Medicare Advantage Plans in Westchester County, NY:
Your Complete 2027 Guide
In Westchester County, NY, Medicare beneficiaries have 30 Medicare Advantage plans to consider for 2027. Among them, 12 are offered at a $0 premium. About 30,820 people in the County are currently enrolled, and 37% of plans are rated 4 stars or higher. Special Needs Plans are not included in the figures shown above. Explore SNP options for Westchester County, NY here. For a broader view beyond Medicare Advantage, see all Medicare coverage options in Westchester County.
Page last revised:
Enrollment data refreshed: October 5, 2026
* Each year CMS evaluates Medicare Advantage plans on a 5-star scale. Data sources
Medicare Advantage PPO Plans
PPO, or Preferred Provider Organization, plans give Medicare beneficiaries the ability to see a wide range of providers. These plans cover in-network care at the lowest cost but also include the option to use out-of-network providers for a higher fee, offering added choice compared with other plan types.
| 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 enrollment of 19,495.
How much do PPO plans cost on average in Westchester?
The mean monthly PPO premium in Westchester is $53.67, and 3 plans have no premium.
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
- 10
- Average Premium
- $59.70/mo
- Beneficiaries Enrolled
- 4,902
- $0 Premium HMOs
- 3
- Average MOOP
- $9,850
- Most Popular HMO
- Healthfirst Increased Benefits Plan (HMO) with 1,887 enrollees
- HMOs Without Drug Coverage
- 0
| 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?
- On average, HMO plans in Westchester cost $59.70 per month.
- Which HMO plan is most popular in Westchester?
- The leading HMO in Westchester is Healthfirst Increased Benefits Plan (HMO), with 1,887 members.
- How many HMO plans in Westchester do not include drug coverage?
- There are 0 HMO plans available in Westchester 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 11
- Average Premium $32.82/mo
- Beneficiaries Enrolled 6,423
- $0 Premium HMO-POS 6
- Average MOOP $8,200
- Most Popular HMO-POS AARP Medicare Advantage from UHC NY-34 (HMO-POS) with 1,945 enrollees
- HMO-POS Without Drug Coverage 4
| 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 6,423 beneficiaries.
How much do HMO-POS plans cost on average in Westchester?
The average HMO-POS premium is $32.82, with 6 costing $0.
What is the leading HMO-POS plan in Westchester?
AARP Medicare Advantage from UHC NY-34 (HMO-POS) is the most popular HMO-POS plan in Westchester, with 1,945 enrollees.
What is the number of HMO-POS plans without Part D coverage in Westchester?
4 HMO-POS plans in Westchester do not include drug coverage.
The table below shows the quality ratings for Medicare Advantage plans offered in Westchester County, NY for 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 | |
In Westchester County, Medicare Advantage enrollment follows specific timelines. Understanding these options—whether it’s your first time enrolling or switching plans—helps you choose coverage that matches your health and budget.
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): Each fall, from October 15 to December 7, Medicare beneficiaries can review their coverage and make changes for the next plan 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 1-833-748-3201 (TTY 711), available Mon-Fri 8AM-10PM, Sat 9AM-8PM EST, 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 Amawalk, Ardsley, Armonk, Bedford, Bedford Hills, Briarcliff Manor, Buchanan, Chappaqua, Cross River, Croton On Hudson, Dobbs Ferry, Elmsford, Goldens Bridge, Harrison, Hartsdale, Hawthorne, Irvington, Katonah, Larchmont, Mamaroneck, Millwood, 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 all other areas of Westchester County, New York. For a broader view of coverage choices across the state, see Medicare plan options in New York.
Plans Offered through Medicare.org
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, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, 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®, Wellcare, WellPoint
- CMS.gov, Landscape Source Files — Version: CY2027 Landscape (202609.1)
- CMS.gov, Medicare Part C & D Performance — Version: 2027 Star Ratings Data Tables
- CMS.gov, Plan Benefits Package — Version: PBP Benefits-2027
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Version: 2026-09
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.
- Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — 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 2027 Medicare Advantage plans available in Westchester 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 independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate Medicare coverage interpretation and resolution.