Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026

Independent Health's Assure Advantage, 2027

H3362Contract040Plan

HMO C-SNP · special needs plan, chronic or disabling condition · 1 county in New York

Run by Independent Health Association, Inc. (contract H3362), sold as Independent Health, owned by Independent Health Association, Inc.

Renews for 2027

2026 star rating, contract H3362: 5 of 5

Independent Health's Assure Advantage (H3362-040) costs $15 a month in 2027, down $31.50 from 2026, with an in-network out-of-pocket limit of $8,500 ($6,750 in 2026).

What changes from 2026 to 2027?

The changed lines are marked and come first. In-network amounts; members keep paying the Part B premium unless the plan reduces it.
What you pay or get	2026	2027	Change
Monthly premium	$46.50	$15	down $31.50
In-network out-of-pocket limit	$6,750	$8,500	up $1,750
Drug deductible	$50	$250	up $200
Emergency room	$125 copay	$115 copay	down $10
Hospital stay, in network	$250 a day for days 1–6, then $0 a day for days 7–90	$400 a day for days 1–5, then $0 a day for days 6–90	up $750for a 5-day stay
Skilled nursing facility, in network	$0 a day for days 1–20, then $214 a day for days 21–100	$0 a day for days 1–20, then $221 a day for days 21–100	up $70for a 30-day stay
Ground ambulance, in network	$220 copay	20% of the cost	changed
Hearing aids, yearly limit for both ears	$200 a year	$250 a year	up $50
Drug tier 2, generic	$10	$8	down $2
Drug tier 3, preferred brand	$47	19% of the cost	changed
Drug tier 4, non-preferred drug	50% of the cost	37% of the cost	down 13 points
Drug tier 5, specialty tier	32% of the cost	30% of the cost	down 2 points
9 lines do not 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
Comprehensive dental, yearly limit	not offered	not offered	no change
Eyewear, yearly limit	$200 a year	$200 a year	no change
Over-the-counter items, yearly	not offered	not offered	no change
Counties served	1	1	no change
Drug tier 1, preferred generic	$0	$0	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?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked
Tier	What the tier holds	2026	2027
Tier 1	Preferred Generic	$0	$0
Tier 2	Generic	$10	$8
Tier 3	Preferred Brand	$47	19% of the cost
Tier 4	Non-Preferred Drug	50% of the cost	37% of the cost
Tier 5	Specialty Tier	32% of the cost	30% 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, 4 chronic or disabling condition special needs plans are sold for 2027, this one included. Against the others, 3 a higher one. On the premium, 3 plans have a lower premium.

Out-of-pocket limits of the 4 chronic or disabling condition special needs plans

$0 to under $2,0000 plans

$2,000 to under $4,0000 plans

$4,000 to under $6,0000 plans

$6,000 to under $8,0000 plans

$8,000 to $10,000 (this plan)4 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 1 county: $15 a month and $8,500.

New York

Erie

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: H3362-040
Legal name of the contract: Independent Health Association, Inc.
Sold as: Independent Health
Parent company: Independent Health Association, Inc.
Plan type: HMO C-SNP
2026 star rating of the contract: 5 of 5 overall; health plan 5 of 5, drug plan 5 of 5
Members, September 2026: 1,500
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.