Medicare Advantage plans in Saratoga County, NY: what changed for 2027
For 2027, Saratoga County in New York has 22 Medicare Advantage plans that include drug coverage, compared with 24 in 2026, according to the CMS plan landscape files.
Advantage plans with drug coverage22-2 from 2026
Advantage plans without drug coverage6-3 from 2026
Special Needs Plans24+4 from 2026
$0 premium plans with drug coverage10no change
Median out-of-pocket limit$9,8502026: $9,250
Plans rated 4 stars or more4-5 from 2026
Companies no longer offering Advantage plans here in 2027
- EmblemHealth, Inc.
If you are in one of their plans, you should have received a notice. You can choose a new plan during Open Enrollment, and special enrollment rules can apply when a plan leaves your area.
Companies newly offering Advantage plans here in 2027
- Devoted Health, Inc.
11 Advantage plan IDs (not counting Special Needs or Cost plans) listed here for 2026 are not in the 2027 file and 6 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, 34,611 of the 59,203 people eligible for Medicare in Saratoga County were enrolled in a Medicare Advantage or other Medicare health plan, 58.5%. A year earlier it was 33,492 of 57,635 (58.1%).
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 (22)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Aetna Medicare Elite (PPO) | Aetna Medicare | PPO | $0 | $9,850 | 4 of 5 |
| CDPHP $0 Medicare Rx (HMO) | CDPHP Medicare Advantage | HMO | $0 | $9,850 | 3.5 of 5 |
| DEVOTED CHOICE 003 NY (PPO) | Devoted Health | PPO | $0 | $9,500 | Plan Too New To Be Measured |
| DEVOTED CHOICE GIVEBACK 004 NY (PPO) | Devoted Health | PPO | $0 | $9,850 | Plan Too New To Be Measured |
| DEVOTED CHOICE GIVEBACK EXTRAS 029 NY (PPO) | Devoted Health | PPO | $0 | $9,750 | Plan Too New To Be Measured |
| 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 |
| AARP Medicare Advantage from UHC NY-29 (HMO-POS) | UnitedHealthcare | HMO-POS | $39.00 | $7,150 | 3.5 of 5 |
| AARP Medicare Advantage from UHC NY-0015 (PPO) | UnitedHealthcare | PPO | $44.00 | $8,900 | 3 of 5 |
| HumanaChoice H5970-029 (PPO) | Humana | PPO | $65.00 | $9,250 | 3 of 5 |
| MVP Medicare WellValue with Part D (HMO-POS) | MVP HEALTH CARE | HMO-POS | $71.00 | $9,850 | 3.5 of 5 |
| CDPHP Clear Rx (HMO) | CDPHP Medicare Advantage | HMO | $100.00 | $6,750 | 3.5 of 5 |
| Aetna Medicare Signature (HMO) | Aetna Medicare | HMO | $109.00 | $9,850 | 3 of 5 |
| Senior Blue 652 (HMO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | $122.00 | $7,150 | 4 of 5 |
| CDPHP Choice Rx (HMO) | CDPHP Medicare Advantage | HMO | $139.00 | $6,400 | 3.5 of 5 |
| Aetna Medicare Enhanced (PPO) | Aetna Medicare | PPO | $149.00 | $9,850 | 4 of 5 |
| MVP Medicare Secure Plus with Part D (HMO-POS) | MVP HEALTH CARE | HMO-POS | $165.00 | $6,000 | 3.5 of 5 |
| MVP Medicare Secure Plus Choice with Part D (PPO) | MVP HEALTH CARE | PPO | $256.00 | $7,500 | 3.5 of 5 |
Advantage plans without drug coverage for 2027 (6)
| 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 |
| CDPHP Core (HMO) | CDPHP Medicare Advantage | HMO | Not listed | $6,400 | 3.5 of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | Not listed | $4,950 | 3 of 5 |
| MVP Medicare Preferred Gold without Part D (HMO-POS) | MVP HEALTH CARE | HMO-POS | Not listed | $7,200 | 3.5 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 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 |
| DEVOTED C-SNP CHOICE ENHANCED 017 NY (PPO C-SNP) | Devoted Health | PPO C-SNP · Chronic or Disabling Condition | $0 | $9,850 | Plan Too New To Be Measured |
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 023 NY (PPO C-SNP) | Devoted Health | PPO C-SNP · Chronic or Disabling Condition | $0 | $9,750 | Plan Too New To Be Measured |
| DEVOTED C-SNP CHOICE PLUS 015 NY (PPO C-SNP) | Devoted Health | PPO C-SNP · Chronic or Disabling Condition | $0 | $9,850 | Plan Too New To Be Measured |
| 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-33 (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP · Chronic or Disabling Condition | $0 | $6,900 | 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 |
| UHC Dual Complete NY-S4 (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 |
| MVP DualAccess (HMO D-SNP) | MVP HEALTH CARE | HMO D-SNP · Dual-Eligible | $13.10 | $9,820 | 3.5 of 5 |
| UHC Dual Complete NY-S001 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP · Dual-Eligible | $19.40 | $9,850 | 4.5 of 5 |
| MVP DualAccess Complete (HMO D-SNP) | MVP HEALTH CARE | HMO D-SNP · Dual-Eligible | $22.20 | $9,850 | 3.5 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 |
| 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 |
| Anthem HealthPlus Full Dual Advantage (HMO D-SNP) | Anthem Blue Cross and Blue Shield HP | HMO D-SNP · Dual-Eligible | $40.50 | $9,850 | 3 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.