2027 plan year · New York
2027 Medicare Advantage plans in Saratoga County, NY
52 plans from 11 insurers for 2027. 15 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $4,950.
- 28general plans
- 15$0-premium plans
- $4,950lowest out-of-pocket max
- 4 ★top star rating
- 24Special Needs Plans
2027 Medicare Advantage plans in Saratoga County, NY
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 |
|---|---|---|---|---|
| Aetna Medicare Eagle Giveback (PPO) Aetna Medicare · PPO · no drug coverage | $0 | $9,850 | — | ★★★★★4 |
| Aetna Medicare Elite (PPO) Aetna Medicare · PPO · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| VNS Health EasyCare (HMO) VNS Health Medicare · HMO · includes drug coverage | $25 | $9,850 | $650 | ★★★★★4 |
| Senior Blue 652 (HMO) Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO · includes drug coverage | $122 | $7,150 | $700 | ★★★★★4 |
| Aetna Medicare Enhanced (PPO) Aetna Medicare · PPO · includes drug coverage | $149 | $9,850 | $700 | ★★★★★4 |
| AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) UnitedHealthcare · HMO-POS · no drug coverage | $0 | $7,150 | — | ★★★★★3.5 |
| MVP Medicare Preferred Gold without Part D (HMO-POS) MVP HEALTH CARE · HMO-POS · no drug coverage | $0 | $7,200 | — | ★★★★★3.5 |
| CDPHP $0 Medicare Rx (HMO) CDPHP Medicare Advantage · HMO · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3.5 |
| CDPHP Core (HMO) CDPHP Medicare Advantage · HMO · no drug coverage | $15 | $6,400 | — | ★★★★★3.5 |
| AARP Medicare Advantage from UHC NY-29 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $39 | $7,150 | $685 | ★★★★★3.5 |
| MVP Medicare WellValue with Part D (HMO-POS) MVP HEALTH CARE · HMO-POS · includes drug coverage | $71 | $9,850 | $700 | ★★★★★3.5 |
| CDPHP Clear Rx (HMO) CDPHP Medicare Advantage · HMO · includes drug coverage | $100 | $6,750 | $500 | ★★★★★3.5 |
| CDPHP Choice Rx (HMO) CDPHP Medicare Advantage · HMO · includes drug coverage | $139 | $6,400 | $250 | ★★★★★3.5 |
| MVP Medicare Secure Plus with Part D (HMO-POS) MVP HEALTH CARE · HMO-POS · includes drug coverage | $165 | $6,000 | $500 | ★★★★★3.5 |
| MVP Medicare Secure Plus Choice with Part D (PPO) MVP HEALTH CARE · PPO · includes drug coverage | $256 | $7,500 | $500 | ★★★★★3.5 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $4,950 | — | ★★★★★3 |
| Wellcare Assist Open (PPO) Wellcare · PPO · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Wellcare Fidelis Assist (HMO-POS) Wellcare · HMO-POS · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Wellcare Fidelis Patriot Simple (HMO-POS) Wellcare · HMO-POS · no drug coverage | $0 | $9,850 | — | ★★★★★3 |
| Wellcare Fidelis Simple (HMO-POS) Wellcare · HMO-POS · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Wellcare Giveback Open (PPO) Wellcare · PPO · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Wellcare Simple Open (PPO) Wellcare · PPO · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| AARP Medicare Advantage from UHC NY-0015 (PPO) UnitedHealthcare · PPO · includes drug coverage | $44 | $8,900 | $685 | ★★★★★3 |
| HumanaChoice H5970-029 (PPO) Humana · PPO · includes drug coverage | $65 | $9,250 | $700 | ★★★★★3 |
| Aetna Medicare Signature (HMO) Aetna Medicare · HMO · includes drug coverage | $109 | $9,850 | $700 | ★★★★★3 |
| DEVOTED CHOICE 003 NY (PPO) Devoted Health · PPO · includes drug coverage | $0 | $9,500 | $650 | Plan too new to be measured |
| DEVOTED CHOICE GIVEBACK EXTRAS 029 NY (PPO) Devoted Health · PPO · includes drug coverage | $0 | $9,750 | $700 | Plan too new to be measured |
| DEVOTED CHOICE GIVEBACK 004 NY (PPO) Devoted Health · PPO · includes drug coverage | $0 | $9,850 | $650 | 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 Nursing Home Plan NY-F001 (PPO I-SNP) UnitedHealthcare · PPO I-SNP (Special Needs: Institutional) · includes drug coverage | $4.20 | $9,850 | $700 | ★★★★★5 |
| UHC Dual Complete NY-S001 (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $19.40 | $9,850 | $700 | ★★★★★4.5 |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| UHC Dual Complete NY-S4 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $315 | ★★★★★4 |
| Aetna Medicare Longevity (PPO I-SNP) Aetna Medicare · PPO I-SNP (Special Needs: Institutional) · includes drug coverage | $10.70 | $9,850 | $700 | ★★★★★4 |
| VNS Health EasyCare Plus (HMO D-SNP) VNS Health Medicare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $23.60 | $9,850 | $700 | ★★★★★4 |
| VNS Health Total (HMO D-SNP) VNS Health Medicare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $40.50 | $0 | $700 | ★★★★★4 |
| UHC Complete Care NY-33 (HMO-POS C-SNP) UnitedHealthcare · HMO-POS C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $6,900 | $685 | ★★★★★3.5 |
| MVP DualAccess (HMO D-SNP) MVP HEALTH CARE · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $13.10 | $9,820 | $700 | ★★★★★3.5 |
| MVP DualAccess Complete (HMO D-SNP) MVP HEALTH CARE · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $22.20 | $9,850 | $700 | ★★★★★3.5 |
| Aetna Medicare Chronic Care Total (HMO C-SNP) Aetna Medicare · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Aetna Medicare Full Dual (HMO D-SNP) Aetna Medicare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Humana Gold Plus SNP-DE H3533-036 (HMO D-SNP) Humana · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Wellcare Dual Access Open (PPO D-SNP) Wellcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Wellcare Fidelis Dual Access (HMO D-SNP) Wellcare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) Wellcare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Anthem HealthPlus Full Dual Advantage (HMO D-SNP) Anthem Blue Cross and Blue Shield HP · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $40.50 | $9,850 | $700 | ★★★★★3 |
| Wellcare Fidelis Dual Align Unity (HMO D-SNP) Wellcare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $40.50 | $9,850 | $700 | ★★★★★3 |
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 023 NY (PPO C-SNP) Devoted Health · PPO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,750 | $700 | Plan too new to be measured |
| DEVOTED C-SNP CHOICE ENHANCED 017 NY (PPO C-SNP) Devoted Health · PPO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $650 | Plan too new to be measured |
| DEVOTED C-SNP CHOICE PLUS 015 NY (PPO C-SNP) Devoted Health · PPO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $650 | Plan too new to be measured |
| Nascentia Skilled Nursing Facility (HMO I-SNP) Nascentia Health Plus · HMO I-SNP (Special Needs: Institutional) · includes drug coverage CMS low performer | $25.40 | $9,850 | $700 | Not enough data available |
| Nascentia Dual Advantage (HMO D-SNP) Nascentia Health Plus · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage CMS low performer | $27 | $9,850 | $700 | Not enough data available |
| Nascentia Medicaid Advantage Plus (HMO D-SNP) Nascentia Health Plus · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage CMS low performer | $30.30 | $9,850 | $700 | Not enough data available |
What changed from 2026 to 2027
- 16 plans are new here for 2027.
- 17 plans offered here in 2026 aren't listed for 2027 (for example Wellcare Premium Ultra (PFFS), Wellcare Premium Enhanced (PFFS), Wellcare Advantage Enhanced (PFFS)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 36 plans offered both years, 6 raised the monthly premium and 16 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in Saratoga 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 York (for people with Original Medicare)
- Medicare Advantage vs. Original Medicare
Frequently asked questions
How many Medicare Advantage plans are available in Saratoga County, NY for 2027?
52 plans from 11 insurers: 28 general plans open to anyone with Medicare Parts A and B who lives here, plus 24 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Saratoga County, NY?
Yes. 15 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 Saratoga County, NY?
Aetna Medicare Eagle Giveback (PPO) from Aetna Medicare 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 Saratoga County, NY?
Humana USAA Honor Giveback (PPO) caps in-network out-of-pocket costs at $4,950 for 2027.