2027 plan year · New Mexico
2027 Medicare Advantage plans in Los Alamos County, NM
26 plans from 6 insurers for 2027. 11 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $4,100.
- 13general plans
- 11$0-premium plans
- $4,100lowest out-of-pocket max
- 4 ★top star rating
- 13Special Needs Plans
2027 Medicare Advantage plans in Los Alamos County, NM
Sorted by Medicare star rating, then monthly premium and out-of-pocket limit. Premiums shown are the plan's own premium; you also keep paying your Part B premium.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| AARP Medicare Advantage Direct OTC from UHC NM-16 (PPO) UnitedHealthcare · PPO · includes drug coverage | $0 | $5,900 | $595 | ★★★★★4 |
| AARP Medicare Advantage Direct Plus from UHC NM-17 (PPO) UnitedHealthcare · PPO · includes drug coverage | $0 | $5,900 | $595 | ★★★★★4 |
| AARP Medicare Advantage Essentials from UHC NM-5 (PPO) UnitedHealthcare · PPO · includes drug coverage | $0 | $5,900 | $595 | ★★★★★4 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $6,200 | — | ★★★★★4 |
| AARP Medicare Advantage Extras from UHC NM-13 (PPO) UnitedHealthcare · PPO · includes drug coverage | $0 | $7,150 | $685 | ★★★★★4 |
| AARP Medicare Advantage Giveback from UHC NM-8 (PPO) UnitedHealthcare · PPO · includes drug coverage | $0 | $7,150 | $220 | ★★★★★4 |
| AARP Medicare Advantage Patriot No Rx NM-MA01 (PPO) UnitedHealthcare · PPO · no drug coverage | $0 | $7,150 | — | ★★★★★4 |
| Humana Essentials Plus Giveback (PPO) Humana · PPO · includes drug coverage | $0 | $7,850 | $450 | ★★★★★4 |
| HumanaChoice H5216-223 (PPO) Humana · PPO · includes drug coverage | $20 | $4,900 | $300 | ★★★★★4 |
| AARP Medicare Advantage from UHC NM-0002 (PPO) UnitedHealthcare · PPO · includes drug coverage | $43 | $5,900 | $595 | ★★★★★4 |
| DEVOTED CORE 001 NM (HMO) Devoted Health · HMO · includes drug coverage | $0 | $4,100 | $650 | Plan too new to be measured |
| DEVOTED GIVEBACK EXTRAS 015 NM (HMO) Devoted Health · HMO · includes drug coverage | $0 | $5,850 | $700 | Plan too new to be measured |
| DEVOTED GIVEBACK 002 NM (HMO) Devoted Health · HMO · includes drug coverage | $0 | $8,000 | $461 | Plan too new to be measured |
Special Needs Plans (SNPs)
Only for people who qualify: Dual-Eligible plans need both Medicare and Medicaid, Chronic Condition plans need a qualifying condition, and Institutional plans are for nursing home residents.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| UHC Complete Care NM-11 (PPO C-SNP) UnitedHealthcare · PPO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $4,900 | $585 | ★★★★★4.5 |
| UHC Complete Care Support NM-1A (PPO C-SNP) UnitedHealthcare · PPO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $100 | ★★★★★4.5 |
| HumanaChoice - Diabetes and Heart (PPO C-SNP) Humana · PPO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| UHC Dual Advantage NM-V1 (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $4,900 | $480 | ★★★★★3 |
| Blue Cross Medicare Advantage Dual Care (HMO-POS D-SNP) Blue Cross and Blue Shield of IL, NM · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $5,000 | $200 | ★★★★★3 |
| Blue Cross Medicare Advantage Dual Care Plus (HMO-POS D-SNP) Blue Cross and Blue Shield of IL, NM · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $200 | ★★★★★3 |
| Presbyterian Dual Plus (HMO D-SNP) Presbyterian Health Plan · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| UHC Dual Complete NM-Q1 (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $75 | ★★★★★3 |
| UHC Dual Complete NM-S2 (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $75 | ★★★★★3 |
| DEVOTED C-SNP ENHANCED 003 NM (HMO C-SNP) Devoted Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $4,600 | $461 | Plan too new to be measured |
| DEVOTED C-SNP GIVEBACK EXTRAS 012 NM (HMO C-SNP) Devoted Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $5,850 | $700 | Plan too new to be measured |
| DEVOTED C-SNP PLUS 004 NM (HMO C-SNP) Devoted Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $461 | Plan too new to be measured |
| Molina Medicare Complete Care (HMO D-SNP) Molina Healthcare of New Mexico · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $6.30 | $9,850 | $700 | Plan too new to be measured |
What changed from 2026 to 2027
- 9 plans are new here for 2027.
- 14 plans offered here in 2026 aren't listed for 2027 (for example UHC Dual Complete NM-Y1 (PPO D-SNP), CHRISTUS Health Medicare Plus (HMO), CHRISTUS Health Medicare Guardian (HMO)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 17 plans offered both years, 2 raised the monthly premium and 0 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in Los Alamos County
Medicare Advantage plans use networks. Before choosing, check that the hospitals and nursing homes you'd want are in the plan's network, and how they're rated.
Other coverage options
- Stand-alone Part D drug plans in New Mexico (for people with Original Medicare)
- Medicare Advantage vs. Original Medicare
Frequently asked questions
How many Medicare Advantage plans are available in Los Alamos County, NM for 2027?
26 plans from 6 insurers: 13 general plans open to anyone with Medicare Parts A and B who lives here, plus 13 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Los Alamos County, NM?
Yes. 11 general plans have a $0 monthly plan premium for 2027. You still pay your Medicare Part B premium, and copays and coinsurance still apply.
What is the highest-rated Medicare Advantage plan in Los Alamos County, NM?
AARP Medicare Advantage Direct OTC from UHC NM-16 (PPO) from UnitedHealthcare has the top Medicare star rating here (4 stars). Star ratings are given to the insurer's contract, so several plans can share one.
Which plan has the lowest out-of-pocket maximum in Los Alamos County, NM?
DEVOTED CORE 001 NM (HMO) caps in-network out-of-pocket costs at $4,100 for 2027.