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  1. 🏠
  2. Medicare Advantage Plans
  3. New Mexico
  4. Bernalillo County

2026 Medicare Advantage Plans in Bernalillo County, NM

Last update: September 2, 2026.

For 2026, Bernalillo County, NM includes 34 Medicare Advantage plans. Enrollment across these plans totals approximately 53,115, with 25 $0 premium options and 27% rated 4 stars or higher.

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Bernalillo County, NM are summarized separately. Visit Medicare Options in Bernalillo County, NM to see more options.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

  • Average Monthly Premium: $12.26/mo
  • $0 Premium Plans: 25
  • Average MOOP: $5,291 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 27% · 3 Stars: 70% · Below 3: 3%
  • Average Part D Deductible: $363.97
  • Total MA/MAPD Enrollment: 53,115
  • Plans with the Highest Enrollment
    (as of September 8, 2026)
    1. Presbyterian Senior Care Plan 2 with Rx (HMO) — 15,923 enrollees
    2. Humana Gold Plus H0028-019 (HMO) — 8,441 enrollees
    3. Blue Cross Medicare Advantage Select (HMO) — 5,821 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.

Total PPO Plans
18
Average Monthly Premium
$15.72/mo
Total PPO Enrollment
14,387
$0 Premium PPO Plans
11
Average MOOP
$5,959
Top PPO by Enrollment
AARP Medicare Advantage from UHC NM-0004 (PPO) — 3,150 enrollees
PPO Plans Without Drug Coverage
3

2026 PPO Medicare Advantage plans in Bernalillo County, New Mexico (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Humana Full Access H7617-069
☆☆☆☆☆
$64 $3,400 $615 H7617-069-0
HumanaChoice H7617-068
☆☆☆☆☆
$9 $4,900 $200 H7617-068-0
AARP Medicare Advantage from UHC NM-0001
☆☆☆☆☆
$33 $4,900 $520 H2406-054-0
AARP Medicare Advantage from UHC NM-0004
☆☆☆☆☆
$0 $5,900 $600 H2406-089-0
AARP Medicare Advantage Giveback from UHC NM-7
☆☆☆☆☆
$0 $6,700 $600 H2406-096-0
AARP Medicare Advantage Patriot No Rx NM-MA01
☆☆☆☆☆
$0 $6,700 N/A H2406-080-0
Humana Essentials Plus Giveback H5216-435
☆☆☆☆☆
$0 $7,850 $0 H5216-435-3
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,200 N/A H5216-436-3
Humana Value Choice H5216-078
☆☆☆☆☆
$0 $5,000 $615 H5216-078-6
HumanaChoice H5216-196
☆☆☆☆☆
$19 $7,200 $615 H5216-196-2
HumanaChoice H5216-223
☆☆☆☆☆
$9 $4,900 $200 H5216-223-0
HumanaChoice H5216-437
☆☆☆☆☆
$0 $4,150 N/A H5216-437-2
Blue Cross Medicare Advantage Balance
☆☆☆☆☆
$59 $6,750 $450 H1666-019-0
Blue Cross Medicare Advantage Choice Premier
☆☆☆☆☆
$0 $5,100 $450 H1666-012-0
Blue Cross Medicare Advantage Classic
☆☆☆☆☆
$0 $7,355 $615 H8634-010-0
Blue Cross Medicare Advantage Dental Premier
☆☆☆☆☆
$0 $9,250 $615 H1666-016-0
Blue Cross Medicare Advantage Health Choice
☆☆☆☆☆
$0 $6,750 $615 H1666-014-0
Blue Cross Medicare Advantage Optimum
☆☆☆☆☆
$90 $4,250 $300 H1666-020-0
What is the average monthly premium for PPO plans in Bernalillo?
PPO plans in Bernalillo cost $15.72 per month on average.
Which PPO plan has the highest enrollment in Bernalillo?
The most popular PPO plan in Bernalillo is AARP Medicare Advantage from UHC NM-0004 (PPO), with 3,150 enrollees.
How many PPO plans in Bernalillo do not include prescription drug coverage?
3 PPO plans in Bernalillo do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans are built around a defined network of doctors and hospitals. Care is generally covered only within the network, except in emergencies, but this structure often results in lower premiums and out-of-pocket costs.

Total HMO Plans
15
Average Monthly Premium
$8.93/mo
Total HMO Enrollment
37,346
$0 Premium HMO Plans
13
Average MOOP
$4,450
Top HMO by Enrollment
Presbyterian Senior Care Plan 2 with Rx (HMO) — 15,923 enrollees
HMO Plans Without Drug Coverage
2

2026 HMO Medicare Advantage plans in Bernalillo County, New Mexico (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Humana Total Complete H4461-064
☆☆☆☆☆
$0 $3,800 $0 H4461-064-0
CHRISTUS Health Medicare Guardian
☆☆☆☆☆
$0 $4,900 N/A H1189-007-0
CHRISTUS Health Medicare Plus
☆☆☆☆☆
$0 $4,200 $250 H1189-002-0
Humana Gold Plus H0028-019
☆☆☆☆☆
$0 $3,800 $0 H0028-019-0
Blue Cross Medicare Advantage Basic
☆☆☆☆☆
$20 $4,200 $450 H3822-002-0
HealthSpring Preferred
☆☆☆☆☆
$0 $4,201 $200 H0672-005-0
Presbyterian Senior Care Extra Health Plan with Rx
☆☆☆☆☆
$0 $6,000 $615 H3204-017-0
Presbyterian Senior Care Plan 1
☆☆☆☆☆
$0 $4,250 N/A H3204-008-0
Presbyterian Senior Care Plan 2 with Rx
☆☆☆☆☆
$0 $6,000 $0 H3204-001-0
Presbyterian Senior Care Plan 3 with Rx
☆☆☆☆☆
$114 $4,000 $0 H3204-007-0
Blue Cross Medicare Advantage Select
☆☆☆☆☆
$0 $4,200 $450 H3251-002-0
DEVOTED CORE 001 NM
☆☆☆☆☆
$0 $4,100 $375 H9977-001-0
DEVOTED GIVEBACK 002 NM
☆☆☆☆☆
$0 $7,000 $605 H9977-002-0
SCAN Classic
☆☆☆☆☆
$0 $2,800 $0 H5244-001-0
SCAN MyChoice
☆☆☆☆☆
$0 $3,300 $0 H5244-005-0
What is the total number of HMO plans offered in Bernalillo?

There are 15 HMO plans in 2026, covering 37,346 enrollees.

How much do HMO plans cost in Bernalillo?

The average HMO premium in Bernalillo is $8.93 per month, with 13 plans offering $0 premiums.

What is the top HMO by enrollment in Bernalillo?

Presbyterian Senior Care Plan 2 with Rx (HMO) is the top HMO in Bernalillo, with 15,923 enrollees.

What is the number of HMO plans without Part D coverage in Bernalillo?

2 HMO plans in Bernalillo do not include prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.

Total HMO-POS Plans
1
Average Monthly Premium
$0.00/mo
Total HMO-POS Enrollment
1,382
$0 Premium HMO-POS Plans
1
Average MOOP
$5,900
Top HMO-POS by Enrollment
AARP Medicare Advantage from UHC NM-0009 (HMO-POS) — 1,382 enrollees
HMO-POS Plans Without Drug Coverage
0

2026 HMO-POS Medicare Advantage plans in Bernalillo County, New Mexico (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
AARP Medicare Advantage from UHC NM-0009
☆☆☆☆☆
$0 $5,900 $600 H4604-027-0

What is the average monthly premium for HMO-POS plans?

HMO-POS plans in Bernalillo cost $0.00 per month on average.

Which HMO-POS plan is most popular in Bernalillo?

The most popular HMO-POS plan in Bernalillo is AARP Medicare Advantage from UHC NM-0009 (HMO-POS), with 1,382 enrollees.

How many HMO-POS plans in Bernalillo do not include drug coverage?

There are 0 HMO-POS plans in Bernalillo without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Bernalillo County, NM (2026) are summarized below.

Medicare Advantage Plan Ratings in Bernalillo County, NM (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 8 27%
3 Stars 21 70%
Below 3 Stars 1 3%
Not Rated 4 12%
Average Rating 3.43

* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202608
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-08

All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.

Data sources and methodology documentation .

  • Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
  • NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025

MedicarePlans.com is an independent informational resource and has no affiliation with, or endorsement from, the U.S. Government or the federal Medicare program.

Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard .

Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.

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