Medicare Advantage plans in New Jersey for 2027
Plenty of plans in every county, from Sussex to Cape May, but most of them come with an out-of-pocket ceiling close to the highest amount federal rules allow.
Camden, New Jersey: plans open to everyone on Parts A and B
41 plans
17 with a $0 premium and drug coverage · out-of-pocket limits $4,150 to $9,850 · best rating 5.0★ · 10 plan IDs of 2026 not renewed here
41 plans shown · monthly premium = Part C + Part D, before your Part B premium · stars: 2027 ratings published October 8, 2026
| Plan | Premium | Drug deductible | Max out of pocket | Stars |
|---|---|---|---|---|
| HumanaChoice Giveback H5216-116 (PPO)Humana · PPO · H5216-116-0 | $0 | no drugs | $4,150 | 4.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-221-0 | $0 | no drugs | $6,700 | 4.0★ |
| AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS)UnitedHealthcare · HMO-POS · H0755-038-0 | $0 | $685 | $7,150 | 3.5★ |
| AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS)UnitedHealthcare · HMO-POS · H0755-046-0 | $0 | $685 | $7,150 | 3.5★ |
| AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS)UnitedHealthcare · HMO-POS · H0755-037-0 | $0 | no drugs | $7,150 | 3.5★ |
| AARP Medicare Advantage Patriot No Rx NJ-MA2 (PPO)UnitedHealthcare · PPO · H8768-059-0 | $0 | no drugs | $7,150 | 3.5★ |
| HumanaChoice Giveback H5216-319 (PPO)Humana · PPO · H5216-319-0 | $0 | $700 | $8,000 | 4.0★ |
| HumanaChoice Giveback H7617-045 (PPO)Humana · PPO · H7617-045-0 | $0 | $700 | $8,000 | 4.5★ |
| HumanaChoice Giveback H7617-127 (PPO)Humana · PPO · H7617-127-0 | $0 | $700 | $8,250 | 4.5★ |
| HealthSpring Preferred (HMO)HealthSpring · HMO · H3949-054-0 | $0 | $500 | $8,900 | 3.0★ |
| Humana Gold Plus H6622-099 (HMO)Humana · HMO · H6622-099-1 | $0 | $700 | $9,050 | 4.0★ |
| Wellcare Assist (HMO-POS)Wellcare · HMO-POS · H0913-015-0 · was $45.20 in 2026 | $0 | $700 | $9,250 | 3.0★ |
| DEVOTED CHOICE 001 NJ (PPO)Devoted Health · PPO · H1390-001-0 | $0 | $650 | $9,350 | new |
| DEVOTED CHOICE GIVEBACK EXTRAS 006 NJ (PPO)Devoted Health · PPO · H1390-006-0 | $0 | $700 | $9,650 | new |
| Aetna Medicare Eagle Giveback (HMO)Aetna Medicare · HMO · H3152-045-0 | $0 | no drugs | $9,850 | 4.5★ |
| Aetna Medicare Eagle Giveback (PPO)Aetna Medicare · PPO · H5521-504-0 | $0 | no drugs | $9,850 | 4.5★ |
| Aetna Medicare Signature Extra (HMO)Aetna Medicare · HMO · H3152-082-0 | $0 | $700 | $9,850 | 4.0★ |
| AmeriHealth Medicare Classic Rx (HMO)AmeriHealth · HMO · H6407-002-0 | $0 | $700 | $9,850 | new |
| Clover Health Choice (PPO)Clover Health · PPO · H5141-032-0 | $0 | $350 | $9,850 | 5.0★ |
| Clover Health Choice Giveback (PPO)Clover Health · PPO · H5141-054-0 | $0 | $440 | $9,850 | 5.0★ |
| Clover Health Valor (PPO)Clover Health · PPO · H5141-061-0 | $0 | no drugs | $9,850 | 4.0★ |
| DEVOTED CHOICE GIVEBACK 002 NJ (PPO)Devoted Health · PPO · H1390-002-0 | $0 | $650 | $9,850 | new |
| Jefferson Health Plans Elite (HMO)Jefferson Health Plans · HMO · H9207-018-0 | $0 | $0 | $9,850 | 3.0★ |
| Wellpoint Extra Help (HMO)Wellpoint · HMO · H3240-026-0 | $0 | $0 | $9,850 | 3.0★ |
| HealthSpring True Choice (PPO)HealthSpring · PPO · H7849-149-0 · was $0 in 2026 | $15 | $700 | $9,850 | 3.0★ |
| AmeriHealth Medicare Core (PPO)AmeriHealth · PPO · H5361-001-0 · was $0 in 2026 | $18 | $700 | $9,850 | 3.0★ |
| AARP Medicare Advantage from UHC NJ-6 (PPO)UnitedHealthcare · PPO · H8768-058-0 · was $0 in 2026 | $29 | $685 | $9,400 | 4.0★ |
| Wellcare Low Premium (HMO-POS)Wellcare · HMO-POS · H0913-002-0 · was $34 in 2026 | $35 | $700 | $9,250 | 3.0★ |
| HumanaChoice H5216-461 (PPO)Humana · PPO · H5216-461-0 · was $31.10 in 2026 | $36.30 | $700 | $9,250 | 4.0★ |
| Clover Health Choice Value (PPO)Clover Health · PPO · H5141-042-0 · was $54 in 2026 | $36.30 | $450 | $9,850 | 5.0★ |
| Jefferson Health Plans Premier (PPO)Jefferson Health Plans · PPO · H3124-003-0 | $55 | $0 | $7,000 | 2.5★ |
| Aetna Medicare Elite (PPO)Aetna Medicare · PPO · H5521-123-0 · was $54 in 2026 | $65 | $700 | $9,850 | 4.0★ |
| AARP Medicare Advantage from UHC NJ-0004 (PPO)UnitedHealthcare · PPO · H8768-022-0 · was $45 in 2026 | $69 | $685 | $8,900 | 4.0★ |
| AARP Medicare Advantage from UHC NJ-0002 (HMO-POS)UnitedHealthcare · HMO-POS · H0755-044-0 · was $62 in 2026 | $79 | $595 | $7,150 | 3.5★ |
| AARP Medicare Advantage from UHC NJ-0005 (PPO)UnitedHealthcare · PPO · H8768-035-0 · was $72 in 2026 | $79 | $685 | $8,400 | 4.0★ |
| Aetna Medicare Enhanced (HMO-POS)Aetna Medicare · HMO-POS · H3152-022-0 · was $83 in 2026 | $79 | $700 | $9,850 | 4.0★ |
| Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO · H5521-512-0 · was $60 in 2026 | $80 | $700 | $9,850 | 4.0★ |
| Aetna Medicare Enhanced Extra (PPO)Aetna Medicare · PPO · H5521-124-0 · was $94 in 2026 | $104 | $700 | $9,850 | 4.0★ |
| Aetna Medicare Enhanced Advantage (PPO)Aetna Medicare · PPO · H5521-510-0 · was $91 in 2026 | $109 | $700 | $9,850 | 4.0★ |
| AARP Medicare Advantage from UHC NJ-0003 (HMO-POS)UnitedHealthcare · HMO-POS · H0755-045-0 · was $95 in 2026 | $115 | $595 | $6,900 | 3.5★ |
| Aetna Medicare Enhanced (Regional PPO)Aetna Medicare · Regional PPO · R6694-006-0 · was $139 in 2026 | $149 | $700 | $9,850 | 4.0★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
The figure that matters most in New Jersey for 2027 is not the premium but the cap: the median in-network out-of-pocket maximum among the state's 56 open Medicare Advantage plans is $9,750, against $6,550 nationally and a federal ceiling of $9,850. Choice itself is broad and even. Every one of the 21 counties has at least 28 open plans, and Camden County leads with 41. 25 drug-covering plans charge a $0 premium, and the lowest cap filed is $4,150, so low-cap plans exist; they are simply the minority. 38 plans hold four stars or better for 2027, and the top rating is 5. 15 special needs plans and 11 stand-alone drug plans, with a median premium of $120.50, are listed below.
Why so many New Jersey plans sit near $9,850
Each year CMS sets an upper limit on what a plan may charge you for covered in-network care, and an insurer may choose any cap at or below it. In New Jersey most chose to stay near the top. Half of the open plans have a cap of $9,750 or more. That design keeps premiums and copays low in a normal year, and shifts the risk onto the member in a bad one: a cancer treatment, a joint replacement with rehab, a long cardiac stay. The calculator below starts from the state's median cap.
What an out-of-pocket cap is worth in a bad year
The cap saves
$4,272
| Original Medicare alone (20%, 1 admission) | $14,022 |
| With the plan’s cap | $9,750 |
Against Original Medicare alone, which has no yearly limit at all, any cap is protection. Against a Medigap policy, which covers nearly all of the 20% coinsurance, a $9,750 cap is a real exposure, and that comparison is the one many New Jersey retirees face.
A star plan with a high ceiling
The highest-rated open plan, Clover Health Choice Giveback (PPO), holds 5 stars and a $0 premium, with a cap of $9,850. Ratings measure quality and member experience, not your worst-case bill, so the two columns in the county table deserve to be read together. For a lower ceiling, HumanaChoice Giveback H5216-116 (PPO) has the state's minimum at $4,150.
From Camden to Hunterdon
South Jersey has the deepest menus: Camden 41, Burlington 39, Gloucester 39. Camden County alone has 17 plans at $0. The thinner end is still generous: Hunterdon 28, Ocean 29, Warren 29. CVS Health Corporation (16), Humana Inc. (11), UnitedHealth Group, Inc. (9), Clover Health Holdings, Inc. (8), Devoted Health, Inc. (3) file the most plans. The total went from 72 in 2026 to 56, 16 fewer plans; county pages list the plan IDs that ended.
Every county of New Jersey, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Atlantic | 36 | 13 | $4,150 | 25 | -11 |
| Bergen | 34 | 14 | $4,500 | 25 | -5 |
| Burlington | 39 | 16 | $4,150 | 23 | -6 |
| Camden | 41 | 17 | $4,150 | 23 | -3 |
| Cape May | 33 | 11 | $4,150 | 23 | -4 |
| Cumberland | 33 | 11 | $4,150 | 23 | -4 |
| Essex | 33 | 14 | $4,500 | 21 | -4 |
| Gloucester | 39 | 16 | $4,150 | 23 | -1 |
| Hudson | 33 | 14 | $4,500 | 21 | -4 |
| Hunterdon | 28 | 11 | $6,750 | 22 | -3 |
| Mercer | 37 | 16 | $4,150 | 23 | -10 |
| Middlesex | 31 | 12 | $4,500 | 21 | -7 |
| Monmouth | 35 | 16 | $6,750 | 24 | -9 |
| Morris | 35 | 16 | $6,750 | 23 | -5 |
| Ocean | 29 | 11 | $6,900 | 17 | -7 |
| Passaic | 34 | 14 | $4,500 | 25 | -5 |
| Salem | 32 | 14 | $4,150 | 19 | -1 |
| Somerset | 33 | 15 | $6,750 | 22 | -2 |
| Sussex | 30 | 12 | $6,750 | 19 | same |
| Union | 37 | 17 | $4,500 | 25 | -7 |
| Warren | 29 | 13 | $6,750 | 18 | -2 |
Stand-alone Part D plans in New Jersey
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-139-0 | $5.30 | $5.30 | $700 | $22.80 | 3.0 |
| Wellcare Classic (PDP)Wellcare · S4802-078-0 · Extra Help benchmark | $24.30 | $0 | $700 | $28.20 | 3.0 |
| Humana Basic Rx Plan (PDP)Humana · S5884-131-0 · Extra Help benchmark | $28.30 | $0 | $700 | $4.40 | 4.5 |
| Humana Value Rx Plan (PDP)Humana · S5884-183-0 | $65.30 | $29 | $687 | $35.60 | 4.5 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-025-0 | $105.80 | $69.50 | $700 | new | 2.5 |
| SilverScript Choice (PDP)Aetna Medicare · S5601-008-0 | $120.50 | $84.20 | $700 | $97.40 | 2.5 |
| Horizon Medicare Blue Rx Standard (PDP)Horizon Blue Cross Blue Shield of New Jersey · S5993-001-0 | $130.30 | $94 | $700 | $72.30 | 2.5 |
| Humana Premier Rx Plan (PDP)Humana · S5884-150-0 | $131.20 | $94.90 | $350 | $111.90 | 4.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-349-0 | $138.50 | $102.20 | $700 | $77.40 | 3.0 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-386-0 | $210.70 | $174.40 | $300 | $118.90 | 3.0 |
| Horizon Medicare Blue Rx Enhanced (PDP)Horizon Blue Cross Blue Shield of New Jersey · S5993-003-0 | $217.90 | $181.60 | $300 | $139.10 | 2.5 |