Medicare Advantage
Does Your Albuquerque Plan Let You Leave the Network?
People in Albuquerque can choose from 36 Medicare Advantage plans for 2027, against 51 this year. 24 of this year’s plans are gone, 9 are new to Bernalillo County, and 22 that continue have changed their premium, deductible, plan type or name, 9 of them under a new name.
Compare Medicare Advantage options near you
Answer 3 quick questions to see Medicare Advantage listings from licensed insurance partners.
What’s your ZIP code?
Plan availability is set by your county, so we start here.
How old are you?
This helps match you with options you’re eligible for.
Do you have Medicare Parts A & B?
This affects which Medicare Advantage options you can choose.
These listings are provided by licensed insurance partners.
Medicare Advantage plans in your area are changing or leaving for 2027.
One call tells you whether your plan is on the list — before enrollment opens.
Available now — current wait: 0 min
A real person answers. No phone menu, ever.
Medicare Advantage plans in your area are changing or leaving for 2027.
Is your plan on the list? One call tells you — before enrollment opens.
Available now — current wait: 0 min
A real person answers. About 5 minutes, no obligation.
Agents available Mon–Fri, 8am–6pm CT
Advertising disclosure: MyMedicarePlans.org may be compensated when you contact a partner or licensed agent. Listings are not ranked or endorsed by us, and we do not recommend specific plans. You can also contact Medicare.gov or 1-800-MEDICARE.
Speak to a Licensed Insurance Agent
Click to call 855-729-3240Found a plan you like online?
One free call confirms it's actually right for you — online directories are wrong more often than you'd think.
- Your doctors — confirmed in-network for 2027
- Your prescriptions — checked against the plan's 2027 drug tiers
855-729-3240 · free · about 5 minutes
Key takeaways
- Bernalillo County's 2027 Medicare Advantage lineup includes 14 HMO plans, 3 HMO-POS plans and 19 PPO plans from six carriers; no PFFS plans are offered.
- HMOs generally keep care inside a network and may require referrals; PPOs cover both in- and out-of-network care, usually at a higher share for out-of-network.
- The Annual Enrollment Period runs Oct. 15 – Dec. 7, 2026, and any change you make takes effect Jan. 1, 2027.
- If you do nothing, your current plan renews for 2027 if it is still offered — read the Annual Notice of Change (ANOC) for what is different.
ALBUQUERQUE — As the Annual Enrollment Period for 2027 coverage opens Oct. 15, 2026, people shopping Medicare Advantage in Albuquerque will see a lineup that leans in two directions: plans that keep care inside a local network, and plans that let you step outside it. In Bernalillo County, where Albuquerque sits, the 2027 Medicare Advantage menu breaks down into 14 HMO plans, 3 HMO-POS plans and 19 PPO plans, offered by six carriers in all. There are no PFFS (Private Fee-for-Service) plans in the county for 2027.
That split matters because the plan "type" — those letters after a plan's name — is what sets the rules for which doctors you can see, whether you need a referral and what happens if you get care outside the network.
What each plan type actually means
HMO (Health Maintenance Organization). You pick a primary care doctor and generally use providers in the plan's network. Many HMOs ask for a referral before you see a specialist. Out-of-network care usually is not covered except in an emergency or urgent-care situation.
HMO-POS (Point of Service). An HMO with a limited "point of service" option that lets you go outside the network for certain services, usually at a higher cost share. The rules on referrals and which services qualify vary by plan — the plan's Evidence of Coverage spells it out.
PPO (Preferred Provider Organization). You can see any provider who accepts Medicare and the plan's terms, in or out of network. Referrals are generally not required. Out-of-network care is covered, but your share of the cost is typically higher than in-network.
PFFS (Private Fee-for-Service). The plan sets the payment terms, and any Medicare-approved provider who agrees to those terms can treat you. No PFFS plans are offered in Bernalillo County for 2027.
Which type fits best depends on your doctors, how often you travel, and whether you want the flexibility to go out of network without a referral. None of the types is cheaper or "better" by design — the details live inside each plan.
How Albuquerque's 2027 plans split by type
The CMS Medicare Advantage Landscape file for plan year 2027 shows 36 Medicare Advantage plans available in Bernalillo County from six carriers, with this breakdown:
- HMO: 14 plans
- HMO-POS: 3 plans
- PPO: 19 plans
- PFFS: 0 plans
Counted together, HMO and HMO-POS plans make up 17 of the 36 plans; PPOs make up the other 19. Special Needs Plans (D-SNP, C-SNP, I-SNP) are included in these totals, and they come in both HMO and PPO forms.
The table below this article lists every plan by carrier, name and type.
Which carriers offer which type in Bernalillo County
For 2027, here is which carriers offer each plan type in the county, in alphabetical order:
HMO plans are offered by Blue Cross Blue Shield (HCSC), Devoted Health, Humana, Molina Healthcare of New Mexico, and Presbyterian Health Plan.
HMO-POS plans are offered by Blue Cross Blue Shield (HCSC) and UnitedHealthcare.
PPO plans are offered by Humana and UnitedHealthcare.
A few things to notice: some carriers only sell one type in Bernalillo County (Devoted Health, Molina Healthcare of New Mexico and Presbyterian Health Plan offer HMO plans here, not PPOs), while others offer more than one type. If you want a PPO specifically in Albuquerque for 2027, your choices come from Humana and UnitedHealthcare.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Bernalillo County
(MA penetration in Bernalillo County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
What changed from 2026
The 2027 lineup is smaller than 2026's. Compared with last year's Bernalillo County menu — 51 Medicare Advantage plans from eight carriers — this year's figure of 36 plans from six carriers reflects 24 plans not returning, 9 new plans, and 9 renamed plans. If your plan is one of the ones not returning, your carrier is required to tell you in writing; if it was renamed, the Annual Notice of Change explains what is different. Either way, Oct. 15 – Dec. 7, 2026 is when you can make a change for Jan. 1, 2027.
How to decide which type fits you
A few questions worth sitting with before you compare specific plans:
- Who are my doctors, and are they in the plan's network? Check each plan's provider directory on medicare.gov or the carrier's site. A plan type does not guarantee your doctor is in — only the directory does.
- Do I want to see specialists without a referral? PPOs generally do not require one; many HMOs do.
- How often do I travel or spend time out of state? PPOs cover out-of-network care (at a higher share); HMOs generally do not, except for emergencies.
- Do I take prescription drugs? All 2027 Medicare Advantage plans in Bernalillo County include drug coverage, but the formularies — the lists of covered drugs — differ by plan.
A few program-level numbers for 2027
These apply to Part D drug coverage across the country, including the drug coverage built into Medicare Advantage plans in Albuquerque:
- The Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100 in 2026).
- The Part D maximum deductible is $700 in 2027 (up from $615 in 2026).
- The Part D national base beneficiary premium for 2027 is $41.33 — this is a formula input CMS uses, not what any specific plan charges.
The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, had not been announced as of this writing; CMS typically publishes those in the fall.
The 2027 choices, by type
HMO, PPO and Special Needs Plans in Bernalillo County for 2027
- Blue Cross Blue Shield (HCSC) 4 plans: HMO, HMO-POS
- Devoted Health 6 plans: HMO
- Humana 11 plans: HMO, PPO
- Molina Healthcare of New Mexico 1 plan: HMO
- Presbyterian Health Plan 1 plan: HMO
- UnitedHealthcare 13 plans: HMO-POS, PPO
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
2027 plan lineup
Medicare Advantage plans in Bernalillo County for 2027
CMS lists 36 Medicare Advantage plans in Bernalillo County for 2027 from 6 carriers, alphabetically by carrier.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Blue Cross Blue Shield (HCSC) 4 plans | |||
| Blue Cross Medicare Advantage Basic (HMO-POS) | HMO | Yes | Renamed |
| Blue Cross Medicare Advantage Dual Care (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | New |
| Blue Cross Medicare Advantage Dual Care Plus (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | New |
| HealthSpring Preferred (HMO) | HMO | Yes | Returning |
| Devoted Health 6 plans | |||
| DEVOTED C-SNP ENHANCED 003 NM (HMO C-SNP) | HMO C-SNP | Yes | Renamed |
| DEVOTED C-SNP GIVEBACK EXTRAS 012 NM (HMO C-SNP) | HMO C-SNP | Yes | New |
| DEVOTED C-SNP PLUS 004 NM (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| DEVOTED CORE 001 NM (HMO) | HMO | Yes | Returning |
| DEVOTED GIVEBACK 002 NM (HMO) | HMO | Yes | Returning |
| DEVOTED GIVEBACK EXTRAS 015 NM (HMO) | HMO | Yes | New |
| Humana 11 plans | |||
| Humana Essentials Plus Giveback (PPO) | PPO | Yes | Renamed |
| Humana Full Access (PPO) | PPO | Yes | Renamed |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| Humana Gold Plus H0028-019 (HMO) | HMO | Yes | Returning |
| Humana Total Complete (HMO) | HMO | Yes | Renamed |
| Humana USAA Honor Giveback (PPO) | PPO | Yes | Returning |
| Humana Value Choice (PPO) | PPO | Yes | Renamed |
| HumanaChoice - Diabetes and Heart (PPO C-SNP) | PPO C-SNP | Yes | Returning |
| HumanaChoice H5216-223 (PPO) | PPO | Yes | Returning |
| HumanaChoice H7617-068 (PPO) | PPO | Yes | Returning |
| Molina Healthcare of New Mexico 1 plan | |||
| Molina Medicare Complete Care (HMO D-SNP) | HMO D-SNP | Yes | New |
| Presbyterian Health Plan 1 plan | |||
| Presbyterian Dual Plus (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| UnitedHealthcare 13 plans | |||
| AARP Medicare Advantage Direct OTC from UHC NM-14 (PPO) | PPO | Yes | New |
| AARP Medicare Advantage Direct Plus from UHC NM-15 (PPO) | PPO | Yes | New |
| AARP Medicare Advantage Essentials from UHC NM-4 (PPO) | PPO | Yes | Renamed |
| AARP Medicare Advantage Extras from UHC NM-12 (PPO) | PPO | Yes | New |
| AARP Medicare Advantage from UHC NM-0001 (PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage from UHC NM-0009 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage Giveback from UHC NM-7 (PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage Patriot No Rx NM-MA01 (PPO) | PPO | Yes | Returning |
| UHC Complete Care NM-11 (PPO C-SNP) | PPO C-SNP | Yes | Returning |
| UHC Complete Care Support NM-1A (PPO C-SNP) | PPO C-SNP | Yes | Returning |
| UHC Dual Advantage NM-V1 (PPO D-SNP) | PPO D-SNP | Yes | Renamed |
| UHC Dual Complete NM-Q1 (PPO D-SNP) | PPO D-SNP | Yes | Renamed |
| UHC Dual Complete NM-S2 (PPO D-SNP) | PPO D-SNP | Yes | New |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Explore
The parts of Medicare
Good to know
Frequently asked questions
What is the difference between an HMO and a PPO in plain English?
Are there any PFFS plans in Albuquerque for 2027?
If I do nothing during Annual Enrollment, what happens?
Where can I check whether my doctor is in a plan's network?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Also for Albuquerque
Content Integrity Standards
- No invented figures. Program-level numbers come from CMS / Medicare.gov; we never use placeholder data.
- No plan rankings or recommendations. This is educational content. We don't rank, score, or recommend specific plans.
- AI-assisted, human-reviewed. Articles are produced with AI-assisted tools and reviewed by the responsible desk before publishing.
- Inline sourcing. Facts and figures are cited to primary sources — CMS, SSA, and Medicare.gov.
- Correction transparency. We fix errors openly and note when a page was last updated.
- Not a government site. MyMedicarePlans.org is privately owned and not affiliated with or endorsed by Medicare or any government agency.
This page was last updated: October 2026.