Best Medicare Advantage Plans in New Mexico for 2027
Every general-audience Medicare Advantage plan with drug coverage in New Mexico, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
New Mexico plans, ranked
Showing all 36 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Gold Plus H0028-019 (HMO)Humana · HMO6 of 33 counties · drug deductible $700Dental up to $4,000/yr · eyewear $250/yr | $0 | $3,800 | $3,800 | 4.5★ |
| 2 | Humana Total Complete (HMO)Humana · HMO6 of 33 counties · drug deductible $700Dental up to $4,000/yr · eyewear $250/yr | $0 | $3,800 | $3,800 | 4.5★ |
| 3 | DEVOTED CORE 001 NM (HMO)Devoted Health · HMO7 of 33 counties · drug deductible $650Dental up to $2,750/yr · eyewear $400/yr · OTC items $248/yr | $0 | $4,100 | $4,100 | Too new to rate |
| 4 | HealthSpring Preferred (HMO)HealthSpring · HMO5 of 33 counties · drug deductible $500Dental up to $1,200/yr · eyewear $100/yr | $0 | $4,300 | $4,300 | 2.5★ |
| 5 | AARP Medicare Advantage Essentials from UHC EP-1 (PPO)UnitedHealthcare · PPO5 of 33 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $4,450 | $4,450 | 4★ |
| 6 | HumanaChoice H5216-339 (PPO)Humana · PPO14 of 33 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $0 | $4,450 | $4,450 | 4★ |
| 7 | Humana Full Access (PPO)Humana · PPO6 of 33 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr | $60 | $3,900 | $4,620 | 4.5★ |
| 8 | DEVOTED CORE 005 NM (HMO)Devoted Health · HMO6 of 33 counties · drug deductible $650Dental up to $2,500/yr · eyewear $400/yr · OTC items $248/yr | $0 | $4,750 | $4,750 | Too new to rate |
| 9 | DEVOTED GIVEBACK EXTRAS 015 NM (HMO)Devoted Health · HMO7 of 33 counties · drug deductible $700Part B giveback $75/mo · Dental up to $3,000/yr · eyewear $400/yr · OTC items $736/yr | $0−$75 Part B giveback | $5,850 | $4,950 | Too new to rate |
| 10 | AARP Medicare Advantage from UHC EP-4 (PPO)UnitedHealthcare · PPO5 of 33 counties · drug deductible $440Dental up to $3,000/yr · eyewear $100/yr · hearing aids $700/yr | $66 | $4,200 | $4,992 | 4★ |
| 11 | HumanaChoice H5216-223 (PPO)Humana · PPO26 of 33 counties · drug deductible $300Dental up to $2,500/yr · eyewear $300/yr | $20 | $4,900 | $5,140 | 4★ |
| 12 | HumanaChoice H7617-068 (PPO)Humana · PPO6 of 33 counties · drug deductible $300Dental up to $3,000/yr · eyewear $300/yr | $20 | $4,900 | $5,140 | 4.5★ |
| 13 | DEVOTED GIVEBACK EXTRAS 016 NM (HMO)Devoted Health · HMO6 of 33 counties · drug deductible $700Part B giveback $75/mo · Dental up to $2,000/yr · eyewear $400/yr · OTC items $328/yr | $0−$75 Part B giveback | $6,150 | $5,250 | Too new to rate |
| 14 | DEVOTED GIVEBACK 002 NM (HMO)Devoted Health · HMO7 of 33 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $376/yr | $0−$184.70 Part B giveback | $8,000 | $5,784 | Too new to rate |
| 15 | DEVOTED GIVEBACK 006 NM (HMO)Devoted Health · HMO6 of 33 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $376/yr | $0−$184.70 Part B giveback | $8,000 | $5,784 | Too new to rate |
| 16 | AARP Medicare Advantage Direct OTC from UHC NM-14 (PPO)UnitedHealthcare · PPO4 of 33 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 17 | AARP Medicare Advantage Direct OTC from UHC NM-16 (PPO)UnitedHealthcare · PPO5 of 33 counties · drug deductible $595Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 18 | AARP Medicare Advantage Direct Plus from UHC NM-15 (PPO)UnitedHealthcare · PPO4 of 33 counties · drug deductible $595Dental up to $1,500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 19 | AARP Medicare Advantage Direct Plus from UHC NM-17 (PPO)UnitedHealthcare · PPO5 of 33 counties · drug deductible $595Dental up to $2,500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 20 | AARP Medicare Advantage Essentials from UHC NM-4 (PPO)UnitedHealthcare · PPO4 of 33 counties · drug deductible $580Preventive dental · eyewear $75/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 21 | AARP Medicare Advantage Essentials from UHC NM-5 (PPO)UnitedHealthcare · PPO5 of 33 counties · drug deductible $595Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 22 | AARP Medicare Advantage Extras from UHC EP-3 (PPO)UnitedHealthcare · PPO5 of 33 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 23 | Humana Value Choice (PPO)Humana · PPO9 of 33 counties · drug deductible $400Dental · eyewear $250/yr | $0 | $5,900 | $5,900 | 4★ |
| 24 | AARP Medicare Advantage from UHC NM-0001 (PPO)UnitedHealthcare · PPO4 of 33 counties · drug deductible $685Dental up to $2,000/yr · eyewear $100/yr · hearing aids $700/yr | $34 | $5,900 | $6,308 | 4★ |
| 25 | AARP Medicare Advantage from UHC NM-0002 (PPO)UnitedHealthcare · PPO5 of 33 counties · drug deductible $595Dental up to $2,000/yr · eyewear $150/yr · hearing aids $700/yr | $43 | $5,900 | $6,416 | 4★ |
| 26 | AARP Medicare Advantage Giveback from UHC NM-8 (PPO)UnitedHealthcare · PPO5 of 33 counties · drug deductible $220Part B giveback $61/mo · eyewear $100/yr · hearing aids $700/yr | $0−$61 Part B giveback | $7,150 | $6,418 | 4★ |
| 27 | AARP Medicare Advantage Giveback from UHC NM-7 (PPO)UnitedHealthcare · PPO4 of 33 counties · drug deductible $685Part B giveback $55/mo · eyewear $100/yr · hearing aids $700/yr | $0−$55 Part B giveback | $7,150 | $6,490 | 4★ |
| 28 | AARP Medicare Advantage from UHC NM-0009 (HMO-POS)UnitedHealthcare · HMO-POS3 of 33 counties · drug deductible $205Preventive dental · hearing aids $700/yr | $0 | $6,700 | $6,700 | 4★ |
| 29 | AARP Medicare Advantage from UHC NM-0010 (HMO-POS)UnitedHealthcare · HMO-POS1 of 33 counties · drug deductible $595Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $6,700 | $6,700 | 4★ |
| 30 | Humana Essentials Plus Giveback (PPO)Humana · PPO25 of 33 counties · drug deductible $450Part B giveback $63/mo · Dental up to $2,000/yr · eyewear $100/yr | $0−$63 Part B giveback | $7,850 | $7,094 | 4★ |
| 31 | AARP Medicare Advantage Extras from UHC NM-12 (PPO)UnitedHealthcare · PPO4 of 33 counties · drug deductible $685Dental up to $1,500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 32 | AARP Medicare Advantage Extras from UHC NM-13 (PPO)UnitedHealthcare · PPO5 of 33 counties · drug deductible $685Dental up to $2,500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 33 | AARP Medicare Advantage from UHC NM-0006 (PPO)UnitedHealthcare · PPO19 of 33 counties · drug deductible $685hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 34 | Blue Cross Medicare Advantage Basic (HMO-POS)Blue Cross and Blue Shield of IL, NM · HMO-POS4 of 33 counties · drug deductible $200Dental up to $750/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 3★ |
| 35 | AARP Medicare Advantage from UHC NM-0003 (PPO)UnitedHealthcare · PPO19 of 33 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $52 | $6,700 | $7,324 | 4★ |
| 36 | AARP Medicare Advantage Giveback from UHC EP-2 (PPO)UnitedHealthcare · PPO5 of 33 counties · drug deductible $240Part B giveback $67/mo · Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0−$67 Part B giveback | $9,850 | $9,046 | 4★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 3 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana USAA Honor Giveback (PPO)Humana · PPO27 of 33 countiesPart B giveback $125/mo · Dental up to $2,000/yr · eyewear $150/yr | $0−$125 Part B giveback | $6,200 | $4,700 | 4★ |
| 2 | AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO)UnitedHealthcare · PPO19 of 33 countiesPart B giveback $90/mo · Dental up to $1,500/yr · eyewear $150/yr · hearing aids $700/yr | $0−$90 Part B giveback | $7,150 | $6,070 | 4★ |
| 3 | AARP Medicare Advantage Patriot No Rx NM-MA01 (PPO)UnitedHealthcare · PPO9 of 33 countiesPart B giveback $65/mo · Dental up to $1,000/yr · eyewear $125/yr · hearing aids $700/yr | $0−$65 Part B giveback | $7,150 | $6,370 | 4★ |
County pages
Bernalillo County · Dona Ana County · San Juan County · Sandoval County · Santa Fe County
Questions
How many Medicare Advantage plans are available in New Mexico for 2027?
CMS lists 36 general-audience Medicare Advantage plans with drug coverage in New Mexico for 2027, from 4 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in New Mexico?
Yes. 29 of the 36 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which New Mexico Medicare Advantage plan has the lowest worst-case cost?
Humana Gold Plus H0028-019 (HMO) from Humana: $0 a month with an in-network out-of-pocket maximum of $3,800, so at most about $3,800 in premiums and in-network costs for the year. It is offered in 6 of 33 counties.
Which New Mexico Medicare Advantage plans have 4 or more stars?
28 of the 36 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which New Mexico Medicare Advantage plans have a Part B giveback?
8 of the 36 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $184.70 a month, from DEVOTED GIVEBACK 002 NM (HMO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in New Mexico?
The median in-network out-of-pocket maximum among these plans is $5,900. CMS allows up to $9,850 in 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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