2027 plan year · CMS Landscape file, September 30, 2026
Medicare Advantage plans in Los Alamos County, New Mexico (2027)
In 2027, people with Medicare in Los Alamos County, New Mexico, can choose from 26 Medicare Advantage plans offered by 6 insurance companies. 24 include prescription drug coverage and 13 are Special Needs Plans. That is 5 fewer than in 2026. 10 standalone Part D drug plans are also sold statewide.
Plans by type
| Type | 2027 | 2026 | Change |
|---|---|---|---|
| HMO (including HMO-POS) | 10 | 10 | 0 |
| PPO | 16 | 21 | -5 |
| Include Part D drug coverage | 24 | 27 | -3 |
| Medical only (no drug coverage) | 2 | 4 | -2 |
| Special Needs Plans: dual Medicare and Medicaid (D-SNP) | 7 | 7 | 0 |
| Special Needs Plans: chronic condition (C-SNP) | 6 | 5 | +1 |
| Special Needs Plans: institutional (I-SNP) | 0 | 1 | -1 |
Special Needs Plans are counted in the HMO and PPO rows as well, since each is one or the other. HMO vs PPO → · What a Special Needs Plan is →
What these numbers mean for you
- Plans are approved by county. The 26 plans here are the ones you can join if you live in Los Alamos County. A neighbouring county may have a different list.
- One company, several plans. 6 companies offer these 26 plans, so most offer more than one, with different networks, drug lists and out-of-pocket limits.
- 13 plans have eligibility rules. Special Needs Plans are only for people with both Medicare and Medicaid, a qualifying chronic condition, or who live in a nursing facility. The other 13 are open to anyone in the county with Parts A and B.
- "$0 premium" is not free. 9 regular plans charge nothing beyond your Part B premium, but every plan has copays, a provider network and an out-of-pocket maximum. Compare the whole plan.
- Original Medicare is always an option. It works the same in every county, with any doctor that accepts Medicare, and can be paired with a Medigap policy and one of the 10 standalone Part D plans.
How to compare plans in Los Alamos County
- Start with your doctors and pharmacy. Check that they are in a plan's network before anything else. Why networks matter →
- Then your prescriptions. Every drug you take should be on the plan's formulary at a tier you can afford. Formulary →
- Compare the out-of-pocket maximum, not just the premium. It is your worst-case yearly cost for medical care. MOOP →
- Look at the Star Rating once Medicare publishes 2027 ratings in October. Star Ratings →
- Bring it all to a licensed agent or run it through the Medicare Plan Finder at Medicare.gov. Questions to ask →
Medicare offices near Los Alamos County
Sit down with a licensed agent, free. Each agent can show you the plans they represent and tell you which companies they do not.
Ayers Insurance – Rio Rancho
1740 Grande Blvd SE, Suite E5, Rio Rancho, NM 87124 · 48 mi
Call for hours
Criag and Nicole Ayers meet clients by appointment at their office on Grande Boulevard in Rio Rancho, and…
Ayers Insurance · 2 licensed agents
- Video appointments available
CIMA Insurance Solutions – Albuquerque
3118 San Mateo Blvd NE, Albuquerque, NM 87110 · 53 mi
Closed · opens 9 AM Monday
CIMA Insurance Solutions' office on San Mateo Boulevard in Albuquerque. A brokerage that shops several…
CIMA Insurance Solutions · 2 licensed agents
- Speaks Spanish
Gina Sanchez Agency – Albuquerque
1720 Louisiana Blvd NE, Suite 312, Albuquerque, NM 87110 · 55 mi
Closed · opens 9 AM Monday
Gina Sanchez Agency's office on Louisiana Boulevard in Albuquerque. Meet with a licensed broker in person to…
Gina Sanchez Agency LLC · 5 licensed agents
Enrollment dates for 2027 plans
Annual Enrollment for 2027 coverage runs October 15 to December 7, 2026. Medicare Advantage members can make one more change between January 1 and March 31, 2027. All 2027 dates → · What Medicare itself costs in 2027 →
Common questions
How many Medicare Advantage plans are available in Los Alamos County in 2027?
26 plans from 6 companies, counting each plan once. 24 include Part D drug coverage, 2 are medical-only, and 13 are Special Needs Plans limited to people who qualify. In 2026 there were 31.
Are there Medicare Advantage plans with no monthly premium in Los Alamos County?
Yes. 9 of the 13 regular (non-Special Needs) plans charge no plan premium beyond the Part B premium everyone pays. A zero premium does not mean zero cost: each plan has its own copays, network and out-of-pocket maximum, so compare the whole plan, not the premium.
Which insurance companies offer Medicare Advantage plans in Los Alamos County?
6 companies offer plans here in 2027. We do not list them by name because the agents in this directory do not represent every company. The Medicare Plan Finder at Medicare.gov shows every plan and company available in your ZIP code, and a licensed agent can tell you which ones they represent.
What is a Special Needs Plan, and are there any in Los Alamos County?
A Special Needs Plan is a Medicare Advantage plan limited to people in a specific situation. Los Alamos County has 7 for people with both Medicare and Medicaid, 6 for people with a qualifying chronic condition, and 0 for people living in a nursing facility.
How many standalone Part D drug plans are there in New Mexico?
10 standalone Part D plans from 5 companies in 2027, available in every county in the state. These are for people who keep Original Medicare, or whose Medicare Advantage plan has no drug coverage.
When can I enroll in or change a Medicare Advantage plan in Los Alamos County?
For 2027 coverage, during Annual Enrollment from October 15 to December 7, 2026. Medicare Advantage members get one more change between January 1 and March 31, 2027. Special Enrollment Periods apply if you move, lose coverage, or qualify for Medicaid or Extra Help.
Nearby counties
Source: CMS Medicare Advantage and Part D Landscape file, contract year 2027 (version 202609.1), released September 30, 2026. Counts are distinct plans approved for sale in the county for 2027, excluding employer-group plans and plans under sanction. Standalone Part D plans are offered by region and counted per state. Star Ratings for 2027 plans are published by Medicare in October.