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

2027 Medicare Advantage Plans in Bernalillo County, NM

Last update: October 4, 2026.

In Bernalillo County, NM, there are 21 Medicare Advantage plans available for 2027. Of these, 17 offer a $0 monthly premium, and about 89% are rated 4 stars or higher based on CMS quality ratings.

  • 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
$6.38/mo
Plans with $0 Premium
17
Average MOOP Limit
$5,829 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 89% · 3 Stars: 6% · Below 3: 6%
Average Part D Deductible
$535.84
Total MA/MAPD Enrollment
24,079
Plans with the Highest Enrollment
(as of October 5, 2026)
1. Humana Gold Plus H0028-019 (HMO) — 8,374 enrollees
2. AARP Medicare Advantage Essentials from UHC NM-4 (PPO) — 3,172 enrollees
3. AARP Medicare Advantage from UHC NM-0001 (PPO) — 2,491 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Bernalillo County, NM. Or explore all Medicare Options available in Bernalillo County, NM. To understand how local plans fit into the broader market, visit our New Mexico Medicare Advantage plan directory for statewide plan counts, premiums, out-of-pocket limits, CMS ratings, and enrollment data.

Medicare Advantage PPO Plans

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

  • Total PPO Plans 13
  • Average Monthly Premium $10.31/mo
  • Total PPO Enrollment 10,198
  • $0 Premium PPO Plans 9
  • Average MOOP $6,054
  • Top PPO by Enrollment AARP Medicare Advantage Essentials from UHC NM-4 (PPO) — 3,172 enrollees
  • PPO Plans Without Drug Coverage 2

Comparison table of 2027 PPO Medicare Advantage Plans available in Bernalillo County, New Mexico
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Full Access
☆☆☆☆☆
$60 $3,900 $700 H7617-069-0
HumanaChoice H7617-068
☆☆☆☆☆
$20 $4,900 $300 H7617-068-0
AARP Medicare Advantage Direct OTC from UHC NM-14
☆☆☆☆☆
$0 $5,900 $685 H2406-142-0
AARP Medicare Advantage Direct Plus from UHC NM-15
☆☆☆☆☆
$0 $5,900 $595 H2406-143-0
AARP Medicare Advantage Essentials from UHC NM-4
☆☆☆☆☆
$0 $5,900 $580 H2406-089-0
AARP Medicare Advantage Extras from UHC NM-12
☆☆☆☆☆
$0 $7,150 $685 H2406-140-0
AARP Medicare Advantage from UHC NM-0001
☆☆☆☆☆
$34 $5,900 $685 H2406-054-0
AARP Medicare Advantage Giveback from UHC NM-7
☆☆☆☆☆
$0 $7,150 $685 H2406-096-0
AARP Medicare Advantage Patriot No Rx NM-MA01
☆☆☆☆☆
$0 $7,150 N/A H2406-080-0
Humana Essentials Plus Giveback
☆☆☆☆☆
$0 $7,850 $450 H5216-435-3
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,200 N/A H5216-436-3
Humana Value Choice
☆☆☆☆☆
$0 $5,900 $400 H5216-078-6
HumanaChoice H5216-223
☆☆☆☆☆
$20 $4,900 $300 H5216-223-0
What is the total number of PPO plans offered in Bernalillo?

There are 13 PPO plans in 2027, covering 10,198 beneficiaries.

How much do PPO plans cost in Bernalillo?

The average PPO premium in Bernalillo is $10.31 per month, with 9 plans offering $0 premiums.

What is the most popular PPO plan in Bernalillo?

AARP Medicare Advantage Essentials from UHC NM-4 (PPO) is the top PPO in Bernalillo, with 3,172 enrollees.

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

There are 2 PPO plans in Bernalillo without prescription drug coverage.

Medicare Advantage HMO Plans

HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.

Total HMO Plans
6
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
12,082
$0 Premium HMO Plans
6
Average MOOP
$4,975
Top HMO by Enrollment
Humana Gold Plus H0028-019 (HMO) — 8,374 enrollees
HMO Plans Without Drug Coverage
0

Comparison table of 2027 HMO Medicare Advantage Plans available in Bernalillo County, New Mexico
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Plus H0028-019
☆☆☆☆☆
$0 $3,800 $700 H0028-019-0
Humana Total Complete
☆☆☆☆☆
$0 $3,800 $700 H4461-064-0
HealthSpring Preferred
☆☆☆☆☆
$0 $4,300 $500 H0672-005-0
DEVOTED CORE 001 NM
☆☆☆☆☆
$0 $4,100 $650 H9977-001-0
DEVOTED GIVEBACK 002 NM
☆☆☆☆☆
$0 $8,000 $461 H9977-002-0
DEVOTED GIVEBACK EXTRAS 015 NM
☆☆☆☆☆
$0 $5,850 $700 H9977-015-0

What is the average monthly premium for HMO plans?

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

Which HMO plan is most popular in Bernalillo?

The most popular HMO plan in Bernalillo is Humana Gold Plus H0028-019 (HMO), with 8,374 enrollees.

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

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

Medicare Advantage HMO-POS Plans

HMO Point-of-Service (HMO-POS) plans combine HMO network rules with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.

Total HMO-POS Plans
2
Average Monthly Premium
$0.00/mo
Total HMO-POS Enrollment
1,799
$0 Premium HMO-POS Plans
2
Average MOOP
$6,925
Top HMO-POS by Enrollment
AARP Medicare Advantage from UHC NM-0009 (HMO-POS) — 1,427 enrollees
HMO-POS Plans Without Drug Coverage
0

Comparison table of 2027 HMO-POS Medicare Advantage Plans available in Bernalillo County, New Mexico
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC NM-0009
☆☆☆☆☆
$0 $6,700 $205 H4604-027-0
Blue Cross Medicare Advantage Basic
☆☆☆☆☆
$0 $7,150 $200 H3822-002-0
What is the leading HMO-POS plan in Bernalillo?

AARP Medicare Advantage from UHC NM-0009 (HMO-POS) is the top HMO-POS in Bernalillo, with 1,427 enrollees.

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

0 HMO-POS plans in Bernalillo do not include prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Bernalillo County, NM for 2027.

CMS Star Ratings for Medicare Advantage Plans in Bernalillo County, NM (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 16 89%
3 Stars 1 6%
Below 3 Stars 1 6%
Not Rated 3 14%
Average Rating 3.97

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Bernalillo County, New Mexico, including communities such as Cedar Crest, Sandia Park, Tijeras, Albuquerque, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202609
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-09

County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect standard Medicare Advantage (MA/MAPD) plans only and are derived from CMS datasets using a standardized aggregation methodology.

Data sources and methodology documentation .

  • Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
  • Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

This page follows data provenance practices aligned with the 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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