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2027 Medicare Advantage Plans in Westchester County, NY

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In Westchester County, NY, there are 30 Medicare Advantage plans available for 2027. Of these, 12 offer a $0 monthly premium, and about 37% are rated 4 stars or higher based on CMS quality ratings.

At a Glance

Average Monthly Premium
$48.03/mo
Plans with $0 Premium
12
Average MOOP Limit
$9,050 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 37% · 3 Stars: 60% · Below 3: 3%
Average Part D Deductible
$595.83
Total MA/MAPD Enrollment
30,914
Plans with the Highest Enrollment
(as of November 10, 2026)
1. Aetna Medicare Elite (PPO) — 7,568 enrollees
2. AARP Medicare Advantage from UHC NY-0013 (PPO) — 7,506 enrollees
3. AARP Medicare Advantage from UHC NY-34 (HMO-POS) — 1,990 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Westchester County, NY. Or explore all Medicare Options available in Westchester County, NY. To understand how local plans fit into the broader market, visit our New York Medicare Advantage plan directory for statewide plan counts, premiums, out-of-pocket limits, CMS ratings, and enrollment data.

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.

Total PPO Plans
9
Average Monthly Premium
$53.67/mo
Total PPO Enrollment
19,526
$0 Premium PPO Plans
3
Average MOOP
$9,200
Top PPO by Enrollment
Aetna Medicare Elite (PPO) — 7,568 enrollees
PPO Plans Without Drug Coverage
2

PPO Medicare Advantage plan comparison – Westchester County, New York, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Aetna Medicare Eagle Giveback
☆☆☆☆☆
 $0 $9,850 N/A H5521-320-0
Aetna Medicare Elite
☆☆☆☆☆
 $0 $9,850 $700 H5521-120-0
Aetna Medicare Elite Extra
☆☆☆☆☆
 $59 $9,850 $700 H5521-699-0
Aetna Medicare Enhanced
☆☆☆☆☆
 $101 $9,850 $700 H5521-121-0
MVP Medicare Complete Wellness with Part D
☆☆☆☆☆
 $54 $9,850 $700 H9615-023-0
AARP Medicare Advantage from UHC NY-0013
☆☆☆☆☆
 $49 $9,500 $685 H3418-002-0
Healthfirst Signature
☆☆☆☆☆
 $155 $9,850 $700 H9678-002-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $4,950 N/A H5970-016-0
HumanaChoice H5970-029
☆☆☆☆☆
 $65 $9,250 $700 H5970-029-0
What is the total number of PPO plans offered in Westchester?

Westchester County has 9 PPO plans for 2027, with 19,526 enrolled.

How much do PPO plans cost in Westchester?

The typical PPO premium in Westchester is $53.67, and 3 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
10
Average Monthly Premium
$59.70/mo
Total HMO Enrollment
4,917
$0 Premium HMO Plans
3
Average MOOP
$9,850
Top HMO by Enrollment
Healthfirst Increased Benefits Plan (HMO) — 1,924 enrollees
HMO Plans Without Drug Coverage
0

HMO Medicare Advantage plan comparison – Westchester County, New York, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
EmblemHealth VIP Gold
☆☆☆☆☆
 $166 $9,850 $200 H3330-021-3
EmblemHealth VIP Gold Plus
☆☆☆☆☆
 $216 $9,850 $200 H3330-038-0
EmblemHealth VIP Saver
☆☆☆☆☆
 $40 $9,850 $650 H3330-052-0
EmblemHealth VIP Value
☆☆☆☆☆
 $0 $9,850 $650 H3330-050-0
VNS Health EasyCare
☆☆☆☆☆
 $25 $9,850 $650 H5549-012-0
Healthfirst 65 Plus Plan
☆☆☆☆☆
 $0 $9,850 $700 H3359-001-0
Healthfirst Increased Benefits Plan
☆☆☆☆☆
 $17 $9,850 $700 H3359-019-0
VillageCareMAX Medicare Select Advantage Plan
☆☆☆☆☆
 $41 $9,850 $700 H2168-004-0
Aetna Medicare Signature Care
☆☆☆☆☆
 $0 $9,850 $700 H3312-074-0
Healthfirst Signature
☆☆☆☆☆
 $92 $9,850 $550 H1722-002-0
What is the average monthly premium for HMO plans?
HMO plans in Westchester cost $59.70 per month on average.
Which HMO plan is most popular in Westchester?
The most popular HMO plan in Westchester is Healthfirst Increased Benefits Plan (HMO), with 1,924 enrollees.
How many HMO plans in Westchester do not include drug coverage?
There are 0 HMO plans in Westchester 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 11
  • Average Monthly Premium $32.82/mo
  • Total HMO-POS Enrollment 6,471
  • $0 Premium HMO-POS Plans 6
  • Average MOOP $8,200
  • Top HMO-POS by Enrollment AARP Medicare Advantage from UHC NY-34 (HMO-POS) — 1,990 enrollees
  • HMO-POS Plans Without Drug Coverage 4

HMO-POS Medicare Advantage plan comparison – Westchester County, New York, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Anthem Medicare Advantage 2
☆☆☆☆☆
 $29 $6,750 $230 H6988-010-0
Anthem Veteran 2
☆☆☆☆☆
 $0 $6,800 N/A H6988-008-0
AARP Medicare Advantage from UHC NY-34
☆☆☆☆☆
 $39 $8,900 $685 H3379-059-0
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
Aetna Medicare Enhanced
☆☆☆☆☆
 $69 $9,850 $700 H3312-018-0
Anthem Medicare Advantage
☆☆☆☆☆
 $59 $8,000 $200 H8432-009-0
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 total number of HMO-POS plans in Westchester?

There are 11 HMO-POS plans in 2027, covering 6,471 enrollees.

How much do HMO-POS plans cost in Westchester?

The average HMO-POS premium in Westchester is $32.82 per month, with 6 plans offering $0 premiums.

What is the leading HMO-POS plan in Westchester?

AARP Medicare Advantage from UHC NY-34 (HMO-POS) is the top HMO-POS in Westchester, with 1,990 enrollees.

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

4 HMO-POS plans in Westchester do not include prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Westchester County, NY for 2027.

CMS Star Ratings for Medicare Advantage Plans in Westchester County, NY (2027)
Rating Category Number of Plans Percent of Plans
5 Stars 2 7%
4 Stars (includes 5 Stars) 11 37%
3 Stars 18 60%
Below 3 Stars 1 3%
Not Rated 0 0%
Average Rating 3.55

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

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Westchester County, New York, including communities such as Ardsley, Armonk, Bedford, Bedford Hills, Briarcliff Manor, Buchanan, Chappaqua, Croton On Hudson, Dobbs Ferry, Elmsford, Goldens Bridge, Harrison, Hartsdale, Hawthorne, Irvington, Katonah, Larchmont, Mamaroneck, Mohegan Lake, Montrose, Mount Kisco, Mount Vernon, North Salem, Ossining, Peekskill, Cortlandt Manor, Pleasantville, Port Chester, Pound Ridge, Purchase, Rye, Scarsdale, Shrub Oak, Somers, South Salem, Tarrytown, Thornwood, Valhalla, Verplanck, Yorktown Heights, White Plains, West Harrison, Yonkers, Hastings On Hudson, Tuckahoe, Bronxville, Eastchester, New Rochelle, Pelham, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

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 .

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