CMS Delivers Big News to Close Out the Year! Major Wins Proposed for 2027 MA & Part D

An InTouch Financial Group Breakdown

As we step into December, CMS has given our industry and our communities one more reason to be thankful. Just after the Thanksgiving holiday, they released the 2027 Proposed Rule for Medicare Advantage (MA) and Part D, and it’s packed with impactful changes that would benefit both beneficiaries and brokers.

At InTouch Financial Group, we believe in staying ahead so we can educate, protect, and empower the people we serve. That’s why we’re breaking down the highlights of this proposal, because if finalized, these changes could reshape how we support clients and expand access to care in 2027 and beyond.

 Wins for Beneficiaries: Better Access, Better Care

1. New SEP if a Doctor Leaves the Network

   No more being stuck in a plan when a trusted doctor leaves. This rule would allow beneficiaries to change plans mid-year if their provider goes out-of-network, protecting continuity of care and reducing stress for those managing ongoing conditions.

2. Closing the Part D Donut Hole for Good

   With clearer guidelines on how manufacturer discounts apply toward the new $2,000 out-of-pocket cap (set by the Inflation Reduction Act), beneficiaries could see more predictable and manageable prescription drug costs. This means more people staying on their medications and healthier outcomes.

Support for Brokers: Real Tools, Not Roadblocks

CMS is also recognizing what we’ve always known: brokers are vital to the Medicare experience. We are often the first line of support for seniors and families navigating complex choices. These proposed updates make it easier to do that work effectively:

1. Simplified SOA and Event Rules

   No more mandatory wait periods between educational and marketing events or between SOAs and appointments. These changes mean more flexibility to serve clients when they’re ready.

2. TPMO Disclaimers Made Practical

   The TPMO disclaimer would simply need to be shared before discussing benefits, not within the first 60 seconds of every meeting, a small change that makes a big difference

   in trust-building conversations.

3. Call Recording Requirements Eased

   The retention period would drop from 10 years to 6 years, reducing compliance strain, especially for FMOs and agencies like ours managing large teams and volumes of calls.

An Encouraging Shift Toward Broker-Inclusive Policy

At InTouch, we’ve long advocated for policies that support both consumer protection and agent efficiency. This proposed rule reflects that balance, reinforcing the role of licensed, trusted advisors in today’s Medicare landscape.

If passed, this rule will:

• Give clients more options and control

• Help brokers guide with fewer restrictions

• Create space for stronger relationships and better service

There’s still more reform needed, but this is a step in the right direction, and a reminder that our work matters and our voices are being heard.

We’ll continue to keep you informed as this progresses. In the meantime, let’s stay focused on what we do best: educating our communities and delivering protection with purpose.

InTouch Financial Group