Medicare Advantage
UnitedHealthcare Medicare Advantage in New York for 2027: 28 Plans, County by County
NEW YORK — For the 2027 plan year, UnitedHealthcare is offering 28 Medicare Advantage plans across New York, according to the CMS Medicare Advantage Landscape Source Files for CY2027. That is one carrier's slice of a statewide market that includes 24 carriers and 224 plans in total. This article is published by an independent Medicare education site; it is not the government, is not affiliated with any government agency, and is not UnitedHealthcare.
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Key takeaways
- UnitedHealthcare lists 28 Medicare Advantage plans statewide for New York in 2027, and all 28 include drug coverage.
- The lineup includes 18 Special Needs Plans: 12 D-SNPs, 4 C-SNPs, and 2 I-SNPs.
- Five of the 28 plans are new for 2027, and one plan from 2026 is not returning.
- The Annual Enrollment Period runs October 15 – December 7, 2026, and the choice you make takes effect January 1, 2027.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
How many UnitedHealthcare Medicare Advantage plans are offered in New York for 2027?
UnitedHealthcare is offering 28 Medicare Advantage plans in New York for 2027, and every one of them includes Part D drug coverage. By plan type, that is 20 HMO-POS plans and 8 PPO plans. Among the 28, there are 18 Special Needs Plans: 12 Dual-Eligible SNPs (D-SNPs) for people with both Medicare and Medicaid, 4 Chronic-Condition SNPs (C-SNPs), and 2 Institutional SNPs (I-SNPs) designed for people living in nursing facilities. For context, CMS lists 24 carriers and 224 Medicare Advantage plans statewide for 2027. The full plan list appears in the table on this page; because availability is set county by county, a plan listed here may not be offered in your county.
Which UnitedHealthcare plans reach the most New York counties in 2027?
In 2027, UnitedHealthcare's widest-reaching plan by county count is AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS), offered in 41 counties. Several D-SNPs also cover large parts of the state: UHC Dual Complete NY-Q001 (HMO-POS D-SNP) is offered in 54 counties under one segment, UHC Dual Complete NY-S001 (PPO D-SNP) in 53 counties under one segment, and UHC Dual Complete NY-YL (HMO-POS D-SNP) — renamed from UHC Dual Complete NY-Y001 — in 47 counties. The Institutional SNPs, UHC Nursing Home Plan NY-F001 (PPO I-SNP) and NY-F002 (PPO I-SNP), are offered in 26 and 12 counties respectively. The remaining AARP-branded HMO-POS and PPO plans and the C-SNPs under the UHC Complete Care name serve smaller groups of counties. The full county reach for each plan is in the table above; being listed statewide does not guarantee the plan is offered where you live.
What UnitedHealthcare plans are new or not returning in New York for 2027?
UnitedHealthcare has 5 plans new for 2027 in New York and 1 plan from 2026 that is not returning. The new entries include UHC Complete Care NY-35 (HMO-POS C-SNP), offered in 7 counties, and several service-area segments of UHC Dual Complete NY-S002 (HMO-POS D-SNP), a D-SNP appearing in a 26-county segment and additional smaller segments. One existing plan has been renamed rather than discontinued: UHC Dual Complete NY-YL (HMO-POS D-SNP) was previously listed as UHC Dual Complete NY-Y001. If you are currently enrolled in a UnitedHealthcare plan, you should receive an Annual Notice of Change from the carrier in the fall of 2026 explaining whether your specific plan is continuing, changing, renamed, or ending for 2027.
How do I check whether a UnitedHealthcare plan is offered in my New York county and covers my doctors and drugs?
To confirm whether a specific UnitedHealthcare plan is offered in your New York county for 2027 and whether it covers your doctors and prescriptions, use the Medicare Plan Finder at medicare.gov or call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, seven days a week. Enter your ZIP code and county, then your prescription list and preferred pharmacy. The Plan Finder will show which of the 28 UnitedHealthcare plans — and which of the other carriers' plans in New York — are available at your address. For doctor and hospital participation, check the plan's provider directory, and for prescription coverage check the plan's formulary; both are published by UnitedHealthcare in the plan's Evidence of Coverage and online plan documents. Because UnitedHealthcare's plans are offered county by county, a plan listed in the statewide table may not appear when you search your ZIP code.
What should New York Medicare beneficiaries do before December 7, 2026?
Before December 7, 2026, New York Medicare beneficiaries should review their 2027 coverage options during the Annual Enrollment Period, which runs October 15 – December 7, 2026. A choice made during that window takes effect January 1, 2027. A practical checklist: read the Annual Notice of Change from your current plan; make a current list of your prescriptions, pharmacies, and doctors; run that list through the Plan Finder at medicare.gov; and compare across carriers, not just within UnitedHealthcare's 28 plans. If you qualify for a Special Needs Plan — for example, because you have both Medicare and Medicaid, live in a nursing facility, or have a qualifying chronic condition — note that SNPs have their own eligibility rules and enrollment windows beyond the general October–December period.
Where can New Yorkers get free help comparing 2027 Medicare plans?
New Yorkers can get free, unbiased help comparing 2027 Medicare plans directly from Medicare at medicare.gov or by calling 1-800-MEDICARE (1-800-633-4227), 24 hours a day, seven days a week, including TTY service at 1-877-486-2048. The Plan Finder at medicare.gov lets you compare every Medicare Advantage plan available at your address — all of UnitedHealthcare's 28 plans where offered, plus plans from the other 23 carriers active in New York for 2027 — side by side using your own prescription list. For questions about Original Medicare eligibility and enrollment timing, the Social Security Administration handles Part A and Part B sign-up.
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.
2027 plan lineup
UnitedHealthcare Medicare Advantage plans in New York for 2027
CMS lists 28 UnitedHealthcare Medicare Advantage plans across New York for 2027, alphabetically by carrier, widest county reach first. 23 other carriers also offer plans there.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| UnitedHealthcare 28 plans | |||
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 54 |
| UHC Dual Complete NY-S001 (PPO D-SNP) | PPO D-SNP | Yes | 53 |
| UHC Dual Complete NY-YL (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 47 |
| AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) | HMO-POS | Yes | 41 |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 26 |
| UHC Nursing Home Plan NY-F001 (PPO I-SNP) | PPO I-SNP | Yes | 26 |
| UHC Dual Complete NY-S4 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 14 |
| AARP Medicare Advantage from UHC NY-0006 (HMO-POS) | HMO-POS | Yes | 12 |
| UHC Complete Care NY-31 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 12 |
| UHC Nursing Home Plan NY-F002 (PPO I-SNP) | PPO I-SNP | Yes | 12 |
| AARP Medicare Advantage from UHC NY-0015 (PPO) | PPO | Yes | 9 |
| AARP Medicare Advantage from UHC NY-29 (HMO-POS) | HMO-POS | Yes | 9 |
| UHC Complete Care NY-33 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 9 |
| AARP Medicare Advantage from UHC NY-0007 (HMO-POS) | HMO-POS | Yes | 8 |
| AARP Medicare Advantage from UHC NY-0019 (PPO) | PPO | Yes | 8 |
| UHC Complete Care NY-30 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 8 |
| AARP Medicare Advantage from UHC NY-0013 (PPO) | PPO | Yes | 7 |
| AARP Medicare Advantage from UHC NY-34 (HMO-POS) | HMO-POS | Yes | 7 |
| UHC Complete Care NY-35 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 7 |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 7 |
| UHC Dual Complete NY-S001 (PPO D-SNP) | PPO D-SNP | Yes | 7 |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 6 |
| AARP Medicare Advantage from UHC NY-0005 (HMO-POS) | HMO-POS | Yes | 5 |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 4 |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 4 |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 4 |
| AARP Medicare Advantage from UHC NY-0012 (PPO) | PPO | Yes | 3 |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 3 |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. 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 across New York 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. Plans are offered county by county; a plan listed for the state may not be offered in your county. 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.
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Frequently asked questions
How many UnitedHealthcare Medicare Advantage plans are offered in New York for 2027?
Does a plan listed statewide mean it is offered in my county?
What are the key dates for 2027 Medicare Advantage coverage?
What happens if my current UnitedHealthcare plan is not returning for 2027?
- 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.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- CMS, Medicare Advantage and Part D Landscape Source Files
Figures cited in this article
- CMS — MA Landscape Source File (CY2027): the statewide UnitedHealthcare plan count, plan types, SNP breakdown, drug-coverage count, and county reach for each plan in New York.
- CMS — MA Landscape Source Files, CY2026 and CY2027: the year-over-year comparison showing 5 plans new for 2027 and 1 plan not returning, plus the renaming of NY-Y001 to NY-YL.
- Medicare.gov — Medicare enrollment periods: the Annual Enrollment Period dates (October 15 – December 7, 2026) and the January 1, 2027 effective date.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.