Speak with a licensed insurance agent

1-855-454-9051

TTY user 711 Mon-Fri : 8am-9pm EST

EmblemHealth Medicare Advantage Plans 2027: VIP Plans, New York Counties and Changes

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 12, 2026

EmblemHealth is a New York nonprofit health insurer that sells Medicare Advantage plans under the EmblemHealth VIP name. Its plans are HMOs built around New York City, Long Island and Westchester.

For 2027, EmblemHealth is narrowing its focus. CMS’s 2027 plan data lists 7 individual EmblemHealth Medicare Advantage plans in 7 downstate counties, with new VIP Saver and VIP Core plans, while its upstate plan and its dual-eligible plans are no longer listed. Annual Enrollment runs October 15 to December 7, 2026, for coverage that starts January 1, 2027.

✔ Licensed across all 50 states✔ Built on CMS 2027 data✔ No-cost plan comparison

Compare EmblemHealth Medicare Advantage Plans for 2027

Speak with a licensed insurance agent

1-855-454-9051TTY 711

Mon-Fri: 8am-9pm ET

Agent 08
EmblemHealth Medicare Advantage plans 2027 overview: 7 HMO plans in 7 New York counties, new VIP Saver and Core, VIP Dual ending

EmblemHealth 2027 Plan Lineup

Here are the EmblemHealth VIP plans in CMS’s 2027 data and where each one is sold:

2027 Plan Plan Type Counties
EmblemHealth VIP Gold Plus HMO Bronx, Brooklyn, Manhattan, Queens, Nassau, Suffolk, Westchester
EmblemHealth VIP Gold HMO Brooklyn, Nassau, Suffolk, Westchester
EmblemHealth VIP Value (2 versions) HMO Bronx, Brooklyn, Queens, Nassau, Suffolk, and a separate Westchester version
EmblemHealth VIP Saver (2 versions, new) HMO Bronx, Brooklyn, Queens, Nassau, Suffolk, and a separate Westchester version
EmblemHealth VIP Core (new) HMO Brooklyn

Source: CMS 2027 Plan Benefit Package and plan service area data, individual (non-employer) plans.

All of EmblemHealth’s 2027 individual plans are HMOs, so you’ll generally choose a primary care doctor and use EmblemHealth’s network. Learn more about how Medicare Advantage HMO plans work.

What Changed at EmblemHealth for 2027

Comparing CMS’s 2026 and 2027 plan data, EmblemHealth made several changes:

✔

Dual-eligible plans end. VIP Dual, VIP Dual Enhanced and VIP Dual Reserve, the plans for people with both Medicare and Medicaid, are not listed for 2027.

✔

The upstate plan ends. VIP Value (HMO-POS), sold in upstate counties such as Albany and Broome, is not listed for 2027.

✔

Fewer counties. EmblemHealth’s 2027 individual plans are sold only in Bronx, Kings, New York, Queens, Nassau, Suffolk and Westchester counties. Staten Island, Dutchess, Orange and Putnam are no longer included.

✔

New plans. VIP Saver and VIP Core are new for 2027, and VIP Value is now a standard HMO in the New York City area.

If your EmblemHealth plan is ending, your coverage continues through December 31, 2026, and you can choose a new plan during Annual Enrollment or a Special Enrollment Period. You may also have a guaranteed issue right to buy certain Medigap plans. See our guide to Medicare Advantage plans in New York for other options.

Compare EmblemHealth Medicare Advantage Plans for 2027

Speak with a licensed insurance agent

1-855-454-9051TTY 711

Mon-Fri: 8am-9pm ET

Agent 08
EmblemHealth 2027 plan changes: continuing VIP Gold Plus, Gold and Value, new VIP Saver and Core, VIP Dual plans and upstate VIP Value not listed

What EmblemHealth Plans May Include

Benefits depend on the plan and county, but EmblemHealth VIP plans may include:

✔

Medical and hospital coverage through EmblemHealth’s New York network.

✔

Prescription drug coverage, with Part D out-of-pocket costs capped at $2,400 in 2027.

✔

Dental, vision and hearing benefits, depending on the plan.

✔

A range of plan levels, from the new VIP Saver plans to VIP Value, VIP Gold and VIP Gold Plus.

CMS’s 2027 data doesn’t show an over-the-counter allowance on EmblemHealth’s individual plans. Not all plans offer all benefits, so check each plan’s 2027 Summary of Benefits for exact premiums, copays and out-of-pocket limits.

EmblemHealth Star Ratings and Other New York Options

Star ratings are given to each Medicare contract. Most EmblemHealth plans are on its HIP contract, H3330, and VIP Core is on contract H5991. The national average rating for 2027 is 3.99. Look up the exact rating for any EmblemHealth plan in Medicare Plan Finder, or see every carrier in our 2027 Medicare Advantage star ratings.

In New York City and Long Island, you can compare EmblemHealth with plans from carriers such as Humana, UnitedHealthcare, Aetna and Devoted Health, which is new to New York for 2027.

Who EmblemHealth Fits

A good fit if you:

✔

Live in the Bronx, Brooklyn, Manhattan, Queens, Nassau, Suffolk or Westchester

✔

Already see doctors in EmblemHealth’s network

✔

Are comfortable with an HMO and a primary care doctor

✔

Want to compare several plan levels from one New York carrier

Look harder at other options if you:

!

Have both Medicare and Medicaid, since EmblemHealth’s dual plans are ending

!

Live upstate, on Staten Island or in Dutchess, Orange or Putnam County

!

Want a PPO with out-of-network coverage

Before You Enroll: 2027 Checklist

1

Confirm your county. EmblemHealth sells individual plans in only 7 counties for 2027.

2

Check your doctors and hospitals. HMO plans work best when your providers are in network.

3

Run your prescriptions. Compare drug costs across EmblemHealth and other carriers.

4

Compare VIP Saver, Value and Gold. A lower premium can mean higher copays.

5

Read your Annual Notice of Change. VIP Dual and upstate VIP Value members need a new plan.

6

Mark the dates. Medicare Open Enrollment 2027 runs October 15 to December 7, 2026.

EmblemHealth Medicare Advantage Plans for 2027: Costs & Benefits

Speak with a licensed insurance agent

1-855-454-9051TTY 711

Mon-Fri: 8am-9pm ET

Agent 08

EmblemHealth Medicare Advantage 2027 — Frequently Asked Questions

➤ What is EmblemHealth?

EmblemHealth is a New York nonprofit health insurer. It sells Medicare Advantage plans under the EmblemHealth VIP name, mainly in New York City, Long Island and Westchester.

➤ What EmblemHealth Medicare Advantage plans are available in 2027?

CMS’s 2027 data lists 7 individual EmblemHealth plans: VIP Gold Plus, VIP Gold, two VIP Value plans, two new VIP Saver plans and the new VIP Core plan. All of them are HMOs.

➤ Where are EmblemHealth Medicare Advantage plans available in 2027?

EmblemHealth’s 2027 individual plans are sold in Bronx, Kings (Brooklyn), New York (Manhattan), Queens, Nassau, Suffolk and Westchester counties. Not every plan is sold in every one of those counties.

➤ Is EmblemHealth VIP Dual ending in 2027?

Yes. VIP Dual, VIP Dual Enhanced and VIP Dual Reserve are not listed in CMS’s 2027 data. Members should choose a new plan during Annual Enrollment or a Special Enrollment Period.

➤ Is EmblemHealth leaving upstate New York?

EmblemHealth’s VIP Value (HMO-POS) plan, sold in upstate counties such as Albany and Broome, is not listed for 2027. Its 2027 individual plans are sold only in New York City, Long Island and Westchester.

➤ What is EmblemHealth VIP Saver?

VIP Saver is a new EmblemHealth HMO for 2027. One version is sold in the Bronx, Brooklyn, Queens, Nassau and Suffolk, and a separate version is sold in Westchester.

➤ What is the EmblemHealth star rating for 2027?

Ratings are set by contract. Most EmblemHealth plans are on its HIP contract, H3330, and VIP Core is on H5991. Check your plan’s 2027 rating in Medicare Plan Finder. The national average for 2027 is 3.99.

➤ Is EmblemHealth an HMO or PPO?

EmblemHealth’s 2027 individual Medicare Advantage plans are all HMOs. You’ll generally choose a primary care doctor and use EmblemHealth’s network, except for emergencies and urgent care.

➤ Does EmblemHealth cover Staten Island in 2027?

No. CMS’s 2027 data does not list any individual EmblemHealth Medicare Advantage plan in Richmond County (Staten Island). Staten Island members should compare other plans in their ZIP code.

➤ When can I enroll in an EmblemHealth plan for 2027?

Annual Enrollment runs October 15 to December 7, 2026, with coverage starting January 1, 2027. If you’re already in a Medicare Advantage plan, you can also make one change from January 1 to March 31, 2027.

New to Medicare?

If you are new to Medicare, then you can enroll in a 2027 Medicare Advantage plan up to three months prior to your Medicare Part B effective date.

Call one of our licensed insurance agents to see what the best time frame is for you to enroll, based on your current situation. You can contact them at 1-855-409-6195 (TTY 711), Mon–Fri 8am–9pm EST.

Have Questions?

Speak with a licensed insurance agent

1-855-454-9051

TTY users 711

Mon-Fri: 8am-9pm ET

Compare plans & benefits in your area

Or speak with a licensed insurance agent

1-855-454-9051TTY 711

Mon-Fri: 8am-9pm ET

Agent 08
CompareMedicareAdvantage.org
1200 Lakeway Drive #17A Austin, TX 78734

TERMS & CONDITIONS | PRIVACY POLICY
About Us | Editorial Standards | Contact Us | Medicare Disclaimer | Privacy Policy | Terms & Conditions

This website and Medicare Advantage plans are not affiliated or connected with the Federal Medicare program or any other government agency. We do not offer every plan available in your area. Currently we represent 193 organizations which offer 4,624 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Data represented is for the plan year 2027. CompareMedicareAdvantage.org is a Website owned and operated by ZRN Health & Financial Services, LLC, a Texas limited liability company. *You must continue to pay your Medicare Part B premium. $0 premium plans may not be available in all areas. Not all plans offer all benefits mentioned. By submitting your information in the form and clicking ‘Find Plans’, you agree to this site’s privacy policy and expressly consent to be contacted at the number entered in the form, (including a wireless number if provided) by insurance professionals or other partners offering related offers that might be of interest to me by phone or email. You understand that these calls may be generated using an automatic telephone dialing system, a pre-recorded message or artificial voice, or by sending SMS messages. Your telephone company may impose additional charges on the subscriber for such messages. You understand that you are not required to provide this authorization to purchase goods or services. Receiving quotes through our website is always free and you are under no obligation to purchase any goods or services as a result of this request. The Medicare plans represented are PDP, HMO, PPO or PFFS plans with a Medicare contract. Enrollment in plans depends on contract renewal. Enrollment in a plan may be limited to certain times of the year unless you qualify for a special period or you are in your Medicare Initial Election Period. Deductibles, copay and coinsurance may apply. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.