Medicare Advantage Plans in Saratoga County, NY:
Your Complete 2026 Guide
Saratoga County, NY offers 33 Medicare Advantage plans in 2026. This includes 19 with $0 monthly premiums. Currently, about 10,924 beneficiaries in the County are enrolled, and 36% of available plans have a 4-star rating or higher. Special Needs Plans are not included in the figures shown above. Explore SNP options for Saratoga County, NY here.
Page last revised:
Enrollment data refreshed: December 15, 2025
* Each year CMS evaluates Medicare Advantage plans on a 5-star scale. Data sources
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans offer flexibility by allowing you to see both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs may appeal to people who want more choice in doctors and hospitals.
- Total PPO Plans 12
- Average Premium $40.23/mo
- Beneficiaries Enrolled 2,237
- $0 Premium PPOs 6
- Average MOOP $8,567
- Most Popular PPO AARP Medicare Advantage from UHC NY-0015 (PPO) with 906 enrollees
- PPOs Without Drug Coverage 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. |
|---|---|---|---|---|
| Aetna Medicare Eagle Giveback | $0 | $9,250 | N/A | |
| Aetna Medicare Elite | $0 | $9,250 | $615 | |
| Aetna Medicare Enhanced | $109 | $9,250 | $615 | |
| Forever Blue 770 | $220 | $6,700 | $615 | |
| AARP Medicare Advantage from UHC NY-0015 | $48 | $7,900 | $600 | |
| MVP Medicare Complete Wellness with Part D | $15 | $9,250 | $615 | |
| Humana USAA Honor Giveback | $0 | $4,950 | N/A | |
| HumanaChoice Giveback H5970-030 | $0 | $9,250 | $615 | |
| HumanaChoice H5970-029 | $32 | $9,250 | $615 | |
| Wellcare Assist Open | $59 | $9,250 | $530 | |
| Wellcare Giveback Open | $0 | $9,250 | $615 | |
| Wellcare Simple Open | $0 | $9,250 | $615 |
What is the most popular PPO plan in Saratoga?
AARP Medicare Advantage from UHC NY-0015 (PPO) is the top PPO in Saratoga, with 906 enrollees.
What is the number of PPO plans without Part D coverage in Saratoga?
There are 2 PPO plans in Saratoga without prescription drug coverage.
Medicare Advantage HMO Plans
With an HMO, you’ll typically get care from providers and facilities in the plan’s network. In exchange for this limitation, HMO plans usually feature lower monthly premiums and reduced cost-sharing, which can help enrollees better manage their healthcare expenses.
- Total HMO Plans
- 7
- Average Premium
- $52.00/mo
- Beneficiaries Enrolled
- 6,079
- $0 Premium HMOs
- 3
- Average MOOP
- $7,207
- Most Popular HMO
- CDPHP $0 Medicare Rx (HMO) with 3,806 enrollees
- HMOs Without Drug Coverage
- 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. |
|---|---|---|---|---|
| CDPHP $0 Medicare Rx | $0 | $6,750 | $500 | |
| CDPHP Choice Rx | $135 | $6,000 | $0 | |
| CDPHP Clear Rx | $100 | $6,400 | $250 | |
| CDPHP Core | $0 | $6,100 | N/A | |
| Senior Blue 652 | $104 | $6,700 | $615 | |
| VNS Health EasyCare | $25 | $9,250 | $500 | |
| Aetna Medicare Signature | $0 | $9,250 | $615 |
What is the typical premium for HMO plans in Saratoga?
On average, HMO plans in Saratoga cost $52.00 per month.
Which HMO plan do most beneficiaries choose in Saratoga?
The leading HMO in Saratoga is CDPHP $0 Medicare Rx (HMO), with 3,806 members.
How many HMO options are offered without prescription drug coverage in Saratoga?
There are 1 HMO plans available in Saratoga without Part D benefits.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans blend elements of HMO and PPO coverage. You can see providers outside the network, but out-of-network services typically cost more. This type of plan may appeal to people who like the lower costs of an HMO but also want occasional flexibility to go out of network.
- Total HMO-POS Plans 10
- Average Premium $14.85/mo
- Beneficiaries Enrolled 2,608
- $0 Premium HMO-POS 8
- Average MOOP $7,780
- Most Popular HMO-POS AARP Medicare Advantage from UHC NY-29 (HMO-POS) with 1,735 enrollees
- HMO-POS Without Drug Coverage 4
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. |
|---|---|---|---|---|
| EmblemHealth VIP Value | $0 | $7,500 | $215 | |
| MVP Medicare Preferred Gold without Part D | $0 | $7,200 | N/A | |
| MVP Medicare Secure Plus with Part D | $116 | $6,000 | $400 | |
| AARP Medicare Advantage from UHC NY-29 | $0 | $6,700 | $600 | |
| AARP Medicare Advantage Patriot No Rx NY-MA3 | $0 | $6,700 | N/A | |
| Wellcare Fidelis Assist | $33 | $9,250 | $615 | |
| Wellcare Fidelis Patriot Simple | $0 | $9,250 | N/A | |
| Wellcare Fidelis Simple | $0 | $9,250 | $615 | |
| Wellcare Patriot Simple | $0 | $6,700 | N/A | |
| Wellcare Simple | $0 | $9,250 | $615 |
What is the total number of HMO-POS plans in Saratoga?
In 2026, Saratoga has 10 HMO-POS plans, with 2,608 enrollees.
How much do HMO-POS plans cost on average in Saratoga?
The mean monthly HMO-POS premium is $14.85, and 8 have no premium.
Medicare Advantage PFFS Plans
With a PFFS plan, you can see any Medicare-approved provider who agrees to the plan’s conditions and payment structure. These plans offer broader choice compared to network-based options, but coverage depends on provider participation, so always confirm acceptance in advance.
- Total PFFS Plans
- 4
- Average Premium
- $44.25/mo
- Beneficiaries Enrolled
- 0
- $0 Premium PFFS
- 2
- Average MOOP
- $4,450
- Most Popular PFFS
- with 0 enrollees
- PFFS Without Drug Coverage
- 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. |
|---|---|---|---|---|
| Wellcare Advantage Enhanced | $0 | $4,300 | N/A | |
| Wellcare Advantage Simple | $0 | $6,700 | N/A | |
| Wellcare Premium Enhanced | $50 | $3,400 | $615 | |
| Wellcare Premium Ultra | $127 | $3,400 | $615 |
- What is the average monthly premium for PFFS plans?
- On average, PFFS plans in Saratoga cost $44.25 per month.
- Which PFFS plan is most popular in Saratoga?
- The leading PFFS plan in Saratoga is , with 0 members.
- How many PFFS plans in Saratoga do not include drug coverage?
- There are 2 PFFS plans in Saratoga without Part D benefits.
The table below shows the quality ratings for Medicare Advantage plans offered in Saratoga 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) | 12 | 36% |
| 3 Stars | 21 | 64% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.62 | |
For residents of Saratoga County, signing up for a Medicare Advantage plan isn’t just about benefits—it’s about timing. Learning the key enrollment periods ensures you don’t lose access to the coverage that works best for you.
When You Can Sign Up
- Initial Enrollment Period (IEP): Lasting seven months around your 65th birthday, this period lets you enroll in Medicare for the first time. You may also choose a Medicare Advantage plan during this time. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Between January 1 and March 31, people already enrolled in Medicare Advantage can make a one-time change—switch to another plan or return to Original Medicare. Learn more
- Annual Enrollment Period (AEP): From October 15 through December 7 each year, you can make changes to your Medicare coverage for the following year. Learn more
- Special Enrollment Periods (SEPs): Life events like moving to a new service area, losing other health coverage, or becoming eligible for assistance may open a Special Enrollment Period to adjust your Medicare coverage. Learn more
Ways to Enroll in Medicare Advantage
- Consult a Licensed Agent: Call a licensed insurance agent at HealthCompare 1-833-748-3201 (TTY 711), available Monday through Friday 5am–6pm and Saturday 6am–5pm PST, for help reviewing your Medicare options.
- Contact the Plan Provider Directly: Start enrollment by reaching out to the plan provider through their website or by phone with their member services team.
- Use Medicare.gov: At Medicare.gov, you can compare Medicare Advantage plans side by side and enroll securely online.
The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Ballston Lake, Ballston Spa, Burnt Hills, Clifton Park, Galway, Mechanicville, Rexford, Stillwater, Waterford, South Glens Falls, Corinth, Gansevoort, Greenfield Center, Hadley, Middle Grove, Porter Corners, Saratoga Springs, Schuylerville, and all other areas of Saratoga County, New York.
Plans Offered for Enrollment through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, HealthSpring℠, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint
CMS Plan IDs Presented
The Medicare Advantage plan pages listed in the tables above include localization to assist beneficiaries with plans available in their service area. However, most Part C plans are available in more than one service area, which can lead to confusion. The following list of CMS IDs links to our master plan pages without localization.
- CMS.gov, Landscape Source Files — Last accessed September 26, 2025
- CMS.gov, Medicare Part C & D Performance — Last accessed October 10, 2025
- CMS.gov, Plan Benefits Package — Last accessed October 13, 2025
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Last accessed December 15, 2025
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Landscape file, Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data. Enrollment counts and rankings (such as Top 3 plans by enrollment) are derived from CMS monthly enrollment files and aggregated at the county level.
Medicare.org separates Medicare Advantage (MA/MAPD) plans and Special Needs Plans (SNPs) into different pages for clarity. As a result, plan counts, percentages, and other calculations shown here may differ from the aggregate totals published in the CMS Landscape files. All plan availability and benefit details originate from CMS.
Learn more about how we use CMS data.
- CMS.gov, "Medicare Advantage Plan Fact Sheet" — 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
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data.
To explore how 2026 Medicare Advantage plans available in Saratoga County compare with plans offered elsewhere, you can search the Medicare Advantage plan directory to review options nationwide using the same authoritative data sources.
Medicare.org is owned and operated by Health Network Group, LLC, an Allstate company. Medicare.org provides information only and is not connected with or endorsed by the U.S. Government or the federal Medicare program.
Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard.
Page content managed by David Bynon, Medicare Analyst.