Quick answer
CMS lists 30 Medicare Advantage plans from 11 insurers that people with Medicare can join in Queens County, New York for 2027. 16 have a $0 monthly premium and 27 include drug coverage. In-network out-of-pocket maximums run from $6,800 to $9,850 a year. 11 of the 27 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.
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2027 plan numbers for Queens County
Queens County at a glance
- Plans open to everyone
- 30
- With a $0 monthly premium
- 16
- With drug coverage
- 27
- In-network out-of-pocket maximum
- $6,800 to $9,850
- Insurers with plans
- 11
- Plans rated 4+ stars
- 11 of 27 rated
- Special needs plans (qualifying members only)
- 38
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.
Queens County ranks #12 among US counties by population (Census estimate for July 1, 2025: 2,358,182 people). By number of plans offered it ranks #13 of the 62 counties in New York that have plans, and #1053 of the 3,040 counties in the country that have plans.
Plans by type
| Plan type | Plans | What it generally means |
|---|---|---|
| HMO | 13 | Care usually has to come from the plan's network. |
| HMO with point-of-service (HMO-POS) | 5 | An HMO that covers some out-of-network care. |
| PPO | 12 | Out-of-network care is allowed, usually at a higher cost. |
Insurers with plans in Queens County
| Insurer | Plans in Queens County | Share of plans |
|---|---|---|
| Aetna Medicare | 6 | 20% |
| Healthfirst Medicare Plan | 4 | 13% |
| Anthem Blue Cross and Blue Shield HP | 3 | 10% |
| Devoted Health | 3 | 10% |
| EmblemHealth | 3 | 10% |
| UnitedHealthcare | 3 | 10% |
| Wellcare | 3 | 10% |
| Humana | 2 | 7% |
| MetroPlus Health Plan | 1 | 3% |
| VNS Health Medicare | 1 | 3% |
| VillageCareMAX | 1 | 3% |
How Queens 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 | Queens County | Average New York county |
|---|---|---|
| Plans open to everyone | 30 | 23.2 |
| Plans with a $0 premium | 53% | 56% |
| Insurers with plans | 11 | 6.9 |
| PPO and Regional PPO share of plans | 40% | 38% |
| Lowest out-of-pocket maximum | $6,800 | $5,304 |
| Highest out-of-pocket maximum | $9,850 | $9,850 |
| Rated plans with 4+ stars | 41% | 34% |
| Plans with drug coverage | 90% | 74% |
- 11 insurers sell plans in Queens County, above the New York county average of 6.9.
- With 30 plans on offer, Queens County sits 30% above the average New York county (23.2 plans).
- 90% of the plans here include Part D drug coverage, versus 74% in the average New York county.
- In Queens County, out-of-pocket maximums start at $6,800 (above the New York county average of $5,304).
What this means in Queens County
At 30 plans from 11 insurers, Queens County sits above the New York county average of 23.2, so expect to compare in detail rather than pick the first plan that fits. More insurers means more provider networks to check against your doctors. Most plans here bundle drug coverage; check each plan's formulary. 16 of 30 plans have a $0 premium and the rest charge one, so weigh premium against the out-of-pocket maximum, which is $6,800 to $9,850. A $0 premium does not remove copays or coinsurance, and your Part B premium is separate.
The list mixes 18 HMO-style and 12 PPO-style plans, so network rules differ from plan to plan; read each plan's provider rules. 11 of the 27 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 Queens County
- Doctors and hospitals. Ask each plan whether your doctors, your hospital and any specialists are in its network today. 18 of 30 plans here are HMO or HMO-POS and 12 are PPO-type, so the rules differ.
- Prescriptions. 27 of 30 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 $6,800 to $9,850 a year depending on the plan, a gap of $3,050. 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. 11 of the 27 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 Queens County, you can also check plan counts for your ZIP code 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
- Website
- aging.ny.gov/health-insurance-information-counseling-and-assistance
Program name, number and website as listed by the SHIP National Technical Assistance Center, 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.
Questions about Medicare Advantage in Queens County
How many Medicare Advantage plans are in Queens County for 2027?
CMS lists 30 general Medicare Advantage plans in Queens County, New York for 2027: 13 HMO, 5 HMO-POS, and 12 PPO. 27 of them include drug coverage. That count leaves out special needs plans (38 more, for people who qualify), cost plans and stand-alone drug plans.
Are there $0 premium Medicare Advantage plans in Queens County?
Yes. 16 of the 30 plans (53%) 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 Queens County?
11 insurers offer plans in Queens County, New York. The five with the most plans are Aetna Medicare (6), Healthfirst Medicare Plan (4), Anthem Blue Cross and Blue Shield HP (3), Devoted Health (3), EmblemHealth (3).
What is the most I could pay out of pocket in Queens County?
In-network out-of-pocket maximums for the 30 plans run from $6,800 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 Queens County have 4 or more stars?
11 of the 27 plans with a 2027 star rating are rated 4 stars or higher. 3 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 (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 (Summary Ratings table), October 8, 2026; U.S. Census Bureau Vintage 2025 county population estimates (July 1, 2025). Plans counted by Senior Transition Assistance.
A plan is one CMS contract and plan ID offered in Queens 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.
Other New York counties with a page: Kings County, New York County, Suffolk County, Bronx County, and Nassau County.