Medicare Plans

Open Medicare Plan Data.

2027 Medicare Advantage Plans in Albany County, NY

Last update: .

For 2027, Albany County, NY includes 31 Medicare Advantage plans. Enrollment across these plans totals approximately 16,945, with 16 $0 premium options and 18% rated 4 stars or higher.

At a Glance

  • Average Monthly Premium: $45.86/mo
  • $0 Premium Plans: 16
  • Average MOOP: $8,439 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): 4+ Stars: 18% · 3 Stars: 82% · Below 3: 0%
  • Average Part D Deductible: $621.19
  • Total MA/MAPD Enrollment: 16,945
  • Plans with the Highest Enrollment
    (as of October 5, 2026)
    1. CDPHP $0 Medicare Rx (HMO) — 5,691 enrollees
    2. CDPHP Choice Rx (HMO) — 4,809 enrollees
    3. AARP Medicare Advantage from UHC NY-29 (HMO-POS) — 1,381 enrollees

Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Albany County, NY are provided separately. Or you can discover all Medicare Options in Albany County, NY. For a statewide view, browse Medicare Advantage plans in New York to examine available plan types, average premiums, out-of-pocket limits, CMS star ratings, and the most-enrolled plans across the state.

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
10
Average Monthly Premium
$51.40/mo
Total PPO Enrollment
2,150
$0 Premium PPO Plans
6
Average MOOP
$8,970
Top PPO by Enrollment
Aetna Medicare Elite (PPO) — 943 enrollees
PPO Plans Without Drug Coverage
2

2027 PPO Medicare Advantage plans in Albany County, New York (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Aetna Medicare Eagle Giveback
☆☆☆☆☆
 $0 $9,850 N/A H5521-323-0
Aetna Medicare Elite
☆☆☆☆☆
 $0 $9,850 $700 H5521-119-0
Aetna Medicare Enhanced
☆☆☆☆☆
 $149 $9,850 $700 H5521-669-0
MVP Medicare Secure Plus Choice with Part D
☆☆☆☆☆
 $256 $7,500 $500 H9615-025-0
AARP Medicare Advantage from UHC NY-0015
☆☆☆☆☆
 $44 $8,900 $685 H3418-004-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $4,950 N/A H5970-016-0
HumanaChoice H5970-029
☆☆☆☆☆
 $65 $9,250 $700 H5970-029-0
Wellcare Assist Open
☆☆☆☆☆
 $0 $9,850 $700 H2775-113-0
Wellcare Giveback Open
☆☆☆☆☆
 $0 $9,850 $700 H2775-111-0
Wellcare Simple Open
☆☆☆☆☆
 $0 $9,850 $700 H2775-106-0

What is the typical premium for PPO plans available in Albany?

PPO plans in Albany cost $51.40 per month on average.

Which PPO plan do most beneficiaries choose in Albany?

The most popular PPO plan in Albany is Aetna Medicare Elite (PPO), with 943 enrollees.

How many PPO options are offered without drug coverage in Albany?

2 PPO plans in Albany do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.

  • Total HMO Plans 10
  • Average Monthly Premium $49.50/mo
  • Total HMO Enrollment 12,513
  • $0 Premium HMO Plans 5
  • Average MOOP $7,970
  • Top HMO by Enrollment CDPHP $0 Medicare Rx (HMO) — 5,691 enrollees
  • HMO Plans Without Drug Coverage 2

2027 HMO Medicare Advantage plans in Albany County, New York (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Senior Blue 652
☆☆☆☆☆
 $122 $7,150 $700 H3384-013-0
VNS Health EasyCare
☆☆☆☆☆
 $25 $9,850 $650 H5549-012-0
CDPHP $0 Medicare Rx
☆☆☆☆☆
 $0 $9,850 $700 H3388-014-0
CDPHP Choice Rx
☆☆☆☆☆
 $139 $6,400 $250 H3388-002-0
CDPHP Clear Rx
☆☆☆☆☆
 $100 $6,750 $500 H3388-020-0
CDPHP Core
☆☆☆☆☆
 $0 $6,400 N/A H3388-001-0
Aetna Medicare Signature
☆☆☆☆☆
 $109 $9,850 $700 H3312-108-0
Trinity Health Plan New York Cash Back
☆☆☆☆☆
 $0 $9,250 $450 H9827-004-0
Trinity Health Plan New York Glory No RX
☆☆☆☆☆
 $0 $6,300 N/A H9827-003-0
Trinity Health Plan New York No Premium
☆☆☆☆☆
 $0 $7,900 $425 H9827-001-0
What is the total number of HMO plans offered in Albany?

In 2027, Albany County has 10 HMO plans with 12,513 enrollees.

How much do HMO plans cost in Albany?

The typical HMO premium in Albany is $49.50, and 5 plans have no monthly premium.

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
8
Average Monthly Premium
$34.38/mo
Total HMO-POS Enrollment
2,282
$0 Premium HMO-POS Plans
5
Average MOOP
$8,363
Top HMO-POS by Enrollment
AARP Medicare Advantage from UHC NY-29 (HMO-POS) — 1,381 enrollees
HMO-POS Plans Without Drug Coverage
3

2027 HMO-POS Medicare Advantage plans in Albany County, New York (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
AARP Medicare Advantage from UHC NY-29
☆☆☆☆☆
 $39 $7,150 $685 H3379-052-0
AARP Medicare Advantage Patriot No Rx NY-MA3
☆☆☆☆☆
 $0 $7,150 N/A H3379-060-0
MVP Medicare Preferred Gold without Part D
☆☆☆☆☆
 $0 $7,200 N/A H3305-020-0
MVP Medicare Secure Plus with Part D
☆☆☆☆☆
 $165 $6,000 $500 H3305-022-0
MVP Medicare WellValue with Part D
☆☆☆☆☆
 $71 $9,850 $700 H3305-038-0
Wellcare Fidelis Assist
☆☆☆☆☆
 $0 $9,850 $700 H5599-002-0
Wellcare Fidelis Patriot Simple
☆☆☆☆☆
 $0 $9,850 N/A H5599-010-0
Wellcare Fidelis Simple
☆☆☆☆☆
 $0 $9,850 $700 H5599-004-0
What is the average monthly premium for HMO-POS plans?
HMO-POS plans in Albany cost $34.38 per month on average.
Which HMO-POS plan is most popular in Albany?
The most popular HMO-POS plan in Albany is AARP Medicare Advantage from UHC NY-29 (HMO-POS), with 1,381 enrollees.
How many HMO-POS plans in Albany do not include drug coverage?
There are 3 HMO-POS plans in Albany without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Albany County, NY (2027) are summarized below.

Quality Ratings for Medicare Advantage Plans in Albany County, NY (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 5 18%
3 Stars 23 82%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.36

* Star ratings are based on CMS quality measures and reflect plan performance for the 2027 rating period.

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 .

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.

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