Medicare Advantage plans in Ulster, NY, 2027
Ulster, New York has 16 Medicare Advantage plans open to everyone for 2027 (22 in 2026) and 18 special needs plans, according to the CMS landscape files; 10 of the open plans have a $0 premium. 9 plans that served the county in 2026 end or leave it, with 3,353 members living here in September 2026.
What changes in Ulster for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 22 | 16 | ▼down 6 |
| Special needs plans | 20 | 18 | ▼down 2 |
| Plans with a $0 premium | 13 | 10 | ▼down 3 |
| Plans that lower the Part B premium | 6 | 4 | ▼down 2 |
| 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 Ulster 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 |
| 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 |
| 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 |
| 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-34H3379-059 · HMO-POS | $39 | $8,900 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC NY-0013H3418-002 · PPO | $49 | $9,500 | none | 3.5 of 5 |
| MVP Medicare Complete Wellness with Part DH9615-023 · PPO | $54 | $9,850 | none | 3.5 of 5 |
| HumanaChoiceH5970-029 · PPO | $65 | $9,250 | none | 3 of 5 |
| Aetna Medicare SignatureH3312-108 · HMO | $109 | $9,850 | none | 3 of 5 |
| MVP Medicare Secure Plus with Part DH3305-022 · HMO-POS | $165 | $6,000 | 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 Ulster 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 EliteH5521-119 | 1,765 | Leaves the county |
| Aetna Medicare SignatureH3312-062 | 738 | Not offered |
| HumanaChoice GivebackH5970-030 | 435 | Not offered |
| HumanaChoice SNP-DEH5970-020 | 234 | Not offered |
| Aetna Medicare EnhancedH5521-669 | 149 | Leaves the county |
| Aetna Medicare Partial DualH3312-089 | 32 | Not offered |
| EmblemHealth VIP Gold PlusH3330-038 | fewer than 11 | Leaves the county |
| Elderplan Plus Long-Term CareH3347-007 | fewer than 11 | Leaves the county |
| 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 Nursing Home Plan NY-F002H2292-002 | Institutional | $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 |
| Wellcare Fidelis Dual Liberty SyncH5599-014 | Dual-Eligible | $0 |
| Wellcare Fidelis Dual AccessH5599-016 | Dual-Eligible | $0 |
| 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 |
| Hamaspik Medicare ChoiceH0034-002 | Dual-Eligible | $26.70 |
| UHC Complete Care NY-35H3379-061 | Chronic or Disabling Condition | $29 |
| UHC Dual Complete NY-S002H3387-014 | Dual-Eligible | $31.70 |
| Hamaspik Medicare SelectH0034-001 | Dual-Eligible | $40.40 |
| 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 Ulster use Medicare Advantage?
19,174 of the county's 46,064 people with Medicare were in a Medicare Advantage plan in September 2026, 41.6%; 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