Medicare Advantage plans in Schenectady, NY, 2027
Schenectady, New York has 31 Medicare Advantage plans open to everyone for 2027 (36 in 2026) and 26 special needs plans, according to the CMS landscape files; 18 of the open plans have a $0 premium. 12 plans that served the county in 2026 end or leave it, with 1,771 members living here in September 2026.
What changes in Schenectady for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 36 | 31 | ▼down 5 |
| Special needs plans | 24 | 26 | ▲up 2 |
| Plans with a $0 premium | 21 | 18 | ▼down 3 |
| Plans that lower the Part B premium | 9 | 8 | ▼down 1 |
| Median out-of-pocket limit | $7,350 | $9,500 | ▲up $2,150 |
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 Schenectady 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) |
| AARP Medicare Advantage Patriot No Rx NY-MA3H3379-060 · HMO-POS | $0 | $7,150 | $125 | 3.5 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 |
| CDPHP $0 Medicare RxH3388-014 · HMO | $0 | $9,850 | none | 4.5 of 5 |
| Devoted Choice Giveback 004 NYH5334-004 · PPO | $0 | $9,850 | $118 | not rated |
| Aetna Medicare EliteH5521-119 · 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 |
| CDPHP CoreH3388-001 · HMO | $15 | $6,400 | none | 4.5 of 5 |
| VNS Health EasyCareH5549-012 · HMO | $25 | $9,850 | none | 3.5 of 5 |
Show the other 11 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| AARP Medicare Advantage from UHC NY-29H3379-052 · HMO-POS | $39 | $7,150 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC NY-0015H3418-004 · PPO | $44 | $8,900 | none | 3.5 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 |
| CDPHP Clear RxH3388-020 · HMO | $100 | $6,750 | none | 4.5 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 |
| CDPHP Choice RxH3388-002 · HMO | $139 | $6,400 | none | 4.5 of 5 |
| Aetna Medicare EnhancedH5521-669 · PPO | $149 | $9,850 | none | 4.5 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 Schenectady 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 |
|---|---|---|
| MVP Medicare Complete Wellness with Part DH9615-024 | 1,065 | Not offered |
| HumanaChoice SNP-DEH5970-020 | 275 | Not offered |
| Aetna Medicare SignatureH3312-062 | 142 | Not offered |
| HumanaChoice GivebackH5970-030 | 117 | Not offered |
| EmblemHealth VIP ValueH3330-048 | 85 | Not offered |
| Forever Blue 770H5526-018 | 69 | Not offered |
| Aetna Medicare Partial DualH3312-089 | 18 | Not offered |
| Wellcare Premium UltraH2816-013 | fewer than 11 | Not offered |
| Wellcare Premium EnhancedH2816-019 | fewer than 11 | Not offered |
| Wellcare Advantage EnhancedH2816-037 | fewer than 11 | Not offered |
| Wellcare Advantage SimpleH2816-038 | fewer than 11 | Not offered |
| EmblemHealth VIP DualH5991-012 | 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-33H3379-056 | Chronic or Disabling Condition | $0 |
| 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 |
| 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 |
| UHC Nursing Home Plan NY-F001H2292-001 | Institutional | $4.20 |
| Aetna Medicare LongevityH5521-461 | Institutional | $10.70 |
| MVP DualAccessH3305-033 | Dual-Eligible | $13.10 |
| UHC Dual Complete NY-S001H2001-063 | Dual-Eligible | $19.40 |
| MVP DualAccess CompleteH3305-034 | Dual-Eligible | $22.20 |
| 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 |
Show the other 6 special needs plans
| Plan | Who can join | Premium |
|---|---|---|
| UHC Dual Complete NY-S002H3387-014 | Dual-Eligible | $31.70 |
| Hamaspik Medicare SelectH0034-001 | Dual-Eligible | $40.40 |
| 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 |
| Anthem HealthPlus Full Dual AdvantageH8432-043 | 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 Schenectady use Medicare Advantage?
22,989 of the county's 35,022 people with Medicare were in a Medicare Advantage plan in September 2026, 65.6%; 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