Medicare Advantage plans in Montgomery, NY, 2027
Montgomery, New York has 23 Medicare Advantage plans open to everyone for 2027 (31 in 2026) and 16 special needs plans, according to the CMS landscape files; 16 of the open plans have a $0 premium. 18 plans that served the county in 2026 end or leave it, with 3,920 members living here in September 2026.
What changes in Montgomery for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 31 | 23 | ▼down 8 |
| Special needs plans | 13 | 16 | ▲up 3 |
| Plans with a $0 premium | 17 | 16 | ▼down 1 |
| Plans that lower the Part B premium | 9 | 7 | ▼down 2 |
| Median out-of-pocket limit | $7,200 | $9,750 | ▲up $2,550 |
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 Montgomery join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Humana USAA Honor GivebackH5970-016 · PPO | $0 | $4,950 | $110 | 3 of 5 |
| Trinity Health Plan New York Glory No RXH9827-003 · HMO | $0 | $6,300 | $60 | not rated (too little data) |
| Medicare Blue Choice 033H3351-033 · HMO-POS | $0 | $6,500 | none | 4 of 5 |
| MVP Medicare Preferred Gold without Part DH3305-020 · HMO-POS | $0 | $7,200 | none | 4 of 5 |
| Trinity Health Plan New York No PremiumH9827-001 · HMO | $0 | $7,900 | none | not rated (too little data) |
| Trinity Health Plan New York Cash BackH9827-004 · HMO | $0 | $9,250 | $70 | not rated (too little data) |
| Devoted Choice 003 NYH5334-003 · PPO | $0 | $9,500 | none | not rated |
| Devoted Choice Giveback Extras 029 NYH5334-029 · PPO | $0 | $9,750 | $70 | not rated |
| Wellcare Simple OpenH2775-106 · PPO | $0 | $9,850 | none | 3 of 5 |
| Wellcare Giveback OpenH2775-111 · PPO | $0 | $9,850 | $37 | 3 of 5 |
| Wellcare Assist OpenH2775-113 · PPO | $0 | $9,850 | none | 3 of 5 |
| Devoted Choice Giveback 004 NYH5334-004 · PPO | $0 | $9,850 | $118 | not rated |
| Aetna Medicare Eagle GivebackH5521-323 · PPO | $0 | $9,850 | $100 | 4.5 of 5 |
| Wellcare Fidelis AssistH5599-002 · HMO-POS | $0 | $9,850 | none | 3 of 5 |
| Wellcare Fidelis SimpleH5599-004 · HMO-POS | $0 | $9,850 | none | 3 of 5 |
| Wellcare Fidelis Patriot SimpleH5599-010 · HMO-POS | $0 | $9,850 | none | 3 of 5 |
| HumanaChoiceH5970-029 · PPO | $65 | $9,250 | none | 3 of 5 |
| MVP Medicare WellValue with Part DH3305-038 · HMO-POS | $71 | $9,850 | none | 4 of 5 |
| Aetna Medicare SignatureH3312-108 · HMO | $109 | $9,850 | none | 3 of 5 |
| Senior Blue 652H3384-013 · HMO | $122 | $7,150 | none | 4 of 5 |
| Medicare Blue Choice 032H3351-032 · HMO-POS | $155.30 | $9,850 | none | 4 of 5 |
| MVP Medicare Secure Plus with Part DH3305-022 · HMO-POS | $165 | $6,000 | none | 4 of 5 |
| MVP Medicare Secure Plus Choice with Part DH9615-025 · PPO | $256 | $7,500 | none | 3.5 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 Montgomery 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 |
|---|---|---|
| CDPHP $0 Medicare RxH3388-014 | 1,635 | Leaves the county |
| CDPHP Choice RxH3388-002 | 577 | Leaves the county |
| MVP Medicare Complete Wellness with Part DH9615-024 | 444 | Not offered |
| HumanaChoice GivebackH5970-030 | 328 | Not offered |
| HumanaChoice SNP-DEH5970-020 | 308 | Not offered |
| CDPHP Clear RxH3388-020 | 185 | Leaves the county |
| Aetna Medicare EliteH5521-119 | 169 | Leaves the county |
| Aetna Medicare SignatureH3312-062 | 143 | Not offered |
| Wellcare Advantage SimpleH2816-038 | 30 | Not offered |
| Forever Blue 770H5526-018 | 24 | Not offered |
| Medicare BluePlusH3335-018 | 23 | Not offered |
| CDPHP CoreH3388-001 | 17 | Leaves the county |
| Aetna Medicare EnhancedH5521-669 | 14 | Leaves the county |
| Wellcare Premium EnhancedH2816-019 | 12 | Not offered |
| Aetna Medicare Partial DualH3312-089 | 11 | Not offered |
| Wellcare Premium UltraH2816-013 | fewer than 11 | Not offered |
| Wellcare Advantage EnhancedH2816-037 | fewer than 11 | Not offered |
| Medicare BlueSaluteH3335-044 | 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 Choice Giveback Extras 023 NYH5334-023 | Chronic or Disabling Condition | $0 |
| Wellcare Dual Access OpenH2775-112 | Dual-Eligible | $0 |
| Aetna Medicare Full DualH3312-070 | Dual-Eligible | $0 |
| Aetna Medicare Chronic Care TotalH3312-112 | Chronic or Disabling Condition | $0 |
| UHC Dual Complete NY-Q001H3387-015 | Dual-Eligible | $0 |
| UHC Dual Complete NY-S4H3387-017 | Dual-Eligible | $0 |
| Humana Gold Plus SNP-DEH3533-036 | Dual-Eligible | $0 |
| Devoted C-SNP Choice Plus 015 NYH5334-015 | Chronic or Disabling Condition | $0 |
| Devoted C-SNP Choice Enhanced 017 NYH5334-017 | Chronic or Disabling Condition | $0 |
| Wellcare Fidelis Dual Liberty SyncH5599-014 | Dual-Eligible | $0 |
| Wellcare Fidelis Dual AccessH5599-016 | Dual-Eligible | $0 |
| Aetna Medicare LongevityH5521-461 | Institutional | $10.70 |
| UHC Dual Complete NY-S001H2001-063 | Dual-Eligible | $19.40 |
| MVP DualAccess CompleteH3305-034 | Dual-Eligible | $22.20 |
| Hamaspik Medicare SelectH0034-001 | Dual-Eligible | $40.40 |
| Wellcare Fidelis Dual Align UnityH5599-003 | Dual-Eligible | $40.50 |
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 Montgomery use Medicare Advantage?
8,434 of the county's 13,412 people with Medicare were in a Medicare Advantage plan in September 2026, 62.9%; in New York as a whole the share is 53.6%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in New YorkEvery county of the state
- 9 stand-alone drug plans in New YorkIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027