Medicare Advantage

What’s Changing in New York Medicare Advantage for 2027: 63 Plans Leaving, 54 Changing

ALBANY, N.Y. — The federal Medicare Advantage landscape files for New York are out, and they show a meaningful reshuffle for the 2027 plan year. According to the Centers for Medicare & Medicaid Services (CMS) MA Landscape source files, 218 Medicare Advantage plans are offered somewhere in New York for 2026, and 224 will be offered somewhere in the state for 2027. Underneath those near-identical totals, the mix is shifting: 63 plans available somewhere in New York for 2026 will not be offered anywhere in the state for 2027, 54 plans are continuing but differ in at least one county, 69 plans are new, and 101 are continuing unchanged.

Medicare AdvantageNew York

Every one of New York's 62 counties sees at least one plan either leave or change for 2027. That means almost every current enrollee has a reason to open their mail from their plan this fall.

What the statewide numbers mean

CMS publishes a Landscape file for each plan year listing every Medicare Advantage plan offered in each county. Comparing the 2026 and 2027 New York files, each plan counted once statewide no matter how many counties it serves, the picture breaks down this way:

• Leaving: 63 plans offered somewhere in New York for 2026 are offered nowhere in the state for 2027.
• Changing: 54 plans are offered in both years but differ in at least one county on premium, drug deductible, plan type or plan name.
• New: 69 plans appear for 2027 that were not offered in New York for 2026.
• Continuing unchanged: 101 plans carry into 2027 with none of those four fields different in any county.

On the carrier side, the 2027 Landscape file lists no New York plans for HealthSpring or iCircle Services of the Finger Lakes, Inc. Devoted Health appears in New York for the first time for 2027.

A plan flagged as "changing" in this comparison means the CMS file shows a difference on at least one of those four fields in at least one county — not that benefits are better or worse. The specifics for your plan live in your ANOC.

If your plan is leaving

If your current Medicare Advantage plan is on the list of 63 not offered anywhere in New York for 2027, your plan will send you a non-renewal notice. You have two important protections:

1. The Annual Enrollment Period (AEP): October 15 – December 7, 2026. A choice made in this window takes effect January 1, 2027. 2. A Special Enrollment Period (SEP): Because your plan is not being renewed, you qualify for an SEP that runs through the end of February 2027. You can use it to pick another Medicare Advantage plan or to return to Original Medicare and, if eligible, add a stand-alone Part D plan.

If you do nothing and your plan is non-renewed, you are not automatically enrolled in a comparable plan — you typically return to Original Medicare without drug coverage. That is why the non-renewal letter matters.

If your plan is changing

If your plan is one of the 54 continuing with differences, you will receive an Annual Notice of Change (ANOC) from your carrier, usually by late September. The ANOC spells out exactly what is different for 2027 compared with 2026 in your county: premium, drug deductible, plan type and plan name are the fields CMS tracks in the Landscape file, and your ANOC will show your plan's own specifics across benefits as well.

If you do nothing, you stay enrolled, and the ANOC changes take effect January 1, 2027. If something in the ANOC does not work for you, the AEP (October 15 – December 7, 2026) is your window to switch.

The counties with the most change

Every New York county — all 62 — sees at least one plan leave or change for 2027. Among those called out in the CMS comparison:

• Broome County: 26 leaving, 7 changing
• Genesee County: 22 leaving, 12 changing
• Erie County: 21 leaving, 15 changing
• Queens County: 21 leaving, 13 changing
• Westchester County: 20 leaving, 18 changing
• New York County: 20 leaving, 11 changing
• Kings County: 19 leaving, 13 changing
• Niagara County: 19 leaving, 12 changing

These are counts of plans, not people. One plan leaving a county can affect many enrollees or very few; the county counts simply show where the churn in available options is heaviest.

What to do before December 7

A simple checklist for New York enrollees this fall:

1. Watch the mail in September and October 2026 for your plan's ANOC (if it's continuing) or a non-renewal notice (if it's one of the 63 leaving). 2. Confirm your doctors, hospitals and pharmacies are still in-network for 2027 before you decide to stay or switch. 3. Check your prescriptions against the 2027 formulary your plan will post. 4. Use the AEP: October 15 – December 7, 2026. Changes take effect January 1, 2027. 5. If your plan is non-renewed, remember your SEP runs through the end of February 2027.

Where to get free help

You do not need to pay anyone to compare Medicare Advantage plans. Three unbiased resources:

• Medicare.gov — the official Plan Finder lets you enter your ZIP code and prescriptions to compare 2027 plans available in your county.
• 1-800-MEDICARE — available 24/7.
• New York's State Health Insurance Assistance Program (SHIP) — free one-on-one counseling, in person or by phone, through the Health Insurance Information, Counseling and Assistance Program (HIICAP).