Medicare plans
Niagara County, NY
57 Medicare Advantage plans and 9 drug-only plans are offered in Niagara County, NY for 2027. 28 of the Advantage plans have a $0 monthly premium.
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Data only, not plan advice. Confirm on Medicare.gov Plan Finder or 1-800-MEDICARE.
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Plans by type
| Type | Plans |
|---|---|
| Advantage without drug coverage | 9 |
| Advantage with drugs | 48 |
| Drug only | 9 |
| All plans | 66 |
21 of these are Special Needs Plans (SNPs), open only to people who qualify: 14 D-SNP for people with both Medicare and Medicaid, 3 C-SNP for people with certain chronic conditions and 4 I-SNP for people who live in a nursing home or need that level of care at home. The 9 drug-only plans are listed for all of New York.
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
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Premiums and out-of-pocket limits
| Measure | 2027 |
|---|---|
| Advantage monthly premium | $0 to $368 |
| Advantage plans at $0 | 28 |
| Advantage out-of-pocket maximum (in network) | $0 to $9,850 |
| Drug-only monthly premium | $37.30 to $238.30 |
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Star Ratings
| Overall rating | Advantage plans |
|---|---|
| 3 stars | 18 |
| 3.5 stars | 6 |
| 4 stars | 21 |
| 4.5 stars | 8 |
| 5 stars | 1 |
| Not enough data | 3 |
30 Advantage plans in Niagara County, NY have an overall rating of 4 stars or more.
Source: CMS 2027 Medicare Part C and D Star Ratings, as of October 8, 2026. Publisher page
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Change from 2026
Niagara County, NY has 57 Advantage plans in 2027, 6 fewer than 2026 (63). 12 plans are new to the county and 18 plans offered here in 2026 are gone. $0 plans go from 26 to 28.
| Advantage plans | 2026 | 2027 |
|---|---|---|
| Offered in the county | 63 | 57 |
| At a $0 premium | 26 | 28 |
| New for 2027 | 12 | |
| Offered in 2026, gone in 2027 | 18 |
Offered here in 2026, not in 2027
- Wellcare Advantage Enhanced (PFFS) (H2816-037, Centene Corporation)
- Wellcare Advantage Simple (PFFS) (H2816-038, Centene Corporation)
- Aetna Medicare Partial Dual (HMO D-SNP) (H3312-089, CVS Health Corporation)
- Univera SeniorChoice Core (PPO) (H3335-060, Lifetime Healthcare, Inc.)
- Univera SeniorChoice Extra (HMO) (H3351-020, Lifetime Healthcare, Inc.)
- Independent Health's Encompass 65 RED 043 (HMO) (H3362-043, Independent Health Association, Inc.)
- Senior Blue 651 (HMO) (H3384-019, Highmark Health)
- Community Blue Medicare HMO Merit (HMO) (H3384-071, Highmark Health)
- Humana Gold Plus SNP-DE H3533-002 (HMO D-SNP) (H3533-002, Humana Inc.)
- Wellcare Patriot Simple (HMO-POS) (H4868-003, Centene Corporation)
- Wellcare Dual Access (HMO D-SNP) (H4868-004, Centene Corporation)
- Wellcare Simple (HMO-POS) (H4868-019, Centene Corporation)
- Forever Blue 751 (PPO) (H5526-004, Highmark Health)
- Forever Blue Value (PPO) (H5526-016, Highmark Health)
- Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) (H5599-013, Centene Corporation)
- HumanaChoice SNP-DE H5970-020 (PPO D-SNP) (H5970-020, Humana Inc.)
- HumanaChoice Giveback H5970-030 (PPO) (H5970-030, Humana Inc.)
- MVP Medicare WellSelect with Part D (PPO) (H9615-021, MVP Health Care, Inc.)
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Source: CMS CY2026 Medicare Advantage and Part D landscape file, as of September 25, 2025. Publisher page
Plans by parent organization
| Parent organization | Advantage | Drug only | Total |
|---|---|---|---|
| Centene Corporation | 10 | 2 | 12 |
| CVS Health Corporation | 9 | 1 | 10 |
| Health Care Service Corporation | 0 | 1 | 1 |
| Highmark Health | 6 | 0 | 6 |
| Humana Inc. | 3 | 3 | 6 |
| Independent Health Association, Inc. | 6 | 0 | 6 |
| Lifetime Healthcare, Inc. | 5 | 0 | 5 |
| MVP Health Care, Inc. | 3 | 0 | 3 |
| UnitedHealth Group, Inc. | 9 | 2 | 11 |
| VISITING NURSE ASSOCIATION OF CENTRAL NEW YORK | 3 | 0 | 3 |
| Visiting Nurse Service of New York | 3 | 0 | 3 |
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Every 2027 plan in Niagara County, NY
66 plans, by plan name. Select a column to sort. Plan types: HMO (health maintenance organization) means you generally must use the plan's network of doctors and hospitals, except in an emergency; HMO-POS is an HMO with a point-of-service option that may cover some care outside the network, usually at a higher cost; and PPO (preferred provider organization) means you can see doctors outside the network, usually at a higher cost.
| Plan ↑ | Type | Premium | Out-of-pocket max | Drug deductible | Stars |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC NY-0007 (HMO-POS)H3379-040-000 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS | $0 | $9,300 | $685 | 3.5 |
| AARP Medicare Advantage from UHC NY-0019 (PPO)H3418-008-000 · UnitedHealth Group, Inc. | Advantage with drugsPPO | $39 | $8,900 | $685 | 3 |
| AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS)H3379-060-000 · UnitedHealth Group, Inc. | Advantage without drug coverageHMO-POS | $0 | $7,150 | n/a | 3.5 |
| AARP Medicare Rx Preferred from UHC (PDP)S5921-382-000 · UnitedHealth Group, Inc. | Drug onlyPDP | $238.30 | n/a | $300 | 3 |
| AARP Medicare Rx Saver from UHC (PDP)S5921-379-000 · UnitedHealth Group, Inc. | Drug onlyPDP | $174.50 | n/a | $700 | 3 |
| Aetna Medicare Chronic Care (HMO C-SNP)H3312-105-000 · CVS Health Corporation | Advantage with drugsHMO C-SNP | $0 | $9,850 | $700 | 3 |
| Aetna Medicare Chronic Care Total (HMO C-SNP)H3312-112-000 · CVS Health Corporation | Advantage with drugsHMO C-SNP | $0 | $9,850 | $700 | 3 |
| Aetna Medicare Eagle Giveback (PPO)H5521-323-000 · CVS Health Corporation | Advantage without drug coveragePPO | $0 | $9,850 | n/a | 4 |
| Aetna Medicare Elite (PPO)H5521-738-000 · CVS Health Corporation | Advantage with drugsPPO | $35 | $9,850 | $700 | 4 |
| Aetna Medicare Enhanced (PPO)H5521-381-000 · CVS Health Corporation | Advantage with drugsPPO | $41 | $9,850 | $700 | 4 |
| Aetna Medicare Full Dual (HMO D-SNP)H3312-070-000 · CVS Health Corporation | Advantage with drugsHMO D-SNP | $0 | $9,850 | $700 | 3 |
| Aetna Medicare Longevity (PPO I-SNP)H5521-461-000 · CVS Health Corporation | Advantage with drugsPPO I-SNP | $10.70 | $9,850 | $700 | 4 |
| Aetna Medicare Signature (HMO-POS)H3312-065-000 · CVS Health Corporation | Advantage with drugsHMO-POS | $0 | $7,150 | $700 | 3 |
| Aetna Medicare Signature (PPO)H5521-215-000 · CVS Health Corporation | Advantage with drugsPPO | $0 | $9,850 | $400 | 4 |
| Community Blue Medicare HMO 651 (HMO)H3384-073-001 · Highmark Health | Advantage with drugsHMO | $118 | $6,700 | $700 | 4 |
| Community Blue Medicare HMO Distinct (HMO)H3384-070-001 · Highmark Health | Advantage with drugsHMO | $68 | $6,750 | $700 | 4 |
| Community Blue Medicare HMO Signature (HMO)H3384-069-001 · Highmark Health | Advantage with drugsHMO | $0 | $7,150 | $700 | 4 |
| Community Blue Medicare HMO Standard (HMO)H3384-072-000 · Highmark Health | Advantage with drugsHMO | $368 | $7,150 | $700 | 4 |
| Freedom Valor (PPO)H5526-023-000 · Highmark Health | Advantage without drug coveragePPO | $0 | $6,700 | n/a | 4.5 |
| HealthSpring Assurance Rx (PDP)S5715-024-000 · Health Care Service Corporation | Drug onlyPDP | $40.50 | n/a | $700 | 2.5 |
| Humana Basic Rx Plan (PDP)S5884-216-000 · Humana Inc. | Drug onlyPDP | $169.60 | n/a | $700 | 4.5 |
| Humana Gold Plus SNP-DE H3533-036 (HMO D-SNP)H3533-036-001 · Humana Inc. | Advantage with drugsHMO D-SNP | $0 | $9,850 | $700 | 3 |
| Humana Premier Rx Plan (PDP)S5884-217-000 · Humana Inc. | Drug onlyPDP | $169.30 | n/a | $350 | 4.5 |
| Humana USAA Honor Giveback (PPO)H5970-016-000 · Humana Inc. | Advantage without drug coveragePPO | $0 | $4,950 | n/a | 3 |
| Humana Value Rx Plan (PDP)S5884-218-000 · Humana Inc. | Drug onlyPDP | $177.20 | n/a | $687 | 4.5 |
| HumanaChoice H5970-029 (PPO)H5970-029-000 · Humana Inc. | Advantage with drugsPPO | $65 | $9,250 | $700 | 3 |
| Independent Health's Encompass 65 (HMO)H3362-016-000 · Independent Health Association, Inc. | Advantage without drug coverageHMO | $0 | $6,750 | n/a | 4.5 |
| Independent Health's Encompass 65 RED 042 (HMO)H3362-042-000 · Independent Health Association, Inc. | Advantage with drugsHMO | $49 | $9,850 | $550 | 4.5 |
| Independent Health's Encompass 65 RED 044 (HMO)H3362-044-000 · Independent Health Association, Inc. | Advantage with drugsHMO | $110 | $8,000 | $510 | 4.5 |
| Independent Health's Encompass 65 RED 045 (HMO)H3362-045-000 · Independent Health Association, Inc. | Advantage with drugsHMO | $286 | $7,000 | $375 | 4.5 |
| Independent Health's Medicare Family Choice (HMO I-SNP)H3362-020-000 · Independent Health Association, Inc. | Advantage with drugsHMO I-SNP | $40 | $5,000 | $0 | 4.5 |
| Independent Health's Medicare Passport Connect (PPO)H3344-013-000 · Independent Health Association, Inc. | Advantage with drugsPPO | $81 | $9,850 | $700 | 4.5 |
| MVP Medicare Preferred Gold with Part D (HMO-POS)H3305-015-000 · MVP Health Care, Inc. | Advantage with drugsHMO-POS | $277 | $6,800 | $400 | 3.5 |
| MVP Medicare Preferred Gold without Part D (HMO-POS)H3305-007-000 · MVP Health Care, Inc. | Advantage without drug coverageHMO-POS | $0 | $7,200 | n/a | 3.5 |
| MVP Medicare WellValue with Part D (HMO-POS)H3305-039-000 · MVP Health Care, Inc. | Advantage with drugsHMO-POS | $217 | $9,850 | $700 | 3.5 |
| Nascentia Dual Advantage (HMO D-SNP)H9066-003-000 · VISITING NURSE ASSOCIATION OF CENTRAL NEW YORK | Advantage with drugsHMO D-SNP | $27 | $9,850 | $700 | Not enough data |
| Nascentia Medicaid Advantage Plus (HMO D-SNP)H9066-001-000 · VISITING NURSE ASSOCIATION OF CENTRAL NEW YORK | Advantage with drugsHMO D-SNP | $30.30 | $9,850 | $700 | Not enough data |
| Nascentia Skilled Nursing Facility (HMO I-SNP)H9066-002-000 · VISITING NURSE ASSOCIATION OF CENTRAL NEW YORK | Advantage with drugsHMO I-SNP | $25.40 | $9,850 | $700 | Not enough data |
| Senior Blue 601 (HMO)H3384-022-000 · Highmark Health | Advantage without drug coverageHMO | $0 | $6,700 | n/a | 4 |
| SilverScript Choice (PDP)S5601-006-000 · CVS Health Corporation | Drug onlyPDP | $166.60 | n/a | $700 | 2.5 |
| UHC Complete Care NY-30 (HMO-POS C-SNP)H3379-053-000 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS C-SNP | $0 | $8,900 | $685 | 3.5 |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP)H3387-015-001 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS D-SNP | $0 | $9,850 | $700 | 4 |
| UHC Dual Complete NY-S001 (PPO D-SNP)H2001-063-001 · UnitedHealth Group, Inc. | Advantage with drugsPPO D-SNP | $19.40 | $9,850 | $700 | 4.5 |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP)H3387-014-004 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS D-SNP | $31.70 | $9,850 | $700 | 4 |
| UHC Dual Complete NY-YL (HMO-POS D-SNP)H3387-013-000 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS D-SNP | $40.50 | $9,850 | $700 | 4 |
| UHC Nursing Home Plan NY-F001 (PPO I-SNP)H2292-001-000 · UnitedHealth Group, Inc. | Advantage with drugsPPO I-SNP | $4.20 | $9,850 | $700 | 5 |
| Univera Medicare Freedom (HMO-POS)H3351-001-000 · Lifetime Healthcare, Inc. | Advantage without drug coverageHMO-POS | $0 | $6,500 | n/a | 4 |
| Univera SeniorChoice Advanced (HMO-POS)H3351-019-000 · Lifetime Healthcare, Inc. | Advantage with drugsHMO-POS | $75.40 | $7,500 | $300 | 4 |
| Univera SeniorChoice Basic (HMO)H3351-017-000 · Lifetime Healthcare, Inc. | Advantage with drugsHMO | $0 | $9,850 | $700 | 4 |
| Univera SeniorChoice Secure (HMO-POS)H3351-002-000 · Lifetime Healthcare, Inc. | Advantage with drugsHMO-POS | $104.70 | $6,000 | $250 | 4 |
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Source: CMS 2027 Medicare Part C and D Star Ratings, as of October 8, 2026. Publisher page
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Neighboring counties
Health data for Niagara County, NY
About this data
Plans, premiums, out-of-pocket maximums, and drug deductibles come from the CMS CY2027 Medicare Advantage and Part D landscape file. Change from 2026 compares it with the CY2026 landscape. Stars are the 2027 Star Ratings CMS released October 8, 2026: the overall rating for Advantage plans and the Part D summary rating for drug-only plans, which have no overall rating.
Advantage counts include Special Needs Plans (SNPs), which are open only to people who qualify: D-SNPs for people with both Medicare and Medicaid, C-SNPs for people with certain chronic conditions, and I-SNPs for people who live in a nursing home or need that level of care at home. Drug-only plans are listed by CMS for a whole state, so every county page shows them. Employer group plans are not in the file. This page lists plans; it does not say which plan fits anyone, and Rivvi does not sell plans.
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Source: CMS CY2026 Medicare Advantage and Part D landscape file, as of September 25, 2025. Publisher page
Source: CMS 2027 Medicare Part C and D Star Ratings, as of October 8, 2026. Publisher page