Medicare Advantage

C-SNPs in New York City for 2027: how chronic-condition Medicare plans work

New York County has 61 Medicare Advantage plans for 2027. Compared with 2026, 20 plans are not coming back, 6 are new, and 13 continuing plans changed in some way you should check before December 7, 2 of them under a new name. This guide covers what those numbers mean for New York City, not which plan to pick.

NEW YORK CITY — Fall 2026. If you live with a serious long-term illness, Medicare has a special kind of Advantage plan built around people in your situation. For 2027, New York County — the Manhattan county that covers much of New York City — will have two Chronic Condition Special Needs Plans, known as C-SNPs, available during the Annual Enrollment Period that runs October 15 through December 7, 2026.

C-SNPs are a smaller slice of the Medicare Advantage market, but they can matter a lot for the people who qualify. Here is what is on offer locally for next year, how these plans work, and the enrollment window built specifically for people with a qualifying diagnosis.

What a C-SNP is, in plain language

A Chronic Condition Special Needs Plan is a Medicare Advantage plan (Part C) that only enrolls people who have a specific severe or disabling chronic condition. CMS sets the list of qualifying conditions — examples include diabetes, chronic heart failure, chronic lung disorders, and end-stage renal disease, among others.

Because every member has the same condition, the plan is designed around it. That typically shapes the provider network, the drug list, and the care coordination the plan offers. Every C-SNP includes Part D prescription drug coverage; you do not add a separate Part D plan.

C-SNPs are one of three types of Special Needs Plans. The other two are D-SNPs (for people with both Medicare and Medicaid) and I-SNPs (for people who live in a nursing home or need that level of care). In New York County for 2027, CMS data shows 27 D-SNPs and 6 I-SNPs alongside the 2 C-SNPs.

The C-SNPs available in New York County for 2027

New York City sits across five counties. Plan availability is set at the county level, so the list below applies to New York County specifically. For 2027, both C-SNPs offered here come from the same carrier:

• Aetna (CVS Health) — Aetna Medicare Chronic Care (HMO C-SNP); Aetna Medicare Chronic Care Total (HMO C-SNP), new for 2027.

The table on this page lists every Medicare Advantage plan in the county, including these two. We can only name a specific condition when the plan's own name says so — these plan names do not, so a provider or the plan itself is the right place to confirm which conditions qualify.

We are not allowed to compare premiums, copays, drug lists, networks or star ratings here. For those details, use the Medicare Plan Finder at medicare.gov, call 1-800-MEDICARE, or ask the plan directly for its Evidence of Coverage.

How enrollment actually works

Two things are different about signing up for a C-SNP compared with a regular Medicare Advantage plan.

1. A provider has to confirm your diagnosis. Carriers will ask you (and usually your doctor) to verify in writing that you have the qualifying condition. If verification does not come through within the window CMS allows, you cannot stay in the plan. This is not a hoop meant to trip people up — it is simply what makes a C-SNP a C-SNP.

2. You get your own Special Enrollment Period. Most people can only change Medicare Advantage plans during the Annual Enrollment Period (October 15 – December 7) or the Medicare Advantage Open Enrollment Period (January 1 – March 31). People with a qualifying chronic condition have an additional Special Enrollment Period that lets them join a C-SNP once outside those windows. If you later lose your eligibility — for instance, if your condition no longer meets the plan's definition — you also get an SEP to move to another plan.

What is changing in the local lineup for 2027

Across all 2027 Medicare Advantage plans in New York County, CMS data shows 20 plans not returning, 6 new plans, and 2 renamed. If you are already in a plan, your Annual Notice of Change (ANOC) — the packet that arrived in late September — spells out exactly what is changing in your plan for 2027. If you do nothing and your plan is still being offered, it renews automatically on January 1 with the changes the ANOC describes.

Program-level numbers worth knowing

A few Medicare figures already confirmed by CMS for 2027:

• Part D out-of-pocket cap: $2,400 in 2027 (up from $2,100 in 2026).
• Part D maximum deductible: $700 in 2027 (up from $615 in 2026).
• Part D national base beneficiary premium: $41.33 for 2027. This is a formula input CMS uses — not what any specific plan charges.

The 2027 Part B standard premium and deductible, along with the 2027 IRMAA income brackets, had not been announced as of September 2026. CMS typically publishes those figures later in the fall.