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2026 Medicare Advantage Plans in Westchester County, NY

Last update: .

For 2026, Westchester County, NY includes 38 Medicare Advantage plans. Enrollment across these plans totals approximately 36,361, with 18 $0 premium options and 29% rated 4 stars or higher.

Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Westchester County, NY are provided separately. Or you can discover all Medicare Options in Westchester County, NY.

At a Glance

  • Average Monthly Premium: $34.84/mo
  • $0 Premium Plans: 18
  • Average MOOP: $8,495 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 29% · 3 Stars: 71% · Below 3: 0%
  • Average Part D Deductible: $502.17
  • Total MA/MAPD Enrollment: 36,361
  • Plans with the Highest Enrollment
    (as of September 8, 2026)
    1. AARP Medicare Advantage from UHC NY-0013 (PPO) — 7,546 enrollees
    2. Aetna Medicare Elite (PPO) — 7,528 enrollees
    3. Anthem Medicare Advantage (HMO) — 1,917 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.

Total PPO Plans
14
Average Monthly Premium
$24.63/mo
Total PPO Enrollment
23,463
$0 Premium PPO Plans
7
Average MOOP
$8,768
Top PPO by Enrollment
AARP Medicare Advantage from UHC NY-0013 (PPO) — 7,546 enrollees
PPO Plans Without Drug Coverage
2

2026 PPO Medicare Advantage plans in Westchester County, New York (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. 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 typical premium for PPO plans available in Westchester?

PPO plans in Westchester cost $24.63 per month on average.

Which PPO plan do most beneficiaries choose in Westchester?

The most popular PPO plan in Westchester is AARP Medicare Advantage from UHC NY-0013 (PPO), with 7,546 enrollees.

How many PPO options are offered without drug coverage in Westchester?

2 PPO plans in Westchester do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.

  • Total HMO Plans 8
  • Average Monthly Premium $75.00/mo
  • Total HMO Enrollment 6,773
  • $0 Premium HMO Plans 2
  • Average MOOP $9,250
  • Top HMO by Enrollment Anthem Medicare Advantage (HMO) — 1,917 enrollees
  • HMO Plans Without Drug Coverage 0

2026 HMO Medicare Advantage plans in Westchester County, New York (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. 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 total number of HMO plans offered in Westchester?

In 2026, Westchester County has 8 HMO plans with 6,773 enrollees.

How much do HMO plans cost in Westchester?

The typical HMO premium in Westchester is $75.00, and 2 plans have no monthly premium.

Medicare Advantage HMO-POS Plans

HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.

Total HMO-POS Plans
16
Average Monthly Premium
$23.71/mo
Total HMO-POS Enrollment
6,125
$0 Premium HMO-POS Plans
9
Average MOOP
$7,878
Top HMO-POS by Enrollment
AARP Medicare Advantage from UHC NY-34 (HMO-POS) — 1,911 enrollees
HMO-POS Plans Without Drug Coverage
6

2026 HMO-POS Medicare Advantage plans in Westchester County, New York (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Anthem Medicare Advantage 2
☆☆☆☆☆
 $30 $6,750 $230 H6988-010-0
Anthem Veteran 2
☆☆☆☆☆
 $0 $6,800 N/A H6988-008-0
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-34
☆☆☆☆☆
 $29 $8,500 $600 H3379-059-0
AARP Medicare Advantage Patriot No Rx NY-MA3
☆☆☆☆☆
 $0 $6,700 N/A H3379-060-0
Anthem Medicare Advantage 2
☆☆☆☆☆
 $44 $9,250 $150 H8432-016-0
Anthem Veteran
☆☆☆☆☆
 $0 $6,800 N/A H8432-036-0
Elderplan Extra Help
☆☆☆☆☆
 $59 $7,550 $375 H3347-009-0
Elderplan Flex
☆☆☆☆☆
 $0 $7,550 $375 H3347-016-0
Aetna Medicare Enhanced
☆☆☆☆☆
 $69 $9,250 $615 H3312-018-0
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 average monthly premium for HMO-POS plans?
HMO-POS plans in Westchester cost $23.71 per month on average.
Which HMO-POS plan is most popular in Westchester?
The most popular HMO-POS plan in Westchester is AARP Medicare Advantage from UHC NY-34 (HMO-POS), with 1,911 enrollees.
How many HMO-POS plans in Westchester do not include drug coverage?
There are 6 HMO-POS plans in Westchester without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Westchester County, NY (2026) are summarized below.

Quality Ratings for Medicare Advantage Plans in Westchester County, NY (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

* Star ratings are based on CMS quality measures and reflect plan performance for the 2026 rating period.

All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.

Data sources and methodology documentation .

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Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard .