Medicare Advantage Plans in New York for 2027: What's Ending and What's Available

Checked October 6, 2026 against CMS's 2026 and 2027 plan lists and September 2026 enrollment.

The biggest plans ending: CDPHP (80,300 members), Wellcare / Ambetter (77,771 members), Humana (67,113 members). CMS's 2027 Plan Crosswalk says 72 New York Medicare Advantage and Part D plans end or leave counties for 2027, with at least 320,629 people enrolled who must choose a new plan. Another 12 plans (224,942 people) were merged into other plans or given new plan numbers; CMS moves those members automatically, and their letter names the new plan. A plan that ends stops on December 31, 2026. It does not mean you lose Medicare. Your plan's own letter is the final word.

• CDPHP (Lifetime Healthcare): 14 plans end or leave counties (80,300 members); 1 merged or renumbered (14,282 members) county detail
• Wellcare / Ambetter: 11 plans end or leave counties (77,771 members); 6 merged or renumbered (21,005 members) county detail
• Humana: 8 plans end or leave counties (67,113 members); 2 merged or renumbered (15,980 members) county detail
• Aetna: 13 plans end or leave counties (25,971 members); 1 merged or renumbered (610 members) county detail
• Cigna HealthSpring: 2 plans end or leave counties (24,092 members); 1 merged or renumbered (171,616 members) county detail
• MVP (MVP Health Care): 3 plans end or leave counties (13,488 members) county detail
• Blue 651 (Highmark Health): 5 plans end or leave counties (10,534 members) county detail
• Elderplan: 3 plans end or leave counties (6,778 members) county detail

Full detail by company and county: New York Medicare plan changes for 2027. CMS hides county counts of 10 or fewer, so totals are at least the number shown.

Checked 2026-10-17 against CMS's 2027 plan benefit and county files.

224 Medicare Advantage plans are offered in New York for 2027 by 24 companies. 158 are HMO plans and 66 are PPO plans. 79 are special needs plans, which only people who qualify (for example, people who also have Medicaid or a chronic condition) can join, so 145 are open to most people with Medicare. Depending on the county, you can choose from between 20 and 76 plans.

Compared with 2026: 227 plans were offered in New York in 2026, so the count is down by 3 for 2027. New to New York for 2027: Devoted Health (23 plans). Listed in CMS's 2026 files but not its 2027 files: Wellcare By Fidelis Care (6 plans in 2026), RiverSpring Health Plans (2 plans in 2026), Cigna HealthCare (1 plan in 2026), HealthSpring (1 plan in 2026), iCircle Services of the Finger Lakes, Inc (1 plan in 2026). A company can also appear to leave because it changed its name, so check your own plan's letter.

Plans by company, 2026 and 2027

Plans offered by county, 2026 and 2027

Counts include special needs plans. A plan can be offered in only part of a state, so the plans you can choose depend on your county. Which plans keep your doctors and cover your medicines is not in the CMS files; a licensed agent checks that for you.

A non-renewal letter means your specific plan won't continue in your county after December 31, 2026. It doesn't mean you lose Medicare, and it usually doesn't mean your insurance company is leaving Medicare altogether. You can choose a new Medicare Advantage plan, or move to Original Medicare with a Medigap plan and a Part D drug plan.

• At least 1,833,227 New York residents are in an individual Medicare Advantage plan (205 plans from 24 companies across 62 counties in 2026).
• Largest carriers by members: Healthfirst Medicare Plan (371,777), UnitedHealthcare (321,055), Aetna (285,028), Excellus (237,383), Wellcare (162,133), Humana (104,600).
• Last year, 90 New York Medicare Advantage plans ended or dropped counties for 2026, affecting about 426,918 members, most from Excellus, UnitedHealthcare, Independent Health.

• Your current plan keeps working through December 31, 2026. Doctors, prescriptions and benefits work as usual until then.
• Open Enrollment, October 15, 2026 to December 7, 2026: pick a new plan now and it starts January 1, 2027, with no gap.
• Your extra window, December 8, 2026 to February 28, 2027: because your plan is being discontinued, you get a Special Enrollment Period on top of Open Enrollment. An enrollment request received December 8-31 is effective January 1; received in January, effective February 1; received in February, effective March 1.
• Medigap guaranteed issue: apply as early as November 1, 2026, and no later than March 4, 2027 (63 days after your coverage ends).

You don't lose Medicare. If you don't choose a new plan, you're moved to Original Medicare (Parts A and B) on January 1, 2027. Original Medicare doesn't include prescription drug coverage, so you'd need to join a separate Part D plan. Going 63 days or more without creditable drug coverage can mean a permanent late-enrollment penalty.

Usually yes. When a Medicare Advantage plan leaves your area or stops offering coverage, federal law gives you a guaranteed issue right: a Medigap company must sell you Plan A, B, D or G (or C or F if you were eligible for Medicare before January 1, 2020), can't charge more for past or present health problems, and can't refuse you, as long as you switch to Original Medicare. Some states add more rights than this. Keep your non-renewal letter; it can serve as proof.

How Medigap guaranteed issue works when your plan ends

Losing your Advantage plan this year? Moving to Medigap | Medigap or another Advantage plan? | Moving to Medigap, step by step

• Are your doctors, specialists and hospitals in the new plan's network?
• Are your prescriptions on its drug list, and is your pharmacy covered?
• Premium, deductible, copays and maximum out-of-pocket
• HMO or PPO, and any extra benefits (dental, vision, hearing) that matter to you
• Medicare Advantage vs. Original Medicare with Medigap and a Part D plan