Medicare Advantage plans in Westchester, NY, 2027
Westchester, New York has 30 Medicare Advantage plans open to everyone for 2027 (38 in 2026) and 35 special needs plans, according to the CMS landscape files; 12 of the open plans have a $0 premium. 14 plans that served the county in 2026 end or leave it, with 5,842 members living here in September 2026.
What changes in Westchester for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 38 | 30 | ▼down 8 |
| Special needs plans | 39 | 35 | ▼down 4 |
| Plans with a $0 premium | 18 | 12 | ▼down 6 |
| Plans that lower the Part B premium | 8 | 4 | ▼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 Westchester 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 |
| 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 |
| MVP Medicare Preferred Gold without Part DH3305-020 · HMO-POS | $0 | $7,200 | none | 4 of 5 |
| Aetna Medicare Signature CareH3312-074 · HMO | $0 | $9,850 | none | 3 of 5 |
| EmblemHealth VIP ValueH3330-050 · HMO | $0 | $9,850 | none | 4 of 5 |
| Healthfirst 65 Plus PlanH3359-001 · HMO | $0 | $9,850 | none | 4.5 of 5 |
| Aetna Medicare EliteH5521-120 · PPO | $0 | $9,850 | none | 4.5 of 5 |
| Aetna Medicare Eagle GivebackH5521-320 · PPO | $0 | $9,850 | $80 | 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 |
| 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 2H6988-010 · HMO-POS | $29 | $6,750 | none | 5 of 5 |
| AARP Medicare Advantage from UHC NY-34H3379-059 · HMO-POS | $39 | $8,900 | none | 3.5 of 5 |
| EmblemHealth VIP SaverH3330-052 · HMO | $40.40 | $9,850 | none | 4 of 5 |
| VillageCareMAX Medicare Select Advantage PlanH2168-004 · HMO | $40.50 | $9,850 | 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 |
Show the other 10 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Anthem Medicare AdvantageH8432-009 · HMO-POS | $59 | $8,000 | none | 3.5 of 5 |
| Aetna Medicare Elite ExtraH5521-699 · PPO | $59 | $9,850 | none | 4.5 of 5 |
| HumanaChoiceH5970-029 · PPO | $65 | $9,250 | none | 3 of 5 |
| Aetna Medicare EnhancedH3312-018 · HMO-POS | $69 | $9,850 | none | 3 of 5 |
| Healthfirst SignatureH1722-002 · HMO | $92 | $9,850 | none | 3 of 5 |
| Aetna Medicare EnhancedH5521-121 · PPO | $101 | $9,850 | none | 4.5 of 5 |
| Healthfirst SignatureH9678-002 · PPO | $155 | $9,850 | none | 3 of 5 |
| MVP Medicare Secure Plus with Part DH3305-022 · HMO-POS | $165 | $6,000 | none | 4 of 5 |
| EmblemHealth VIP GoldH3330-021 · HMO | $166 | $9,850 | none | 4 of 5 |
| EmblemHealth VIP Gold PlusH3330-038 · HMO | $216 | $9,850 | 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 Westchester 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 | 1,541 | Not offered |
| Wellcare Simple OpenH2775-106 | 945 | Leaves the county |
| Wellcare Giveback OpenH2775-111 | 778 | Leaves the county |
| Anthem Medicare Advantage 2H8432-016 | 715 | Not offered |
| HumanaChoice SNP-DEH5970-020 | 501 | Not offered |
| HealthSpring True ChoiceH7849-150 | 419 | Not offered |
| Elderplan FlexH3347-016 | 255 | Not offered |
| Wellcare Assist OpenH2775-113 | 241 | Leaves the county |
| Humana Gold Plus SNP-DEH3533-002 | 123 | Leaves the county |
| EmblemHealth VIP DualH5991-012 | 100 | Not offered |
| Aetna Medicare Partial Dual CareH3312-090 | 84 | Not offered |
| Anthem VeteranH8432-036 | 61 | Not offered |
| EmblemHealth VIP Dual EnhancedH5991-013 | 42 | Not offered |
| Elderplan Extra HelpH3347-009 | 37 | 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 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 |
| Wellcare Fidelis Dual Liberty SyncH5599-015 | Dual-Eligible | $0 |
| Wellcare Fidelis Dual AccessH5599-017 | Dual-Eligible | $0 |
| Senior Whole Health Medicare Complete CareH5992-010 | 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 |
| Senior Whole Health of New York NHCH5992-007 | Dual-Eligible | $21.40 |
| ElderServe StarH6776-001 | Institutional | $22 |
| MVP DualAccess CompleteH3305-034 | Dual-Eligible | $22.20 |
| VNS Health EasyCare PlusH5549-011 | Dual-Eligible | $23.60 |
| Hamaspik Medicare ChoiceH0034-002 | Dual-Eligible | $26.70 |
| UHC Complete Care NY-35H3379-061 | Chronic or Disabling Condition | $29 |
| Longevity Health PlanH8457-001 | Institutional | $29.70 |
| UHC Dual Complete NY-S002H3387-014 | Dual-Eligible | $31.70 |
Show the other 15 special needs plans
| Plan | Who can join | Premium |
|---|---|---|
| Elderplan Advantage For Nursing Home ResidentsH3347-003 | Institutional | $33.70 |
| Elderplan For Medicaid BeneficiariesH3347-002 | Dual-Eligible | $37.90 |
| Hamaspik Medicare SelectH0034-001 | Dual-Eligible | $40.40 |
| Elderplan Plus Long-Term CareH3347-007 | Dual-Eligible | $40.40 |
| VNS Health TotalH5549-003 | Dual-Eligible | $40.50 |
| VillageCareMAX Medicare Health Advantage PlanH2168-001 | Dual-Eligible | $40.50 |
| VillageCareMAX Medicare Total Advantage PlanH2168-002 | Dual-Eligible | $40.50 |
| Aetna Medicare Full Dual CareH3312-069 | Dual-Eligible | $40.50 |
| Healthfirst Life Improvement PlanH3359-021 | Dual-Eligible | $40.50 |
| Healthfirst CompleteCareH3359-034 | Dual-Eligible | $40.50 |
| UHC Dual Complete NY-YLH3387-013 | Dual-Eligible | $40.50 |
| Wellcare Fidelis Dual Align UnityH5599-003 | Dual-Eligible | $40.50 |
| ElderServe MAPH6776-002 | Dual-Eligible | $40.50 |
| Anthem HealthPlus Full Dual Advantage LTSS 2H6988-004 | Dual-Eligible | $40.50 |
| Anthem HealthPlus Full Dual AdvantageH8432-042 | 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 Westchester use Medicare Advantage?
78,128 of the county's 200,295 people with Medicare were in a Medicare Advantage plan in September 2026, 39.0%; 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