Medicare Advantage

New York Medicare Advantage Plans for Chronic Conditions in 2027: 20 C-SNPs

ALBANY — For 2027, New Yorkers living with certain long-term health conditions will have 20 Chronic Condition Special Needs Plans (C-SNPs) to consider, part of the state's 224 Medicare Advantage plans listed in the CMS Medicare Advantage Landscape for the coming plan year. C-SNPs are a narrower slice of the Medicare Advantage menu, built for people whose care revolves around a specific chronic illness.

The Annual Enrollment Period runs October 15 through December 7, 2026, and the choice you make during that window takes effect January 1, 2027.

What a C-SNP is and who qualifies

A Chronic Condition Special Needs Plan is a type of Medicare Advantage plan limited to people living with one or more qualifying chronic conditions defined by Medicare. Common examples include diabetes, chronic heart failure, and chronic lung disorders, but the specific condition that a given C-SNP covers is set by that plan.

To enroll, a health care provider must verify that you have the qualifying condition the plan is built around. If that verification does not come through, the plan cannot keep you enrolled. Like other Medicare Advantage plans, C-SNPs bundle Part A and Part B coverage, and the ones listed in New York for 2027 all include drug coverage.

C-SNPs are one of three Special Needs Plan types. Alongside the 20 C-SNPs, New York's 2027 landscape also shows 50 Dual Eligible Special Needs Plans (D-SNPs) for people with both Medicare and Medicaid, and 9 Institutional Special Needs Plans (I-SNPs) for people in long-term care settings.

The statewide count and the carriers offering them

Of the 224 Medicare Advantage plans available somewhere in New York for 2027, 20 are C-SNPs. Four carriers are offering them:

• Aetna (CVS Health) — 4 plans
• Devoted Health — 11 plans
• Independent Health — 1 plan
• UnitedHealthcare — 4 plans

A plan appearing on the statewide list does not mean it is available in every county. Each plan is sold in a defined service area, which can range from a single county to dozens. In the full table on this page, the Devoted Health plans and the new Aetna Medicare Chronic Care Total (HMO C-SNP) offerings span larger footprints, while Independent Health's Assure Advantage (HMO C-SNP) is listed in one county. UnitedHealthcare's UHC Complete Care NY-30, NY-31, NY-33, and NY-35 (HMO-POS C-SNP) plans each list their own county set.

Several plans are marked new for next year in the CMS file, including both Aetna Medicare Chronic Care Total (HMO C-SNP) entries, UHC Complete Care NY-35 (HMO-POS C-SNP), and the full Devoted Health C-SNP lineup for New York.

The conditions named in plan names, only as named

Medicare requires each C-SNP to serve a defined chronic condition or group of conditions, but that information is not always included in the plan name. Among New York's 2027 C-SNPs, the plan names on file do not spell out the specific qualifying condition. The Aetna Medicare Chronic Care and Aetna Medicare Chronic Care Total (HMO C-SNP) plans, the Devoted Health "C-SNP CHOICE" plans (Enhanced, Giveback Extras, and Plus series), Independent Health's Assure Advantage (HMO C-SNP), and the UHC Complete Care NY-30, NY-31, NY-33, and NY-35 (HMO-POS C-SNP) plans all identify as C-SNPs in their names without naming the condition.

Because the condition is what determines eligibility, confirm with the carrier — or on Medicare.gov — exactly which chronic condition a given plan is built for before you apply.

The Special Enrollment Period for people with a qualifying condition

Medicare's calendar sets the Annual Enrollment Period at October 15 through December 7, 2026, with coverage starting January 1, 2027. But people who qualify for a Special Needs Plan generally do not have to wait for that window.

If a provider confirms you have the chronic condition a C-SNP serves, you typically have a Special Enrollment Period that lets you join that C-SNP at other times of year. You also usually have an opportunity to make a change if you lose eligibility — for example, if your condition no longer qualifies you under the plan's rules. The exact timing and the number of changes allowed are set by Medicare, and the current rules are posted on medicare.gov under Medicare enrollment periods.

Checking a plan in your county

The statewide list is a starting point, not a shopping list. Before deciding, confirm three things for any plan you are considering:

1. The plan is offered in your county for 2027. 2. You qualify for it based on your chronic condition. 3. The premium, deductible, copays, drug coverage, provider network, and extra benefits match your needs.

The Medicare Plan Finder at medicare.gov will show the plans available at your ZIP code once 2027 data is live, including the C-SNPs listed on this page. The plan's Evidence of Coverage and provider and pharmacy directories, available from the carrier, are the authoritative source for benefit and network details.

Free help

You do not have to work through this alone, and you do not have to pay anyone to help you compare plans.

• Visit Medicare.gov to use the Plan Finder, read plan documents, and review enrollment period rules.
• Call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, 7 days a week, including TTY service, for help in English, Spanish, and other languages.

The CMS Medicare Advantage Landscape Source Files for the current and coming plan year are the basis for the counts in this article, and they are updated by CMS each fall.