With AEP just over 100 days away, here are the latest enrollment trends for the MA market.
We're seeing structural shift in how carriers are assessing their markets. Agents who understand it will have a real advantage heading into the fall.
The market is changing
Several major national carriers saw net enrollment losses during AEP and OEP. At the same time, new opportunities continue to emerge:
- MA enrollment has gained nearly 1 million new members from January to June, representing 3% growth.
- The fastest-growing segments are C-SNPs and giveback plans. Giveback enrollments grew 7.4%, while C-SNP enrollments grew 11% since January.
- Emerging carriers like Devoted, SCAN, and Alignment are stepping in where national carriers are pulling back.
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Carrier mix recommendations
This year, a winning shelf looks different: anchor carriers for volume and breadth, emerging carriers for specific growth markets, and category coverage (giveback, C-SNP, D-SNP, core HMO/PPO) to meet the full range of what clients need. Our recommendations:
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Aim for 6-8 contracts across these categories to ensure a diverse mix and depth:
- Anchor carriers such as Humana and Aetna provide volume, name recognition, and the ability to hold your existing book. UHC remains essential despite its net enrollment decline due to its scale.
- Newer carriers are emerging in specific geographies and high-growth segments. See if Devoted, SCAN, and Alignment are growing in your markets.
- As benefits shrink in core MA plans, review your category coverage. Carry at least one strong giveback plan, C-SNP, D-SNP where relevant, and core HMO/PPO options for volume.
Review your contracts now and identify any gaps in your lineup. The agents who show up to AEP 2027 with the right shelf will have a real edge.
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