Is my Medicare plan ending in Carmel, IN?
Medicare plans are set by county. Carmel is in Hamilton County, so the plans listed as leaving Hamilton County for 2027 apply to Carmel residents.
Quick answer for Carmel
18 Medicare plans are from 6 companies listed in Hamilton County for 2026 but not for 2027, covering at least 5,555 people enrolled today. If you live in Carmel and have one of these plans, you can choose a new plan from October 15 to December 7, and coverage starts January 1.
Companies with plans leaving Hamilton County
| Company | Plans leaving | People enrolled (at least) |
|---|---|---|
| Humana | 9 | 4,765 |
| UnitedHealthcare | 2 | 766 |
| Rifkin Managed Care Holding | 1 | 13 |
| Wellcare / Ambetter (Centene) | 3 | 11 |
| Cigna HealthSpring (HCSC) | 2 | not listed |
| Aetna (CVS Health) | 1 | not listed |
Plans going away in Hamilton County
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| Humana Gold Plus H5619-049 (HMO-POS) H5619-049 | Humana | 2,299 |
| AARP Medicare Advantage from UHC IN-0007 (PPO) H2406-067 | UnitedHealthcare | 766 |
| HumanaChoice H5216-114 (PPO) H5216-114 | Humana | 758 |
| HumanaChoice Giveback H7617-003 (PPO) H7617-003 | Humana | 591 |
| Humana USAA Honor Giveback with Rx (PPO) H7617-060 | Humana | 574 |
| Humana USAA Honor Giveback with Rx (PPO) H5216-307 | Humana | 310 |
| HumanaChoice Giveback H5216-309 (PPO) H5216-309 | Humana | 204 |
| Humana Gold Choice H8145-032 (PFFS) H8145-032 | Humana | 29 |
| Provider Partners Indiana Community Plan (HMO I-SNP) H4444-002 | Rifkin Managed Care Holding | 13 |
| Wellcare Assist (HMO-POS) H3499-008 | Wellcare / Ambetter (Centene) | 11 |
| Humana Gold Plus Chronic Kidney Disease (HMO C-SNP) H5619-170 | Humana | 10 or fewer |
| Humana Together in Health (PPO I-SNP) H5216-400 | Humana | 10 or fewer |
| UHC Nursing Home Plan IN-F001 (PPO I-SNP) H0710-013 | UnitedHealthcare | 10 or fewer |
| Wellcare Assist Open (PPO) H6348-009 | Wellcare / Ambetter (Centene) | 10 or fewer |
| Wellcare Patriot Giveback Open (PPO) H6348-005 | Wellcare / Ambetter (Centene) | 10 or fewer |
What to do if you live in Carmel
- Read the notice from your plan. It names the plan that is ending and your choices.
- Compare 2027 options before December 7: another Medicare Advantage plan, or Original Medicare with a Medicare Supplement and a Part D drug plan.
- Check that your doctors, hospitals and pharmacy near Carmel are covered by any plan you consider.
- Free, unbiased help: Indiana SHIP (State Health Insurance Assistance Program) at 1-800-452-4800, or Medicare.gov, 1-800-MEDICARE.
Is my Medicare plan ending in Carmel?
Medicare plans are offered by service area, usually county by county. Check the list above for your plan name or plan ID. A plan can be listed because it was renumbered or replaced, so your plan notice is the final word.
What happens if I do nothing in Carmel?
If your plan is not renewing and you do not choose a new one, you may be moved to Original Medicare, which does not include drug coverage. Compare options before December 7 and confirm your dates with Medicare.gov or your plan notice.
Do I have to enroll if I call?
No. Calling is a conversation about your options, and you are never required to enroll.
Carmel residents: call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095 Open 8 AM-10 PM Eastern timeMore for Carmel: Carmel health insurance · Hamilton County · All Indiana plans ending for 2027 · Carmel population 102,296 (Census Bureau).
Source: CMS Medicare Advantage and Part D landscape files for 2026 and 2027, and CMS enrollment data from September 2026.
Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.