2026 Medicare Advantage plans in Washington, NY
30 plans open to everyone with Medicare, 15 Special Needs Plans and 10 stand-alone drug plans. Sorted by star rating, then premium.
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Medicare Advantage plans
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| Aetna Medicare Eagle Giveback (PPO)Aetna Medicare · H5521-323-0 · PPO | $0 | $9,250 | no drug coverage | ★★★★½ 4.5 |
| CDPHP Core (HMO)CDPHP Medicare Advantage · H3388-001-0 · HMO | $15 | $6,100 | no drug coverage | ★★★★½ 4.5 |
| Aetna Medicare Elite (PPO)Aetna Medicare · H5521-119-0 · PPO | $0 | $9,250 | $615 | ★★★★½ 4.5 |
| CDPHP $0 Medicare Rx (HMO)CDPHP Medicare Advantage · H3388-014-0 · HMO | $0 | $6,750 | $500 | ★★★★½ 4.5 |
| CDPHP Clear Rx (HMO)CDPHP Medicare Advantage · H3388-020-0 · HMO | $100 | $6,400 | $250 | ★★★★½ 4.5 |
| Aetna Medicare Enhanced (PPO)Aetna Medicare · H5521-669-0 · PPO | $109 | $9,250 | $615 | ★★★★½ 4.5 |
| CDPHP Choice Rx (HMO)CDPHP Medicare Advantage · H3388-002-0 · HMO | $135 | $6,000 | $0 | ★★★★½ 4.5 |
| Forever Blue 770 (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · H5526-018-0 · PPO | $220 | $6,700 | $615 | ★★★★½ 4.5 |
| MVP Medicare Preferred Gold without Part D (HMO-POS)MVP HEALTH CARE · H3305-020-0 · HMO-POS | $0 | $7,200 | no drug coverage | ★★★★ 4.0 |
| EmblemHealth VIP Value (HMO-POS)EmblemHealth · H3330-048-0 · HMO-POS | $0 | $7,500 | $215 | ★★★★ 4.0 |
| Senior Blue 652 (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · H3384-013-0 · HMO | $104 | $6,700 | $615 | ★★★★ 4.0 |
| MVP Medicare Secure Plus with Part D (HMO-POS)MVP HEALTH CARE · H3305-022-0 · HMO-POS | $116 | $6,000 | $400 | ★★★★ 4.0 |
| AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS)UnitedHealthcare · H3379-060-0 · HMO-POS | $0 | $6,700 | no drug coverage | ★★★½ 3.5 |
| Wellcare Advantage Simple (PFFS)Wellcare · H2816-038-0 · PFFS | $0 | $6,700 | no drug coverage | ★★★½ 3.5 |
| Wellcare Advantage Enhanced (PFFS)Wellcare · H2816-037-0 · PFFS | $0 | $4,300 | no drug coverage | ★★★½ 3.5 |
| AARP Medicare Advantage from UHC NY-29 (HMO-POS)UnitedHealthcare · H3379-052-0 · HMO-POS | $0 | $6,700 | $600 | ★★★½ 3.5 |
| MVP Medicare Complete Wellness with Part D (PPO)MVP HEALTH CARE · H9615-024-0 · PPO | $15 | $9,250 | $615 | ★★★½ 3.5 |
| AARP Medicare Advantage from UHC NY-0015 (PPO)UnitedHealthcare · H3418-004-0 · PPO | $48 | $7,900 | $600 | ★★★½ 3.5 |
| Wellcare Premium Enhanced (PFFS)Wellcare · H2816-019-0 · PFFS | $50 | $3,400 | $615 | ★★★½ 3.5 |
| Wellcare Premium Ultra (PFFS)Wellcare · H2816-013-0 · PFFS | $127 | $3,400 | $615 | ★★★½ 3.5 |
| Humana USAA Honor Giveback (PPO)Humana · H5970-016-0 · PPO | $0 | $4,950 | no drug coverage | ★★★ 3.0 |
| Wellcare Fidelis Patriot Simple (HMO-POS)Wellcare · H5599-010-0 · HMO-POS | $0 | $9,250 | no drug coverage | ★★★ 3.0 |
| Wellcare Fidelis Simple (HMO-POS)Wellcare · H5599-004-0 · HMO-POS | $0 | $9,250 | $615 | ★★★ 3.0 |
| Wellcare Simple Open (PPO)Wellcare · H2775-106-0 · PPO | $0 | $9,250 | $615 | ★★★ 3.0 |
| Wellcare Giveback Open (PPO)Wellcare · H2775-111-0 · PPO | $0 | $9,250 | $615 | ★★★ 3.0 |
| Aetna Medicare Signature (HMO)Aetna Medicare · H3312-062-0 · HMO | $0 | $9,250 | $615 | ★★★ 3.0 |
| HumanaChoice Giveback H5970-030 (PPO)Humana · H5970-030-0 · PPO | $0 | $9,250 | $615 | ★★★ 3.0 |
| HumanaChoice H5970-029 (PPO)Humana · H5970-029-0 · PPO | $32 | $9,250 | $615 | ★★★ 3.0 |
| Wellcare Fidelis Assist (HMO-POS)Wellcare · H5599-002-0 · HMO-POS | $32.50 | $9,250 | $615 | ★★★ 3.0 |
| Wellcare Assist Open (PPO)Wellcare · H2775-113-0 · PPO | $58.80 | $9,250 | $530 | ★★★ 3.0 |
Special Needs Plans
Only for people who have both Medicare and Medicaid, live in an institution, or have certain chronic conditions.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| UHC Dual Complete NY-S001 (PPO D-SNP)UnitedHealthcare · H2001-063-1 · PPO D-SNP | $52.80 | $9,250 | $615 | ★★★★½ 4.5 |
| UHC Nursing Home Plan NY-F001 (PPO I-SNP)UnitedHealthcare · H2292-001-0 · PPO I-SNP | $58.80 | $9,250 | $615 | ★★★★½ 4.5 |
| Aetna Medicare Longevity (PPO I-SNP)Aetna Medicare · H5521-461-0 · PPO I-SNP | $58.80 | $9,250 | $615 | ★★★★½ 4.5 |
| UHC Dual Complete NY-S4 (HMO-POS D-SNP)UnitedHealthcare · H3387-017-0 · HMO-POS D-SNP | $5.90 | $9,250 | $615 | ★★★★ 4.0 |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP)UnitedHealthcare · H3387-015-1 · HMO-POS D-SNP | $31 | $9,250 | $615 | ★★★★ 4.0 |
| MVP DualAccess Complete (HMO D-SNP)MVP HEALTH CARE · H3305-034-0 · HMO D-SNP | $58.80 | $9,250 | $615 | ★★★★ 4.0 |
| UHC Complete Care NY-33 (HMO-POS C-SNP)UnitedHealthcare · H3379-056-0 · HMO-POS C-SNP | $0 | $6,700 | $440 | ★★★½ 3.5 |
| Humana Gold Plus SNP-DE H3533-002 (HMO D-SNP)Humana · H3533-002-0 · HMO D-SNP | $0 | $9,250 | $615 | ★★★ 3.0 |
| HumanaChoice SNP-DE H5970-020 (PPO D-SNP)Humana · H5970-020-0 · PPO D-SNP | $0.90 | $9,250 | $615 | ★★★ 3.0 |
| Aetna Medicare Partial Dual (HMO D-SNP)Aetna Medicare · H3312-089-0 · HMO D-SNP | $5.90 | $9,250 | $615 | ★★★ 3.0 |
| Aetna Medicare Full Dual (HMO D-SNP)Aetna Medicare · H3312-070-0 · HMO D-SNP | $23.10 | $9,250 | $615 | ★★★ 3.0 |
| Wellcare Fidelis Dual Align (HMO D-SNP)Wellcare · H5599-003-0 · HMO D-SNP | $58.80 | $9,250 | $615 | ★★★ 3.0 |
| Wellcare Fidelis Dual Liberty Sync (HMO D-SNP)Wellcare · H5599-013-1 · HMO D-SNP | $58.80 | $9,250 | $580 | ★★★ 3.0 |
| EmblemHealth VIP Dual (HMO D-SNP)EmblemHealth · H5991-012-2 · HMO D-SNP | $58.80 | $9,250 | $615 | ★★★ 3.0 |
| Wellcare Dual Access Open (PPO D-SNP)Wellcare · H2775-112-0 · PPO D-SNP | $58.80 | $9,250 | $510 | ★★★ 3.0 |
Prescription drug plans (Part D)
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| HealthSpring Assurance Rx (PDP)HealthSpring · S5617-013-0 · Part D | $35.70 | – | $615 | ★★½ 2.5Part D rating |
| Wellcare Value Script (PDP)Wellcare · S4802-138-0 · Part D | $42.40 | – | $615 | ★★★½ 3.5Part D rating |
| Wellcare Classic (PDP)Wellcare · S4802-077-0 · Part D | $45.70 | – | $615 | ★★★½ 3.5Part D rating |
| HealthSpring Extra Rx (PDP)HealthSpring · S5617-353-0 · Part D | $91.60 | – | $615 | ★★½ 2.5Part D rating |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-379-0 · Part D | $105.80 | – | $615 | ★★ 2.0Part D rating |
| SilverScript Choice (PDP)Aetna Medicare · S5601-006-0 · Part D | $116 | – | $615 | ★★★ 3.0Part D rating |
| Humana Basic Rx Plan (PDP)Humana · S5884-216-0 · Part D | $140.90 | – | $615 | ★★★ 3.0Part D rating |
| Humana Value Rx Plan (PDP)Humana · S5884-218-0 · Part D | $158.90 | – | $601 | ★★★ 3.0Part D rating |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-382-0 · Part D | $163.70 | – | $130 | ★★ 2.0Part D rating |
| Humana Premier Rx Plan (PDP)Humana · S5884-217-0 · Part D | $173.60 | – | $0 | ★★★ 3.0Part D rating |
Questions and answers
How many Medicare Advantage plans are available in Washington, NY for 2026?
45 Medicare Advantage and Special Needs plans are offered in Washington, NY for 2026, plus 10 stand-alone Part D prescription drug plans available statewide.
Are there $0 premium Medicare Advantage plans in Washington, NY?
Yes – 9 plans open to everyone with Medicare charge no monthly plan premium (you still pay the Part B premium).
Which plans in Washington, NY have the highest star ratings?
Aetna Medicare Eagle Giveback (PPO) (4.5 stars); CDPHP Core (HMO) (4.5 stars); Aetna Medicare Elite (PPO) (4.5 stars); CDPHP $0 Medicare Rx (HMO) (4.5 stars).