Ranked by math. Plans ranked on yearly cost from official federal and state data · ads and any paid links never change the order · not a broker; we don’t enroll you · how we’re funded →
2027 plans · CMS data · Ranked by math
Best Medicare Advantage Plans in New York for 2027
Every general-audience Medicare Advantage plan with drug coverage in New York, 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.
127plans with drug coverage
42with a $0 plan premium
$7,098lowest worst-case year
63rated 4+ stars by CMS
New York plans, ranked
Showing all 127 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Anthem Medicare Advantage 2 (HMO-POS)Anthem Blue Cross and Blue Shield HP · HMO-POS3 of 62 counties · drug deductible $230Dental up to $2,000/yr · eyewear $150/yr · hearing aids $3,000/yr · OTC items $400/yr | $29 | $6,750 | $7,098 | 5★ |
| 2 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS5 of 62 counties · drug deductible $700Dental up to $750/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 3★ |
| 3 | Community Blue Medicare HMO Signature (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO3 of 62 counties · drug deductible $700Dental up to $750/yr · eyewear $100/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 4 | Community Blue Medicare HMO Signature (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO2 of 62 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 5 | Community Blue Medicare HMO Signature (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO3 of 62 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 6 | Univera SeniorChoice Secure (HMO-POS)Excellus Health Plan, Inc · HMO-POS8 of 62 counties · drug deductible $250Dental up to $500/yr | $104.70 | $6,000 | $7,256 | 4★ |
| 7 | Community Blue Medicare HMO Distinct (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO2 of 62 counties · drug deductible $700Dental up to $1,500/yr · eyewear $200/yr · OTC items $180/yr | $68 | $6,750 | $7,566 | 4★ |
| 8 | AARP Medicare Advantage from UHC NY-29 (HMO-POS)UnitedHealthcare · HMO-POS9 of 62 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $39 | $7,150 | $7,618 | 3.5★ |
| 9 | Community Blue Medicare HMO Distinct (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO3 of 62 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr · OTC items $180/yr | $77 | $6,750 | $7,674 | 4★ |
| 10 | Community Blue Medicare HMO Distinct (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO3 of 62 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr · OTC items $140/yr | $80 | $6,750 | $7,710 | 4★ |
| 11 | Univera SeniorChoice Value Plus (HMO-POS)Excellus Health Plan, Inc · HMO-POS8 of 62 counties · drug deductible $295Dental up to $500/yr | $93.30 | $6,700 | $7,820 | 4★ |
| 12 | Trinity Health Plan New York No Premium (HMO)Trinity Health Plan New York · HMO8 of 62 counties · drug deductible $425Dental up to $1,000/yr · eyewear $250/yr · OTC items $100/yr | $0 | $7,900 | $7,900 | 3★ |
| 13 | CDPHP Clear Rx (HMO)CDPHP Medicare Advantage · HMO9 of 62 counties · drug deductible $500Dental up to $900/yr | $100 | $6,750 | $7,950 | 3.5★ |
| 14 | MVP Medicare Secure Plus with Part D (HMO-POS)MVP HEALTH CARE · HMO-POS39 of 62 counties · drug deductible $500Dental up to $300/yr · eyewear $175/yr · OTC items $80/yr | $165 | $6,000 | $7,980 | 3.5★ |
| 15 | CDPHP Choice Rx (HMO)CDPHP Medicare Advantage · HMO9 of 62 counties · drug deductible $250Dental up to $1,500/yr | $139 | $6,400 | $8,068 | 3.5★ |
| 16 | Community Blue Medicare HMO 651 (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO3 of 62 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · OTC items $160/yr | $118 | $6,700 | $8,116 | 4★ |
| 17 | Community Blue Medicare HMO 651 (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO2 of 62 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · OTC items $160/yr | $118 | $6,700 | $8,116 | 4★ |
| 18 | Community Blue Medicare HMO 651 (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO3 of 62 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · OTC items $160/yr | $118 | $6,700 | $8,116 | 4★ |
| 19 | Univera SeniorChoice Advanced (HMO-POS)Excellus Health Plan, Inc · HMO-POS8 of 62 counties · drug deductible $300Dental up to $500/yr | $75.40 | $7,500 | $8,405 | 4★ |
| 20 | Trinity Health Plan New York Cash Back (HMO)Trinity Health Plan New York · HMO8 of 62 counties · drug deductible $450Part B giveback $70/mo · Preventive dental up to $1,000/yr · eyewear $150/yr · OTC items $100/yr | $0−$70 Part B giveback | $9,250 | $8,410 | 3★ |
| 21 | DEVOTED CHOICE GIVEBACK 002 NY (PPO)Devoted Health · PPO2 of 62 counties · drug deductible $650Part B giveback $118/mo · Dental up to $250/yr · eyewear $400/yr · OTC items $156/yr | $0−$118 Part B giveback | $9,850 | $8,434 | Too new to rate |
| 22 | DEVOTED CHOICE GIVEBACK 004 NY (PPO)Devoted Health · PPO10 of 62 counties · drug deductible $650Part B giveback $118/mo · Dental up to $250/yr · eyewear $400/yr · OTC items $156/yr | $0−$118 Part B giveback | $9,850 | $8,434 | Too new to rate |
| 23 | DEVOTED CHOICE GIVEBACK 008 NY (PPO)Devoted Health · PPO2 of 62 counties · drug deductible $650Part B giveback $118/mo · Dental up to $250/yr · eyewear $400/yr · OTC items $156/yr | $0−$118 Part B giveback | $9,850 | $8,434 | Too new to rate |
| 24 | DEVOTED CHOICE GIVEBACK 010 NY (PPO)Devoted Health · PPO2 of 62 counties · drug deductible $650Part B giveback $118/mo · Dental up to $250/yr · eyewear $400/yr · OTC items $156/yr | $0−$118 Part B giveback | $9,850 | $8,434 | Too new to rate |
| 25 | Senior Blue 652 (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO10 of 62 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · OTC items $160/yr | $122 | $7,150 | $8,614 | 4★ |
| 26 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield HP · HMO-POS2 of 62 counties · drug deductible $200Dental up to $1,000/yr · eyewear $150/yr · hearing aids $3,000/yr | $59 | $8,000 | $8,708 | 3★ |
| 27 | DEVOTED CHOICE GIVEBACK EXTRAS 031 NY (PPO)Devoted Health · PPO2 of 62 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $350/yr · OTC items $388/yr | $0−$70 Part B giveback | $9,650 | $8,810 | Too new to rate |
| 28 | Medicare Blue Choice 026 (HMO-POS)Excellus Health Plan, Inc · HMO-POS4 of 62 counties · drug deductible $325Preventive dental · eyewear $200/yr | $115.30 | $7,500 | $8,884 | 4★ |
| 29 | DEVOTED CHOICE GIVEBACK EXTRAS 028 NY (PPO)Devoted Health · PPO2 of 62 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $150/yr · OTC items $268/yr | $0−$70 Part B giveback | $9,750 | $8,910 | Too new to rate |
| 30 | DEVOTED CHOICE GIVEBACK EXTRAS 029 NY (PPO)Devoted Health · PPO10 of 62 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $150/yr · OTC items $252/yr | $0−$70 Part B giveback | $9,750 | $8,910 | Too new to rate |
| 31 | DEVOTED CHOICE GIVEBACK EXTRAS 032 NY (PPO)Devoted Health · PPO2 of 62 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $200/yr · OTC items $380/yr | $0−$70 Part B giveback | $9,750 | $8,910 | Too new to rate |
| 32 | Anthem Medicare Advantage 2 (HMO-POS)Anthem Blue Cross and Blue Shield HP · HMO-POS1 of 62 counties · drug deductible $275Preventive dental · eyewear $125/yr · hearing aids $2,000/yr | $55 | $8,300 | $8,960 | 5★ |
| 33 | Medicare Blue Choice 030 (HMO-POS)Excellus Health Plan, Inc · HMO-POS13 of 62 counties · drug deductible $325Preventive dental · eyewear $200/yr | $125.30 | $7,500 | $9,004 | 4★ |
| 34 | Humana Gold Plus H3533-033 (HMO)Humana · HMO2 of 62 counties · drug deductible $550Dental · eyewear $200/yr | $0 | $9,050 | $9,050 | 3★ |
| 35 | Medicare Blue Choice Prime (HMO-POS)Excellus Health Plan, Inc · HMO-POS6 of 62 counties · drug deductible $700Preventive dental | $89.80 | $8,000 | $9,078 | 4★ |
| 36 | HumanaChoice H5970-028 (PPO)Humana · PPO3 of 62 counties · drug deductible $700Dental · eyewear $200/yr | $0 | $9,250 | $9,250 | 3★ |
| 37 | AARP Medicare Advantage from UHC NY-0007 (HMO-POS)UnitedHealthcare · HMO-POS8 of 62 counties · drug deductible $685Dental up to $1,000/yr · eyewear $75/yr · hearing aids $700/yr | $0 | $9,300 | $9,300 | 3.5★ |
| 38 | Independent Health's Encompass 65 RED 044 (HMO)Independent Health · HMO8 of 62 counties · drug deductible $510Dental up to $2,000/yr · eyewear $200/yr · hearing aids $250/yr per ear | $110 | $8,000 | $9,320 | 4.5★ |
| 39 | DEVOTED CHOICE 007 NY (PPO)Devoted Health · PPO2 of 62 counties · drug deductible $650Dental up to $1,750/yr · eyewear $300/yr | $0 | $9,350 | $9,350 | Too new to rate |
| 40 | AARP Medicare Advantage from UHC NY-0019 (PPO)UnitedHealthcare · PPO8 of 62 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $39 | $8,900 | $9,368 | 3★ |
| 41 | AARP Medicare Advantage from UHC NY-34 (HMO-POS)UnitedHealthcare · HMO-POS7 of 62 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $39 | $8,900 | $9,368 | 3.5★ |
| 42 | AARP Medicare Advantage from UHC NY-0012 (PPO)UnitedHealthcare · PPO3 of 62 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $9,400 | $9,400 | 3★ |
| 43 | Medicare Blue Choice 025 (HMO-POS)Excellus Health Plan, Inc · HMO-POS4 of 62 counties · drug deductible $700Preventive dental · eyewear $200/yr | $75.30 | $8,500 | $9,404 | 4★ |
| 44 | Wellcare Giveback Open (PPO)Wellcare · PPO48 of 62 counties · drug deductible $700Part B giveback $37/mo · Dental | $0−$37 Part B giveback | $9,850 | $9,406 | 3★ |
| 45 | AARP Medicare Advantage from UHC NY-0015 (PPO)UnitedHealthcare · PPO9 of 62 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $44 | $8,900 | $9,428 | 3★ |
| 46 | DEVOTED CHOICE 001 NY (PPO)Devoted Health · PPO2 of 62 counties · drug deductible $650Dental up to $1,750/yr · eyewear $100/yr | $0 | $9,500 | $9,500 | Too new to rate |
| 47 | DEVOTED CHOICE 003 NY (PPO)Devoted Health · PPO10 of 62 counties · drug deductible $650Dental up to $1,750/yr · eyewear $100/yr | $0 | $9,500 | $9,500 | Too new to rate |
| 48 | DEVOTED CHOICE 009 NY (PPO)Devoted Health · PPO2 of 62 counties · drug deductible $650Dental up to $1,750/yr · eyewear $150/yr | $0 | $9,500 | $9,500 | Too new to rate |
| 49 | Medicare Blue Choice 029 (HMO-POS)Excellus Health Plan, Inc · HMO-POS13 of 62 counties · drug deductible $700Preventive dental · eyewear $200/yr | $85.30 | $8,500 | $9,524 | 4★ |
| 50 | AARP Medicare Advantage from UHC NY-0006 (HMO-POS)UnitedHealthcare · HMO-POS12 of 62 counties · drug deductible $685Dental up to $1,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $54 | $8,900 | $9,548 | 3.5★ |
| 51 | Anthem Medicare Advantage 2 (HMO-POS)Anthem Blue Cross and Blue Shield HP · HMO-POS5 of 62 counties · drug deductible $240Preventive dental · eyewear $225/yr · hearing aids $1,000/yr · OTC items $180/yr | $34 | $9,250 | $9,658 | 5★ |
| 52 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield HP · HMO-POS5 of 62 counties · drug deductible $150Preventive dental · eyewear $175/yr · OTC items $120/yr | $44 | $9,250 | $9,778 | 3★ |
| 53 | Humana Gold Plus H3533-035 (HMO)Humana · HMO4 of 62 counties · drug deductible $700Dental up to $4,000/yr · eyewear $200/yr | $45 | $9,250 | $9,790 | 3★ |
| 54 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO11 of 62 counties · drug deductible $700Dental up to $750/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 55 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO7 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 56 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO1 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 57 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO16 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 3★ |
| 58 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO2 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 3★ |
| 59 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO14 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 60 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO4 of 62 counties · drug deductible $400Preventive dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 61 | Aetna Medicare Signature Care (HMO)Aetna Medicare · HMO6 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr · OTC items $60/yr | $0 | $9,850 | $9,850 | 3★ |
| 62 | CDPHP $0 Medicare Rx (HMO)CDPHP Medicare Advantage · HMO9 of 62 counties · drug deductible $700Dental up to $400/yr | $0 | $9,850 | $9,850 | 3.5★ |
| 63 | EmblemHealth VIP Value (HMO)EmblemHealth · HMO5 of 62 counties · drug deductible $650Dental · eyewear $150/yr · hearing aids $1,000/yr | $0 | $9,850 | $9,850 | 4★ |
| 64 | EmblemHealth VIP Value (HMO)EmblemHealth · HMO1 of 62 counties · drug deductible $650Dental · eyewear $150/yr · hearing aids $1,000/yr | $0 | $9,850 | $9,850 | 4★ |
| 65 | Healthfirst 65 Plus Plan (HMO)Healthfirst Medicare Plan · HMO7 of 62 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 3.5★ |
| 66 | Medicare Blue Choice 024 (HMO)Excellus Health Plan, Inc · HMO4 of 62 counties · drug deductible $700Preventive dental | $0 | $9,850 | $9,850 | 4★ |
| 67 | MetroPlus Platinum Plan (HMO)MetroPlus Health Plan · HMO5 of 62 counties · drug deductible $700Dental up to $1,500/yr · eyewear $500/yr · hearing aids $2,000/yr · OTC items $240/yr | $0 | $9,850 | $9,850 | 4★ |
| 68 | Univera SeniorChoice Basic (HMO)Excellus Health Plan, Inc · HMO8 of 62 counties · drug deductible $700Dental up to $500/yr | $0 | $9,850 | $9,850 | 4★ |
| 69 | Wellcare Assist Open (PPO)Wellcare · PPO48 of 62 counties · drug deductible $700Dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $9,850 | $9,850 | 3★ |
| 70 | Wellcare Fidelis Assist (HMO-POS)Wellcare · HMO-POS58 of 62 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr · hearing aids $350/yr per ear | $0 | $9,850 | $9,850 | 3★ |
| 71 | Wellcare Fidelis Simple (HMO-POS)Wellcare · HMO-POS58 of 62 counties · drug deductible $700Dental | $0 | $9,850 | $9,850 | 3★ |
| 72 | Wellcare Simple Open (PPO)Wellcare · PPO48 of 62 counties · drug deductible $700Dental · hearing aids $750/yr per ear | $0 | $9,850 | $9,850 | 3★ |
| 73 | Humana Gold Plus H3533-037 (HMO)Humana · HMO2 of 62 counties · drug deductible $700Dental up to $3,000/yr · eyewear $200/yr | $50 | $9,250 | $9,850 | 3★ |
| 74 | Medicare Blue Choice Optimum (HMO-POS)Excellus Health Plan, Inc · HMO-POS6 of 62 counties · drug deductible $100Dental up to $500/yr | $263 | $6,700 | $9,856 | 4★ |
| 75 | Aetna Medicare Premier (PPO)Aetna Medicare · PPO14 of 62 counties · drug deductible $700Dental up to $1,500/yr · eyewear $150/yr · OTC items $120/yr | $60 | $9,250 | $9,970 | 4★ |
| 76 | Medicare Blue Choice 028 (HMO)Excellus Health Plan, Inc · HMO13 of 62 counties · drug deductible $700Preventive dental | $14 | $9,850 | $10,018 | 4★ |
| 77 | HumanaChoice H5970-029 (PPO)Humana · PPO45 of 62 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr | $65 | $9,250 | $10,030 | 3★ |
| 78 | Healthfirst Increased Benefits Plan (HMO)Healthfirst Medicare Plan · HMO11 of 62 counties · drug deductible $700Dental up to $1,500/yr · eyewear $250/yr | $17.10 | $9,850 | $10,055 | 3.5★ |
| 79 | Medicare Blue Choice Core (HMO)Excellus Health Plan, Inc · HMO6 of 62 counties · drug deductible $700Preventive dental | $19 | $9,850 | $10,078 | 4★ |
| 80 | AARP Medicare Advantage from UHC NY-0013 (PPO)UnitedHealthcare · PPO7 of 62 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $49 | $9,500 | $10,088 | 3★ |
| 81 | MVP Medicare Preferred Gold with Part D (HMO-POS)MVP HEALTH CARE · HMO-POS11 of 62 counties · drug deductible $400Dental up to $300/yr · eyewear $175/yr · OTC items $100/yr | $277 | $6,800 | $10,124 | 3.5★ |
| 82 | VNS Health EasyCare (HMO)VNS Health Medicare · HMO20 of 62 counties · drug deductible $650Dental up to $2,500/yr · eyewear $200/yr · hearing aids $167/yr per ear · OTC items $200/yr | $25 | $9,850 | $10,150 | 4★ |
| 83 | Aetna Medicare Enhanced Extra (PPO)Aetna Medicare · PPO1 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $32 | $9,850 | $10,234 | 4★ |
| 84 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO5 of 62 counties · drug deductible $700Dental up to $1,500/yr · eyewear $250/yr | $35 | $9,850 | $10,270 | 4★ |
| 85 | EmblemHealth VIP Gold (HMO)EmblemHealth · HMO1 of 62 counties · drug deductible $200Dental · eyewear $300/yr · hearing aids $1,500/yr | $40 | $9,850 | $10,330 | 4★ |
| 86 | EmblemHealth VIP Saver (HMO)EmblemHealth · HMO5 of 62 counties · drug deductible $650Dental · eyewear $200/yr · hearing aids $1,500/yr | $40.40 | $9,850 | $10,335 | 4★ |
| 87 | EmblemHealth VIP Saver (HMO)EmblemHealth · HMO1 of 62 counties · drug deductible $650Dental · eyewear $200/yr · hearing aids $1,500/yr | $40.40 | $9,850 | $10,335 | 4★ |
| 88 | VillageCareMAX Medicare Select Advantage Plan (HMO)VillageCareMAX · HMO8 of 62 counties · drug deductible $700Dental up to $1,800/yr · eyewear $300/yr · hearing aids $188/yr per ear | $40.50 | $9,850 | $10,336 | 3.5★ |
| 89 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO4 of 62 counties · drug deductible $700Dental up to $2,000/yr · eyewear $250/yr | $41 | $9,850 | $10,342 | 4★ |
| 90 | AARP Medicare Advantage from UHC NY-0005 (HMO-POS)UnitedHealthcare · HMO-POS5 of 62 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $91 | $9,250 | $10,342 | 3.5★ |
| 91 | Aetna Medicare Elite Extra (PPO)Aetna Medicare · PPO3 of 62 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $47 | $9,850 | $10,414 | 4★ |
| 92 | Independent Health's Encompass 65 RED 045 (HMO)Independent Health · HMO8 of 62 counties · drug deductible $375Dental up to $2,000/yr · eyewear $200/yr · hearing aids $250/yr per ear | $286 | $7,000 | $10,432 | 4.5★ |
| 93 | Independent Health's Encompass 65 RED 042 (HMO)Independent Health · HMO8 of 62 counties · drug deductible $550Dental up to $1,500/yr · eyewear $200/yr · hearing aids $250/yr per ear | $49 | $9,850 | $10,438 | 4.5★ |
| 94 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO16 of 62 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $54 | $9,850 | $10,498 | 4★ |
| 95 | MVP Medicare Complete Wellness with Part D (PPO)MVP HEALTH CARE · PPO7 of 62 counties · drug deductible $700Preventive dental · eyewear $150/yr | $54 | $9,850 | $10,498 | 3.5★ |
| 96 | Aetna Medicare Elite (HMO)Aetna Medicare · HMO8 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $59 | $9,850 | $10,558 | 3★ |
| 97 | Aetna Medicare Elite Extra (PPO)Aetna Medicare · PPO2 of 62 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $59 | $9,850 | $10,558 | 4★ |
| 98 | Healthfirst Signature (HMO)Healthfirst Medicare Plan · HMO6 of 62 counties · drug deductible $550Dental up to $2,000/yr · eyewear $200/yr | $60 | $9,850 | $10,570 | 3★ |
| 99 | MVP Medicare Secure Plus Choice with Part D (PPO)MVP HEALTH CARE · PPO32 of 62 counties · drug deductible $500Dental up to $300/yr · eyewear $175/yr · OTC items $80/yr | $256 | $7,500 | $10,572 | 3.5★ |
| 100 | Aetna Medicare Enhanced (HMO-POS)Aetna Medicare · HMO-POS2 of 62 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr | $69 | $9,850 | $10,678 | 3★ |
| 101 | Anthem Medicare Advantage 3 (HMO-POS)Anthem Blue Cross and Blue Shield HP · HMO-POS1 of 62 counties · drug deductible $275Preventive dental · eyewear $200/yr · hearing aids $2,000/yr · OTC items $120/yr | $70 | $9,850 | $10,690 | 5★ |
| 102 | MVP Medicare WellValue with Part D (HMO-POS)MVP HEALTH CARE · HMO-POS32 of 62 counties · drug deductible $700Preventive dental · eyewear $150/yr | $71 | $9,850 | $10,702 | 3.5★ |
| 103 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO6 of 62 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $79 | $9,850 | $10,798 | 4★ |
| 104 | Aetna Medicare Elite Extra (PPO)Aetna Medicare · PPO2 of 62 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $79 | $9,850 | $10,798 | 4★ |
| 105 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO2 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $79 | $9,850 | $10,798 | 4★ |
| 106 | Anthem Medicare Advantage (HMO)Anthem Blue Cross and Blue Shield HP · HMO1 of 62 counties · drug deductible $200 | $81 | $9,850 | $10,822 | 3★ |
| 107 | Independent Health's Medicare Passport Connect (PPO)Independent Health · PPO8 of 62 counties · drug deductible $700Dental up to $1,500/yr · eyewear $200/yr | $81 | $9,850 | $10,822 | 4.5★ |
| 108 | Aetna Medicare Enhanced (HMO)Aetna Medicare · HMO1 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $84 | $9,850 | $10,858 | 3★ |
| 109 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO5 of 62 counties · drug deductible $700Preventive dental · eyewear $150/yr | $86 | $9,850 | $10,882 | 4★ |
| 110 | Healthfirst Signature (HMO)Healthfirst Medicare Plan · HMO4 of 62 counties · drug deductible $550Dental up to $2,000/yr · eyewear $200/yr | $92 | $9,850 | $10,954 | 2.5★ |
| 111 | Anthem Medicare Advantage (HMO)Anthem Blue Cross and Blue Shield HP · HMO1 of 62 counties · drug deductible $100 | $96 | $9,850 | $11,002 | 3★ |
| 112 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO3 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $101 | $9,850 | $11,062 | 4★ |
| 113 | Aetna Medicare Enhanced (HMO)Aetna Medicare · HMO2 of 62 counties · drug deductible $700Preventive dental · eyewear $150/yr | $104 | $9,850 | $11,098 | 3★ |
| 114 | EmblemHealth VIP Gold (HMO)EmblemHealth · HMO1 of 62 counties · drug deductible $200Dental · eyewear $300/yr · hearing aids $1,500/yr | $105 | $9,850 | $11,110 | 4★ |
| 115 | Aetna Medicare Elite (HMO)Aetna Medicare · HMO1 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $109 | $9,850 | $11,158 | 3★ |
| 116 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO5 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $109 | $9,850 | $11,158 | 4★ |
| 117 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO1 of 62 counties · drug deductible $700Preventive dental · eyewear $150/yr | $109 | $9,850 | $11,158 | 4★ |
| 118 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO16 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $109 | $9,850 | $11,158 | 3★ |
| 119 | Community Blue Medicare HMO Standard (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO8 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $368 | $7,150 | $11,566 | 4★ |
| 120 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO11 of 62 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $149 | $9,850 | $11,638 | 4★ |
| 121 | Healthfirst Signature (PPO)Healthfirst Medicare Plan · PPO9 of 62 counties · drug deductible $700Dental up to $1,500/yr | $155 | $9,850 | $11,710 | 3★ |
| 122 | Medicare Blue Choice 032 (HMO-POS)Excellus Health Plan, Inc · HMO-POS8 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $155.30 | $9,850 | $11,714 | 4★ |
| 123 | EmblemHealth VIP Gold (HMO)EmblemHealth · HMO2 of 62 counties · drug deductible $200Dental · eyewear $300/yr · hearing aids $1,500/yr | $166 | $9,850 | $11,842 | 4★ |
| 124 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO4 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $177 | $9,850 | $11,974 | 3★ |
| 125 | EmblemHealth VIP Core (HMO)EmblemHealth · HMO1 of 62 counties · drug deductible $650 | $180 | $9,850 | $12,010 | 3.5★ |
| 126 | EmblemHealth VIP Gold Plus (HMO)EmblemHealth · HMO7 of 62 counties · drug deductible $200Dental · eyewear $300/yr · hearing aids $1,500/yr | $216 | $9,850 | $12,442 | 4★ |
| 127 | MVP Medicare WellValue with Part D (HMO-POS)MVP HEALTH CARE · HMO-POS11 of 62 counties · drug deductible $700Preventive dental · eyewear $150/yr | $217 | $9,850 | $12,454 | 3.5★ |
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 18 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 · PPO47 of 62 countiesPart B giveback $110/mo · Dental up to $2,000/yr · eyewear $250/yr | $0−$110 Part B giveback | $4,950 | $3,630 | 3★ |
| 2 | Anthem Veteran 2 (HMO-POS)Anthem Blue Cross and Blue Shield HP · HMO-POS10 of 62 countiesPart B giveback $125/mo · Dental up to $1,500/yr · OTC items $260/yr | $0−$125 Part B giveback | $6,800 | $5,300 | 5★ |
| 3 | Trinity Health Plan New York Glory No RX (HMO)Trinity Health Plan New York · HMO8 of 62 countiesPart B giveback $60/mo · Dental up to $1,000/yr · eyewear $225/yr · OTC items $200/yr | $0−$60 Part B giveback | $6,300 | $5,580 | 3★ |
| 4 | AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS)UnitedHealthcare · HMO-POS41 of 62 countiesPart B giveback $125/mo · Dental up to $1,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $0−$125 Part B giveback | $7,150 | $5,650 | 3.5★ |
| 5 | Independent Health's Encompass 65 (HMO)Independent Health · HMO8 of 62 countiesPart B giveback $60/mo · Dental up to $2,000/yr · eyewear $200/yr · hearing aids $250/yr per ear · OTC items $300/yr | $0−$60 Part B giveback | $6,750 | $6,030 | 4.5★ |
| 6 | Freedom Valor (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO8 of 62 countiesPart B giveback $50/mo · Dental up to $2,000/yr · eyewear $100/yr · hearing aids $500/yr · OTC items $160/yr | $0−$50 Part B giveback | $6,700 | $6,100 | 4.5★ |
| 7 | Medicare Blue Choice Freedom (HMO-POS)Excellus Health Plan, Inc · HMO-POS6 of 62 countiesPart B giveback $26/mo · Preventive dental · eyewear $200/yr | $0−$26 Part B giveback | $6,500 | $6,188 | 4★ |
| 8 | Univera Medicare Freedom (HMO-POS)Excellus Health Plan, Inc · HMO-POS8 of 62 countiesPart B giveback $25/mo · Dental up to $500/yr · eyewear $250/yr | $0−$25 Part B giveback | $6,500 | $6,200 | 4★ |
| 9 | Medicare Blue Choice 027 (HMO-POS)Excellus Health Plan, Inc · HMO-POS4 of 62 countiesPreventive dental · eyewear $200/yr | $0 | $6,500 | $6,500 | 4★ |
| 10 | Medicare Blue Choice 031 (HMO-POS)Excellus Health Plan, Inc · HMO-POS13 of 62 countiesPreventive dental · eyewear $200/yr | $0 | $6,500 | $6,500 | 4★ |
| 11 | Medicare Blue Choice 033 (HMO-POS)Excellus Health Plan, Inc · HMO-POS8 of 62 countiesPreventive dental · eyewear $200/yr | $0 | $6,500 | $6,500 | 4★ |
| 12 | CDPHP Core (HMO)CDPHP Medicare Advantage · HMO9 of 62 countiesDental up to $1,000/yr · eyewear $250/yr | $15 | $6,400 | $6,580 | 3.5★ |
| 13 | Senior Blue 601 (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO8 of 62 countiesPart B giveback $7/mo · Dental up to $2,000/yr · eyewear $100/yr · OTC items $100/yr | $0−$7 Part B giveback | $6,700 | $6,616 | 4★ |
| 14 | MVP Medicare Preferred Gold without Part D (HMO-POS)MVP HEALTH CARE · HMO-POS44 of 62 countiesPreventive dental · eyewear $150/yr · OTC items $100/yr | $0 | $7,200 | $7,200 | 3.5★ |
| 15 | MVP Medicare Preferred Gold without Part D (HMO-POS)MVP HEALTH CARE · HMO-POS11 of 62 countiesDental up to $300/yr · eyewear $150/yr · OTC items $100/yr | $0 | $7,200 | $7,200 | 3.5★ |
| 16 | Aetna Medicare Eagle Giveback (PPO)Aetna Medicare · PPO53 of 62 countiesPart B giveback $100/mo · Dental up to $2,000/yr · eyewear $375/yr · OTC items $240/yr | $0−$100 Part B giveback | $9,850 | $8,650 | 4★ |
| 17 | Aetna Medicare Eagle Giveback (PPO)Aetna Medicare · PPO9 of 62 countiesPart B giveback $80/mo · Dental up to $1,500/yr · eyewear $200/yr · OTC items $240/yr | $0−$80 Part B giveback | $9,850 | $8,890 | 4★ |
| 18 | Wellcare Fidelis Patriot Simple (HMO-POS)Wellcare · HMO-POS58 of 62 countiesDental up to $2,000/yr · eyewear $200/yr · hearing aids $750/yr per ear | $0 | $9,850 | $9,850 | 3★ |
County pages
Albany County · Bronx County · Broome County · Chautauqua County · Dutchess County · Erie County · Jefferson County · Kings County · Monroe County · Nassau County · New York County · Niagara County · Oneida County · Onondaga County · Ontario County · Orange County · Oswego County · Queens County · Rensselaer County · Richmond County · Rockland County · Saratoga County · Schenectady County · St. Lawrence County · Suffolk County · Tompkins County · Ulster County · Westchester County
Questions
How many Medicare Advantage plans are available in New York for 2027?
CMS lists 127 general-audience Medicare Advantage plans with drug coverage in New York for 2027, from 16 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 York?
Yes. 42 of the 127 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which New York Medicare Advantage plan has the lowest worst-case cost?
Anthem Medicare Advantage 2 (HMO-POS) from Anthem Blue Cross and Blue Shield HP: $29 a month with an in-network out-of-pocket maximum of $6,750, so at most about $7,098 in premiums and in-network costs for the year. It is offered in 3 of 62 counties.
Which New York Medicare Advantage plans have 4 or more stars?
63 of the 127 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 York Medicare Advantage plans have a Part B giveback?
10 of the 127 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $118 a month, from DEVOTED CHOICE GIVEBACK 002 NY (PPO). 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 York?
The median in-network out-of-pocket maximum among these plans is $9,850. 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
Keep going
Other states
Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming