New York Medicare Advantage Penetration Rates

Updated on February 28th, 2022

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What Are Medicare Advantage Enrollment and Penetration in ?

Some residents are signed up for Medicare Advantage plans in . That translates to a penetration rate of about % among all people eligible for Medicare.

What Is Medicare Advantage?

Medicare Advantage packages the same access to doctors and hospitals as Original Medicare with other benefits. These options include prescription drugs, vision and dental coverage. Private companies administer Medicare Advantage plans with deductibles, copayments, and coinsurance. Members usually get their benefits through an HMO or PPO.

Beneficiaries get lower premiums and a cap on out-of-pocket costs. But they get fewer choices of doctors and are limited to a geographic area for their plans.

What Are Trends in Medicare Advantage Enrollment in ?

enrollment numbers for Medicare Advantage plans have increased over the last dozen years. In 2008, about signed up for Medicare Advantage. In 2021, that number grew to some out of about residents who are eligible for Medicare.

What Are Noteworthy Trends in Medicare Advantage Penetration or Enrollment by County?

Enrollment in Medicare Advantage plans has steadily increased over the last three years.

Most recently over the last year, enrollment increased by about six percent, bolstering the rolls of enrollees by nearly 90,000.

The percentage of New Yorkers who enrolled in Medicare Advantage over Medicare has also increased.

In 2021, four out of 10 eligible for Medicare received their coverage from Medicare Advantage plans.

Some parts of the Empire State have seen a particularly large growth in Medicare Advantage enrollment. Since 2008, Sullivan County experienced a 520% spike, going from 3% to nearly 21% enrolled of the Medicare-eligible population.


More and more New Yorkers are choosing all-in-one Medicare Advantage plans for their health coverage. The most extensive growth occurred in the western part of the state, centered around Monroe County, which as of December 2021 had the highest penetration rate of some 66%. The county with the lowest penetration rate was Suffolk County at roughly 20%.

Source: Centers for Medicare and Medicaid Services, Medicare Advantage enrollment files by state, county and contract.

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