Medicare Advantage

Every Medicare Advantage plan for sale in Albuquerque in 2027, by carrier

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.

If you live in Albuquerque and are sorting through Medicare Advantage options for 2027, this guide walks through the carriers and plans available in your area — organized so you can see the full landscape before you compare details on Medicare.gov.

Albuquerque is in Bernalillo County, and Medicare Advantage availability is set at the county level. For plan year 2027, CMS lists 27 Medicare Advantage plans from 6 carriers in Bernalillo County. All 27 include prescription drug coverage. Compared with 2026, 24 plans are not returning, 9 are new, and 9 have been renamed; 13 continuing plans change something in their terms, and the details are in each plan's Annual Notice of Change. Carriers not offering plans in the county for 2027 are CHRISTUS Health Advantage, Molina Healthcare of Arizona, and SCAN Health Plan; Molina Healthcare of New Mexico is new to the county.

The carriers offering Medicare Advantage in Albuquerque for 2027

Six carriers offer Medicare Advantage-Prescription Drug (MA-PD) plans in Bernalillo County for 2027. Listed alphabetically, they are:

• Blue Cross Blue Shield (HCSC) — 11 plans (HMO and PPO; includes 2 SNPs)
• CHRISTUS Health Advantage — 2 plans (HMO)
• Devoted Health — 4 plans (HMO; includes 2 SNPs)
• Humana — 14 plans (HMO and PPO; includes 4 SNPs)
• Molina Healthcare of Arizona — 1 plan (HMO; 1 SNP)
• Presbyterian Health Plan — 5 plans (HMO; includes 1 SNP)
• SCAN Health Plan — 4 plans (HMO; includes 2 SNPs)
• UnitedHealthcare — 10 plans (HMO-POS and PPO; includes 5 SNPs)

The table below lists every plan by carrier, along with its plan type and a note that all 51 include drug coverage.

How to read the plan types

The plan type — HMO, HMO-POS, or PPO — is one of the first filters that will matter to you.

• HMO (Health Maintenance Organization): You generally pick a primary care doctor and stay in-network, except for emergencies. Referrals may be required to see specialists.
• HMO-POS (Point of Service): Similar to an HMO, but with a limited option to see some out-of-network providers, usually at a higher cost.
• PPO (Preferred Provider Organization): You can see in-network and out-of-network providers, but you generally pay less in-network.

Because provider networks, referral rules, and out-of-network costs vary from plan to plan, check each plan's Summary of Benefits or the Medicare Plan Finder before you choose.

Special Needs Plans in the mix

Of the 51 plans available in Bernalillo County, 17 are Special Needs Plans. There are three kinds:

• D-SNPs are for people who have both Medicare and Medicaid.
• C-SNPs are for people living with certain qualifying chronic conditions.
• I-SNPs are for people living in a nursing home or a similar institution, or who need that level of care at home.

You can only enroll in a SNP if you meet its eligibility rules. If you think one may fit your situation, the plan's own materials or a call to 1-800-MEDICARE can confirm.

Drug coverage is built in for 2027

Every one of the 27 Medicare Advantage plans in Bernalillo County for 2027 includes Part D drug coverage. CMS also lists 0 stand-alone Part D plans in the area for 2027, so if you want an Advantage plan, drug coverage will come as part of it.

A few program-level Part D facts worth knowing for 2027:

• The annual out-of-pocket cap for Part D drug costs is $2,100 in 2026 ($2,400 in 2027).
• The maximum Part D deductible is $615 in 2026 ($700 in 2027) (individual plans may set a lower deductible).
• The coverage gap (the old "donut hole") no longer exists — Part D now has three phases.
• The Medicare Prescription Payment Plan lets you spread your yearly drug costs into monthly payments, if that helps your budget.

Dates to keep in mind

• Annual Enrollment Period: October 15 – December 7, 2026. This is when most people join, switch, or drop a Medicare Advantage or Part D plan for 2027.
• Medicare Advantage Open Enrollment: January 1 – March 31. If you are already in a Medicare Advantage plan, you get one chance during this window to switch to a different Advantage plan or return to Original Medicare (and add a Part D plan).

If your income is above $109,000 as a single filer in 2026, an IRMAA surcharge may apply to your Part B and Part D premiums. Social Security will notify you if that affects you.

How to decide with the list in front of you

A practical way to work through the table:

1. Start with plan type. Do you want the flexibility of a PPO, or are you comfortable in an HMO network? 2. Check your doctors and hospitals. Use each plan's provider directory or the Medicare Plan Finder to confirm your providers are in-network. 3. Check your prescriptions. Every plan's formulary is different. Look up each drug you take on the plan's formulary. 4. Look at total costs. Premiums, deductibles, copays and the annual out-of-pocket maximum all matter — not just one number. 5. Ask for help. New Mexico's SHIP (called ADRC/Benefits Counseling) offers free, unbiased counseling.