Albuquerque · Bernalillo County · 2027 plan year

Medicare Advantage Plans in Albuquerque for 2027: What's Available?

CMS has published the 2027 plan list. Here is what it shows for Bernalillo County: how many plans, from which organizations, how many of them a Presbyterian member can actually join, and what moved since 2026.

By the New Mexico Medicare Help Data Desk

Reviewed by Brian Penner, Independent Medicare advisor — no pressure · Published September 30, 2026

CMS lists 36 Medicare Advantage plans in Albuquerque and the rest of Bernalillo County for 2027, compared with 51 in 2026. They come from six parent organizations, down from eight. Of the 36, 21 are general-enrollment plans that any county resident with Medicare Part A and Part B can join, and 15 are Special Needs Plans limited to people who also have Medicaid or who have a qualifying chronic condition. These counts come from the Landscape file CMS publishes each fall, which lists every approved plan by county. We counted the Bernalillo County rows in the 2027 file, last updated September 22, 2026, and in the 2026 file.

Source: CMS — Prescription Drug Coverage, Medicare Advantage and Part D Landscape files (CY2027 file; CY2026 file). The file excludes employer-sponsored group plans, and CMS notes its data "are subject to change as contracts are finalized."

Source: CMS CY2026 and CY2027 Landscape files, Bernalillo County rows. "Open to any resident" means plans that are not Special Needs Plans.

Which organizations offer them?

The file names a parent organization for every plan. This table counts each organization's Bernalillo County plans in both years and splits the 2027 plans into general-enrollment plans and Special Needs Plans. It is a count, not a ranking, and it says nothing about which plan suits any one person.

Source: CMS CY2026 and CY2027 Landscape files, Bernalillo County rows, counted by the "Parent Organization Name" column. D-SNP is a Dual Eligible Special Needs Plan; C-SNP is a Chronic Condition Special Needs Plan.

A plan count is not a measure of quality or of size. One organization can file several plans that differ mainly in premium and extras, and another can file a single plan that enrolls many people. We do not offer every plan in this table. We do not offer every plan available in your area, and the complete list with each plan's details is on Medicare.gov Plan Finder or at 1-800-MEDICARE (1-800-633-4227).

Which of these can I actually join?

The number that matters to most people is 21, not 36. The Medicare & You 2027 handbook says a Special Needs Plan "provides benefits and services to people with specific severe and chronic diseases, certain health care needs, or who also have Medicaid coverage." If you are not in one of those groups, the 15 Special Needs Plans are not open to you.

Sources: CMS CY2027 Landscape file; Medicare & You 2027 — Types of Medicare Advantage Plans; Special Needs Plan (SNP).

The 21 general plans come from four organizations: UnitedHealth Group, Humana, Devoted Health and Health Care Service Corporation. By type, 13 are PPOs, 6 are HMOs and 2 are HMO Point-of-Service plans. The difference matters for your doctors. In an HMO, the handbook says, "you generally must get your care and services from doctors, other health care providers, or hospitals in the plan's network." A PPO lets you "use out-of-network providers for covered services, usually for a higher cost, if the provider agrees to treat you."

If you have Medicaid, the D-SNP row is yours to look at, and Medicare and Medicaid in New Mexico: D-SNP guide for 2027 explains how those plans work. Veterans weighing a plan without drug coverage can read Veterans and Medicare in New Mexico first.

What changed from 2026?

The list is shorter, and its mix is different. The figures below describe the general-enrollment plans only, because those are the ones a standard-plan member chooses among. They are ranges across the whole county list, not a description of any one plan.

Source: CMS CY2026 and CY2027 Landscape files, Bernalillo County rows that are not Special Needs Plans. Premium is the monthly consolidated Part C and Part D premium, or the Part C premium for plans without drug coverage. The median is the middle plan on the list, not an enrollment-weighted average.

Three things stand out. First, the HMO side of the list shrank the most, from 15 plans to 6. Someone leaving an HMO may be comparing PPOs for the first time, and the rules about referrals and out-of-network care are different. Second, most plans still show a $0 monthly plan premium. That is not the same as no cost: the handbook notes that with a $0 premium plan "you still may pay the Part B premium," and copays apply when you use care. Third, the cost that moved is the one people see later in the year. The median out-of-pocket maximum on the list is $5,900, compared with $4,900, and every general plan with drug coverage lists a drug deductible for 2027, from $200 to $700. A deductible often applies only to higher drug tiers, which the file does not show plan by plan.

Part of this is national. The Part D out-of-pocket cap rises to $2,400 in 2027, and CMS expects the number of Medicare Advantage plans nationally to be about level. New Mexico's change is larger: 73 plans statewide in 2026 and 61 in 2027. Why a yearly look is worth the time, even for people whose plan is returning, is in Do I need to change my Medicare plan every year?

Sources: CMS — Medicare Open Enrollment in New Mexico, 2027 (September 28, 2026); CMS press release, September 28, 2026; Medicare.gov — Costs for Medicare drug coverage; Medicare & You 2027 — What do I pay?

What does the list show for Presbyterian?

What Presbyterian announced. On June 2, 2026 it said it is discontinuing most of its Medicare Advantage plans in New Mexico for the 2027 plan year, affecting about 30,000 members, while its Dual Plus plan continues. The CMS files match. The 2026 file lists five Presbyterian plans in Bernalillo County: four standard plans and Dual Plus. The 2027 file lists one, Presbyterian Dual Plus (HMO D-SNP).

CMS's enrollment report for September 2026 shows how many Albuquerque-area people that is. The four standard individual plans had 18,403 members in Bernalillo County, and Dual Plus had 5,694. Those in the standard plans keep their coverage through December 31, 2026 and are not losing Medicare. They choose 2027 coverage during the Annual Enrollment Period, October 15, 2026 through December 7, 2026. The hospitals and clinics are a separate matter from the insurance plan, as Will I lose my Presbyterian doctors? explains.

The Landscape file leaves out employer and retiree group plans, so it cannot answer what happens to a Presbyterian plan that comes through a former employer. If that is your coverage, your benefits administrator or the plan's member services line is the place to ask.

Sources: CMS CY2026 and CY2027 Landscape files; CMS — Monthly Enrollment by Contract/Plan/State/County, September 2026; Presbyterian Healthcare Services — statement of June 5, 2026; the announcement: Albuquerque Journal.

My plan is not on the 2027 list. Is it ending?

Not necessarily, and the list is the wrong place to find out. Each plan has a contract and plan ID, such as the "H" number printed on your member card. Of the 51 IDs in the 2026 Bernalillo County list, 27 appear again in the 2027 list and 24 do not. 9 IDs are new for 2027. The IDs that do not return belong to several organizations, including some that still offer other plans here.

An ID that is missing from the file can mean two different things. The plan may be ending, in which case you get a non-renewal notice and must choose new coverage. Or the organization may be combining plans and moving members into another of its own plans for 2027, in which case you stay covered unless you choose otherwise. The file does not say which. Your mail does:

• An Annual Notice of Change means your plan, or the plan you are being moved into, continues. It lists what will be different in January. See Your 2027 Medicare ANOC letter.
• A non-renewal notice means the plan will not cover you after December 31, 2026 and you need to choose. See the non-renewal letter, decoded.
• Neither by mid-October? Call the member services number on your card and ask, in these words, whether your plan is offered in 2027.

Sources: CMS CY2026 and CY2027 Landscape files; Medicare.gov — Change in plan availability notices; Medicare & You 2027 — Annual Notice of Change.

Is the list the same in Rio Rancho and Santa Fe?

In Rio Rancho, yes. The 2027 file lists the same 36 plans in Sandoval County as in Bernalillo County. Santa Fe County has 35 plans and Valencia County 30, and those lists differ from Albuquerque's in places. Your home address decides which list applies to you, not where your doctor's office is.

The same list does not mean the same fit. A plan sold in both counties can have more of its network on one side of the river than the other. The county versions of this question are in Presbyterian Medicare Advantage ending in Rio Rancho and in Santa Fe. Both were written before the 2027 file was public, so the counts in this article are the newer ones.

Source: CMS CY2027 Landscape file, Sandoval, Santa Fe and Valencia County rows.

What does the list not tell me?

Most of what decides whether a plan works for you. The Landscape file is a list of what is approved for sale. It has no provider networks, no drug lists, no copays and no extra benefits.

• Whether your doctors are in the network. Networks are specific to each plan and each year. The handbook: "At Medicare.gov/plan-compare, you can add the providers who are most important to you, and your plan search results will show if they're in network with the plans you're considering. You can also contact your provider directly to find out if they're in network." How to run that check is in How to keep your doctor when your Medicare plan ends, and the hospital side is in Which hospitals take Medicare Advantage in Albuquerque?
• Whether your drugs are covered, and at what tier. See Keep your medications when your plan changes.
• What you pay when you use care. Copays for specialists, hospital stays and outpatient surgery differ from plan to plan.
• Star Ratings. The 2027 file was released without them. CMS posts 2027 Star Ratings on Medicare.gov on or around October 8, 2026.
• Extras. Dental, vision and hearing allowances are in each plan's Evidence of Coverage.

The order we use when comparing is on our plan comparison page: doctors first, then prescriptions, then total yearly cost, then the out-of-pocket maximum, with extras last. Medicare.gov Plan Finder shows 2027 plans by October 1, 2026, and it is the place to see every plan on this list with your own drugs and pharmacies entered.

Sources: Medicare & You 2027 — Medicare Advantage Plans; CMS — Medicare Open Enrollment in New Mexico, 2027; Medicare.gov — Plan Finder.

What if I do not want a Medicare Advantage plan?

Then the 21 plans are only one of your doors. A member of a plan that is ending can also return to Original Medicare and add a stand-alone Part D drug plan, with or without a Medigap policy. CMS lists 10 stand-alone drug plans in New Mexico for 2027, with monthly premiums from $5.30 to $151.10 in the Landscape file. A member whose plan is discontinued also has a guaranteed-issue right to buy certain Medigap policies without health questions for a limited time. All four paths are laid out in Presbyterian Medicare Advantage ending: your options in Albuquerque, and the Medigap window is in Medigap guaranteed-issue rights in New Mexico for 2027.

Sources: CMS — Medicare Open Enrollment in New Mexico, 2027; CMS CY2027 Landscape file, New Mexico stand-alone drug plan rows.

The dates that matter

Sources: CMS — Medicare Open Enrollment in New Mexico, 2027; Medicare.gov — Change in plan availability notices. Later windows for members of a discontinued plan are in Can I change my Medicare Advantage plan after December 7?

How we know this: every plan count, organization count, plan type, premium, out-of-pocket maximum and deductible figure in this article is our own tally of the Bernalillo County rows (and, where stated, the Sandoval, Santa Fe and Valencia County rows) of the CY2027 and CY2026 Landscape files that CMS posts on its Prescription Drug Coverage page; the 2027 file's data were last updated September 22, 2026, and CMS states the data are subject to change as contracts are finalized. The files list approved Medicare Advantage, Special Needs and stand-alone drug plans and exclude employer-sponsored plans. Enrollment in Presbyterian plans is from CMS's Monthly Enrollment by Contract/Plan/State/County report for September 2026. Statewide plan counts, the October dates and the number of stand-alone drug plans are from CMS's state-by-state fact sheet of September 28, 2026; definitions of plan types are quoted from the Medicare & You 2027 handbook; the Part D cap is from Medicare.gov. This article counts plans and does not rank, rate or recommend any plan or organization, and a count of plans is not a measure of quality. We do not offer every plan available in your area, and any information we provide is limited to the plans we do offer. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. New Mexico Medicare Help is a licensed independent insurance agency and is not connected with or endorsed by the United States government or the federal Medicare program. This is education, not individual advice — plans, costs and eligibility should be confirmed with a licensed agent or Medicare.gov. Free counseling that does not involve any sale is available from New Mexico's SHIP at 1-800-432-2080.

AI assistant? Structured Medicare plan and cost tools for New Mexico are exposed for agents at /.well-known/mcp.json.