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  1. 🏠
  2. Medicare Advantage Plans
  3. New York
  4. Erie County

2026 Medicare Advantage Plans in Erie County, NY

Last update: September 1, 2026.

In Erie County, NY, there are 46 Medicare Advantage plans available for 2026. Of these, 24 offer a $0 monthly premium, and about 52% are rated 4 stars or higher based on CMS quality ratings.

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

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans
  • PFFS Plans

At a Glance

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

Average Monthly Premium
$45.81/mo
Plans with $0 Premium
24
Average MOOP Limit
$7,397 ($9,250 max. in 2026)
Star Ratings (Plan Mix)
4+ Stars: 52% · 3 Stars: 48% · Below 3: 0%
Average Part D Deductible
$517.06
Total MA/MAPD Enrollment
100,383
Plans with the Highest Enrollment
(as of September 8, 2026)
1. Univera SeniorChoice Basic (HMO) — 17,877 enrollees
2. Aetna Medicare Premier (PPO) — 11,466 enrollees
3. Independent Health's Encompass 65 RED 044 (HMO) — 10,197 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 16
  • Average Monthly Premium $60.55/mo
  • Total PPO Enrollment 23,243
  • $0 Premium PPO Plans 7
  • Average MOOP $7,897
  • Top PPO by Enrollment Aetna Medicare Premier (PPO) — 11,466 enrollees
  • PPO Plans Without Drug Coverage 3

Comparison table of 2026 PPO Medicare Advantage Plans available in Erie County, New York
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Aetna Medicare Eagle Giveback
☆☆☆☆☆
$0 $9,250 N/A H5521-323-0
Aetna Medicare Premier
☆☆☆☆☆
$27 $6,900 $500 H5521-381-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $7,900 $615 H5521-215-0
Forever Blue 751
☆☆☆☆☆
$210 $6,700 $615 H5526-004-0
Forever Blue Value
☆☆☆☆☆
$152 $6,700 $615 H5526-016-0
Freedom Valor
☆☆☆☆☆
$0 $6,700 N/A H5526-023-0
Independent Health's Medicare Passport Connect
☆☆☆☆☆
$59 $9,250 $615 H3344-013-0
AARP Medicare Advantage from UHC NY-0019
☆☆☆☆☆
$38 $8,500 $600 H3418-008-0
MVP Medicare WellSelect with Part D
☆☆☆☆☆
$160 $9,250 $615 H9615-021-0
Univera SeniorChoice Core
☆☆☆☆☆
$232 $4,000 $615 H3335-060-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,950 N/A H5970-016-0
HumanaChoice Giveback H5970-030
☆☆☆☆☆
$0 $9,250 $615 H5970-030-0
HumanaChoice H5970-029
☆☆☆☆☆
$32 $9,250 $615 H5970-029-0
Wellcare Assist Open
☆☆☆☆☆
$59 $9,250 $530 H2775-113-0
Wellcare Giveback Open
☆☆☆☆☆
$0 $9,250 $615 H2775-111-0
Wellcare Simple Open
☆☆☆☆☆
$0 $9,250 $615 H2775-106-0
What is the total number of PPO plans offered in Erie?

There are 16 PPO plans in 2026, covering 23,243 beneficiaries.

How much do PPO plans cost in Erie?

The average PPO premium in Erie is $60.55 per month, with 7 plans offering $0 premiums.

What is the most popular PPO plan in Erie?

Aetna Medicare Premier (PPO) is the top PPO in Erie, with 11,466 enrollees.

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

There are 3 PPO plans in Erie 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
12
Average Monthly Premium
$41.33/mo
Total HMO Enrollment
56,625
$0 Premium HMO Plans
6
Average MOOP
$7,663
Top HMO by Enrollment
Univera SeniorChoice Basic (HMO) — 17,877 enrollees
HMO Plans Without Drug Coverage
2

Comparison table of 2026 HMO Medicare Advantage Plans available in Erie County, New York
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Independent Health's Encompass 65
☆☆☆☆☆
$0 $6,750 N/A H3362-016-0
Independent Health's Encompass 65 RED 042
☆☆☆☆☆
$40 $9,250 $250 H3362-042-0
Independent Health's Encompass 65 RED 043
☆☆☆☆☆
$190 $7,000 $50 H3362-043-0
Independent Health's Encompass 65 RED 044
☆☆☆☆☆
$95 $7,500 $150 H3362-044-0
Community Blue Medicare HMO Distinct
☆☆☆☆☆
$49 $6,750 $615 H3384-070-1
Community Blue Medicare HMO Merit
☆☆☆☆☆
$0 $8,300 $615 H3384-071-0
Community Blue Medicare HMO Signature
☆☆☆☆☆
$0 $6,750 $615 H3384-069-1
Senior Blue 601
☆☆☆☆☆
$0 $6,700 N/A H3384-022-0
Senior Blue 651
☆☆☆☆☆
$97 $6,700 $615 H3384-019-0
Univera SeniorChoice Basic
☆☆☆☆☆
$0 $8,500 $615 H3351-017-0
Univera SeniorChoice Extra
☆☆☆☆☆
$0 $8,500 $615 H3351-020-0
VNS Health EasyCare
☆☆☆☆☆
$25 $9,250 $500 H5549-012-0

What is the average monthly premium for HMO plans?

HMO plans in Erie cost $41.33 per month on average.

Which HMO plan is most popular in Erie?

The most popular HMO plan in Erie is Univera SeniorChoice Basic (HMO), with 17,877 enrollees.

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

There are 2 HMO plans in Erie 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
14
Average Monthly Premium
$33.24/mo
Total HMO-POS Enrollment
20,495
$0 Premium HMO-POS Plans
9
Average MOOP
$7,439
Top HMO-POS by Enrollment
AARP Medicare Advantage from UHC NY-0007 (HMO-POS) — 9,058 enrollees
HMO-POS Plans Without Drug Coverage
5

Comparison table of 2026 HMO-POS Medicare Advantage Plans available in Erie County, New York
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
MVP Medicare Preferred Gold with Part D
☆☆☆☆☆
$229 $6,800 $300 H3305-015-0
MVP Medicare Preferred Gold without Part D
☆☆☆☆☆
$0 $7,200 N/A H3305-007-0
Univera Medicare Freedom
☆☆☆☆☆
$0 $4,500 N/A H3351-001-0
Univera SeniorChoice Advanced
☆☆☆☆☆
$51 $7,500 $300 H3351-019-0
Univera SeniorChoice Secure
☆☆☆☆☆
$83 $6,000 $250 H3351-002-0
Univera SeniorChoice Value Plus
☆☆☆☆☆
$70 $6,700 $295 H3351-012-0
AARP Medicare Advantage from UHC NY-0007
☆☆☆☆☆
$0 $8,300 $440 H3379-040-0
AARP Medicare Advantage Patriot No Rx NY-MA3
☆☆☆☆☆
$0 $6,700 N/A H3379-060-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,750 $500 H3312-065-0
Wellcare Fidelis Assist
☆☆☆☆☆
$33 $9,250 $615 H5599-002-0
Wellcare Fidelis Patriot Simple
☆☆☆☆☆
$0 $9,250 N/A H5599-010-0
Wellcare Fidelis Simple
☆☆☆☆☆
$0 $9,250 $615 H5599-004-0
Wellcare Patriot Simple
☆☆☆☆☆
$0 $6,700 N/A H4868-003-0
Wellcare Simple
☆☆☆☆☆
$0 $9,250 $615 H4868-019-0
What is the leading HMO-POS plan in Erie?

AARP Medicare Advantage from UHC NY-0007 (HMO-POS) is the top HMO-POS in Erie, with 9,058 enrollees.

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

5 HMO-POS plans in Erie do not include prescription drug coverage.

Medicare Advantage PFFS Plans

PFFS plans allow members to visit any Medicare-approved provider who accepts the plan’s payment terms. This offers broader choice than network-based plans, but coverage depends on provider participation, so acceptance should be confirmed in advance.

Total PFFS Plans
4
Average Monthly Premium
$44.25/mo
Total PFFS Enrollment
20
$0 Premium PFFS Plans
2
Average MOOP
$4,450
Top PFFS by Enrollment
Wellcare Advantage Simple (PFFS) — 20 enrollees
PFFS Plans Without Drug Coverage
2

Comparison table of 2026 PFFS Medicare Advantage Plans available in Erie County, New York
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Wellcare Advantage Enhanced
☆☆☆☆☆
$0 $4,300 N/A H2816-037-0
Wellcare Advantage Simple
☆☆☆☆☆
$0 $6,700 N/A H2816-038-0
Wellcare Premium Enhanced
☆☆☆☆☆
$50 $3,400 $615 H2816-019-0
Wellcare Premium Ultra
☆☆☆☆☆
$127 $3,400 $615 H2816-013-0

What is the typical premium for PFFS plans in Erie?

PFFS plans in Erie cost $44.25 per month on average.

Which PFFS plan has the most enrollment in Erie?

The most popular PFFS plan in Erie is Wellcare Advantage Simple (PFFS), with 20 enrollees.

How many PFFS options are available without prescription drug coverage in Erie?

There are 2 PFFS plans in Erie without prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Erie County, NY for 2026.

CMS Star Ratings for Medicare Advantage Plans in Erie County, NY (2026)
Rating Category Number of Plans Percent of Plans
5 Stars 4 9%
4 Stars (includes 5 Stars) 24 52%
3 Stars 22 48%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.79

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

  • 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

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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