Major Medicare-Medicaid Plan Changes Coming in 2026

If you’re enrolled in an MMP plan, your coverage is changing — but you won’t lose it.

The Centers for Medicare & Medicaid Services (CMS) is phasing out Medicare-Medicaid Plans (MMPs) by the end of 2025. These were pilot programs under the Medicare Medicaid Program MMP model, designed to coordinate care for people eligible for both. Now they’re being replaced to improve care quality and simplify everything for you.

What’s Changing?

Medicare MMP plan users will see that their plans are ending. These were part of a pilot to help coordinate benefits across Medicare and Medicaid. Replacing them are D-SNPs (Dual Eligible Special Needs Plans) that combine Medicare and Medicaid benefits under new structures:

• FIDE SNPs: Both programs under one organization.

• HIDE SNPs: Coordinate closely, especially for long-term and behavioral health.

Timeline & What to Expect

Most MMP plan Medicare contracts will end by December 2025. States like California, Illinois, Michigan, Ohio, and South Carolina will automatically transition many people into a D-SNP with the same insurance company. You’ll get notices from your plan or state Medicaid office. Your benefits won’t disappear — but the plan name, ID card, and extras may change.

What You Might Gain

• One card for both Medicare and Medicaid.

• Easier billing and coordination.

• Better care management and support for chronic conditions.

• Some new D-SNPs offer extras like OTC credits, dental, vision, transport, and fitness.

Why This Matters

These changes aim to improve care and cut confusion. But you still need to read your plan notices and understand your new choices before 2026. Don’t wait — understand how your Medicare Medicaid Plans MMPs will change and what it means for your coverage.

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