Medicare Advantage plans in Niagara, NY, 2027
Niagara, New York has 36 Medicare Advantage plans open to everyone for 2027 (44 in 2026) and 21 special needs plans, according to the CMS landscape files; 19 of the open plans have a $0 premium. 12 plans that served the county in 2026 end or leave it, with 2,828 members living here in September 2026.
What changes in Niagara for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 44 | 36 | ▼down 8 |
| Special needs plans | 19 | 21 | ▲up 2 |
| Plans with a $0 premium | 24 | 19 | ▼down 5 |
| Plans that lower the Part B premium | 12 | 8 | ▼down 4 |
| Median out-of-pocket limit | $7,350 | $8,450 | ▲up $1,100 |
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 Niagara 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 |
| Univera Medicare FreedomH3351-001 · HMO-POS | $0 | $6,500 | $25 | 4 of 5 |
| Senior Blue 601H3384-022 · HMO | $0 | $6,700 | $7 | 4 of 5 |
| Freedom ValorH5526-023 · PPO | $0 | $6,700 | $50 | 4.5 of 5 |
| Independent Health's Encompass 65H3362-016 · HMO | $0 | $6,750 | $60 | 5 of 5 |
| Aetna Medicare SignatureH3312-065 · HMO-POS | $0 | $7,150 | none | 3 of 5 |
| AARP Medicare Advantage Patriot No Rx NY-MA3H3379-060 · HMO-POS | $0 | $7,150 | $125 | 3.5 of 5 |
| Community Blue Medicare HMO SignatureH3384-069 · HMO | $0 | $7,150 | none | 4 of 5 |
| MVP Medicare Preferred Gold without Part DH3305-007 · HMO-POS | $0 | $7,200 | none | 4 of 5 |
| AARP Medicare Advantage from UHC NY-0007H3379-040 · HMO-POS | $0 | $9,300 | none | 3.5 of 5 |
| 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 |
| Univera SeniorChoice BasicH3351-017 · HMO | $0 | $9,850 | none | 4 of 5 |
| Aetna Medicare SignatureH5521-215 · PPO | $0 | $9,850 | none | 4.5 of 5 |
| 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 |
| VNS Health EasyCareH5549-012 · HMO | $25 | $9,850 | none | 3.5 of 5 |
Show the other 16 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Aetna Medicare EliteH5521-738 · PPO | $35 | $9,850 | none | 4.5 of 5 |
| AARP Medicare Advantage from UHC NY-0019H3418-008 · PPO | $39 | $8,900 | none | 3.5 of 5 |
| Aetna Medicare EnhancedH5521-381 · PPO | $41 | $9,850 | none | 4.5 of 5 |
| Independent Health's Encompass 65 RED 042H3362-042 · HMO | $49 | $9,850 | none | 5 of 5 |
| HumanaChoiceH5970-029 · PPO | $65 | $9,250 | none | 3 of 5 |
| Community Blue Medicare HMO DistinctH3384-070 · HMO | $68 | $6,750 | none | 4 of 5 |
| Univera SeniorChoice AdvancedH3351-019 · HMO-POS | $75.40 | $7,500 | none | 4 of 5 |
| Independent Health's Medicare Passport ConnectH3344-013 · PPO | $81 | $9,850 | none | 4.5 of 5 |
| Univera SeniorChoice Value PlusH3351-012 · HMO-POS | $93.30 | $6,700 | none | 4 of 5 |
| Univera SeniorChoice SecureH3351-002 · HMO-POS | $104.70 | $6,000 | none | 4 of 5 |
| Independent Health's Encompass 65 RED 044H3362-044 · HMO | $110 | $8,000 | none | 5 of 5 |
| Community Blue Medicare HMO 651H3384-073 · HMO | $118 | $6,700 | none | 4 of 5 |
| MVP Medicare WellValue with Part DH3305-039 · HMO-POS | $217 | $9,850 | none | 4 of 5 |
| MVP Medicare Preferred Gold with Part DH3305-015 · HMO-POS | $277 | $6,800 | none | 4 of 5 |
| Independent Health's Encompass 65 RED 045H3362-045 · HMO | $286 | $7,000 | none | 5 of 5 |
| Community Blue Medicare HMO StandardH3384-072 · HMO | $368 | $7,150 | 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 Niagara 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 |
|---|---|---|
| Senior Blue 651H3384-019 | 791 | Not offered |
| Independent Health's Encompass 65 RED 043H3362-043 | 499 | Not offered |
| HumanaChoice SNP-DEH5970-020 | 359 | Not offered |
| HumanaChoice GivebackH5970-030 | 350 | Not offered |
| Forever Blue ValueH5526-016 | 306 | Not offered |
| Forever Blue 751H5526-004 | 240 | Not offered |
| Community Blue Medicare HMO MeritH3384-071 | 228 | Not offered |
| Univera SeniorChoice CoreH3335-060 | 29 | Not offered |
| Aetna Medicare Partial DualH3312-089 | 26 | Not offered |
| Wellcare Advantage EnhancedH2816-037 | fewer than 11 | Not offered |
| Wellcare Advantage SimpleH2816-038 | fewer than 11 | Not offered |
| MVP Medicare WellSelect with Part DH9615-021 | 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 |
|---|---|---|
| UHC Complete Care NY-30H3379-053 | Chronic or Disabling Condition | $0 |
| Wellcare Dual Access OpenH2775-112 | Dual-Eligible | $0 |
| Aetna Medicare Full DualH3312-070 | Dual-Eligible | $0 |
| Aetna Medicare Chronic CareH3312-105 | Chronic or Disabling Condition | $0 |
| Aetna Medicare Chronic Care TotalH3312-112 | Chronic or Disabling Condition | $0 |
| UHC Dual Complete NY-Q001H3387-015 | Dual-Eligible | $0 |
| Humana Gold Plus SNP-DEH3533-036 | Dual-Eligible | $0 |
| Wellcare Fidelis Dual Liberty SyncH5599-014 | Dual-Eligible | $0 |
| Wellcare Fidelis Dual AccessH5599-016 | Dual-Eligible | $0 |
| UHC Nursing Home Plan NY-F001H2292-001 | Institutional | $4.20 |
| Aetna Medicare LongevityH5521-461 | Institutional | $10.70 |
| UHC Dual Complete NY-S001H2001-063 | Dual-Eligible | $19.40 |
| VNS Health EasyCare PlusH5549-011 | Dual-Eligible | $23.60 |
| Nascentia Skilled Nursing FacilityH9066-002 | Institutional | $25.40 |
| Nascentia Dual AdvantageH9066-003 | Dual-Eligible | $27 |
| Nascentia Medicaid Advantage PlusH9066-001 | Dual-Eligible | $30.30 |
| UHC Dual Complete NY-S002H3387-014 | Dual-Eligible | $31.70 |
| Independent Health's Medicare Family ChoiceH3362-020 | Institutional | $40 |
| VNS Health TotalH5549-003 | Dual-Eligible | $40.50 |
| UHC Dual Complete NY-YLH3387-013 | Dual-Eligible | $40.50 |
| 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 Niagara use Medicare Advantage?
40,636 of the county's 55,405 people with Medicare were in a Medicare Advantage plan in September 2026, 73.3%; 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