Medicare Advantage plans in St. Lawrence, NY, 2027
St. Lawrence, New York has 15 Medicare Advantage plans open to everyone for 2027 (25 in 2026) and 11 special needs plans, according to the CMS landscape files; 9 of the open plans have a $0 premium. 17 plans that served the county in 2026 end or leave it, with 4,017 members living here in September 2026.
What changes in St. Lawrence for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 25 | 15 | ▼down 10 |
| Special needs plans | 11 | 11 | no change |
| Plans with a $0 premium | 15 | 9 | ▼down 6 |
| Plans that lower the Part B premium | 6 | 2 | ▼down 4 |
| 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 St. Lawrence 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 |
| Medicare Blue Choice 031H3351-031 · 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 |
| Aetna Medicare SignatureH3312-048 · HMO | $0 | $9,850 | none | 3 of 5 |
| Aetna Medicare SignatureH5521-077 · 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 |
| Medicare Blue Choice 028H3351-028 · HMO | $14 | $9,850 | none | 4 of 5 |
| Aetna Medicare EliteH5521-740 · PPO | $54 | $9,850 | none | 4.5 of 5 |
| Aetna Medicare PremierH5521-340 · PPO | $60 | $9,250 | none | 4.5 of 5 |
| HumanaChoiceH5970-029 · PPO | $65 | $9,250 | none | 3 of 5 |
| Medicare Blue Choice 029H3351-029 · HMO-POS | $85.30 | $8,500 | none | 4 of 5 |
| Medicare Blue Choice 030H3351-030 · HMO-POS | $125.30 | $7,500 | 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 St. Lawrence 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 |
|---|---|---|
| Medicare BlueVitalH3335-061 | 1,343 | Not offered |
| HumanaChoice GivebackH5970-030 | 708 | Not offered |
| Wellcare Simple OpenH2775-106 | 637 | Leaves the county |
| Medicare BlueEnhancedH3335-015 | 325 | Not offered |
| Wellcare Giveback OpenH2775-111 | 308 | Leaves the county |
| Medicare BlueBalancedH3335-062 | 246 | Not offered |
| Wellcare Assist OpenH2775-113 | 168 | Leaves the county |
| CDPHP $0 Medicare RxH3388-014 | 138 | Leaves the county |
| Aetna Medicare Partial DualH3312-089 | 66 | Not offered |
| CDPHP Choice RxH3388-002 | 35 | Leaves the county |
| Wellcare Advantage SimpleH2816-038 | 26 | Not offered |
| Medicare BlueSaluteH3335-043 | 17 | Not offered |
| UHC Nursing Home Plan NY-F001H2292-001 | fewer than 11 | Leaves the county |
| Wellcare Advantage EnhancedH2816-037 | fewer than 11 | Not offered |
| CDPHP CoreH3388-001 | fewer than 11 | Leaves the county |
| CDPHP Clear RxH3388-020 | fewer than 11 | Leaves the county |
| MVP Medicare Complete Wellness with Part DH9615-022 | 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 |
|---|---|---|
| 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 |
| 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 |
| UHC Dual Complete NY-S002H3387-014 | Dual-Eligible | $31.70 |
| 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 St. Lawrence use Medicare Advantage?
12,339 of the county's 25,710 people with Medicare were in a Medicare Advantage plan in September 2026, 48.0%; 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