Medicare Advantage
UnitedHealthcare Medicare Advantage in New Mexico for 2027: 30 Plans, County by County
SANTA FE — UnitedHealthcare is bringing 30 Medicare Advantage plans to New Mexico for the 2027 plan year, according to the Centers for Medicare & Medicaid Services Landscape files. The lineup includes general enrollment PPOs and HMO-POS plans, Special Needs Plans for people with Medicaid or qualifying chronic conditions, and two PPOs that do not include drug coverage. Because Medicare Advantage is sold county by county, any one plan listed statewide may not be available where you live.
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Key takeaways
- UnitedHealthcare has 30 Medicare Advantage plans in New Mexico for 2027, and 28 of them include Part D drug coverage.
- Eight plans are new for 2027 and one 2026 plan is not returning, so some members should expect a notice in the mail.
- The Annual Enrollment Period runs October 15 through December 7, 2026, and the choice you make takes effect January 1, 2027.
- A plan listed statewide may not be sold in your county; always confirm availability on Medicare.gov or by calling 1-800-MEDICARE.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
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What is UnitedHealthcare offering across New Mexico for 2027?
Across New Mexico, UnitedHealthcare has 30 Medicare Advantage plans on the 2027 CMS Landscape file. By plan type, that is 2 HMO-POS plans and 28 PPOs. Twenty-eight of the 30 include Part D prescription drug coverage; two PPOs are offered without drug coverage.
The carrier also lists Special Needs Plans: 4 Dual Eligible Special Needs Plans (D-SNPs) for people who have both Medicare and Medicaid, and 4 Chronic Condition Special Needs Plans (C-SNPs) for people with certain qualifying conditions. UnitedHealthcare lists no Institutional Special Needs Plans (I-SNPs) in the state for 2027.
For context, CMS shows 6 other Medicare Advantage carriers in New Mexico next year, and 61 Medicare Advantage plans across the state when all carriers are counted together.
Which UnitedHealthcare plans reach the most New Mexico counties in 2027?
The widest county reach among UnitedHealthcare's 2027 plans in New Mexico belongs to two D-SNPs: UHC Dual Advantage NM-V1 (PPO D-SNP) and UHC Dual Complete NM-Q1 (PPO D-SNP), each listed in 33 counties. UHC Dual Complete NM-S2 (PPO D-SNP) is listed in 28 counties.
Among general enrollment plans, AARP Medicare Advantage from UHC NM-0003 (PPO) and AARP Medicare Advantage from UHC NM-0006 (PPO) are each listed in 19 counties, as is AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO), one of the two PPOs without drug coverage. UHC Complete Care Support NM-2A (PPO C-SNP) is also listed in 19 counties.
Other plans in the lineup — including the AARP Medicare Advantage Essentials, Extras, Giveback, Direct and Direct Plus PPOs — sit in smaller four- or five-county footprints. The full list is in the table on this page.
What is new for 2027 and what is leaving?
UnitedHealthcare has 8 new Medicare Advantage plans in New Mexico for 2027 and 1 plan from 2026 that is not returning. The new plans include multiple AARP Medicare Advantage Direct OTC, Direct Plus and Extras PPOs, along with UHC Dual Complete NM-S2 (PPO D-SNP).
Several plans have been renamed between 2026 and 2027. For example, AARP Medicare Advantage Essentials from UHC NM-4 (PPO) was previously AARP Medicare Advantage from UHC NM-0004 (PPO); AARP Medicare Advantage Essentials from UHC NM-5 (PPO) was previously AARP Medicare Advantage from UHC NM-0005 (PPO); UHC Dual Advantage NM-V1 (PPO D-SNP) was previously UHC Dual Complete NM-V1 (PPO D-SNP); and UHC Dual Complete NM-Q1 (PPO D-SNP) was previously UHC Dual Complete NM-S1 (PPO D-SNP). A renamed plan is not the same as a new plan, but the plan ID and paperwork change, so read any Annual Notice of Change (ANOC) carefully.
If your current plan is the one not returning, you will get a non-renewal notice from UnitedHealthcare and you have a Special Enrollment Period to choose a different plan.
How do I check whether a UnitedHealthcare plan is offered in my New Mexico county and covers my doctors and drugs?
In New Mexico, the way to confirm a plan is to look it up by ZIP code on the Medicare Plan Finder at Medicare.gov or call 1-800-MEDICARE, available 24 hours a day, 7 days a week. A plan showing on the statewide list for 2027 may not be sold in your county — availability is set county by county on the CMS Landscape file.
Once you confirm availability, do three more checks before enrolling for 2027:
- Doctors and hospitals: call each provider and ask whether they will be in-network for the specific UnitedHealthcare plan name and ID in 2027.
- Prescriptions: enter each drug, dose and pharmacy into Plan Finder to see how it is covered on that plan's formulary.
- Extra benefits and costs: read the plan's Summary of Benefits and Evidence of Coverage, which UnitedHealthcare provides.
This independent site does not quote premiums, copays, networks, drug lists or star ratings for any plan.
What should New Mexico Medicare beneficiaries do before December 7, 2026?
The Annual Enrollment Period for 2027 coverage runs October 15 through December 7, 2026. A choice made during that window takes effect January 1, 2027. If you take no action and your current plan is returning, you generally stay enrolled in it next year.
A reasonable checklist for Annual Enrollment 2027:
- Read your plan's ANOC when it arrives in September 2026 to see what is changing.
- Make a list of your doctors, hospitals, pharmacies and prescriptions.
- Compare your current plan against other options on Medicare.gov using that list.
- Decide whether to keep your plan, switch to another Medicare Advantage plan, or return to Original Medicare with or without a stand-alone Part D plan.
Where can New Mexico residents get free Medicare help?
Free, unbiased help is available directly from Medicare. Call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, any time, day or night. Online, Medicare.gov has the Plan Finder, enrollment tools and plan documents. The Social Security Administration (ssa.gov or 1-800-772-1213) handles Medicare enrollment, premiums and Extra Help with drug costs.
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.
2027 plan lineup
UnitedHealthcare Medicare Advantage plans in New Mexico for 2027
CMS lists 30 UnitedHealthcare Medicare Advantage plans across New Mexico for 2027, alphabetically by carrier, widest county reach first. 6 other carriers also offer plans there.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| UnitedHealthcare 30 plans | |||
| UHC Dual Advantage NM-V1 (PPO D-SNP) | PPO D-SNP | Yes | 33 |
| UHC Dual Complete NM-Q1 (PPO D-SNP) | PPO D-SNP | Yes | 33 |
| UHC Dual Complete NM-S2 (PPO D-SNP) | PPO D-SNP | Yes | 28 |
| AARP Medicare Advantage from UHC NM-0003 (PPO) | PPO | Yes | 19 |
| AARP Medicare Advantage from UHC NM-0006 (PPO) | PPO | Yes | 19 |
| AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO) | PPO | No | 19 |
| UHC Complete Care Support NM-2A (PPO C-SNP) | PPO C-SNP | Yes | 19 |
| UHC Complete Care NM-11 (PPO C-SNP) | PPO C-SNP | Yes | 12 |
| AARP Medicare Advantage Patriot No Rx NM-MA01 (PPO) | PPO | No | 9 |
| UHC Complete Care Support NM-1A (PPO C-SNP) | PPO C-SNP | Yes | 9 |
| AARP Medicare Advantage Direct OTC from UHC NM-16 (PPO) | PPO | Yes | 5 |
| AARP Medicare Advantage Direct Plus from UHC NM-17 (PPO) | PPO | Yes | 5 |
| AARP Medicare Advantage Essentials from UHC EP-1 (PPO) | PPO | Yes | 5 |
| AARP Medicare Advantage Essentials from UHC NM-5 (PPO) | PPO | Yes | 5 |
| AARP Medicare Advantage Extras from UHC EP-3 (PPO) | PPO | Yes | 5 |
| AARP Medicare Advantage Extras from UHC NM-13 (PPO) | PPO | Yes | 5 |
| AARP Medicare Advantage from UHC EP-4 (PPO) | PPO | Yes | 5 |
| AARP Medicare Advantage from UHC NM-0002 (PPO) | PPO | Yes | 5 |
| AARP Medicare Advantage Giveback from UHC EP-2 (PPO) | PPO | Yes | 5 |
| AARP Medicare Advantage Giveback from UHC NM-8 (PPO) | PPO | Yes | 5 |
| UHC Complete Care Support EP-1A (PPO C-SNP) | PPO C-SNP | Yes | 5 |
| UHC Dual Complete NM-S2 (PPO D-SNP) | PPO D-SNP | Yes | 5 |
| AARP Medicare Advantage Direct OTC from UHC NM-14 (PPO) | PPO | Yes | 4 |
| AARP Medicare Advantage Direct Plus from UHC NM-15 (PPO) | PPO | Yes | 4 |
| AARP Medicare Advantage Essentials from UHC NM-4 (PPO) | PPO | Yes | 4 |
| AARP Medicare Advantage Extras from UHC NM-12 (PPO) | PPO | Yes | 4 |
| AARP Medicare Advantage from UHC NM-0001 (PPO) | PPO | Yes | 4 |
| AARP Medicare Advantage Giveback from UHC NM-7 (PPO) | PPO | Yes | 4 |
| AARP Medicare Advantage from UHC NM-0009 (HMO-POS) | HMO-POS | Yes | 3 |
| AARP Medicare Advantage from UHC NM-0010 (HMO-POS) | HMO-POS | Yes | 1 |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. 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.
The 2027 choices, by type
How UnitedHealthcare Medicare Advantage plans across New Mexico break down for 2027
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. Plans are offered county by county; a plan listed for the state may not be offered in your county. 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.
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Frequently asked questions
How many UnitedHealthcare Medicare Advantage plans are offered in New Mexico for 2027?
Does every UnitedHealthcare plan listed appear in every New Mexico county?
What happens if my UnitedHealthcare plan is not returning in 2027?
When can I make a change for 2027 coverage?
Watch
The Medicare Advantage changes for 2027 in every state, in 30 seconds
- 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.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- CMS, Medicare Advantage and Part D Landscape Source Files
Figures cited in this article
- CMS — MA Landscape Source File (CY2027): the statewide plan counts, plan types, Special Needs Plan counts, drug-coverage counts and county reach for each UnitedHealthcare plan in New Mexico.
- CMS — MA Landscape Source Files (CY2026 and CY2027): the count of new plans, non-returning plans and renamed plans year over year.
- Medicare.gov (CMS — Medicare enrollment periods): the October 15 – December 7, 2026 Annual Enrollment dates and the January 1, 2027 effective date.
- Medicare.gov Plan Finder and 1-800-MEDICARE: the tools to confirm county availability, provider networks and drug coverage.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.