Medicare Advantage Plans in New York 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
New York has one of the largest Medicare Advantage markets in the country. New York City is among the most competitive MA markets anywhere, with dozens of plan options across the five boroughs and surrounding suburbs. Upstate New York is more limited, though Buffalo, Rochester, and Albany all have reasonable plan availability.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in New York.
What to Look for in a New York Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in New York
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in New York
New York offers guaranteed issue for Medigap plans year-round, regardless of health status. Insurers cannot deny you a Medigap policy or charge more based on your medical history. This is one of the strongest Medigap consumer protections in the country.