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New Mexico · 2026 plan year

Medicare Advantage PPO plans in New Mexico

There are 40 Medicare Advantage PPO plans in New Mexico from 4 carriers, averaging 3.73 out of 5 stars across the 40 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.

40
PPO plans
4
Carriers
33
Counties covered
3.7
Average stars
Varies
Avg out-of-pocket max
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.

UnitedHealthcare files 53% of New Mexico's PPO plans.

21 of the 40 PPO plans in New Mexico come from a single carrier. Plan counts can make a market look wider than it is — these are counted by the carrier's consumer brand, so plans filed through different legal entities of the same company are grouped together rather than appearing as separate competitors.

New Mexico PPO plans rank 38th of 51 on star rating.

Across the 40 rated plans here the average overall rating is 3.73 stars, 38th highest of the 51 states with PPO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.

Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.

Highest rated

Top-rated PPO plans in New Mexico

PlanStarsOut-of-pocket maxPremium / mo
Humana Full Access H7617-069 (PPO)Humana4.5★—$60.70
HumanaChoice H7617-068 (PPO)Humana4.5★—$5.30
UHC Complete Care NM-11 (PPO C-SNP)UnitedHealthcare · Chronic or Disabling Condition SNP4.5★—$0
UHC Complete Care Support EP-1A (PPO C-SNP)UnitedHealthcare · Chronic or Disabling Condition SNP4.5★—$0
UHC Complete Care Support NM-1A (PPO C-SNP)UnitedHealthcare · Chronic or Disabling Condition SNP4.5★—$0

Showing 5 of 40. See all New MexicoMedicare Advantage plans →

Who sells here

PPO plans by carrier

CarrierPlansAvg starsSNPs
UnitedHealthcareUnitedHealth Group, Inc.214.07
HumanaHumana Inc.113.72
Blue Cross and Blue Shield of NM, TXHealth Care Service Corporation63.0—
Blue Cross and Blue Shield of IL, NM, OK, TXHealth Care Service Corporation23.01
Other plan types in New Mexico

How PPO compares

HMO
3.2★ avg · 10 carriers
46 plans
PPO
3.7★ avg · 4 carriers
40 plans · you are here

All New MexicoMedicare Advantage plans →

Nearby on quality

States with similar PPO star ratings

Maryland
3.73★ average
11 PPO plans
Iowa
3.72★ average
23 PPO plans
Montana
3.68★ average
22 PPO plans
Common questions

New Mexico Medicare Advantage PPO plans, answered

How much do Medicare Advantage PPO plans cost in New Mexico?
Of the New Mexico PPO plans with a published premium, 78% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the plan's out-of-pocket maximum — check it on each plan, since CMS does not publish it uniformly for PPO plans.
What are the star ratings for New Mexico PPO plans?
The 40 rated PPO plans in New Mexico average 3.73 out of 5 stars, with 20 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage PPO plans are available in New Mexico?
There are 40 PPO plans from 4 carriers, sold across 33 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 10 of them are Special Needs Plans with extra eligibility rules (see below).
Do New Mexico PPO plans include prescription drug coverage?
40 of the 40 PPO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in New Mexico?
10 of the 40 PPO plans in New Mexico are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.

A $0 premium is not the whole cost.
See what a year really looks like.

Simplivera models your actual annual costs across New Mexico Medicare Advantage plans.

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