Best* Medicare Advantage Plans in New Mexico for 2027
Humana, UnitedHealthcare and Blue Cross Blue Shield (HCSC) have 2027 plans in New Mexico rated 3 stars or higher by Medicare in the 2027 CMS Star Ratings.
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2027 CMS Star Ratings
Best* Medicare Advantage plans in New Mexico (2027 CMS Star Ratings)
In the 2027 CMS Star Ratings, 4 Medicare Advantage plans in New Mexico share the highest rating among plans open to everyone with Medicare, 4.5 out of 5 stars: Humana Full Access (PPO) (Humana); Humana Gold Plus H0028-019 (HMO) (Humana); Humana Total Complete (HMO) (Humana); HumanaChoice H7617-068 (PPO) (Humana). Another 24 are rated 4 stars, listed next as also highly rated. Special needs plans, which only people who qualify can join, are listed separately: 7 are rated 4 stars or higher.
Of the 61 Medicare Advantage plans offered in New Mexico for 2027, 0 are rated 5 stars, 10 are rated 4.5 stars and 26 are rated 4 stars in the 2027 CMS Star Ratings, each plan counted once however many counties it serves. 12 plans have no 2027 star score: CMS lists 12 “Plan too new to be measured”.
*Best: the highest overall rating in the 2027 CMS Star Ratings among Medicare Advantage plans open to everyone with Medicare Parts A and B in New Mexico (4.5 out of 5). Medicare's rating, not our recommendation.
| Plan | Insurer | Plan type | 2027 overall rating |
|---|---|---|---|
| Highest rated: 4.5 out of 5, the top overall rating among plans open to everyone | |||
| Humana Full Access (PPO) | Humana | PPO | 4.5 out of 5 |
| Humana Gold Plus H0028-019 (HMO) | Humana | HMO | 4.5 out of 5 |
| Humana Total Complete (HMO) | Humana | HMO | 4.5 out of 5 |
| HumanaChoice H7617-068 (PPO) | Humana | PPO | 4.5 out of 5 |
| Also highly rated: rated 4 stars | |||
| AARP Medicare Advantage Direct OTC from UHC NM-14 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage Direct OTC from UHC NM-16 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage Direct Plus from UHC NM-15 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage Direct Plus from UHC NM-17 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage Essentials from UHC EP-1 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage Essentials from UHC NM-4 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage Essentials from UHC NM-5 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage Extras from UHC EP-3 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage Extras from UHC NM-12 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage Extras from UHC NM-13 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage from UHC EP-4 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage from UHC NM-0001 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage from UHC NM-0002 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage from UHC NM-0003 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage from UHC NM-0006 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage from UHC NM-0009 (HMO-POS) | UnitedHealthcare | HMO-POS | 4 out of 5 |
| AARP Medicare Advantage from UHC NM-0010 (HMO-POS) | UnitedHealthcare | HMO-POS | 4 out of 5 |
| AARP Medicare Advantage Giveback from UHC EP-2 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage Giveback from UHC NM-7 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage Giveback from UHC NM-8 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| Humana Essentials Plus Giveback (PPO) | Humana | PPO | 4 out of 5 |
| Humana Value Choice (PPO) | Humana | PPO | 4 out of 5 |
| HumanaChoice H5216-223 (PPO) | Humana | PPO | 4 out of 5 |
| HumanaChoice H5216-339 (PPO) | Humana | PPO | 4 out of 5 |
| Special needs plans rated 4 stars or higher (only for people who qualify) | |||
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | Humana | HMO C-SNP | 4.5 out of 5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | Humana | HMO C-SNP | 4.5 out of 5 |
| UHC Complete Care NM-11 (PPO C-SNP) | UnitedHealthcare | PPO C-SNP | 4.5 out of 5 |
| UHC Complete Care Support EP-1A (PPO C-SNP) | UnitedHealthcare | PPO C-SNP | 4.5 out of 5 |
| UHC Complete Care Support NM-1A (PPO C-SNP) | UnitedHealthcare | PPO C-SNP | 4.5 out of 5 |
| UHC Complete Care Support NM-2A (PPO C-SNP) | UnitedHealthcare | PPO C-SNP | 4.5 out of 5 |
| HumanaChoice - Diabetes and Heart (PPO C-SNP) | Humana | PPO C-SNP | 4 out of 5 |
Plans are offered county by county, so not every plan is available everywhere in New Mexico. Pick your county below for its plans, or use the plan finder on this page.
Compare plans for your ZIP code in Medicare's Plan Finder on Medicare.gov.
How the top plans are chosen
The plans listed first have the highest overall rating in the 2027 CMS Star Ratings among the Medicare Advantage plans in New Mexico open to everyone with Medicare: 4.5 out of 5 stars. Plans that share it are listed by name, not ranked, and the other plans rated 4 stars or higher follow. Special needs plans, which only people who qualify can join, are listed separately, and a plan without drug coverage has no overall rating, so it isn't counted. We only do this where the top rating is at least 4 stars.
Star Ratings are Medicare's measure of a plan's quality and members' experience, not our recommendation. A rating doesn't tell you whether a plan covers your doctors and prescriptions or what it costs, so compare plans for your ZIP code with the plan finder on this page.
Top-rated plans in your New Mexico county
| County | Plans offered | Rated 4 stars or higher | Highest rating |
|---|---|---|---|
| Bernalillo County | 36 | 20 | 4.5 out of 5 |
| Catron County | 16 | 8 | 4.5 out of 5 |
| Chaves County | 17 | 9 | 4.5 out of 5 |
| Cibola County | 20 | 6 | 4.5 out of 5 |
| Colfax County | 16 | 8 | 4.5 out of 5 |
| Curry County | 16 | 8 | 4.5 out of 5 |
| De Baca County | 16 | 8 | 4.5 out of 5 |
| Dona Ana County | 22 | 9 | 4.5 out of 5 |
| Eddy County | 17 | 9 | 4.5 out of 5 |
| Grant County | 23 | 10 | 4.5 out of 5 |
| Guadalupe County | 16 | 8 | 4.5 out of 5 |
| Harding County | 11 | 3 | 4.5 out of 5 |
| Hidalgo County | 12 | 5 | 4.5 out of 5 |
| Lea County | 15 | 7 | 4.5 out of 5 |
| Lincoln County | 20 | 6 | 4.5 out of 5 |
| Los Alamos County | 26 | 12 | 4.5 out of 5 |
| Luna County | 18 | 5 | 4.5 out of 5 |
| McKinley County | 13 | 5 | 4.5 out of 5 |
| Mora County | 21 | 13 | 4.5 out of 5 |
| Otero County | 11 | 3 | 4.5 out of 5 |
| Quay County | 16 | 8 | 4.5 out of 5 |
| Rio Arriba County | 27 | 13 | 4.5 out of 5 |
| Roosevelt County | 16 | 8 | 4.5 out of 5 |
| San Juan County | 16 | 8 | 4.5 out of 5 |
| San Miguel County | 33 | 19 | 4.5 out of 5 |
| Sandoval County | 36 | 20 | 4.5 out of 5 |
| Santa Fe County | 35 | 20 | 4.5 out of 5 |
| Sierra County | 17 | 10 | 4.5 out of 5 |
| Socorro County | 22 | 8 | 4.5 out of 5 |
| Taos County | 16 | 8 | 4.5 out of 5 |
| Torrance County | 35 | 19 | 4.5 out of 5 |
| Union County | 11 | 3 | 4.5 out of 5 |
| Valencia County | 30 | 20 | 4.5 out of 5 |
What Medicare Star Ratings measure
CMS rates every Medicare Advantage contract from 1 to 5 stars each year. For 2027, the health plan (Part C) rating looks at five areas: staying healthy (screenings, tests and vaccines), managing chronic (long-term) conditions, members' experience with the plan, member complaints and changes in the plan's performance, and the plan's customer service. A plan with drug coverage is also rated on four drug plan (Part D) areas: customer service, member complaints and changes in performance, members' experience, and drug safety and accuracy of drug pricing.
The scores come from member surveys, information plans and providers report, and Medicare's own data such as complaints and appeals. The overall rating combines the health and drug plan measures; a plan without drug coverage has a Part C summary rating instead. Ratings are given per contract, so every plan under the same contract carries the same stars.
The 5-star Special Enrollment Period
Medicare's 5-star Special Enrollment Period lets you switch, once, to a plan with a 5-star overall rating that is offered where you live, outside the usual enrollment periods. For plans rated 5 stars for 2027, it runs from December 8, 2026 through November 30, 2027.
In New Mexico, no plan has a 5-star overall rating for 2027, so this window does not apply here; the Annual Enrollment Period (Open Enrollment), October 15 through December 7, does.
If you switch from a plan with drug coverage to a 5-star plan without it, you could lose your drug coverage, so check before you switch.
Every year, Medicare evaluates plans based on a 5-star rating system.
These ratings are CMS's, not ours, and we do not recommend plans. A rating does not tell you whether a plan covers your doctors and drugs or what it charges.
Source: CMS 2027 Star Ratings Data Tables (Summary Ratings), released October 8, 2026; plans offered: CMS CY2027 Medicare Advantage Landscape file.
More on Medicare Advantage in New Mexico
Watch
The Medicare Advantage changes for 2027 in New Mexico, in 29 seconds
Transcript. Good evening. Across the country Medicare Advantage Plans are changing or all together leaving some states in 2027. That's right, in New Mexico, 27 plans are leaving and 19 are changing. But there is some good news as 15 new plans are entering the market with a fresh set of benefits to choose from. The bottom line: take a few minutes to compare Medicare Advantage plans in your area and see if your plan is affected.
Upcoming live session
Medicare Annual/Open Enrollment, live: questions on the 2027 changes in New Mexico
Medicare Annual/Open Enrollment 2027 live, day 8, morning: Medicare Advantage changes by state. Starts Oct. 22, 2026, 10 a.m. ET. Program-level information only; no plan is recommended.
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