2027 plan year · New Jersey
2027 Medicare Advantage plans in Middlesex County, NJ
42 plans from 9 insurers for 2027. 18 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $4,500.
- 31general plans
- 18$0-premium plans
- $4,500lowest out-of-pocket max
- 5 ★top star rating
- 11Special Needs Plans
2027 Medicare Advantage plans in Middlesex County, NJ
Sorted by Medicare star rating, then monthly premium and out-of-pocket limit. Premiums shown are the plan's own premium; you also keep paying your Part B premium.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| Clover Health Choice Giveback (PPO) Clover Health · PPO · includes drug coverage | $0 | $9,850 | $440 | ★★★★★5 |
| Clover Health Choice (PPO) Clover Health · PPO · includes drug coverage | $0 | $9,850 | $350 | ★★★★★5 |
| Clover Health Valor (PPO) Clover Health · PPO · no drug coverage | $0 | $9,850 | — | ★★★★★5 |
| Clover Health Choice Value (PPO) Clover Health · PPO · includes drug coverage | $36.30 | $9,850 | $440 | ★★★★★5 |
| HumanaChoice Giveback H7617-045 (PPO) Humana · PPO · includes drug coverage | $0 | $8,000 | $700 | ★★★★★4.5 |
| HumanaChoice Giveback H7617-127 (PPO) Humana · PPO · includes drug coverage | $0 | $8,250 | $700 | ★★★★★4.5 |
| Clover Health Value (HMO) Clover Health · HMO · includes drug coverage | $36.30 | $4,500 | $200 | ★★★★★4.5 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $6,750 | — | ★★★★★4 |
| AARP Medicare Advantage Patriot No Rx NJ-MA2 (PPO) UnitedHealthcare · PPO · no drug coverage | $0 | $7,150 | — | ★★★★★4 |
| HumanaChoice Giveback H5216-319 (PPO) Humana · PPO · includes drug coverage | $0 | $8,000 | $700 | ★★★★★4 |
| Humana Gold Plus H6622-100 (HMO) Humana · HMO · includes drug coverage | $0 | $9,000 | $325 | ★★★★★4 |
| Aetna Medicare Eagle Giveback (HMO) Aetna Medicare · HMO · no drug coverage | $0 | $9,850 | — | ★★★★★4 |
| Aetna Medicare Eagle Giveback (PPO) Aetna Medicare · PPO · no drug coverage | $0 | $9,850 | — | ★★★★★4 |
| Aetna Medicare Signature Extra (HMO) Aetna Medicare · HMO · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| Aetna Medicare Elite (HMO) Aetna Medicare · HMO · includes drug coverage | $25 | $9,850 | $700 | ★★★★★4 |
| AARP Medicare Advantage from UHC NJ-6 (PPO) UnitedHealthcare · PPO · includes drug coverage | $29 | $9,400 | $685 | ★★★★★4 |
| HumanaChoice H5216-461 (PPO) Humana · PPO · includes drug coverage | $36.30 | $9,250 | $700 | ★★★★★4 |
| AARP Medicare Advantage from UHC NJ-0004 (PPO) UnitedHealthcare · PPO · includes drug coverage | $69 | $8,900 | $685 | ★★★★★4 |
| AARP Medicare Advantage from UHC NJ-0005 (PPO) UnitedHealthcare · PPO · includes drug coverage | $79 | $8,400 | $685 | ★★★★★4 |
| Aetna Medicare Enhanced Extra (PPO) Aetna Medicare · PPO · includes drug coverage | $99 | $9,850 | $700 | ★★★★★4 |
| Aetna Medicare Signature (HMO) Aetna Medicare · HMO · includes drug coverage | $109 | $9,850 | $700 | ★★★★★4 |
| Aetna Medicare Enhanced (Regional PPO) Aetna Medicare · Regional PPO · includes drug coverage | $149 | $9,850 | $700 | ★★★★★4 |
| AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $7,150 | $685 | ★★★★★3.5 |
| AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $7,150 | $685 | ★★★★★3.5 |
| AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) UnitedHealthcare · HMO-POS · no drug coverage | $0 | $7,150 | — | ★★★★★3.5 |
| AARP Medicare Advantage from UHC NJ-0002 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $79 | $7,150 | $595 | ★★★★★3.5 |
| AARP Medicare Advantage from UHC NJ-0003 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $115 | $6,900 | $595 | ★★★★★3.5 |
| Wellcare Assist (HMO-POS) Wellcare · HMO-POS · includes drug coverage | $0 | $9,250 | $700 | ★★★★★3 |
| Wellpoint Extra Help (HMO) Wellpoint · HMO · includes drug coverage | $0 | $9,850 | $0 | ★★★★★3 |
| Wellcare Low Premium (HMO-POS) Wellcare · HMO-POS · includes drug coverage | $35 | $9,250 | $700 | ★★★★★3 |
| AmeriHealth Medicare Classic Rx (HMO) AmeriHealth · HMO · includes drug coverage | $0 | $9,850 | $700 | Plan too new to be measured |
Special Needs Plans (SNPs)
Only for people who qualify: Dual-Eligible plans need both Medicare and Medicaid, Chronic Condition plans need a qualifying condition, and Institutional plans are for nursing home residents.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| UHC Nursing Home Plan EX-F003 (PPO I-SNP) UnitedHealthcare · PPO I-SNP (Special Needs: Institutional) · includes drug coverage | $18.10 | $9,850 | $700 | ★★★★★5 |
| Longevity Health Plan (PPO I-SNP) Longevity Health Plan · PPO I-SNP (Special Needs: Institutional) · includes drug coverage | $18.80 | $9,850 | $700 | ★★★★★5 |
| Longevity Health Plan (PPO I-SNP) Longevity Health Plan · PPO I-SNP (Special Needs: Institutional) · includes drug coverage | $172 | $4,500 | $700 | ★★★★★5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,350 | $550 | ★★★★★4 |
| Horizon NJ TotalCare (HMO D-SNP) Horizon Blue Cross Blue Shield of New Jersey · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $36.30 | $9,850 | $700 | ★★★★★4 |
| UHC Complete Care NJ-8 (HMO-POS C-SNP) UnitedHealthcare · HMO-POS C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $7,150 | $685 | ★★★★★3.5 |
| Aetna Medicare FIDE (HMO D-SNP) Aetna Medicare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Wellpoint Kidney Care (HMO-POS C-SNP) Wellpoint · HMO-POS C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $105 | ★★★★★3 |
| UHC Dual Complete NJ-Y001 (HMO D-SNP) UnitedHealthcare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $4.10 | $9,850 | $700 | ★★★★★3 |
| Wellcare Fidelis Dual Align (HMO D-SNP) Wellcare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $28.40 | $9,850 | $700 | ★★★★★3 |
| Wellpoint Full Dual Advantage (HMO D-SNP) Wellpoint · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $30.70 | $9,850 | $700 | ★★★★★3 |
What changed from 2026 to 2027
- 4 plans are new here for 2027.
- 11 plans offered here in 2026 aren't listed for 2027 (for example Braven Medicare Freedom (PPO), Braven Medicare Salute - No Rx (PPO), Wellcare Patriot Simple (HMO-POS)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 38 plans offered both years, 13 raised the monthly premium and 8 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in Middlesex County
Medicare Advantage plans use networks. Before choosing, check that the hospitals and nursing homes you'd want are in the plan's network, and how they're rated.
Other coverage options
- Stand-alone Part D drug plans in New Jersey (for people with Original Medicare)
- Medicare Advantage vs. Original Medicare
Frequently asked questions
How many Medicare Advantage plans are available in Middlesex County, NJ for 2027?
42 plans from 9 insurers: 31 general plans open to anyone with Medicare Parts A and B who lives here, plus 11 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Middlesex County, NJ?
Yes. 18 general plans have a $0 monthly plan premium for 2027. You still pay your Medicare Part B premium, and copays and coinsurance still apply.
What is the highest-rated Medicare Advantage plan in Middlesex County, NJ?
Clover Health Choice Giveback (PPO) from Clover Health has the top Medicare star rating here (5 stars). Star ratings are given to the insurer's contract, so several plans can share one.
Which plan has the lowest out-of-pocket maximum in Middlesex County, NJ?
Clover Health Value (HMO) caps in-network out-of-pocket costs at $4,500 for 2027.