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Medicare plans in Schenectady 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, Schenectady County, New York has 66 Medicare plans (24 Medicare Advantage with drug coverage, 7 without, 9 standalone Part D, 26 Special Needs) from 14 carriers. 29 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $4,950.
What changed vs 2026
- 4 fewer plans than 2026
- Carriers entered: Anthem Blue Cross and Blue Shield HP, Devoted Health
- Carriers exited: EmblemHealth
- $0-premium plans up 6
Market snapshot
- Residents 65 and older
- 28,630
- Residents 60–64, aging in over the next five years
- 10,561
- Medicare eligibles
- 35,066
- Medicare Advantage penetration
- 65.8%
- Plans per 1,000 residents 65+
- 2.3
Carriers by number of plans
- Wellcare — 12 plans
- UnitedHealthcare — 11 plans
- Aetna Medicare — 8 plans
- Devoted Health — 6 plans
- Humana — 6 plans
- MVP HEALTH CARE — 6 plans
- CDPHP Medicare Advantage — 4 plans
- Nascentia Health Plus — 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 |
| UHC Dual Complete NY-S001 (PPO D-SNP) (H2001-063-1) | UnitedHealthcare | SNP | PPO D-SNP | $19.40 | $700 | $9,850 | 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 | |
| Humana Value Rx Plan (PDP) (S5884-218-0) | Humana | PDP | PDP | $177.20 | $687 | 4.5 | |
| Aetna Medicare Eagle Giveback (PPO) (H5521-323-0) | Aetna Medicare | MA | PPO | $0 | $9,850 | 4.0 | |
| Aetna Medicare Elite (PPO) (H5521-119-0) | Aetna Medicare | MA-PD | PPO | $0 | $700 | $9,850 | 4.0 |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP) (H3387-015-1) | UnitedHealthcare | SNP | HMO-POS D-SNP | $0 | $700 | $9,850 | 4.0 |
| Aetna Medicare Longevity (PPO I-SNP) (H5521-461-0) | Aetna Medicare | SNP | PPO I-SNP | $10.70 | $700 | $9,850 | 4.0 |
| VNS Health EasyCare Plus (HMO D-SNP) (H5549-011-0) | VNS Health Medicare | SNP | HMO D-SNP | $23.60 | $700 | $9,850 | 4.0 |
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.