Medicare Advantage
UnitedHealthcare's 2027 Medicare Advantage lineup in New York City: one new plan, one renamed, one gone
New York City — fall 2026. As the October 15 – December 7, 2026 Annual Enrollment Period runs, UnitedHealthcare has filed eight Medicare Advantage plans for 2027 in New York County, the county that covers Manhattan. One of those plans is new, one is renamed from its 2026 label, and one plan the carrier offered this year will not return in 2027. If you are enrolled in a UnitedHealthcare plan now, the specifics of what is changing for your plan are in the Annual Notice of Change (ANOC) that was mailed to you in September.
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Key takeaways
- UnitedHealthcare has 8 Medicare Advantage plans filed in New York County for 2027: 5 HMO-POS and 3 PPO, all with drug coverage.
- Five of the eight are Special Needs Plans — 4 Dual-eligible (D-SNP) and 1 Institutional (I-SNP) — designed for specific situations, not for the general Medicare population.
- For 2027, 1 UnitedHealthcare plan is new, 1 is renamed, and 1 plan it offered in 2026 is not returning; the ANOC your plan mailed in September spells out what changed.
- The deadline to switch, join, or drop a Medicare Advantage plan for January 1, 2027 coverage is December 7, 2026 — doing nothing means your current plan renews if it is still offered.
MyMedicarePlans.org is an independent consumer site and is not UnitedHealthcare, Medicare, or any government agency. We publish this snapshot so you can see the full carrier lineup at a glance, then compare it against your own doctors and prescriptions on the Medicare Plan Finder before December 7.
What UnitedHealthcare is offering in New York County for 2027
New York City is in New York County, where Medicare Advantage availability is set at the county level. For 2027, UnitedHealthcare has filed 8 Medicare Advantage plans here. By type, that is 5 HMO-POS plans and 3 PPO plans. All 8 include Part D prescription drug coverage.
The table on this page lists every one of those 8 plans by name and type. In alphabetical order by plan name, they are: AARP Medicare Advantage from UHC NY-0005 (HMO-POS); AARP Medicare Advantage from UHC NY-0012 (PPO); AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS); UHC Dual Complete NY-Q001 (HMO-POS D-SNP); UHC Dual Complete NY-S001 (PPO D-SNP); UHC Dual Complete NY-S002 (HMO-POS D-SNP); UHC Dual Complete NY-YL (HMO-POS D-SNP); and UHC Nursing Home Plan NY-F002 (PPO I-SNP).
UnitedHealthcare is one of 15 carriers offering Medicare Advantage in the county for 2027 — 61 plans in total across all carriers. In other words, this carrier accounts for about one in eight of the Advantage choices available in New York County next year.
Special Needs Plans: not for everyone
Five of UnitedHealthcare's eight local plans are Special Needs Plans (SNPs), and these have enrollment rules the general Medicare Advantage plans do not. Four are Dual-eligible SNPs — the UHC Dual Complete plans — which are built for people who have both Medicare and Medicaid. One, UHC Nursing Home Plan NY-F002, is an Institutional SNP for people who live in (or are expected to live in) a nursing facility for 90 days or more.
If you do not qualify for a SNP, those five plans are not options for you, which effectively leaves the three general-enrollment Advantage plans listed above. Medicare.gov will filter SNPs out of your results automatically when you enter your information.
What is new, what is renamed, what is gone
Three things changed in UnitedHealthcare's local roster between 2026 and 2027:
- New for 2027: UHC Dual Complete NY-S002 (HMO-POS D-SNP) joins the lineup.
- Renamed: UHC Dual Complete NY-YL (HMO-POS D-SNP) is the plan previously filed as UHC Dual Complete NY-Y001. The name is new; whether anything else about it changed is spelled out in that plan's ANOC.
- Not returning: One UnitedHealthcare plan offered in New York County in 2026 is not on the 2027 list. If you are enrolled in a plan being discontinued, your carrier is required to notify you in writing and you qualify for a Special Enrollment Period to pick a new plan.
For any plan that is renewing, the ANOC is the document to read. It details changes to the monthly premium, drug deductible, drug tiers, provider network, extra benefits, and more, line by line, compared to your 2026 plan.
How to check a plan against your doctors and prescriptions before December 7
Plan names and types only tell you so much. Before you enroll in — or stay in — any plan, the two checks that matter most are whether your doctors are in network and whether your prescriptions are on the formulary at a cost you can live with.
Here is a straightforward way to do both:
1. Go to medicare.gov/plan-compare, enter your ZIP code, and log in (or create an account) so your current drugs and pharmacies carry over. 2. Enter the exact names and doses of every prescription you take, and the pharmacies you actually use. 3. Filter by plan type if you want (HMO-POS or PPO, SNP or non-SNP), and open the plans you are considering one by one. 4. For each plan, check the "Doctors & Hospitals" section — or call the plan directly — to confirm each of your providers is in network for that specific plan, not just for the carrier generally. Networks differ plan by plan. 5. Review the plan's drug cost estimate for the full year, including any deductible phase.
If you would rather talk to a person, call 1-800-MEDICARE (1-800-633-4227), which operates 24/7. You can also read any plan's full Evidence of Coverage and provider directory on the carrier's own website.
A few 2027 program figures to keep in mind
These apply to Part D drug coverage, which is built into all 8 of UnitedHealthcare's local Advantage plans:
- The Part D out-of-pocket cap rises to $2,400 in 2027 (it is $2,100 in 2026).
- The Part D maximum deductible rises to $700 in 2027 (it is $615 in 2026). Individual plans may set a lower deductible.
- The coverage gap (the old "donut hole") has been gone since 2025; Part D now has three phases.
- The optional Medicare Prescription Payment Plan lets you spread your drug out-of-pocket costs over the calendar year in monthly bills instead of paying at the pharmacy counter.
The 2027 standard Part B premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet. CMS typically publishes them in the fall, usually in November — we will update our coverage as soon as the official figures are released.
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.
By the numbers
How people get Medicare in New York County
(MA penetration in New York County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
2027 plan lineup
UnitedHealthcare Medicare Advantage plans in New York County for 2027
CMS lists 8 UnitedHealthcare Medicare Advantage plans in New York County for 2027, alphabetically by carrier. 14 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| UnitedHealthcare 8 plans | |||
| AARP Medicare Advantage from UHC NY-0005 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC NY-0012 (PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) | HMO-POS | Yes | Returning |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Returning |
| UHC Dual Complete NY-S001 (PPO D-SNP) | PPO D-SNP | Yes | Returning |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | New |
| UHC Dual Complete NY-YL (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Renamed |
| UHC Nursing Home Plan NY-F002 (PPO I-SNP) | PPO I-SNP | Yes | Returning |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. 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 in New York County 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. Plan availability is set at the county level. 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.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
What happens if I do nothing by December 7?
I have UnitedHealthcare now and my plan was renamed. Do I need to re-enroll?
Can I switch plans after December 7?
Are the UHC Dual Complete plans open to anyone?
- 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.
Also for New York City
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This page was last updated: October 2026.