---
title: "Medicare Advantage plans in New York County, NY for 2027"
description: "26 Medicare Advantage plans from 10 insurers in New York County, New York for 2027: 15 with a $0 premium, out-of-pocket maximums $4,950 to $9,850. CMS data, local SHIP help and how to compare."
url: https://seniortransitionassistance.com/medicare-advantage/counties/ny/new-york-county/
updated: 2026-10-16
site: Senior Transition Assistance
---

Medicare Advantage · 2027 plan year

# Medicare Advantage plans in New York County, New York for 2027

2027 plan year

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26 plans from 10 insurers, with CMS numbers for New York County, New York and free local help.

Quick answer

CMS lists 26 Medicare Advantage plans from 10 insurers that people with Medicare can join in New York County, New York for 2027. 15 have a $0 monthly premium and 21 include drug coverage. In-network out-of-pocket maximums run from $4,950 to $9,850 a year. 7 of the 26 plans with a 2027 star rating have 4 or more stars. Data last updated September 22, 2026 (CMS landscape 202609.1); star ratings October 8, 2026.

**We do not offer every plan available in your area.** Currently we represent a small number of insurance agencies and the plans they carry. Please contact Medicare.gov, 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day / 7 days a week, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.

We are an independent information and referral resource. We are not connected with, endorsed by, or acting on behalf of the United States government, the Centers for Medicare & Medicaid Services, or the federal Medicare program. Calling a number on this page connects you with a licensed insurance agent or a third-party marketing partner.

## 2027 plan numbers for New York County

### New York County at a glance

Plans open to everyone
26

With a $0 monthly premium
15

With drug coverage
21

In-network out-of-pocket maximum
$4,950 to $9,850

Insurers with plans
10

Plans rated 4+ stars
7 of 26 rated

Special needs plans (qualifying members only)
35

Plans open to everyone means Medicare Advantage and Medicare Advantage with drug coverage plans that are not special needs plans. Premium means the plan premium; your Part B premium is separate.

New York County ranks #21 among US counties by population (Census estimate for July 1, 2025: 1,664,862 people). By number of plans offered it ranks #21 of the 62 counties in New York that have plans, and #1312 of the 3,040 counties in the country that have plans.

### Plans by type

| Plan type | Plans | What it generally means |
|---|---|---|
| HMO | 9 | Care usually has to come from the plan's network. |
| HMO with point-of-service (HMO-POS) | 8 | An HMO that covers some out-of-network care. |
| PPO | 9 | Out-of-network care is allowed, usually at a higher cost. |

### Insurers with plans in New York County

| Insurer | Plans in New York County | Share of plans |
|---|---|---|
| Wellcare | 6 | 23% |
| Healthfirst Medicare Plan | 4 | 15% |
| Aetna Medicare | 3 | 12% |
| Anthem Blue Cross and Blue Shield HP | 3 | 12% |
| Humana | 3 | 12% |
| UnitedHealthcare | 3 | 12% |
| EmblemHealth | 1 | 4% |
| MetroPlus Health Plan | 1 | 4% |
| VNS Health Medicare | 1 | 4% |
| VillageCareMAX | 1 | 4% |

## How New York County compares with the rest of New York

The state column is the average of the 62 New York counties that have Medicare Advantage plans in the CMS file; each county counts once, whatever its population.

| Measure | New York County | Average New York county |
|---|---|---|
| Plans open to everyone | 26 | 23.2 |
| Plans with a $0 premium | 58% | 56% |
| Insurers with plans | 10 | 6.9 |
| PPO and Regional PPO share of plans | 35% | 38% |
| Lowest out-of-pocket maximum | $4,950 | $5,304 |
| Highest out-of-pocket maximum | $9,850 | $9,850 |
| Rated plans with 4+ stars | 27% | 34% |
| Plans with drug coverage | 81% | 74% |

- 10 insurers sell plans in New York County, above the New York county average of 6.9.
- 5 of the 26 plans do not include drug coverage.
- The plan count here (26) is close to the New York county average of 23.2.

## What this means in New York County

New York County has 26 plans from 10 insurers, in line with the New York county average of 23.2. More insurers means more provider networks to check against your doctors. 15 of 26 plans have a $0 premium and the rest charge one, so weigh premium against the out-of-pocket maximum, which is $4,950 to $9,850. A $0 premium does not remove copays or coinsurance, and your Part B premium is separate.

The list mixes 17 HMO-style and 9 PPO-style plans, so network rules differ from plan to plan; read each plan's provider rules. 7 of the 26 rated plans have 4 or more stars. CMS rates the insurer's contract, so look up the rating of the specific plan you are considering.

## How to compare plans in New York County

- **Doctors and hospitals.** Ask each plan whether your doctors, your hospital and any specialists are in its network today. 17 of 26 plans here are HMO or HMO-POS and 9 are PPO-type, so the rules differ.
- **Prescriptions.** 21 of 26 plans include drug coverage. For each drug, check the plan's formulary, the tier it sits on and the pharmacy you would use.
- **Out-of-pocket cap.** The in-network maximum runs $4,950 to $9,850 a year depending on the plan, a gap of $4,900. The cap is what limits a hospital stay or a run of treatments.
- **Extras and cost-sharing.** Compare copays for primary care, specialists and the emergency room, and any dental, vision and hearing benefits you would use.
- **Star rating.** 7 of the 26 rated plans have 4 or more stars. Ask for the rating of the exact plan, then see how it handles the doctors and drugs above.

Plan Finder at Medicare.gov shows every plan available at your address. If your ZIP code is in New York County, you can also [check plan counts for your ZIP code](https://seniortransitionassistance.com/medicare-advantage-zip/) on this site.

## Dates that matter for 2027 coverage

- **Open enrollment runs October 15 to December 7, 2026.** You can join, switch or drop a Medicare Advantage plan in that window.
- **Coverage changes take effect January 1, 2027.** Plans send an Annual Notice of Change in the fall listing what is different next year.

## Free local Medicare help in New York

The State Health Insurance Assistance Program (SHIP) gives free, unbiased Medicare counseling. In New York it is run as Health Insurance Information, Counseling and Assistance Program (HIICAP).

### HIICAP in New York

Program
Health Insurance Information, Counseling and Assistance Program (HIICAP)

Phone
[1-800-701-0501](tel:18007010501)

Website
[aging.ny.gov/health-insurance-information-counseling-and-assistance](https://aging.ny.gov/health-insurance-information-counseling-and-assistance)

Program name, number and website as listed by the [SHIP National Technical Assistance Center](https://www.shiphelp.org/ships/new-york/), checked October 15, 2026.

Per the NY State Office for the Aging, callers are routed to the HIICAP in the county where they live.

You can also reach Medicare at 1-800-MEDICARE (1-800-633-4227, TTY 1-877-486-2048) or compare plans at [medicare.gov/plan-compare](https://www.medicare.gov/plan-compare/).

## Questions about Medicare Advantage in New York County

### How many Medicare Advantage plans are in New York County for 2027?

CMS lists 26 general Medicare Advantage plans in New York County, New York for 2027: 9 HMO, 8 HMO-POS, and 9 PPO. 21 of them include drug coverage. That count leaves out special needs plans (35 more, for people who qualify), cost plans and stand-alone drug plans.

### Are there $0 premium Medicare Advantage plans in New York County?

Yes. 15 of the 26 plans (58%) have a $0 monthly plan premium. You still pay your Part B premium, and the plan may charge copays or coinsurance up to its out-of-pocket maximum.

### Which insurers offer Medicare Advantage plans in New York County?

10 insurers offer plans in New York County, New York. The five with the most plans are Wellcare (6), Healthfirst Medicare Plan (4), Aetna Medicare (3), Anthem Blue Cross and Blue Shield HP (3), Humana (3).

### What is the most I could pay out of pocket in New York County?

In-network out-of-pocket maximums for the 26 plans run from $4,950 to $9,850 a year, depending on the plan. The maximum covers covered services in the plan's network; it does not include the plan's monthly premium.

### How many Medicare Advantage plans in New York County have 4 or more stars?

7 of the 26 plans with a 2027 star rating are rated 4 stars or higher. No plans are not yet rated or have too little data, and star ratings are given to the insurer's contract.

## Sources and what is counted

Source: [CMS Medicare Advantage and Part D Landscape source file, contract year 2027, release 202609.1](https://www.cms.gov/files/zip/cy2027-landscape-202609-1.zip) (file cy2027-landscape-202609-1.zip, CY2027_Landscape_202609.csv), data last updated September 22, 2026; [CMS 2027 Part C and D Star Ratings data tables](https://www.cms.gov/files/zip/2027-star-ratings-data-tables-oct-8-2026.zip) (Summary Ratings table), October 8, 2026; [U.S. Census Bureau Vintage 2025 county population estimates](https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/counties/totals/co-est2025-alldata.csv) (July 1, 2025). Plans counted by Senior Transition Assistance.

A plan is one CMS contract and plan ID offered in New York County. Counts cover Medicare Advantage and Medicare Advantage with drug coverage plans that are open to everyone. Special needs plans, cost plans, employer-only plans and stand-alone Part D plans are not in the counts above. The $0-premium count uses the combined plan premium (Part C plus Part D) when the plan has drug coverage. Star ratings are CMS overall ratings for plans with drug coverage and Part C summary ratings for plans without. Out-of-pocket maximums are the in-network amounts CMS lists.

Figures are for plan year 2027 and come from CMS files dated as shown; the CMS landscape can change before January 1. Confirm any plan's details on Medicare.gov or with the plan.

## Keep reading

- [Medicare Advantage plans in 40 large US counties](https://seniortransitionassistance.com/medicare-advantage/counties/)
- [Medicare open enrollment dates and changes](https://seniortransitionassistance.com/medicare-advantage/open-enrollment/)
- [Medicare Advantage vs. Original Medicare](https://seniortransitionassistance.com/medicare-advantage/vs-original-medicare/)
- [Medicare Advantage guide](https://seniortransitionassistance.com/medicare-advantage/)
- [Plans in Kings County, NY](https://seniortransitionassistance.com/medicare-advantage/counties/ny/kings-county/)
- [Plans in Queens County, NY](https://seniortransitionassistance.com/medicare-advantage/counties/ny/queens-county/)
- [Plans in Suffolk County, NY](https://seniortransitionassistance.com/medicare-advantage/counties/ny/suffolk-county/)
- [Plans in Bronx County, NY](https://seniortransitionassistance.com/medicare-advantage/counties/ny/bronx-county/)
- [Plans in Nassau County, NY](https://seniortransitionassistance.com/medicare-advantage/counties/ny/nassau-county/)

Other New York counties with a page: [Kings County](https://seniortransitionassistance.com/medicare-advantage/counties/ny/kings-county/), [Queens County](https://seniortransitionassistance.com/medicare-advantage/counties/ny/queens-county/), [Suffolk County](https://seniortransitionassistance.com/medicare-advantage/counties/ny/suffolk-county/), [Bronx County](https://seniortransitionassistance.com/medicare-advantage/counties/ny/bronx-county/), and [Nassau County](https://seniortransitionassistance.com/medicare-advantage/counties/ny/nassau-county/).

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