Medicare Advantage plans in Orleans, NY, 2027
Orleans, New York has 29 Medicare Advantage plans open to everyone for 2027 (35 in 2026) and 15 special needs plans, according to the CMS landscape files; 14 of the open plans have a $0 premium. 12 plans that served the county in 2026 end or leave it, with 406 members living here in September 2026.
What changes in Orleans for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 35 | 29 | ▼down 6 |
| Special needs plans | 17 | 15 | ▼down 2 |
| Plans with a $0 premium | 16 | 14 | ▼down 2 |
| Plans that lower the Part B premium | 11 | 7 | ▼down 4 |
| Median out-of-pocket limit | $7,500 | $7,200 | ▼down $300 |
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 Orleans 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 |
| 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 |
| Univera SeniorChoice BasicH3351-017 · HMO | $0 | $9,850 | none | 4 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 |
| AARP Medicare Advantage from UHC NY-0019H3418-008 · PPO | $39 | $8,900 | none | 3.5 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 |
| Univera SeniorChoice AdvancedH3351-019 · HMO-POS | $75.40 | $7,500 | none | 4 of 5 |
| Community Blue Medicare HMO DistinctH3384-070 · HMO | $80 | $6,750 | none | 4 of 5 |
| Independent Health's Medicare Passport ConnectH3344-013 · PPO | $81 | $9,850 | none | 4.5 of 5 |
Show the other 9 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| 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 |
| Aetna Medicare EliteH5521-521 · PPO | $109 | $9,850 | none | 4.5 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 Orleans 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 |
|---|---|---|
| HumanaChoice GivebackH5970-030 | 110 | Not offered |
| HumanaChoice SNP-DEH5970-020 | 87 | Not offered |
| Senior Blue 651H3384-019 | 50 | Not offered |
| MVP Medicare WellSelect with Part DH9615-021 | 38 | Not offered |
| Community Blue Medicare HMO MeritH3384-071 | 27 | Not offered |
| Aetna Medicare Full DualH3312-087 | 26 | Not offered |
| Independent Health's Encompass 65 RED 043H3362-043 | 23 | Not offered |
| Forever Blue ValueH5526-016 | 23 | Not offered |
| Forever Blue 751H5526-004 | 22 | Not offered |
| Univera SeniorChoice CoreH3335-060 | fewer than 11 | Not offered |
| Aetna Medicare EnhancedH5521-522 | fewer than 11 | Not offered |
| iCircle Dual AdvantageH7813-001 | not reported | 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 |
| Elderplan SelectH3347-018 | Institutional | $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 |
| Aetna Medicare LongevityH5521-461 | Institutional | $10.70 |
| Univera Medicare Total CareH7524-002 | Dual-Eligible | $18.30 |
| UHC Dual Complete NY-S001H2001-063 | Dual-Eligible | $19.40 |
| Univera Medicare DualH7524-001 | Dual-Eligible | $26.60 |
| UHC Dual Complete NY-S002H3387-014 | Dual-Eligible | $31.70 |
| Elderplan Advantage For Nursing Home ResidentsH3347-003 | Institutional | $33.70 |
| Independent Health's Medicare Family ChoiceH3362-020 | Institutional | $40 |
| 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 Orleans use Medicare Advantage?
7,312 of the county's 10,179 people with Medicare were in a Medicare Advantage plan in September 2026, 71.8%; 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