Medicare Advantage plans in New Mexico for 2027
A market in retreat: Albuquerque lost more plan IDs than it kept, one insurer files most of what remains, and premiums stay low across the board.
Bernalillo, New Mexico: plans open to everyone on Parts A and B
21 plans
15 with a $0 premium and drug coverage · out-of-pocket limits $3,800 to $8,000 · best rating 4.5★ · 17 plan IDs of 2026 not renewed here
21 plans shown · monthly premium = Part C + Part D, before your Part B premium · stars: 2027 ratings published October 8, 2026
| Plan | Premium | Drug deductible | Max out of pocket | Stars |
|---|---|---|---|---|
| Humana Gold Plus H0028-019 (HMO)Humana · HMO · H0028-019-0 | $0 | $700 | $3,800 | 4.5★ |
| Humana Total Complete (HMO)Humana · HMO · H4461-064-0 | $0 | $700 | $3,800 | 4.5★ |
| DEVOTED CORE 001 NM (HMO)Devoted Health · HMO · H9977-001-0 | $0 | $650 | $4,100 | new |
| HealthSpring Preferred (HMO)HealthSpring · HMO · H0672-005-0 | $0 | $500 | $4,300 | 2.5★ |
| DEVOTED GIVEBACK EXTRAS 015 NM (HMO)Devoted Health · HMO · H9977-015-0 | $0 | $700 | $5,850 | new |
| AARP Medicare Advantage Direct OTC from UHC NM-14 (PPO)UnitedHealthcare · PPO · H2406-142-0 | $0 | $685 | $5,900 | 4.0★ |
| AARP Medicare Advantage Direct Plus from UHC NM-15 (PPO)UnitedHealthcare · PPO · H2406-143-0 | $0 | $595 | $5,900 | 4.0★ |
| AARP Medicare Advantage Essentials from UHC NM-4 (PPO)UnitedHealthcare · PPO · H2406-089-0 | $0 | $580 | $5,900 | 4.0★ |
| Humana Value Choice (PPO)Humana · PPO · H5216-078-6 | $0 | $400 | $5,900 | 4.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-436-3 | $0 | no drugs | $6,200 | 4.0★ |
| AARP Medicare Advantage from UHC NM-0009 (HMO-POS)UnitedHealthcare · HMO-POS · H4604-027-0 | $0 | $205 | $6,700 | 4.0★ |
| AARP Medicare Advantage Extras from UHC NM-12 (PPO)UnitedHealthcare · PPO · H2406-140-0 | $0 | $685 | $7,150 | 4.0★ |
| AARP Medicare Advantage Giveback from UHC NM-7 (PPO)UnitedHealthcare · PPO · H2406-096-0 | $0 | $685 | $7,150 | 4.0★ |
| AARP Medicare Advantage Patriot No Rx NM-MA01 (PPO)UnitedHealthcare · PPO · H2406-080-0 | $0 | no drugs | $7,150 | 3.5★ |
| Blue Cross Medicare Advantage Basic (HMO-POS)Blue Cross and Blue Shield of IL, NM · HMO-POS · H3822-002-0 · was $20 in 2026 | $0 | $200 | $7,150 | 3.0★ |
| Humana Essentials Plus Giveback (PPO)Humana · PPO · H5216-435-3 | $0 | $450 | $7,850 | 4.0★ |
| DEVOTED GIVEBACK 002 NM (HMO)Devoted Health · HMO · H9977-002-0 | $0 | $461 | $8,000 | new |
| HumanaChoice H5216-223 (PPO)Humana · PPO · H5216-223-0 · was $9 in 2026 | $20 | $300 | $4,900 | 4.0★ |
| HumanaChoice H7617-068 (PPO)Humana · PPO · H7617-068-0 · was $9 in 2026 | $20 | $300 | $4,900 | 4.5★ |
| AARP Medicare Advantage from UHC NM-0001 (PPO)UnitedHealthcare · PPO · H2406-054-0 · was $33 in 2026 | $34 | $685 | $5,900 | 4.0★ |
| Humana Full Access (PPO)Humana · PPO · H7617-069-0 · was $64 in 2026 | $60 | $700 | $3,900 | 4.5★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
New Mexico enters 2027 with 39 Medicare Advantage plans open to anyone with Parts A and B, 11 fewer than the 50 filed for 2026, and the cuts hit the cities hardest. Bernalillo County, home to Albuquerque, now lists 21 open plans after 17 plan IDs from 2026 were not renewed. What remains is cheap at the counter: 29 of the drug-covering plans charge no premium, the highest premium anywhere in the state is $66 a month, and the median in-network cap is $5,900, below the national $6,550. UnitedHealth Group, Inc. files 22 of the open plans. Rural counties such as Harding, Otero, Union have only 3 to 3. 22 special needs plans, 12 of them for chronic conditions, and 10 stand-alone drug plans are listed below.
Albuquerque's shrinking menu
Of all the changes in New Mexico's 2027 file, the turnover in the Rio Grande corridor is the one most likely to land in a mailbox. Bernalillo and Sandoval each had 34 open plans for 2026; each has 21 now. Santa Fe County went from 31 to 20. If your plan is among those ended, the insurer's notice is not a formality: you have a special window to pick a replacement, either another Advantage plan or Original Medicare (42 CFR 422.62). The county pages list every plan ID that ended.
Days left in the annual change period
Days left to change for 2027
38
| Last day | December 7, 2026 |
| New plan starts | January 1, 2027 |
The fall window closes on December 7, 2026. After that, a Medicare Advantage member can still make one change between January 1, 2027 and March 31, 2027.
One dominant carrier
UnitedHealth Group, Inc. (22), Humana Inc. (9), Devoted Health, Inc. (6), Health Care Service Corporation (2): that is the full list of parent companies filing open plans, 4 in all. When one company holds more than half the plans, its provider contracts shape access for the whole state, so check whether your clinic and hospital are in a plan's network before looking at the premium.
A plan that leads on every measure
Humana Total Complete (HMO) is at once the highest-rated open plan (4.5 stars), a $0 premium plan, and the plan with the lowest cap in the state, $3,800. It is an HMO, and HMO networks in New Mexico concentrate in the larger towns. In Harding, Otero, Union, with 3 plans each, the choice is mostly between PPOs from national carriers, which by definition also pay for covered care outside their network (42 CFR 422.4).
Every county of New Mexico, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Bernalillo | 21 | 15 | $3,800 | 15 | -13 |
| Catron | 7 | 3 | $4,450 | 6 | -7 |
| Chaves | 7 | 3 | $4,450 | 6 | -6 |
| Cibola | 8 | 5 | $4,450 | 4 | -10 |
| Colfax | 7 | 3 | $4,450 | 6 | -6 |
| Curry | 7 | 3 | $4,450 | 6 | -5 |
| DeBaca | 7 | 3 | $4,450 | 6 | -4 |
| Dona Ana | 10 | 7 | $4,200 | 7 | -8 |
| Eddy | 7 | 3 | $4,450 | 6 | -3 |
| Grant | 11 | 8 | $4,200 | 8 | -6 |
| Guadalupe | 7 | 3 | $4,450 | 6 | -4 |
| Harding | 3 | 1 | $6,700 | 2 | -2 |
| Hidalgo | 4 | 3 | $4,200 | 4 | same |
| Lea | 5 | 1 | $4,900 | 4 | -4 |
| Lincoln | 8 | 5 | $4,750 | 4 | -1 |
| Los Alamos | 13 | 9 | $4,100 | 9 | -5 |
| Luna | 7 | 6 | $4,200 | 4 | -5 |
| McKinley | 4 | 1 | $4,900 | 3 | -1 |
| Mora | 11 | 7 | $4,450 | 10 | -2 |
| Otero | 3 | 1 | $6,700 | 2 | -5 |
| Quay | 7 | 3 | $4,450 | 6 | -4 |
| Rio Arriba | 14 | 10 | $4,100 | 10 | -10 |
| Roosevelt | 7 | 3 | $4,450 | 6 | -8 |
| San Juan | 7 | 3 | $4,900 | 6 | -4 |
| San Miguel | 18 | 12 | $3,800 | 14 | -2 |
| Sandoval | 21 | 15 | $3,800 | 15 | -13 |
| Santa Fe | 20 | 14 | $3,800 | 15 | -11 |
| Sierra | 8 | 5 | $4,200 | 8 | -3 |
| Socorro | 10 | 6 | $4,450 | 6 | -9 |
| Taos | 7 | 3 | $4,900 | 6 | -8 |
| Torrance | 20 | 14 | $3,800 | 14 | -9 |
| Union | 3 | 1 | $6,700 | 2 | same |
| Valencia | 18 | 12 | $3,800 | 15 | -6 |
Stand-alone Part D plans in New Mexico
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-159-0 | $5.30 | $5.30 | $700 | $0 | 3.0 |
| Humana Basic Rx Plan (PDP)Humana · S5884-110-0 · Extra Help benchmark | $6.30 | $0 | $700 | $0 | 4.5 |
| Wellcare Classic (PDP)Wellcare · S4802-090-0 | $7.30 | $1 | $700 | $0 | 3.0 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-013-0 | $9.30 | $3 | $700 | $145.40 | 2.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-371-0 | $10.30 | $4 | $700 | $0 | 3.0 |
| Humana Value Rx Plan (PDP)Humana · S5884-205-0 | $49.30 | $43 | $687 | $69.60 | 4.5 |
| SilverScript Choice (PDP)Aetna Medicare · S5601-052-0 | $86.50 | $80.20 | $700 | $104 | 2.5 |
| HealthSpring Extra Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-020-0 | $103.80 | $97.50 | $700 | $111.30 | 2.5 |
| Humana Premier Rx Plan (PDP)Humana · S5884-172-0 | $131.30 | $125 | $350 | $75.60 | 4.5 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-407-0 | $151.10 | $144.80 | $300 | $82.30 | 3.0 |