2026 Medicare Advantage Plans in Niagara County, NY
Last update: . Enrollment data updated: June 13, 2026
In Niagara County, NY, there are 44 Medicare Advantage plans available for 2026. Of these, 24 offer a $0 monthly premium, and about 55% 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 Niagara County, NY. Or explore all Medicare Options available in Niagara County, NY.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to use both in-network and out-of-network providers. Out-of-network care typically costs more, but PPOs offer greater flexibility in how care is accessed.
What is the total number of PPO plans offered in Niagara?
Niagara County has 16 PPO plans for 2026, with 6,059 enrolled.
How much do PPO plans cost in Niagara?
The typical PPO premium in Niagara is $60.55, and 7 plans have no monthly premium.
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
- 12,456
- $0 Premium HMO Plans
- 6
- Average MOOP
- $7,663
- Top HMO by Enrollment
- Univera SeniorChoice Basic (HMO) — 3,830 enrollees
- HMO Plans Without Drug Coverage
- 2
| 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 Niagara cost $41.33 per month on average.
- Which HMO plan is most popular in Niagara?
- The most popular HMO plan in Niagara is Univera SeniorChoice Basic (HMO), with 3,830 enrollees.
- How many HMO plans in Niagara do not include drug coverage?
- There are 2 HMO plans in Niagara without prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans combine HMO network requirements 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 6,471
- $0 Premium HMO-POS Plans 9
- Average MOOP $7,439
- Top HMO-POS by Enrollment AARP Medicare Advantage from UHC NY-0007 (HMO-POS) — 3,415 enrollees
- HMO-POS Plans Without Drug Coverage 5
| 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 total number of HMO-POS plans in Niagara?
There are 14 HMO-POS plans in 2026, covering 6,471 enrollees.
How much do HMO-POS plans cost in Niagara?
The average HMO-POS premium in Niagara is $33.24 per month, with 9 plans offering $0 premiums.
What is the leading HMO-POS plan in Niagara?
AARP Medicare Advantage from UHC NY-0007 (HMO-POS) is the top HMO-POS in Niagara, with 3,415 enrollees.
What is the number of HMO-POS plans without Part D coverage in Niagara?
5 HMO-POS plans in Niagara 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
- 2
- Average Monthly Premium
- $0.00/mo
- Total PFFS Enrollment
- 0
- $0 Premium PFFS Plans
- 2
- Average MOOP
- $5,500
- Top PFFS by Enrollment
- — 0 enrollees
- PFFS Plans Without Drug Coverage
- 2
| 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 |
What is the average monthly premium for PFFS plans?
PFFS plans in Niagara cost $0.00 per month on average.
Which PFFS plan is most popular in Niagara?
The most popular PFFS plan in Niagara is , with 0 enrollees.
How many PFFS plans in Niagara do not include drug coverage?
There are 2 PFFS plans in Niagara without prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Niagara County, NY for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | 4 | 9% |
| 4 Stars (includes 5 Stars) | 24 | 55% |
| 3 Stars | 20 | 45% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.81 | |
* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed June 13, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed June 13, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed June 13, 2026
This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.
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
- AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 25 May, 2025
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Data provenance documentation is maintained in alignment 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.