Medicare 2026

Medicare in New York for 2027: 63 Advantage Plans Leaving, 69 New, and What Else Changes

New York's Medicare landscape for 2027 looks a little different than it did in 2026. The state will have 224 Medicare Advantage plans available across its 62 counties, up slightly from 218 the year before. Behind that small net change is a bigger reshuffle: 63 plans are not returning anywhere in New York, 69 new plans are entering, and 54 of the plans continuing into 2027 are changing something — a premium, a drug deductible, the plan type, or the plan name. Meanwhile, the Part D out-of-pocket cap is rising to $2,400, and Social Security benefits will go up 3.6 percent in January.

Medicare 2026New York

What's changing with Medicare Advantage plans in New York for 2027?

New York will have 224 Medicare Advantage plans in 2027, compared with 218 in 2026, offered across all 62 counties. Within that total, 63 plans are leaving the state entirely, 69 new plans are being offered, and 54 continuing plans are changing a premium, drug deductible, plan type, or plan name.

Two carriers — HealthSpring and iCircle Services of the Finger Lakes, Inc. — will not offer a Medicare Advantage plan anywhere in New York for 2027. One carrier, Devoted Health, is new to New York's Medicare Advantage market for 2027.

Three documents matter here. Current members should watch the mail in late September and October 2026 for the Annual Notice of Change (ANOC), which spells out what the plan is doing in 2027. If a plan is leaving, the insurer must also send a non-renewal letter. People whose plan is non-renewing qualify for a Special Enrollment Period that runs through February 28, 2027, which allows them to join another Medicare Advantage plan or return to Original Medicare and add a stand-alone Part D plan.

Remember that Medicare Advantage plans are sold county by county. A plan counted in the statewide totals may or may not be offered in your county.

Which New York counties have the most Medicare Advantage change for 2027?

Five New York counties stand out for the amount of plan turnover in 2027. In Broome County, 26 plans are leaving and 7 are changing. In Genesee County, 22 are leaving and 12 are changing. In Erie County, 21 are leaving and 15 are changing. In Queens County, 21 are leaving and 13 are changing. In Westchester County, 20 are leaving and 18 are changing.

If you live in one of these counties, there's a higher chance your current plan is either not returning or looking different in 2027. The Medicare Plan Finder at medicare.gov will show which plans are actually available at your ZIP code.

How many stand-alone Part D drug plans are offered in New York for 2027?

New York will have 9 stand-alone Medicare Part D prescription drug plans in 2027, from 5 insurers, down from 10 plans in 2026. Stand-alone Part D plans are the drug coverage people pair with Original Medicare (or with a Medicare Advantage plan that doesn't include drug coverage).

Two national rules shape every Part D plan in 2027. The out-of-pocket cap for covered drugs is $2,400 (up from $2,100 in 2026). And the most any Part D plan may charge as its annual deductible is $700. Specific premiums, formularies, and pharmacy networks vary plan by plan and are listed on medicare.gov.

How many Medigap insurers are available in New York for 2027?

Medicare.gov lists 8 Medigap insurers for a ZIP code in New York. Medigap (also called Medicare Supplement Insurance) is private coverage that works alongside Original Medicare to help pay cost-sharing like deductibles and coinsurance.

Medigap rules vary by state, including when you can enroll without medical underwriting. For the plan letters available, the pricing rules in New York, and the companies that sell each one, use the Medigap tool at medicare.gov or call 1-800-MEDICARE.

What are the national Medicare numbers for 2027, and what did Social Security announce?

Several national figures are set for 2027. The Part D out-of-pocket cap is $2,400. The maximum Part D deductible any plan may charge is $700. The Part D base beneficiary premium is $41.33 — a national figure used to calculate the Part D late-enrollment penalty; actual plan premiums are set plan by plan.

On October 14, 2026, the Social Security Administration announced a 3.6 percent cost-of-living adjustment (COLA) for benefits payable beginning January 2027.

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income-related surcharges, had not been announced at the time this article was written. CMS typically releases those figures in the fall. Check medicare.gov once they are posted.

What should New Yorkers with Medicare do before December 7, 2026?

Annual Enrollment 2027 runs October 15 through December 7, 2026, and any choice made during that window takes effect January 1, 2027. A short checklist:

• Open your Annual Notice of Change when it arrives, and flag anything different.
• If you got a non-renewal letter, mark your Special Enrollment Period through February 28, 2027.
• List your current prescriptions, pharmacies, and doctors before you compare.
• Run your ZIP code through the Medicare Plan Finder at medicare.gov to see what's actually offered in your county.
• If you have Original Medicare and want drug coverage, review the 9 stand-alone Part D plans available in New York for 2027.
• If you're thinking about Medigap, check the 8 insurers listed at your ZIP code and ask about New York's enrollment rules.

Where can New Yorkers get free help with Medicare for 2027?

Two free resources are available to everyone with Medicare in New York. Medicare.gov has the Plan Finder, the Medigap tool, and plan-by-plan details including premiums, drug lists, pharmacy networks, and star ratings. And 1-800-MEDICARE is available 24 hours a day, 7 days a week, to answer questions and help with enrollment.