2026 Medicare Advantage Plans in Westchester County, NY
Last update: . Enrollment data updated: May 2, 2026
In Westchester County, NY, there are 38 Medicare Advantage plans available for 2026. Of these, 18 offer a $0 monthly premium, and about 29% 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 Westchester County, NY. Or explore all Medicare Options available in Westchester County, NY.
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 14
- Average Monthly Premium $24.63/mo
- Total PPO Enrollment 23,444
- $0 Premium PPO Plans 7
- Average MOOP $8,768
- Top PPO by Enrollment AARP Medicare Advantage from UHC NY-0013 (PPO) — 7,741 enrollees
- PPO Plans Without Drug Coverage 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Aetna Medicare Eagle Giveback | $0 | $9,250 | N/A | H5521-320-0 | |
| Aetna Medicare Elite | $0 | $9,250 | $615 | H5521-120-0 | |
| Aetna Medicare Elite Extra | $44 | $9,250 | $615 | H5521-699-0 | |
| Aetna Medicare Enhanced | $91 | $9,250 | $615 | H5521-121-0 | |
| AARP Medicare Advantage from UHC NY-0013 | $49 | $9,250 | $600 | H3418-002-0 | |
| MVP Medicare Complete Wellness with Part D | $15 | $9,250 | $615 | H9615-023-0 | |
| Healthfirst Signature | $55 | $9,250 | $615 | H9678-002-0 | |
| HealthSpring True Choice | $0 | $6,800 | $250 | H7849-150-0 | |
| 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 Westchester?
There are 14 PPO plans in 2026, covering 23,444 beneficiaries.
How much do PPO plans cost in Westchester?
The average PPO premium in Westchester is $24.63 per month, with 7 plans offering $0 premiums.
What is the most popular PPO plan in Westchester?
AARP Medicare Advantage from UHC NY-0013 (PPO) is the top PPO in Westchester, with 7,741 enrollees.
What is the number of PPO plans without Part D coverage in Westchester?
There are 2 PPO plans in Westchester 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
- 8
- Average Monthly Premium
- $75.00/mo
- Total HMO Enrollment
- 6,732
- $0 Premium HMO Plans
- 2
- Average MOOP
- $9,250
- Top HMO by Enrollment
- Anthem Medicare Advantage (HMO) — 1,998 enrollees
- HMO Plans Without Drug Coverage
- 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Healthfirst Increased Benefits Plan | $24 | $9,250 | $615 | H3359-019-0 | |
| EmblemHealth VIP Gold | $175 | $9,250 | $200 | H3330-021-3 | |
| EmblemHealth VIP Gold Plus | $252 | $9,250 | $200 | H3330-038-0 | |
| Anthem Medicare Advantage | $65 | $9,250 | $200 | H8432-009-0 | |
| VillageCareMAX Medicare Select Advantage Plan | $59 | $9,250 | $615 | H2168-004-0 | |
| VNS Health EasyCare | $25 | $9,250 | $500 | H5549-012-0 | |
| Aetna Medicare Signature Care | $0 | $9,250 | $615 | H3312-074-0 | |
| Healthfirst Signature | $0 | $9,250 | $615 | H1722-002-0 |
What is the average monthly premium for HMO plans?
HMO plans in Westchester cost $75.00 per month on average.
Which HMO plan is most popular in Westchester?
The most popular HMO plan in Westchester is Anthem Medicare Advantage (HMO), with 1,998 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 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.
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 1,738 enrollees.
What is the number of HMO-POS plans without Part D coverage in Westchester?
6 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 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | 2 | 5% |
| 4 Stars (includes 5 Stars) | 11 | 29% |
| 3 Stars | 27 | 71% |
| Below 3 Stars | 0 | 0% |
| 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.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 2026
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
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