2027 Medicare Advantage exits · NY county detail
Medicare Advantage Plans Leaving Saratoga, NY in 2027
2,700 Medicare Advantage members in Saratoga are in plans that CMS lists as non-renewed for 2027. That is 10.4% of the county’s 26,040 county-level MA members.
Check your plan in Saratoga
Five-digit ZIP only. The lookup runs in your browser.
What is happening in Saratoga
The October 2026 CMS enrollment file shows 26,040 Medicare Advantage members in Saratoga across 43 contract-plan combinations. The CMS 2027 crosswalk marks 7 of those plans as terminated or non-renewed, leaving 2,700 members (10.4%) in plans that end December 31, 2026.
The largest single exit is MVP Medicare Complete Wellness with Part D (PPO) from Mvp Health Care, with 1,647 members (6.3% of the county’s MA enrollment). The largest affected organization is Mvp Health Care, with 1,647 affected members.
36 other plans are marked continuing for 2027. Some are “Renewal Plan with SAR” (service area reduced), “Renewal Plan with SAE” (service area expanded), or “Consolidated Renewal Plan” (plan ID or plan structure changes). A continuing plan is not automatically unchanged, so check the plan detail and confirm your doctors and drugs.
Plans ending in Saratoga
The table lists every 2026 plan in the county that the 2027 crosswalk marks as terminated or non-renewed, sorted by 2026 enrollment. The last column shows other 2027 plans in the same county from the plan’s own carrier where available. It is not a recommendation.
| Plan | Carrier | Type | 2026 members | County share | 2027 status | Other 2027 plans in county |
|---|---|---|---|---|---|---|
| MVP Medicare Complete Wellness with Part D (PPO) | Mvp Health Care | Local PPO | 1,647 | 6.3% | Exiting in 2027 Exiting (non-renewed for 2027) | MVP DualAccess (HMO D-SNP) (Mvp Health Care) MVP DualAccess Complete (HMO D-SNP) (Mvp Health Care) |
| Aetna Medicare Signature (HMO) | Aetna Medicare | HMO / HMO-POS | 377 | 1.4% | Exiting in 2027 Exiting (non-renewed for 2027) | Aetna Medicare Eagle Giveback (PPO) (Aetna Medicare) Aetna Medicare Elite (PPO) (Aetna Medicare) |
| Forever Blue 770 (PPO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | Local PPO | 192 | 0.7% | Exiting in 2027 Exiting (non-renewed for 2027) | Senior Blue 652 (HMO) (Highmark Blue Cross Blue Shield or Highmark Blue Shield) Aetna Medicare Eagle Giveback (PPO) (Aetna Medicare) |
| EmblemHealth VIP Value (HMO-POS) | EmblemHealth | HMO / HMO-POS | 191 | 0.7% | Exiting in 2027 Exiting (non-renewed for 2027) | Aetna Medicare Eagle Giveback (PPO) (Aetna Medicare) Aetna Medicare Elite (PPO) (Aetna Medicare) |
| HumanaChoice Giveback H5970-030 (PPO) | Humana | Local PPO | 138 | 0.5% | Exiting in 2027 Exiting (non-renewed for 2027) | Humana Gold Plus SNP-DE H3533-036 (HMO D-SNP) (Humana) Humana USAA Honor Giveback (PPO) (Humana) |
| HumanaChoice SNP-DE H5970-020 (PPO D-SNP) | Humana | Local PPO Dual-Eligible | 124 | 0.5% | Exiting in 2027 Exiting (non-renewed for 2027) | Humana Gold Plus SNP-DE H3533-036 (HMO D-SNP) (Humana) Humana USAA Honor Giveback (PPO) (Humana) |
| Aetna Medicare Partial Dual (HMO D-SNP) | Aetna Medicare | HMO / HMO-POS Dual-Eligible | 31 | 0.1% | Exiting in 2027 Exiting (non-renewed for 2027) | Aetna Medicare Eagle Giveback (PPO) (Aetna Medicare) Aetna Medicare Elite (PPO) (Aetna Medicare) |
“Other 2027 plans” means a plan listed as continuing in the same county. It does not confirm that the plan is accepting new members, that your doctors are in network, or that your drugs are covered.
Plans continuing in Saratoga
These plans are listed as continuing for 2027. The table shows the 20 largest by 2026 enrollment; the full list is below. A “Continuing” label does not mean the premium, network, or drug list stayed the same.
| 2026 plan | 2027 plan | Carrier | 2026 members | 2027 status |
|---|---|---|---|---|
| CDPHP $0 Medicare Rx (HMO) | Same plan name | CDPHP Medicare Advantage | 7,126 | Continuing in 2027 Continuing — service area reduced |
| CDPHP Choice Rx (HMO) | Same plan name | CDPHP Medicare Advantage | 4,259 | Continuing in 2027 Continuing — service area reduced |
| AARP Medicare Advantage from UHC NY-29 (HMO-POS) | Same plan name | UnitedHealthcare | 2,292 | Continuing in 2027 Continuing unchanged |
| Aetna Medicare Elite (PPO) | Same plan name | Aetna Medicare | 1,269 | Continuing in 2027 Continuing — service area reduced |
| MVP Medicare Secure Plus with Part D (HMO-POS) | Same plan name | Mvp Health Care | 1,002 | Continuing in 2027 Continuing unchanged |
| UHC Dual Complete NY-S4 (HMO-POS D-SNP) | Same plan name | UnitedHealthcare | 923 | Continuing in 2027 Continuing — service area reduced |
| CDPHP Clear Rx (HMO) | Same plan name | CDPHP Medicare Advantage | 860 | Continuing in 2027 Continuing — service area reduced |
| Aetna Medicare Full Dual (HMO D-SNP) | Same plan name | Aetna Medicare | 859 | Continuing in 2027 Continuing unchanged |
| AARP Medicare Advantage from UHC NY-0015 (PPO) | Same plan name | UnitedHealthcare | 853 | Continuing in 2027 Continuing unchanged |
| UHC Complete Care NY-33 (HMO-POS C-SNP) | Same plan name | UnitedHealthcare | 723 | Continuing in 2027 Continuing unchanged |
| Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) | Same plan name | Wellcare | 486 | Continuing in 2027 Continuing — plan ID may change |
| Senior Blue 652 (HMO) | Same plan name | Highmark Blue Cross Blue Shield or Highmark Blue Shield | 381 | Continuing in 2027 Continuing unchanged |
| MVP DualAccess (HMO D-SNP) | Same plan name | Mvp Health Care | 376 | Continuing in 2027 Continuing unchanged |
| UHC Dual Complete NY-S001 (PPO D-SNP) | Same plan name | UnitedHealthcare | 296 | Continuing in 2027 Continuing unchanged |
| Wellcare Fidelis Simple (HMO-POS) | Same plan name | Wellcare | 167 | Continuing in 2027 Continuing — plan ID may change |
| Aetna Medicare Enhanced (PPO) | Same plan name | Aetna Medicare | 161 | Continuing in 2027 Continuing — service area reduced |
| CDPHP Core (HMO) | Same plan name | CDPHP Medicare Advantage | 133 | Continuing in 2027 Continuing — service area reduced |
| Aetna Medicare Eagle Giveback (PPO) | Same plan name | Aetna Medicare | 111 | Continuing in 2027 Continuing unchanged |
| UHC Nursing Home Plan NY-F001 (PPO I-SNP) | Same plan name | UnitedHealthcare | 110 | Continuing in 2027 Continuing — service area reduced |
| Wellcare Simple Open (PPO) | Same plan name | Wellcare | 107 | Continuing in 2027 Continuing — service area reduced |
Show all 36 continuing plans
| 2026 plan | 2027 plan | Carrier | 2026 members | 2027 status |
|---|---|---|---|---|
| CDPHP $0 Medicare Rx (HMO) | Same plan name | CDPHP Medicare Advantage | 7,126 | Continuing in 2027 Continuing — service area reduced |
| CDPHP Choice Rx (HMO) | Same plan name | CDPHP Medicare Advantage | 4,259 | Continuing in 2027 Continuing — service area reduced |
| AARP Medicare Advantage from UHC NY-29 (HMO-POS) | Same plan name | UnitedHealthcare | 2,292 | Continuing in 2027 Continuing unchanged |
| Aetna Medicare Elite (PPO) | Same plan name | Aetna Medicare | 1,269 | Continuing in 2027 Continuing — service area reduced |
| MVP Medicare Secure Plus with Part D (HMO-POS) | Same plan name | Mvp Health Care | 1,002 | Continuing in 2027 Continuing unchanged |
| UHC Dual Complete NY-S4 (HMO-POS D-SNP) | Same plan name | UnitedHealthcare | 923 | Continuing in 2027 Continuing — service area reduced |
| CDPHP Clear Rx (HMO) | Same plan name | CDPHP Medicare Advantage | 860 | Continuing in 2027 Continuing — service area reduced |
| Aetna Medicare Full Dual (HMO D-SNP) | Same plan name | Aetna Medicare | 859 | Continuing in 2027 Continuing unchanged |
| AARP Medicare Advantage from UHC NY-0015 (PPO) | Same plan name | UnitedHealthcare | 853 | Continuing in 2027 Continuing unchanged |
| UHC Complete Care NY-33 (HMO-POS C-SNP) | Same plan name | UnitedHealthcare | 723 | Continuing in 2027 Continuing unchanged |
| Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) | Same plan name | Wellcare | 486 | Continuing in 2027 Continuing — plan ID may change |
| Senior Blue 652 (HMO) | Same plan name | Highmark Blue Cross Blue Shield or Highmark Blue Shield | 381 | Continuing in 2027 Continuing unchanged |
| MVP DualAccess (HMO D-SNP) | Same plan name | Mvp Health Care | 376 | Continuing in 2027 Continuing unchanged |
| UHC Dual Complete NY-S001 (PPO D-SNP) | Same plan name | UnitedHealthcare | 296 | Continuing in 2027 Continuing unchanged |
| Wellcare Fidelis Simple (HMO-POS) | Same plan name | Wellcare | 167 | Continuing in 2027 Continuing — plan ID may change |
| Aetna Medicare Enhanced (PPO) | Same plan name | Aetna Medicare | 161 | Continuing in 2027 Continuing — service area reduced |
| CDPHP Core (HMO) | Same plan name | CDPHP Medicare Advantage | 133 | Continuing in 2027 Continuing — service area reduced |
| Aetna Medicare Eagle Giveback (PPO) | Same plan name | Aetna Medicare | 111 | Continuing in 2027 Continuing unchanged |
| UHC Nursing Home Plan NY-F001 (PPO I-SNP) | Same plan name | UnitedHealthcare | 110 | Continuing in 2027 Continuing — service area reduced |
| Wellcare Simple Open (PPO) | Same plan name | Wellcare | 107 | Continuing in 2027 Continuing — service area reduced |
| AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) | Same plan name | UnitedHealthcare | 91 | Continuing in 2027 Continuing — service area reduced |
| Wellcare Giveback Open (PPO) | Same plan name | Wellcare | 90 | Continuing in 2027 Continuing — service area reduced |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP) | Same plan name | UnitedHealthcare | 76 | Continuing in 2027 Continuing unchanged |
| HumanaChoice H5970-029 (PPO) | Same plan name | Humana | 75 | Continuing in 2027 Continuing — service area reduced |
| Humana USAA Honor Giveback (PPO) | Same plan name | Humana | 73 | Continuing in 2027 Continuing — service area reduced |
| Humana Gold Plus SNP-DE H3533-002 (HMO D-SNP) | Humana Gold Plus SNP-DE H3533-036 (HMO D-SNP) | Humana | 64 | Continuing in 2027 Continuing — plan ID may change |
| Wellcare Fidelis Assist (HMO-POS) | Same plan name | Wellcare | 54 | Continuing in 2027 Continuing — plan ID may change |
| MVP DualAccess Complete (HMO D-SNP) | Same plan name | Mvp Health Care | 53 | Continuing in 2027 Continuing unchanged |
| Wellcare Simple (HMO-POS) | Wellcare Fidelis Simple (HMO-POS) | Wellcare | 49 | Continuing in 2027 Continuing — plan ID may change |
| Wellcare Fidelis Dual Align (HMO D-SNP) | Wellcare Fidelis Dual Align Unity (HMO D-SNP) | Wellcare | 45 | Continuing in 2027 Continuing — service area expanded |
| Wellcare Dual Access Open (PPO D-SNP) | Same plan name | Wellcare | 44 | Continuing in 2027 Continuing — service area reduced |
| MVP Medicare Preferred Gold without Part D (HMO-POS) | Same plan name | Mvp Health Care | 39 | Continuing in 2027 Continuing unchanged |
| Wellcare Dual Access (HMO D-SNP) | Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) | Wellcare | 36 | Continuing in 2027 Continuing — service area reduced |
| Wellcare Assist Open (PPO) | Same plan name | Wellcare | 25 | Continuing in 2027 Continuing — service area reduced |
| Nascentia Dual Advantage (HMO D-SNP) | Same plan name | Nascentia Health Plus | 17 | Continuing in 2027 Continuing unchanged |
| Aetna Medicare Longevity (PPO I-SNP) | Same plan name | Aetna Medicare | 15 | Continuing in 2027 Continuing unchanged |
Your 5-step action plan
- Match the notice to your plan ID Your non-renewal letter should name the contract and plan ID. Compare it with the table above. Non-renewal notices for December 31 contract endings must be sent by October 2, 2026.
- List your doctors, hospital, and drugs Check each 2027 plan’s network and drug list. A lower premium can cost more if your doctors or prescriptions are out of network.
- Compare the 2027 plans in Saratoga Use the continuing-plan table above and Medicare Plan Finder. Confirm the plan is sold in Saratoga for 2027 and is accepting enrollment.
- Enroll by December 7, 2026 Coverage chosen during the Annual Election Period starts January 1, 2027. If you miss it, the non-renewal SEP runs December 8, 2026 through February 28, 2027.
- Check Medigap if you return to Original Medicare The federal guaranteed-issue window is 60 days before the plan ends through 63 days after. For a December 31, 2026 ending, that is November 1, 2026 through March 4, 2027.
If you do nothing
If your Medicare Advantage plan is non-renewed and you do not enroll in a replacement, your coverage ends on December 31, 2026. You return to Original Medicare on January 1, 2027. You may lose dental, vision, hearing, fitness, and other extra benefits that were included in the MA plan.
If your MA plan included Part D, you may also lose drug coverage. You can join a stand-alone Part D plan, but waiting can create a coverage gap and a late-enrollment penalty. If you return to Original Medicare and want a Medigap policy, the guaranteed-issue window is limited; applying after it closes can mean medical underwriting.
2027 deadlines for Saratoga
| Event | Date | What it means |
|---|---|---|
| Annual Election Period (AEP) | October 15 – December 7, 2026 | Join a 2027 Medicare Advantage or Part D plan. A plan chosen here starts January 1, 2027. |
| Non-renewal Special Enrollment Period | December 8, 2026 – February 28, 2027 | For people whose Medicare Advantage plan is leaving. You can switch to another MA plan or return to Original Medicare. |
| 2027 plan year begins | January 1, 2027 | If you do nothing, a non-renewed Medicare Advantage plan ends and you return to Original Medicare. |
| Medicare Advantage Open Enrollment Period | January 1 – March 31, 2027 | If you are already in a Medicare Advantage plan, you can make one change during this window. |
| Medigap guaranteed-issue window | November 1, 2026 – March 4, 2027 | If your MA plan is leaving, you can buy a Medigap policy without medical underwriting during this federal window. |
Medicare resources
- Medicare Plan Finder — compare every plan in your area and enroll.
- 1-800-MEDICARE (1-800-633-4227) — 24 hours a day, 7 days a week.
- Health Insurance Information, Counseling and Assistance (HIICAP) — 1-800-701-0501, free local counseling.
Saratoga Medicare Advantage questions
Is my Medicare Advantage plan leaving Saratoga in 2027?
Use the plan table above or the lookup tool. 7 of the 43 2026 Medicare Advantage plans in Saratoga are marked as terminated or non-renewed for 2027. The other 36 plans are continuing, but some are changing their plan ID or service area.
How many 2027 Medicare Advantage plans are left in Saratoga?
The crosswalk lists 37 distinct 2027 contract-plan targets for Saratoga. This is a derived count: the crosswalk maps plans, not county service areas. Confirm that a specific plan is sold in your county for 2027 with Medicare Plan Finder or the plan itself.
What happens if I do nothing?
If your plan is non-renewed, coverage ends December 31, 2026. On January 1, 2027 you return to Original Medicare. You may lose extra benefits, and a Medicare Advantage plan that included Part D may leave you without drug coverage. You can still use the non-renewal SEP through February 28, 2027 to join another plan.
What is the deadline to change plans?
The Annual Election Period runs October 15 through December 7, 2026. If your plan is leaving, the non-renewal Special Enrollment Period runs December 8, 2026 through February 28, 2027. If you return to Original Medicare and want Medigap, the federal guaranteed-issue window for a December 31 plan ending is November 1, 2026 through March 4, 2027.
Where can I get free help in New York?
Health Insurance Information, Counseling and Assistance (HIICAP) provides free, unbiased counseling. Call 1-800-701-0501 or visit the state SHIP page. You can also call 1-800-MEDICARE (1-800-633-4227) or use Medicare Plan Finder.
Does this page include every plan sold in my county?
No. Our plan list comes from the CMS CPSC files and includes Medicare Advantage plans with county-level enrollment. It excludes most employer group plans, PACE plans, and cost plans. If your plan is not listed, call the plan or Medicare.gov to confirm its 2027 status.
Why do you not show the 2027 premium?
The CPSC contract and enrollment files do not include 2027 premiums or drug deductibles. We do not estimate them. Confirm the premium, drug list, and network directly with the plan or Medicare Plan Finder.
Sources and data notes
Data version 2026-11-05; last updated November 5, 2026. Plan status comes from the CMS 2027 Part C&D Plan Crosswalk. Enrollment comes from the October 2026 CPSC county file. Star ratings are 2027 contract-level Part C ratings. Read the methodology and limitations.
- Monthly Enrollment by Contract/Plan/State/County (CPSC), October 2026 — Centers for Medicare & Medicaid Services.
- 2027 Part C&D Plan Crosswalk — Centers for Medicare & Medicaid Services.
- 2027 Star Ratings Data Tables — Centers for Medicare & Medicaid Services.
- MA Plan Directory — Centers for Medicare & Medicaid Services.
- Medicare Advantage in 2026: Enrollment Update and Key Trends — KFF.
- CNN: More than 3 million Medicare Advantage enrollees need to find new plans for 2027 — Better Medicare Alliance.
- Medicare Advantage insurer exits pile up for 2027 — Modern Healthcare.
- CMS Finalizes 2027 Medicare Advantage Rates: 1,471 Counties, 32 Carriers — SeniorWire.
Compiled and checked by the Medicare Plan Exits editorial team against the CMS source files listed above. This page is information only and is not insurance advice or a recommendation of any plan. Medicare Plan Exits is not affiliated with CMS, HHS, or Medicare.gov.