantage premium | — | $0 |
| People with access to a $0-premium plan | — | 100% |
| Stand-alone Part D drug plans | — | 9 |
| Lowest stand-alone Part D premium | — | $5.30 |
| Stand-alone Part D members with a cheaper plan available than in 2026 | — | 100% |
| Stand-alone Part D members who get Extra Help | — | 21.16% |
A dash means the fact sheet gives no 2026 figure. Figures are from the CMS Missouri fact sheet as of September 28, 2026, and are shown for illustration only. They are not quotes or offers, and they can change. Confirm current numbers with Medicare or a licensed agent.
Missouri gains 17 plans while the national total slips from 5,553 to about 5,532, according to CMS’s 2027 press release. The Missouri average premium nearly halves, from $8.19 to $4.24, far below the projected national average of $12.00. CMS also says every Missourian in a stand-alone drug plan can find one with a lower premium than in 2026.
Hypothetical example: a Missourian pays the state’s average Medicare Advantage premium both years. In 2026 that is $8.19 x 12 = $98.28. In 2027 it is $4.24 x 12 = $50.88, a saving of $98.28 − $50.88 = $47.40. On Original Medicare, the cheapest stand-alone drug plan costs $5.30 x 12 = $63.60 a year, before Medigap and Part B. Averages hide a wide range, so compare actual plans at your ZIP code.
If your Missouri Medicare Advantage plan is not renewing
A growing market can still drop individual plans. If you received a non-renewal letter, your plan ends December 31, 2026. You can choose among the other Medicare Advantage plans Missouri carriers sell in your county, move to Original Medicare with Medigap and a drug plan, or do nothing. Doing nothing returns you to Original Medicare on January 1 with no drug coverage, which is rarely wise.
Medicare.gov says that when a plan’s contract isn’t renewed, you can switch from December 8 to the last day of February. Choosing by December 31 avoids a gap. Our guide on what to do when a Medicare Advantage plan is not renewing covers each step. If your plan leaves Medicare or stops serving your area, Missouri’s guide says you can buy Medigap Plan A, B, D, G, K or L from any company selling in the state.
The Missouri Medigap anniversary rule
The Department of Commerce and Insurance’s Missouri Medigap Shopping Guide (revised March 2025) describes a yearly switching right. You can switch insurance companies each year during the 30 days before or after your policy’s anniversary date. The guide’s example: if your policy expires June 30, you can switch between June 1 and July 30. Call your insurer to confirm your anniversary date.
For the same lettered plan, the guide says the new insurer cannot deny you coverage or impose a pre-existing condition waiting period. Moving to a more extensive plan will likely mean underwriting. Proof is simple: a renewal notice, invoice or old policy. Cancel your old policy only after the new one arrives. If an insurer says you don’t qualify, call the DCI Insurance Consumer Hotline at 800-726-7390.
The Missouri Medigap anniversary rule applies to people who already have Medigap. It does not move you from Medicare Advantage to Medigap. Once you hold a policy, though, it lets you shop for a better price every year. Our Medicare supplement birthday rule guide compares Missouri’s approach with birthday-rule states.
Leaving Medicare Advantage for Medigap in Missouri
Outside protected windows, Missouri Medigap insurers can ask health questions. The DCI guide lists eight guaranteed issue situations in which a company cannot deny you a policy. Four involve Medicare Advantage:
- Your plan leaves Medicare or stops serving your area. You can buy Plan A, B, D, G, K or L from any insurer selling in Missouri, if you switch to Original Medicare.
- You joined Medicare Advantage when first eligible at 65 and switch to Original Medicare within the first year. You can buy any Medigap policy sold in Missouri.
- You dropped Medigap to try Medicare Advantage and want to return within a year. You can get your old policy back if the same company still sells it, or Plan A, B, D, G, K or L.
- Your plan broke the rules or misled you. You can buy Plan A, B, D, G, K or L.
Keep the letters that prove your situation. Our Medicare supplement underwriting guide explains what insurers ask outside these windows.
Missouri Medigap under 65
Missouri Medigap under 65 is guaranteed in one key moment. The DCI guide says everyone under 65 who has been approved for Social Security disability has the guaranteed right to buy Medigap when they enroll in Part B. The cost may differ from policies sold to seniors, and the DCI rate materials show under-65 prices separately.
When disabled policyholders turn 65, the guide says they get a second open enrollment period. They can then choose any plan from any insurer and pay the same rates as other people with Medicare. If you are under 65 and comparing Medicare Advantage plans Missouri carriers offer, ask SHIP or DCI how this window applies to you before you choose. Missing it can make Medigap harder to get later.
How to compare Medicare Advantage plans Missouri carriers offer
Open Enrollment runs October 15 to December 7, 2026, and choices start January 1, 2027, per CMS. With 17 more plans and falling premiums, there is more to compare than last year. Then:
- List your care: doctors, hospitals, pharmacy and every drug with its dose.
- Use Medicare Plan Finder. It shows the Medicare Advantage plans Missouri offers at your ZIP code. Sort by total yearly cost.
- Call each provider about 2027 network status.
- Compare out-of-pocket maximums, referrals and prior authorization.
- Price Medigap with the DCI Medigap Rate Shopper Tool.
- Check income charges with our IRMAA calculator.
New to Medicare? Our Medicare enrollment calculator shows your windows. The Medicare Part C guide explains plan types, and the Annual Enrollment Period guide covers the fall window. From January 1 to March 31, the Medicare Advantage Open Enrollment Period allows one change. The DCI guide also warns: don’t buy Medigap while you have a Medicare Advantage plan, because they won’t work together.
Free Missouri Medicare counseling
Missouri SHIP is the state’s official State Health Insurance Assistance Program. It offers free, unbiased and confidential Missouri Medicare counseling through certified volunteers and community partners. The service is provided by Missouri Connections for Health, a nonprofit, with federal funding administered through the Department of Commerce and Insurance.
- Missouri SHIP: 800-390-3330.
- DCI Insurance Consumer Hotline: 800-726-7390, for Medigap questions or complaints.
- Medicare: 1-800-633-4227, 24 hours a day.
CMS says 21.16% of Missouri stand-alone drug plan members get Extra Help. If your income is limited, ask SHIP about Extra Help and the Medicare Savings Programs. Our Extra Help guide explains how it lowers drug costs.
Checklist for Missouri Medicare shoppers
Use this list with any of the Medicare Advantage plans Missouri carriers sell for 2027:
- Read your Annual Notice of Change or non-renewal letter.
- If your plan is ending, choose new coverage by December 31.
- Keep letters that prove a guaranteed issue situation.
- Confirm doctors and hospitals are in network for 2027.
- Check each drug on the 2027 formulary.
- Compare out-of-pocket maximums, not just premiums.
- If you have Medigap, note your anniversary window.
- Book free Missouri Medicare counseling if you want a second opinion.
Medicare Advantage plans Missouri: frequently asked questions
How many Medicare Advantage plans are there in Missouri for 2027?
CMS counts 174 plans for 2027, up from 157 in 2026. Plan Finder shows which are sold at your ZIP code.
Can I get a $0-premium plan in Missouri?
Yes. CMS says 100% of Missourians with Medicare can get a $0-premium Medicare Advantage plan in 2027. You still pay Part B and copays.
How does the Missouri Medigap anniversary rule work?
Each year, during the 30 days before or after your policy’s anniversary date, you can switch to the same lettered plan from another insurer without being denied, per the DCI guide.
Can I use the anniversary rule to leave Medicare Advantage?
No. It applies to Medigap policies. Leaving Medicare Advantage depends on the guaranteed issue situations in the DCI guide, such as a plan leaving your area or the first-year trial right.
Can I buy Missouri Medigap under 65?
Yes, if you are approved for Social Security disability: the DCI guide says you have a guaranteed right when you enroll in Part B. Prices may differ from senior rates.
Who gives free Medicare advice in Missouri?
Missouri SHIP, at 800-390-3330. Its counseling is free, unbiased and confidential.
Compare your Missouri options with a licensed agent
Octans Insurance is an independent agency. Our licensed agents work with 120+ carriers and can compare the Medicare Advantage plans Missouri carriers offer in your county with Medigap options, at no fee to you. Call (617) 935-9220. For free, unbiased help, call Missouri SHIP at 800-390-3330 or 1-800-MEDICARE. For life insurance rules, see our Missouri life insurance guide.
Keep Reading: Related Guides
- Life insurance in Missouri
- Medicare Part C
- Medicare Advantage plan not renewing
- Medicare enrollment calculator
- Missouri Medicaid burial rules
- Free Medicare help in Missouri
- Unclaimed life insurance in Missouri
We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
This article is for general information and is not tax, legal, or medical advice.
About examples and tools: Hypothetical examples, sample rates, calculators and quizzes on this site are for general educational and illustrative purposes only. They are not quotes, offers of coverage, or guarantees of eligibility, approval, price or benefits, and they are not legal, tax, financial or medical advice. The insurance company decides eligibility and price; Medicare rules are set by CMS and the Social Security Administration. Octans Insurance is not connected with or endorsed by the U.S. government or the federal Medicare program.
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