2026 Medicare Advantage Plans in Oswego County, NY
Last update: . Enrollment data updated: June 13, 2026
In Oswego County, NY, there are 25 Medicare Advantage plans available for 2026. Of these, 14 offer a $0 monthly premium, and about 16% 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 Oswego County, NY. Or explore all Medicare Options available in Oswego 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.
| 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 Enhanced | $56 | $9,250 | $615 | H5521-520-0 | |
| Medicare BlueActive | $0 | $8,900 | $615 | H3335-055-0 | |
| Medicare BlueClassic | $53 | $8,500 | $300 | H3335-038-0 | |
| Medicare BlueEnhanced | $101 | $7,500 | $275 | H3335-015-0 | |
| Medicare BlueEssential | $0 | $8,900 | $615 | H3335-053-0 | |
| Medicare BlueSalute | $0 | $4,500 | N/A | H3335-043-0 | |
| MVP Medicare Complete Wellness with Part D | $15 | $9,250 | $615 | H9615-024-0 | |
| 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 Oswego?
Oswego County has 14 PPO plans for 2026, with 6,580 enrolled.
How much do PPO plans cost in Oswego?
The typical PPO premium in Oswego is $22.60, and 8 plans have no monthly premium.
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 7
- Average Monthly Premium $26.07/mo
- Total HMO-POS Enrollment 3,640
- $0 Premium HMO-POS Plans 4
- Average MOOP $7,936
- Top HMO-POS by Enrollment AARP Medicare Advantage from UHC NY-0006 (HMO-POS) — 3,015 enrollees
- HMO-POS Plans Without Drug Coverage 3
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| MVP Medicare Preferred Gold without Part D | $0 | $7,200 | N/A | H3305-020-0 | |
| MVP Medicare Secure Plus with Part D | $116 | $6,000 | $400 | H3305-022-0 | |
| AARP Medicare Advantage from UHC NY-0006 | $34 | $7,900 | $520 | H3379-039-0 | |
| AARP Medicare Advantage Patriot No Rx NY-MA3 | $0 | $6,700 | N/A | H3379-060-0 | |
| 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 |
What is the total number of HMO-POS plans in Oswego?
There are 7 HMO-POS plans in 2026, covering 3,640 enrollees.
How much do HMO-POS plans cost in Oswego?
The average HMO-POS premium in Oswego is $26.07 per month, with 4 plans offering $0 premiums.
What is the leading HMO-POS plan in Oswego?
AARP Medicare Advantage from UHC NY-0006 (HMO-POS) is the top HMO-POS in Oswego, with 3,015 enrollees.
What is the number of HMO-POS plans without Part D coverage in Oswego?
3 HMO-POS plans in Oswego 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
- 140
- $0 Premium PFFS Plans
- 2
- Average MOOP
- $4,450
- Top PFFS by Enrollment
- Wellcare Advantage Simple (PFFS) — 71 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 | |
| Wellcare Premium Enhanced | $50 | $3,400 | $615 | H2816-019-0 | |
| Wellcare Premium Ultra | $127 | $3,400 | $615 | H2816-013-0 |
What is the average monthly premium for PFFS plans?
PFFS plans in Oswego cost $44.25 per month on average.
Which PFFS plan is most popular in Oswego?
The most popular PFFS plan in Oswego is Wellcare Advantage Simple (PFFS), with 71 enrollees.
How many PFFS plans in Oswego do not include drug coverage?
There are 2 PFFS plans in Oswego without prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Oswego County, NY for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 4 | 16% |
| 3 Stars | 21 | 84% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.44 | |
* 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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