Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026
Independent Health's Medicare Family Choice, 2027
H3362Contract020Plan
HMO I-SNP · special needs plan, institutional · 8 counties in New York
Run by Independent Health Association, Inc. (contract H3362), sold as Independent Health, owned by Independent Health Association, Inc.
Independent Health's Medicare Family Choice (H3362-020) costs $40 a month in 2027, down $18.80 from 2026, with an in-network out-of-pocket limit of $5,000 ($3,000 in 2026).
What changes from 2026 to 2027?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| Monthly premium | $58.80 | $40 | ▼down $18.80 |
| In-network out-of-pocket limit | $3,000 | $5,000 | ▲up $2,000 |
| Emergency room | $50 copay | $60 copay | ▲up $10 |
| Hospital stay, in network | $200 a stay | $400 a day for days 1–3, then $0 a day for days 4–90 | ▲up $1,000for a 5-day stay |
| Over-the-counter items, yearly | $480 a year | $400 a year | ▼down $80 |
| Drug tier 4, non-preferred drug | 40% of the cost | 34% of the cost | ▼down 6 points |
| 15 lines do not change | |||
| Drug deductible | $0 | $0 | no change |
| Part B premium reduction, monthly | none | none | no change |
| Primary care visit | $0 copay | $0 copay | no change |
| Specialist visit | $0 copay | $0 copay | no change |
| Medical deductible, in network | none | none | no change |
| Skilled nursing facility, in network | $0 a stay | $0 a stay | no change |
| Ground ambulance, in network | $30 copay | $30 copay | no change |
| Comprehensive dental, yearly limit | not offered | not offered | no change |
| Eyewear, yearly limit | $150 a year | $150 a year | no change |
| Hearing aids, yearly limit for both ears | $1,000 a year | $1,000 a year | no change |
| Counties served | 8 | 8 | no change |
| Drug tier 1, preferred generic | $2 | $2 | no change |
| Drug tier 2, generic | $10 | $10 | no change |
| Drug tier 3, preferred brand | $37 | $37 | no change |
| Drug tier 5, specialty tier | 33% of the cost | 33% of the cost | no change |
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; CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026). Plan details can change during the year; confirm on Medicare Plan Finder.
What will prescriptions cost?
| Tier | What the tier holds | 2026 | 2027 |
|---|---|---|---|
| Tier 1 | Preferred Generic | $2 | $2 |
| Tier 2 | Generic | $10 | $10 |
| Tier 3 | Preferred Brand | $37 | $37 |
| Tier 4 | Non-Preferred Drug | 40% of the cost | 34% of the cost |
| Tier 5 | Specialty Tier | 33% of the cost | 33% of the cost |
Source: CMS plan benefit package files, 2027 and 2026. Insulin is capped at $35 a month by law. A drug's tier is set by the plan's formulary.
How does it compare with plans sold where it is?
In the counties it serves, 6 institutional special needs plans are sold for 2027, this one included. Against the others, 5 a higher one. On the premium, 5 plans have a lower premium.
Out-of-pocket limits of the 6 institutional 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).
Where is it sold, and what does it cost there?
The premium and the out-of-pocket limit are the same in all 8 counties: $40 a month and $5,000.
New York
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Who runs this plan?
- Plan ID
- H3362-020
- Legal name of the contract
- Independent Health Association, Inc.
- Sold as
- Independent Health
- Parent company
- Independent Health Association, Inc.
- Plan type
- HMO I-SNP
- 2026 star rating of the contract
- 5 of 5 overall; health plan 5 of 5, drug plan 5 of 5
- Members, September 2026
- 1,005
- Plan website, as filed with CMS
- www.independenthealth.com/medicare
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS 2026 Star Ratings (October 2025); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11). CMS publishes the 2027 Star Ratings in October 2026.
What else should you check?
- Other 2027 plans in Erie, NYWhere most of its members live; premiums and limits side by side
- Every Independent Health plan for 2027Its contracts, counties and plans that end
- The other 5 plans of contract H3362Same company, same contract
- Is your prescription covered?Coverage share and tier for 2,259 drugs
Data, not advice. These are the plan's filed amounts, not a quote for you; confirm on Medicare Plan Finder or call the plan before you enroll.