Medicare Advantage

New Rochelle, NY Medicare Advantage tally 2027

People in New Rochelle can choose from 65 Medicare Advantage plans for 2027, against 77 this year. 20 of this year’s plans are gone, 8 are new to Westchester County, and 21 that continue have changed their premium, deductible, plan type or name, 3 of them under a new name.

A snapshot of Medicare Advantage plan and carrier counts around New Rochelle, NY for 2027 based on CMS Landscape data.

NEW ROCHELLE, N.Y. — If you live here and you're sorting through Medicare for 2027, it helps to see how plan availability looks across our corner of the metro. New Rochelle sits in Westchester County, and Medicare plan choices are set at the county level — which means your options here look different from what a friend in the Bronx or up in Putnam might see. This isn't about picking a "winner." It's about understanding how wide the field is near you before you start comparing.

Why the county line matters

Medicare Advantage and Part D plans are approved and priced by service area, and in New York those service areas are drawn by county. That's why a New Rochelle resident and a neighbor across a county line can end up with different menus of plans. When you use the Plan Finder at medicare.gov, entering your ZIP code pulls up the plans available in your specific county — not the metro as a whole.

For New Rochelle, that means Westchester County's numbers are the ones that apply to you.

What availability looks like in Westchester County

According to CMS Medicare Advantage and Part D Landscape data for 2027:

• 77 Medicare Advantage plans are available in Westchester County.
• 16 carriers offer Medicare Advantage prescription drug (MA-PD) plans in the area.
• There are more than 181,000 residents age 65 and older in the county.

These are area-wide counts. They don't tell you which plan fits your doctors, your prescriptions, or your budget — that part still takes a side-by-side comparison. But they do tell you the field is wide, and that a careful look is worth your time.

How nearby areas can look different

Because availability is county-based, someone shopping in the Bronx, Nassau, Rockland, Putnam, or Fairfield County (Conn.) will see their own list of plans and carriers. The number of Medicare Advantage plans and the mix of companies offering coverage varies from county to county across the metro. If you're moving, splitting time between homes, or helping a parent in a different county, don't assume their choices match yours.

The safest move: check each county separately on medicare.gov.

Program-level facts to know for 2027

A few things apply no matter which county you're in:

• Part D out-of-pocket cap: $2,400 for 2027 (it was $2,100 in 2026). Once your out-of-pocket drug costs reach that amount, you pay nothing for covered drugs the rest of the year.
• Part D deductible: Plans can charge up to $615 in 2026 ($700 in 2027).
• The coverage gap ("donut hole") was eliminated in 2025. Part D now has three phases instead of four.
• Medicare Prescription Payment Plan: An optional program that lets you spread your drug costs across monthly payments instead of paying at the pharmacy counter.
• IRMAA: Higher-income surcharges on Part B and Part D start above $109,000 in income for a single filer in 2026.

How to decide with confidence

Start with what you use — not with the plan count. Make a short list:

1. Your doctors and preferred hospitals. 2. Your prescriptions, with doses. 3. Your pharmacy. 4. What matters most to you (predictable costs, travel flexibility, dental or vision, and so on).

Then run that list through medicare.gov's Plan Finder using your New Rochelle ZIP code. It will show you the Westchester County plans and let you compare them on the details that matter to your situation. If Star Ratings come up, they're a general quality measure — useful context, but not a substitute for checking that your own doctors and drugs are covered.

Finally, mark the calendar. The Annual Enrollment Period runs October 15 through December 7 for changes that take effect January 1. If you're already in a Medicare Advantage plan and want to switch, the Medicare Advantage Open Enrollment Period runs January 1 through March 31.