San Diego Medicare · 2027 Plan Year
Sharp is ending its Medicare Advantage plans for 2027. You have good options.
✓ Reviewed October 2026 for the 2027 plan year
If you're a Sharp Medicare Advantage member, your plan won't continue into 2027 ... but a plan leaving actually opens special rights most people don't know they have. We'll help you land on the right replacement, at no cost.
Licensed CA Medicare agent since 1999 · No cost · We never cold-call you
What's happening
Sharp is discontinuing its individual Medicare Advantage plans effective January 1, 2027. Your current coverage runs through the end of 2026. If you do nothing, you risk landing on coverage that wasn't chosen for your doctors or your prescriptions ... so this is the moment to pick your next plan on purpose, not by default.
The good news: because the plan is leaving (this isn't your choice), Medicare gives you protections and a wider set of options than you'd have in a normal year.
The part most people miss
When your plan is discontinued involuntarily, you get two time-limited rights at once:
📅 A Special Enrollment Period to choose a new Medicare plan outside the normal window.
🔑 Guaranteed-issue access to certain Medigap (Supplement) plans ... meaning you may be able to move to Original Medicare plus a Medigap plan without medical underwriting, even if your health has changed. That door does not stay open long.
Your two paths
🏥
A new Medicare Advantage plan
Keep the familiar low- or $0-premium structure with a fresh network. We match a plan to your doctors and your drug list so nothing important falls out of network.
🛡️
Original Medicare + Medigap + Part D
Broader freedom, any doctor that takes Medicare, predictable costs, no referrals. Your guaranteed-issue window makes this the rare moment to switch without health questions.
Which is right for you? It comes down to your doctors, your prescriptions, and how you want to handle big bills. That's exactly what we sort out together ... free, and with no pressure either way.
We'll match it to your doctors and your drugs
The whole game is making sure your prescriptions and your doctors are covered at the best total cost ... not just the lowest premium. That's why we ask for your medications below: so your options are real numbers, not a generic brochure.
Prefer to watch?
A few minutes with Dennis on this topic.
Common questions
▸ When exactly does my Sharp coverage end?
Sharp is discontinuing its individual Medicare Advantage plans effective January 1, 2027, so your current plan runs through December 31, 2026. We'll confirm your specific plan and make sure your replacement starts January 1 with no gap.
▸ Will I be left without coverage?
Not if you act in time. A discontinued plan triggers a Special Enrollment Period to choose a new plan, and if you do nothing you're generally returned to Original Medicare. The goal is to choose the right replacement before January 1.
▸ Can I move to a Medigap plan even with health conditions?
Often yes. Losing your plan involuntarily can trigger guaranteed-issue rights that let you buy certain Medigap plans without medical underwriting for a limited time. It's one of the most valuable things to check right now, because the window is short.
▸ What does your help cost?
Nothing. We're licensed California Medicare agents and our help is free ... your plan costs the same whether you use us or go direct.
Related help & next steps
Let's get you settled for 2027
A quick, free review with a licensed California Medicare agent ... we'll match your doctors and drugs and find your best replacement.
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