{"id":7616,"date":"2026-10-15T06:35:43","date_gmt":"2026-10-15T06:35:43","guid":{"rendered":"https:\/\/tmsbrokerage.com\/?p=7616"},"modified":"2026-10-15T06:36:02","modified_gmt":"2026-10-15T06:36:02","slug":"2027-medicare-landscape-what-independent-agents-should-do","status":"publish","type":"post","link":"https:\/\/tmsbrokerage.com\/es\/2026\/10\/15\/2027-medicare-landscape-what-independent-agents-should-do\/","title":{"rendered":"The 2027 Medicare Landscape Files Just Dropped: What Independent Agents Should Actually Do This Week Before Plan Finder Goes Live October 1"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Now that CMS has released the 2027 Medicare Advantage and Part D landscape files in mid-to-late September, independent agents should spend this week mining aggregate market data \u2014 county-level plan counts, carrier exits, national premium trends \u2014 and cross-referencing it against their in-force book. You cannot quote specific 2027 plan premiums to clients yet. That&#8217;s the October 1 Plan Finder cutover. This week is prep, not pitch.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here&#8217;s the thing about landscape-file week. It&#8217;s the quietest, most useful stretch of the entire pre-AEP calendar, and most agents blow right past it because there&#8217;s nothing to sell yet. That&#8217;s exactly why it matters.<\/span><\/p>\n<h2><b>What is the 2027 Medicare landscape file and why does it drop before Plan Finder?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The Medicare landscape file is CMS&#8217;s annual industry-facing data release that summarizes plan availability, average premiums, and county-by-county plan counts for the upcoming plan year. Per CMS&#8217;s own<\/span><a href=\"https:\/\/www.cms.gov\/newsroom\/fact-sheets\/medicare-part-d-2027-national-average-monthly-bid-amount-information\"> <span style=\"font-weight: 400;\">Part D 2027 National Average Monthly Bid fact sheet<\/span><\/a><span style=\"font-weight: 400;\">, &#8220;CMS will release the 2027 MA and Part D landscape in mid-to-late September, once all offerings are finalized. In addition, CMS will release final average MA and Part D premiums, along with other key information, in September with the MA and Part D landscape.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That&#8217;s the industry drop. The consumer-facing Plan Finder \u2014 the tool your clients (and their kids) use to look up specific plans by ZIP \u2014 loads on October 1.<\/span><a href=\"https:\/\/themoneyoverview.com\/cms-says-2027-plan-prices-post-beginning-in-october-contradicting-the-mid-september-date-circulating-online\/\"> <span style=\"font-weight: 400;\">Money Overview clarified in September 2026<\/span><\/a><span style=\"font-weight: 400;\"> that CMS&#8217;s own communications confirm 2027 plan prices post beginning in October, not mid-September. Two different releases, two different audiences, two different compliance windows.<\/span><\/p>\n<h2><b>What can I do with landscape file data right now that I can&#8217;t quote to a client yet?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">You can analyze. You can plan. You can prep outreach cadence. You cannot quote a 2027 premium, benefit, copay, or MOOP to a specific client until October 1 when the CMS marketing rules cutover finishes and specific plan data is public.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here&#8217;s what the landscape file gives you:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">National trends (average MA premium, average Part D premium, projected enrollment shifts)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Plan counts per county (how many MA plans, how many PDP plans, how many SNPs)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Carrier participation at the county level<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Aggregate averages \u2014 not individual plan pricing for a specific ZIP<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Here&#8217;s what it doesn&#8217;t give you: the specific $0 premium HMO in Bexar County you&#8217;re going to enroll Mrs. Martinez in. That&#8217;s Plan Finder territory. For this week, you&#8217;re a market analyst, not a producing agent.<\/span><\/p>\n<h2><b>How do I read county-level plan-count changes for the counties I actually work?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Pull the county-level plan availability table from the landscape release and filter it to only the counties in your book. Then compare 2026 counts vs. 2027 counts, plan type by plan type. You&#8217;re looking for meaningful contraction \u2014 counties where MA availability dropped by 20% or more, or where a specific carrier disappeared entirely.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A workable process:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Export your in-force book grouped by county and carrier.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Load the 2027 landscape county file next to it in a spreadsheet.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flag every county where a carrier your clients are on no longer appears.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flag every county where total MA plan count dropped meaningfully.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flag every county where PDP options thinned out.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">In OmniReach we tag every in-force client by carrier and county, so a landscape-file crosswalk takes an hour, not a day. If your CRM can&#8217;t do that grouping quickly, this is the week you&#8217;ll notice.<\/span><\/p>\n<h2><b>What are the national headlines from the 2027 landscape I need to know?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Three big themes are showing up: continued carrier retrenchment in MA, meaningful shifts in Part D bid economics, and pressure on plan supplemental benefits. The<\/span><a href=\"https:\/\/www.cms.gov\/newsroom\/fact-sheets\/medicare-part-d-2027-national-average-monthly-bid-amount-information\"> <span style=\"font-weight: 400;\">CMS Part D 2027 bid fact sheet<\/span><\/a><span style=\"font-weight: 400;\"> is the primary source on the Part D side; the MA landscape data fills in the plan-count and premium picture.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You&#8217;ll also want the 2027 Star Ratings context. Ratings post in early October, and the draft cutpoints preview covered by<\/span><a href=\"https:\/\/www.healthcaredive.com\/news\/medicare-advantage-stars-cutpoints-2027-cms\/829963\/\"> <span style=\"font-weight: 400;\">Healthcare Dive<\/span><\/a><span style=\"font-weight: 400;\"> tells you which carriers are likely to lose the 4-Star bonus. Star movement plus landscape contraction is where next year&#8217;s disruption really lives.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On the consumer-cost side, Part B is projected around $209.50 per month for 2027 based on the Medicare Trustees Report \u2014 see<\/span><a href=\"https:\/\/www.investopedia.com\/\"> <span style=\"font-weight: 400;\">Investopedia&#8217;s September 2026 write-up on 2027 Medicare changes<\/span><\/a><span style=\"font-weight: 400;\"> \u2014 but that&#8217;s a projection, not the official number. CMS publishes the official Part B premium in late October or early November. Don&#8217;t quote the projection as fact.<\/span><\/p>\n<h2><b>How does the landscape file data connect to the Molina, Humana, Providence, and UnitedHealthcare 2027 exit reality?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The landscape file is where the exits become concrete at the county level. You&#8217;ve read the headlines: Humana confirmed roughly 600,000 members are being non-renewed for 2027 per<\/span><a href=\"https:\/\/www.goodsurance.com\/\"> <span style=\"font-weight: 400;\">Goodsurance&#8217;s September 2026 reporting<\/span><\/a><span style=\"font-weight: 400;\">, Molina is exiting Medicare Advantage entirely, Providence is winding down most of its MA footprint, UnitedHealthcare is trimming counties, and Presbyterian in New Mexico is exiting for 2027. The landscape file tells you exactly which of your counties are hit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The cross-reference workflow:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pull the carrier-by-county participation table from the landscape release.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Filter to the four exiting or contracting carriers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Match against your in-force book by policy.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Every match is a client who will get a non-renewal letter on or around October 2.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">That&#8217;s your Guaranteed Issue Medigap conversation list. That&#8217;s your Dec 8\u2013Feb 28 Special Enrollment Period list. That&#8217;s your priority outreach cohort. You already know the compliance frame from the W24 non-renewal playbook \u2014 the landscape file is the tool that turns &#8220;somewhere in my book&#8221; into a named list.<\/span><\/p>\n<h2><b>What client-facing communications are compliant BEFORE October 1 and which ones need to wait?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Educational, aggregate, non-plan-specific communication is fine before October 1. Anything that references specific 2027 plan premiums, benefits, formularies, or provider networks needs to wait until the marketing rules cutover on October 1. This aligns with the CY2027 marketing rules we covered in the W22 post.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What&#8217;s compliant this week:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">&#8220;Carriers have finalized their 2027 filings; we&#8217;ll review your options together after October 1.&#8221;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">General education about the AEP timeline (Oct 15 \u2013 Dec 7).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ANOC letter walkthroughs (your client already received their own).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Non-renewal notification prep for clients on exiting carriers \u2014 the fact of the non-renewal is factual, not marketing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reminders that Plan Finder goes live October 1.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">What is not compliant yet:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Specific 2027 premiums, copays, MOOPs, or supplemental benefits by plan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Formulary comparisons for 2027 PDPs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">&#8220;Here&#8217;s your best 2027 option&#8221; recommendations.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Any 2027 plan marketing collateral not filed and approved.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A template that works this week: &#8220;The carriers have finalized their 2027 plan filings and we&#8217;ll compare your options together after October 1, when specific pricing becomes public. If a mailer, robocall, or agent quotes you a specific 2027 premium before October 1, please forward it to me \u2014 that&#8217;s a red flag.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That message educates, protects, and positions you as the trusted source when the pricing does drop.<\/span><\/p>\n<h2><b>What&#8217;s my week-by-week workflow from landscape release through AEP open?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Here&#8217;s a clean cadence that respects both the compliance calendar and the operational reality:<\/span><\/p>\n<p><b>This week (landscape release week, mid-to-late September):<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pull county-by-county plan count changes for every county in your book.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identify counties where MA availability shrank meaningfully \u2014 those are your Medigap conversion prep counties.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cross-reference the Molina \/ Humana \/ Providence \/ UHC \/ Presbyterian exit lists against your in-force book.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Draft the compliant pre-Oct-1 outreach template above and get it approved by your FMO&#8217;s compliance team.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Finish AHIP and any outstanding carrier certifications (Wellcare, UHC, Humana, Aetna, BCBSTX, Cigna, WellMed, and any regionals you write).<\/span><\/li>\n<\/ul>\n<p><b>Week of September 28 \u2013 October 4:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Plan Finder loads October 1. Marketing rules cutover completes.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Star Ratings publish in early October.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Non-renewal letters mail to clients around October 2.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Begin one-to-one client conversations with actual plan data.<\/span><\/li>\n<\/ul>\n<p><b>Week of October 5 \u2013 11:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Book review calls with clients whose carrier is exiting.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Confirm GI Medigap eligibility windows where relevant.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Watch for the official 2027 Part B premium announcement (typically late October \/ early November).<\/span><\/li>\n<\/ul>\n<p><b>15 de octubre:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">AEP opens. You&#8217;ve already done the analysis, the outreach prep, and the certifications. Enrollment is execution, not scramble.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Agents across Texas \u2014 from the Rio Grande Valley to the Panhandle, and every metro in between \u2014 are running some version of this workflow this week. The ones who use the landscape file as a planning tool rather than ignoring it are the ones who walk into AEP with a clean, prioritized call list instead of a blank calendar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We break this down in more detail on the <\/span><a href=\"https:\/\/tmsbrokerage.com\/es\/medicareagentiq\/\"><b>Podcast Medicare Agent IQ<\/b><\/a><span style=\"font-weight: 400;\">, but the short version is: landscape-file week is prep week, and prep week is where AEP is actually won.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you want a shared landscape-file workflow \u2014 county crosswalk, carrier-exit book audit, and a compliant pre-Oct-1 client outreach template \u2014 that&#8217;s the kind of system TMS builds with its independent agents. TMS Insurance Brokerage is a Texas-based FMO with statewide reach.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Now that CMS has released the 2027 Medicare Advantage and Part D landscape files in mid-to-late September, independent agents should spend this week mining aggregate market data \u2014 county-level plan counts, carrier exits, national premium trends \u2014 and cross-referencing it against their in-force book. You cannot quote specific 2027 plan premiums to clients yet. That&#8217;s [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7617,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7616","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2027 Medicare Landscape: What Independent Agents Should Do<\/title>\n<meta name=\"description\" content=\"Learn how independent Medicare agents can use the 2027 landscape files to prepare for AEP, analyze plan changes, identify carrier exits, and prioritize client outreach.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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