Medicare Advantage plans in Richmond, NY, 2027
Richmond, New York has 18 Medicare Advantage plans open to everyone for 2027 (25 in 2026) and 38 special needs plans, according to the CMS landscape files; 9 of the open plans have a $0 premium. 14 plans that served the county in 2026 end or leave it, with 3,263 members living here in September 2026.
What changes in Richmond for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 25 | 18 | ▼down 7 |
| Special needs plans | 38 | 38 | no change |
| Plans with a $0 premium | 12 | 9 | ▼down 3 |
| Plans that lower the Part B premium | 5 | 5 | no change |
| Median out-of-pocket limit | $9,250 | $9,850 | ▲up $600 |
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 Richmond join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Anthem Veteran 2H6988-008 · HMO-POS | $0 | $6,800 | $125 | 5 of 5 |
| AARP Medicare Advantage Patriot No Rx NY-MA3H3379-060 · HMO-POS | $0 | $7,150 | $125 | 3.5 of 5 |
| Devoted Choice 009 NYH5334-009 · PPO | $0 | $9,500 | none | not rated |
| Devoted Choice Giveback Extras 032 NYH5334-032 · PPO | $0 | $9,750 | $70 | not rated |
| MetroPlus Platinum PlanH0423-004 · HMO | $0 | $9,850 | none | 4 of 5 |
| Healthfirst 65 Plus PlanH3359-001 · HMO | $0 | $9,850 | none | 4.5 of 5 |
| Devoted Choice Giveback 010 NYH5334-010 · PPO | $0 | $9,850 | $118 | not rated |
| Aetna Medicare Eagle GivebackH5521-320 · PPO | $0 | $9,850 | $80 | 4.5 of 5 |
| Aetna Medicare EliteH5521-536 · PPO | $0 | $9,850 | none | 4.5 of 5 |
| Healthfirst Increased Benefits PlanH3359-019 · HMO | $17.10 | $9,850 | none | 4.5 of 5 |
| VNS Health EasyCareH5549-012 · HMO | $25 | $9,850 | none | 3.5 of 5 |
| Anthem Medicare Advantage 2H6988-009 · HMO-POS | $34 | $9,250 | none | 5 of 5 |
| VillageCareMAX Medicare Select Advantage PlanH2168-004 · HMO | $40.50 | $9,850 | none | 3.5 of 5 |
| Anthem Medicare AdvantageH8432-040 · HMO-POS | $44 | $9,250 | none | 3.5 of 5 |
| Healthfirst SignatureH5989-011 · HMO | $60 | $9,850 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC NY-0005H3379-001 · HMO-POS | $91 | $9,250 | none | 3.5 of 5 |
| Aetna Medicare EliteH3312-113 · HMO | $109 | $9,850 | none | 3 of 5 |
| Healthfirst SignatureH9678-002 · PPO | $155 | $9,850 | none | 3 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 Richmond 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 |
|---|---|---|
| Aetna Medicare EnhancedH3312-082 | 988 | Not offered |
| Wellcare Fidelis SimpleH5599-004 | 687 | Leaves the county |
| Wellcare SimpleH4868-019 | 511 | Leaves the county |
| EmblemHealth VIP Gold PlusH3330-038 | 192 | Leaves the county |
| Wellcare Fidelis AssistH5599-002 | 188 | Leaves the county |
| HealthSpring True ChoiceH7849-150 | 166 | Not offered |
| Aetna Medicare Partial Dual CareH3312-090 | 142 | Not offered |
| EmblemHealth VIP DualH5991-012 | 131 | Not offered |
| Wellcare AssistH4868-016 | 99 | Leaves the county |
| Elderplan FlexH3347-016 | 94 | Not offered |
| EmblemHealth VIP Dual EnhancedH5991-013 | 38 | Not offered |
| Anthem VeteranH8432-036 | 27 | Not offered |
| Elderplan Extra HelpH3347-009 | fewer than 11 | Not offered |
| Wellcare Fidelis Patriot SimpleH5599-010 | fewer than 11 | Leaves the county |
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 026 NYH5334-026 | Chronic or Disabling Condition | $0 |
| UHC Nursing Home Plan NY-F002H2292-002 | Institutional | $0 |
| Aetna Medicare Chronic CareH3312-091 | Chronic or Disabling Condition | $0 |
| Aetna Medicare Chronic Care TotalH3312-111 | Chronic or Disabling Condition | $0 |
| Elderplan SelectH3347-018 | Institutional | $0 |
| Healthfirst Connection PlanH3359-038 | Dual-Eligible | $0 |
| UHC Dual Complete NY-Q001H3387-015 | Dual-Eligible | $0 |
| Humana Gold Plus SNP-DEH3533-036 | Dual-Eligible | $0 |
| Devoted C-SNP Choice Plus 014 NYH5334-014 | Chronic or Disabling Condition | $0 |
| Devoted C-SNP Choice Enhanced 020 NYH5334-020 | Chronic or Disabling Condition | $0 |
| Wellcare Fidelis Dual Liberty SyncH5599-015 | Dual-Eligible | $0 |
| Senior Whole Health Medicare Complete CareH5992-010 | Dual-Eligible | $0 |
| Aetna Medicare LongevityH5521-461 | Institutional | $10.70 |
| UHC Dual Complete NY-S001H2001-063 | Dual-Eligible | $19.40 |
| Senior Whole Health of New York NHCH5992-007 | Dual-Eligible | $21.40 |
| ElderServe StarH6776-001 | Institutional | $22 |
| VNS Health EasyCare PlusH5549-011 | Dual-Eligible | $23.60 |
| Hamaspik Medicare ChoiceH0034-002 | Dual-Eligible | $26.70 |
| Longevity Health PlanH8457-001 | Institutional | $29.70 |
| UHC Dual Complete NY-S002H3387-014 | Dual-Eligible | $31.70 |
Show the other 18 special needs plans
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 Richmond use Medicare Advantage?
47,508 of the county's 100,385 people with Medicare were in a Medicare Advantage plan in September 2026, 47.3%; 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