Medicare Advantage plans in Los Alamos, NM, 2027
Los Alamos, New Mexico has 13 Medicare Advantage plans open to everyone for 2027 (18 in 2026) and 13 special needs plans, according to the CMS landscape files; 11 of the open plans have a $0 premium. 9 plans that served the county in 2026 end or leave it, with 122 members living here in September 2026.
What changes in Los Alamos for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 18 | 13 | ▼down 5 |
| Special needs plans | 13 | 13 | no change |
| Plans with a $0 premium | 14 | 11 | ▼down 3 |
| Plans that lower the Part B premium | 7 | 6 | ▼down 1 |
| Median out-of-pocket limit | $5,500 | $5,900 | ▲up $400 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026.
Which plans can anyone in Los Alamos join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Devoted Core 001 NMH9977-001 · HMO | $0 | $4,100 | none | not rated (too new) |
| Devoted Giveback Extras 015 NMH9977-015 · HMO | $0 | $5,850 | $75 | not rated (too new) |
| AARP Medicare Advantage Essentials from UHC NM-5H2406-090 · PPO | $0 | $5,900 | none | 4 of 5 |
| AARP Medicare Advantage Direct OTC from UHC NM-16H2406-144 · PPO | $0 | $5,900 | none | 4 of 5 |
| AARP Medicare Advantage Direct Plus from UHC NM-17H2406-145 · PPO | $0 | $5,900 | none | 4 of 5 |
| Humana USAA Honor GivebackH5216-436 · PPO | $0 | $6,200 | $135 | 3.5 of 5 |
| AARP Medicare Advantage Patriot No Rx NM-MA01H2406-080 · PPO | $0 | $7,150 | $65 | 4 of 5 |
| AARP Medicare Advantage Giveback from UHC NM-8H2406-097 · PPO | $0 | $7,150 | $61 | 4 of 5 |
| AARP Medicare Advantage Extras from UHC NM-13H2406-141 · PPO | $0 | $7,150 | none | 4 of 5 |
| Humana Essentials Plus GivebackH5216-435 · PPO | $0 | $7,850 | $97 | 3.5 of 5 |
| Devoted Giveback 002 NMH9977-002 · HMO | $0 | $8,000 | $184.70 | not rated (too new) |
| HumanaChoiceH5216-223 · PPO | $20 | $4,900 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC NM-0002H2406-055 · PPO | $43 | $5,900 | none | 4 of 5 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026. Stars are the contract's 2026 rating. confirm on Medicare Plan Finder.
Which plans leave Los Alamos in 2027?
Members of these plans here choose a 2027 plan during open enrollment, October 15 to December 7, 2026; choosing by December 31 means no gap; because their plan is leaving the county, they can still join until the end of February 2027, with coverage from the first of the next month. Each plan's page says what happens to its members.
| 2026 plan | Members here, Sept. 2026 | For 2027 |
|---|---|---|
| Blue Cross Medicare Advantage SelectH3251-002 | 52 | Not offered |
| Blue Cross Medicare Advantage Choice PremierH1666-012 | 31 | Not offered |
| Blue Cross Medicare Advantage Dental PremierH1666-016 | 25 | Not offered |
| CHRISTUS Health Medicare PlusH1189-002 | 14 | Not offered |
| CHRISTUS Health Medicare GuardianH1189-007 | fewer than 11 | Not offered |
| Blue Cross Medicare Advantage Health ChoiceH1666-014 | fewer than 11 | Not offered |
| Blue Cross Medicare Advantage AccessH1666-021 | fewer than 11 | Not offered |
| Humana Together in HealthH5216-444 | fewer than 11 | Not offered |
| Blue Cross MA Dual Care Plus PreferredH8634-009 | fewer than 11 | Not offered |
Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Which special needs plans are sold here?
Open only to people with Medicaid as well as Medicare, with certain chronic conditions, or living in an institution.
| Plan | Who can join | Premium |
|---|---|---|
| Devoted C-SNP Enhanced 003 NMH9977-003 | Chronic or Disabling Condition | $0 |
| UHC Dual Advantage NM-V1H0294-051 | Dual-Eligible | $0 |
| UHC Complete Care NM-11H2001-070 | Chronic or Disabling Condition | $0 |
| Blue Cross Medicare Advantage Dual CareH3822-018 | Dual-Eligible | $0 |
| Devoted C-SNP Giveback Extras 012 NMH9977-012 | Chronic or Disabling Condition | $0 |
| UHC Dual Complete NM-Q1H0294-050 | Dual-Eligible | $0 |
| UHC Dual Complete NM-S2H0294-052 | Dual-Eligible | $0 |
| UHC Complete Care Support NM-1AH2001-042 | Chronic or Disabling Condition | $0 |
| Presbyterian Dual PlusH3204-013 | Dual-Eligible | $0 |
| Blue Cross Medicare Advantage Dual Care PlusH3822-017 | Dual-Eligible | $0 |
| HumanaChoice: Diabetes and HeartH5216-443 | Chronic or Disabling Condition | $0 |
| Devoted C-SNP Plus 004 NMH9977-004 | Chronic or Disabling Condition | $0 |
| Molina Medicare Complete CareH7318-001 | Dual-Eligible | $6.30 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
How many people in Los Alamos use Medicare Advantage?
556 of the county's 3,833 people with Medicare were in a Medicare Advantage plan in September 2026, 14.5%; in New Mexico as a whole the share is 50.7%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in New MexicoEvery county of the state
- 10 stand-alone drug plans in New MexicoIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027