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2026 Medicare Advantage Plans in Los Alamos County, NM

Last update: .

Los Alamos County, NM has 18 Medicare Advantage plans available in 2026. These include 14 plans with no monthly premium, and roughly 25% are rated at least 4 stars based on CMS data.

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Los Alamos County, NM. Or explore all Medicare Options available in Los Alamos County, NM.

At a Glance

Average Monthly Premium: $10.78/mo
$0 Premium Plans: 14
Average MOOP: $5,789 ($9,250 max. in 2026)
Star Ratings (Plan Mix): 4+ Stars: 25% · 3 Stars: 69% · Below 3: 6%
Average Part D Deductible: $465.00
Total MA/MAPD Enrollment: 329
Plans with the Highest Enrollment
(as of September 8, 2026)
1. AARP Medicare Advantage from UHC NM-0005 (PPO) — 54 enrollees
2. Blue Cross Medicare Advantage Select (HMO) — 52 enrollees
3. Humana Essentials Plus Giveback H5216-435 (PPO) — 39 enrollees

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 $14.92/mo
  • Total PPO Enrollment 263
  • $0 Premium PPO Plans 9
  • Average MOOP $6,138
  • Top PPO by Enrollment AARP Medicare Advantage from UHC NM-0005 (PPO) — 54 enrollees
  • PPO Plans Without Drug Coverage 3

Comparison table of 2026 PPO Medicare Advantage Plans available in Los Alamos County, New Mexico
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC NM-0002
☆☆☆☆☆
 $31 $4,900 $520 H2406-055-0
AARP Medicare Advantage from UHC NM-0005
☆☆☆☆☆
 $0 $5,900 $600 H2406-090-0
AARP Medicare Advantage Giveback from UHC NM-8
☆☆☆☆☆
 $0 $6,700 $600 H2406-097-0
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
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 Access
☆☆☆☆☆
 $135 $4,200 $615 H1666-021-0
Blue Cross Medicare Advantage Choice Premier
☆☆☆☆☆
 $0 $5,100 $450 H1666-012-0
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
What is the most popular PPO plan in Los Alamos?

AARP Medicare Advantage from UHC NM-0005 (PPO) is the top PPO in Los Alamos, with 54 enrollees.

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

There are 3 PPO plans in Los Alamos 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
5
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
66
$0 Premium HMO Plans
5
Average MOOP
$4,880
Top HMO by Enrollment
Blue Cross Medicare Advantage Select (HMO) — 52 enrollees
HMO Plans Without Drug Coverage
1

Comparison table of 2026 HMO Medicare Advantage Plans available in Los Alamos County, New Mexico
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
CHRISTUS Health Medicare Guardian
☆☆☆☆☆
 $0 $4,900 N/A H1189-007-0
CHRISTUS Health Medicare Plus
☆☆☆☆☆
 $0 $4,200 $250 H1189-002-0
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

What is the typical premium for HMO plans in Los Alamos?

HMO plans in Los Alamos cost $0.00 per month on average.

Which HMO plan do most beneficiaries choose in Los Alamos?

The most popular HMO plan in Los Alamos is Blue Cross Medicare Advantage Select (HMO), with 52 enrollees.

How many HMO options are offered without prescription drug coverage in Los Alamos?

There are 1 HMO plans in Los Alamos without prescription drug coverage.

Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Los Alamos County, NM for 2026.

CMS Star Ratings for Medicare Advantage Plans in Los Alamos County, NM (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 4 25%
3 Stars 11 69%
Below 3 Stars 1 6%
Not Rated 2 11%
Average Rating 3.44

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

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 .

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Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .