Medicare Advantage plans in Erie County, NY: what changed for 2027
For 2027, Erie County in New York has 27 Medicare Advantage plans that include drug coverage, compared with 34 in 2026, according to the CMS plan landscape files.
Advantage plans with drug coverage27-7 from 2026
Advantage plans without drug coverage9-3 from 2026
Special Needs Plans24no change
$0 premium plans with drug coverage10-2 from 2026
Median out-of-pocket limit$9,3002026: $8,100
Plans rated 4 stars or more16-2 from 2026
15 Advantage plan IDs (not counting Special Needs or Cost plans) listed here for 2026 are not in the 2027 file and 5 plan IDs are new. Some of these are the same plan renamed or merged, so check the Annual Notice of Change from your plan.
How many people here are in Medicare Advantage
In October 2026, 157,314 of the 219,321 people eligible for Medicare in Erie County were enrolled in a Medicare Advantage or other Medicare health plan, 71.7%. A year earlier it was 154,741 of 215,849 (71.7%).
CMS counts enrollees in all Medicare health plans, including Advantage, cost and PACE plans, by the county where they live.
Before you choose a plan
Compare plans for your ZIP code, drugs and doctors on the official Medicare Plan Finder, or call 1-800-MEDICARE (1-800-633-4227). Free, unbiased counselling is available from your State Health Insurance Assistance Program at shiphelp.org.
Advantage plans with drug coverage for 2027 (27)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC NY-0007 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $9,300 | 3.5 of 5 |
| Aetna Medicare Signature (HMO-POS) | Aetna Medicare | HMO-POS | $0 | $7,150 | 3 of 5 |
| Aetna Medicare Signature (PPO) | Aetna Medicare | PPO | $0 | $9,850 | 4 of 5 |
| Community Blue Medicare HMO Signature (HMO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | $0 | $7,150 | 4 of 5 |
| Univera SeniorChoice Basic (HMO) | Excellus Health Plan, Inc | HMO | $0 | $9,850 | 4 of 5 |
| Wellcare Assist Open (PPO) | Wellcare | PPO | $0 | $9,850 | 3 of 5 |
| Wellcare Fidelis Assist (HMO-POS) | Wellcare | HMO-POS | $0 | $9,850 | 3 of 5 |
| Wellcare Fidelis Simple (HMO-POS) | Wellcare | HMO-POS | $0 | $9,850 | 3 of 5 |
| Wellcare Giveback Open (PPO) | Wellcare | PPO | $0 | $9,850 | 3 of 5 |
| Wellcare Simple Open (PPO) | Wellcare | PPO | $0 | $9,850 | 3 of 5 |
| VNS Health EasyCare (HMO) | VNS Health Medicare | HMO | $25.00 | $9,850 | 4 of 5 |
| Aetna Medicare Elite (PPO) | Aetna Medicare | PPO | $35.00 | $9,850 | 4 of 5 |
| AARP Medicare Advantage from UHC NY-0019 (PPO) | UnitedHealthcare | PPO | $39.00 | $8,900 | 3 of 5 |
| Aetna Medicare Enhanced (PPO) | Aetna Medicare | PPO | $41.00 | $9,850 | 4 of 5 |
| Independent Health's Encompass 65 RED 042 (HMO) | Independent Health | HMO | $49.00 | $9,850 | 4.5 of 5 |
| HumanaChoice H5970-029 (PPO) | Humana | PPO | $65.00 | $9,250 | 3 of 5 |
| Community Blue Medicare HMO Distinct (HMO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | $68.00 | $6,750 | 4 of 5 |
| Univera SeniorChoice Advanced (HMO-POS) | Excellus Health Plan, Inc | HMO-POS | $75.40 | $7,500 | 4 of 5 |
| Independent Health's Medicare Passport Connect (PPO) | Independent Health | PPO | $81.00 | $9,850 | 4.5 of 5 |
| Univera SeniorChoice Value Plus (HMO-POS) | Excellus Health Plan, Inc | HMO-POS | $93.30 | $6,700 | 4 of 5 |
| Univera SeniorChoice Secure (HMO-POS) | Excellus Health Plan, Inc | HMO-POS | $104.70 | $6,000 | 4 of 5 |
| Independent Health's Encompass 65 RED 044 (HMO) | Independent Health | HMO | $110.00 | $8,000 | 4.5 of 5 |
| Community Blue Medicare HMO 651 (HMO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | $118.00 | $6,700 | 4 of 5 |
| MVP Medicare WellValue with Part D (HMO-POS) | MVP HEALTH CARE | HMO-POS | $217.00 | $9,850 | 3.5 of 5 |
| MVP Medicare Preferred Gold with Part D (HMO-POS) | MVP HEALTH CARE | HMO-POS | $277.00 | $6,800 | 3.5 of 5 |
| Independent Health's Encompass 65 RED 045 (HMO) | Independent Health | HMO | $286.00 | $7,000 | 4.5 of 5 |
| Community Blue Medicare HMO Standard (HMO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | $368.00 | $7,150 | 4 of 5 |
Advantage plans without drug coverage for 2027 (9)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) | UnitedHealthcare | HMO-POS | Not listed | $7,150 | 3.5 of 5 |
| Aetna Medicare Eagle Giveback (PPO) | Aetna Medicare | PPO | Not listed | $9,850 | 4 of 5 |
| Freedom Valor (PPO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | PPO | Not listed | $6,700 | 4.5 of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | Not listed | $4,950 | 3 of 5 |
| Independent Health's Encompass 65 (HMO) | Independent Health | HMO | Not listed | $6,750 | 4.5 of 5 |
| MVP Medicare Preferred Gold without Part D (HMO-POS) | MVP HEALTH CARE | HMO-POS | Not listed | $7,200 | 3.5 of 5 |
| Senior Blue 601 (HMO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | Not listed | $6,700 | 4 of 5 |
| Univera Medicare Freedom (HMO-POS) | Excellus Health Plan, Inc | HMO-POS | Not listed | $6,500 | 4 of 5 |
| Wellcare Fidelis Patriot Simple (HMO-POS) | Wellcare | HMO-POS | Not listed | $9,850 | 3 of 5 |
Special Needs Plans for 2027 (24)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Aetna Medicare Chronic Care (HMO C-SNP) | Aetna Medicare | HMO C-SNP · Chronic or Disabling Condition | $0 | $9,850 | 3 of 5 |
| Aetna Medicare Chronic Care Total (HMO C-SNP) | Aetna Medicare | HMO C-SNP · Chronic or Disabling Condition | $0 | $9,850 | 3 of 5 |
| Aetna Medicare Full Dual (HMO D-SNP) | Aetna Medicare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| Humana Gold Plus SNP-DE H3533-036 (HMO D-SNP) | Humana | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| UHC Complete Care NY-30 (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP · Chronic or Disabling Condition | $0 | $8,900 | 3.5 of 5 |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $0 | $9,850 | 4 of 5 |
| Wellcare Dual Access Open (PPO D-SNP) | Wellcare | PPO D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| Wellcare Fidelis Dual Access (HMO D-SNP) | Wellcare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) | Wellcare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| UHC Nursing Home Plan NY-F001 (PPO I-SNP) | UnitedHealthcare | PPO I-SNP · Institutional | $4.20 | $9,850 | 5 of 5 |
| Aetna Medicare Longevity (PPO I-SNP) | Aetna Medicare | PPO I-SNP · Institutional | $10.70 | $9,850 | 4 of 5 |
| Independent Health's Assure Advantage (HMO C-SNP) | Independent Health | HMO C-SNP · Chronic or Disabling Condition | $15.00 | $8,500 | 4.5 of 5 |
| Univera Medicare Total Care (HMO D-SNP) | Excellus Health Plan Community Care LLC | HMO D-SNP · Dual-Eligible | $18.30 | $9,850 | 3 of 5 |
| UHC Dual Complete NY-S001 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP · Dual-Eligible | $19.40 | $9,850 | 4.5 of 5 |
| VNS Health EasyCare Plus (HMO D-SNP) | VNS Health Medicare | HMO D-SNP · Dual-Eligible | $23.60 | $9,850 | 4 of 5 |
| Nascentia Skilled Nursing Facility (HMO I-SNP) | Nascentia Health Plus | HMO I-SNP · Institutional | $25.40 | $9,850 | Not Enough Data Available |
| Univera Medicare Dual (HMO D-SNP) | Excellus Health Plan Community Care LLC | HMO D-SNP · Dual-Eligible | $26.60 | $9,850 | 3 of 5 |
| Nascentia Dual Advantage (HMO D-SNP) | Nascentia Health Plus | HMO D-SNP · Dual-Eligible | $27.00 | $9,850 | Not Enough Data Available |
| Nascentia Medicaid Advantage Plus (HMO D-SNP) | Nascentia Health Plus | HMO D-SNP · Dual-Eligible | $30.30 | $9,850 | Not Enough Data Available |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $31.70 | $9,850 | 4 of 5 |
| Independent Health's Medicare Family Choice (HMO I-SNP) | Independent Health | HMO I-SNP · Institutional | $40.00 | $5,000 | 4.5 of 5 |
| UHC Dual Complete NY-YL (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $40.50 | $9,850 | 4 of 5 |
| VNS Health Total (HMO D-SNP) | VNS Health Medicare | HMO D-SNP · Dual-Eligible | $40.50 | $0 | 4 of 5 |
| Wellcare Fidelis Dual Align Unity (HMO D-SNP) | Wellcare | HMO D-SNP · Dual-Eligible | $40.50 | $9,850 | 3 of 5 |
Stand-alone Part D drug plans are offered statewide: see New York drug plans.
Sources
- Centers for Medicare & Medicaid Services, CY2027 Medicare Advantage and Part D Landscape file (data last updated 18 October 2026)
- Centers for Medicare & Medicaid Services, CY2026 Medicare Advantage and Part D Landscape file (September 2026 release)
- Centers for Medicare & Medicaid Services, MA State/County Penetration files, October 2026 and October 2025
Checked 29 October 2026. Plans and premiums can change before 1 January 2027. Confirm any plan on Medicare.gov before you enrol.