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Medicare plans in Niagara County, NY — 2027
What agents look up before working a county: plan count, carriers, $0-premium share, star distribution, MOOP range, the 65+ and 60–64 population, and what changed since last year.
In 2027, Niagara County, New York has 66 Medicare plans (27 Medicare Advantage with drug coverage, 9 without, 9 standalone Part D, 21 Special Needs) from 11 carriers. 28 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $4,950.
What changed vs 2026
- 7 fewer plans than 2026
- $0-premium plans up 2
Market snapshot
- Residents 65 and older
- 43,688
- Residents 60–64, aging in over the next five years
- 16,370
- Medicare eligibles
- 55,517
- Medicare Advantage penetration
- 73.3%
- Plans per 1,000 residents 65+
- 1.5
Carriers by number of plans
- Wellcare — 12 plans
- UnitedHealthcare — 11 plans
- Aetna Medicare — 10 plans
- Highmark Blue Cross Blue Shield or Highmark Blue Shield — 6 plans
- Humana — 6 plans
- Independent Health — 6 plans
- Excellus Health Plan, Inc — 5 plans
- MVP HEALTH CARE — 3 plans
Plans sorted by CMS star rating, then premium
| Plan | Carrier | Category | Plan type | Monthly premium | Drug deductible | Out-of-pocket maximum | Star rating |
|---|---|---|---|---|---|---|---|
| UHC Nursing Home Plan NY-F001 (PPO I-SNP) (H2292-001-0) | UnitedHealthcare | SNP | PPO I-SNP | $4.20 | $700 | $9,850 | 5.0 |
| Freedom Valor (PPO) (H5526-023-0) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | MA | PPO | $0 | $6,700 | 4.5 | |
| Independent Health's Encompass 65 (HMO) (H3362-016-0) | Independent Health | MA | HMO | $0 | $6,750 | 4.5 | |
| UHC Dual Complete NY-S001 (PPO D-SNP) (H2001-063-1) | UnitedHealthcare | SNP | PPO D-SNP | $19.40 | $700 | $9,850 | 4.5 |
| Independent Health's Medicare Family Choice (HMO I-SNP) (H3362-020-0) | Independent Health | SNP | HMO I-SNP | $40 | $0 | $5,000 | 4.5 |
| Independent Health's Encompass 65 RED 042 (HMO) (H3362-042-0) | Independent Health | MA-PD | HMO | $49 | $550 | $9,850 | 4.5 |
| Independent Health's Medicare Passport Connect (PPO) (H3344-013-0) | Independent Health | MA-PD | PPO | $81 | $700 | $9,850 | 4.5 |
| Independent Health's Encompass 65 RED 044 (HMO) (H3362-044-0) | Independent Health | MA-PD | HMO | $110 | $510 | $8,000 | 4.5 |
| Humana Premier Rx Plan (PDP) (S5884-217-0) | Humana | PDP | PDP | $169.30 | $350 | 4.5 | |
| Humana Basic Rx Plan (PDP) (S5884-216-0) | Humana | PDP | PDP | $169.60 | $700 | 4.5 |
Showing 10 of 66 plans.
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About this data
Source: CMS Medicare Advantage/Part D Landscape files, plan year 2027; population: U.S. Census Bureau ACS 5-year 2024; MA penetration: CMS October 2026.
This page summarizes publicly available CMS data. It is not a plan finder and does not recommend plans. To compare and enroll in plans, use Medicare.gov or talk to a licensed agent. Medicare.gov plan finder.