Best Medicare Advantage Plans in New Jersey for 2027
Every general-audience Medicare Advantage plan with drug coverage in New Jersey, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
New Jersey plans, ranked
Showing all 48 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Clover Health Value (HMO)Clover Health · HMO7 of 21 counties · drug deductible $200Dental up to $2,000/yr · eyewear $250/yr · OTC items $600/yr | $36.30 | $4,500 | $4,936 | 4.5★ |
| 2 | Clover Health Classic (HMO)Clover Health · HMO6 of 21 counties · drug deductible $0Dental up to $1,250/yr · eyewear $200/yr · OTC items $260/yr | $0 | $6,000 | $6,000 | 4.5★ |
| 3 | HumanaChoice Giveback H7617-045 (PPO)Humana · PPO19 of 21 counties · drug deductible $700Part B giveback $108/mo · Dental up to $1,250/yr · eyewear $200/yr | $0−$108 Part B giveback | $8,000 | $6,704 | 4.5★ |
| 4 | HumanaChoice Giveback H5216-319 (PPO)Humana · PPO19 of 21 counties · drug deductible $700Part B giveback $106/mo · Dental up to $1,250/yr · eyewear $200/yr | $0−$106 Part B giveback | $8,000 | $6,728 | 4★ |
| 5 | AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS)UnitedHealthcare · HMO-POSAll 21 counties · drug deductible $685Preventive dental | $0 | $7,150 | $7,150 | 3.5★ |
| 6 | AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS)UnitedHealthcare · HMO-POSAll 21 counties · drug deductible $685Dental up to $1,250/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 7 | Jefferson Health Plans Premier (PPO)Jefferson Health Plans · PPO8 of 21 counties · drug deductible $0Dental up to $550/yr · eyewear $200/yr | $55 | $7,000 | $7,660 | 2.5★ |
| 8 | HumanaChoice Giveback H7617-127 (PPO)Humana · PPO19 of 21 counties · drug deductible $700Part B giveback $26/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$26 Part B giveback | $8,250 | $7,938 | 4.5★ |
| 9 | AARP Medicare Advantage from UHC NJ-0002 (HMO-POS)UnitedHealthcare · HMO-POSAll 21 counties · drug deductible $595Preventive dental · eyewear $175/yr · hearing aids $1,000/yr | $79 | $7,150 | $8,098 | 3.5★ |
| 10 | Clover Health Choice Giveback (PPO)Clover Health · PPO20 of 21 counties · drug deductible $440Part B giveback $140/mo · Dental up to $500/yr · eyewear $200/yr · OTC items $100/yr | $0−$140 Part B giveback | $9,850 | $8,170 | 5★ |
| 11 | AARP Medicare Advantage from UHC NJ-0003 (HMO-POS)UnitedHealthcare · HMO-POSAll 21 counties · drug deductible $595Preventive dental · eyewear $175/yr · hearing aids $1,000/yr | $115 | $6,900 | $8,280 | 3.5★ |
| 12 | DEVOTED CHOICE GIVEBACK 002 NJ (PPO)Devoted Health · PPO14 of 21 counties · drug deductible $650Part B giveback $118/mo · Dental up to $250/yr · eyewear $375/yr | $0−$118 Part B giveback | $9,850 | $8,434 | Too new to rate |
| 13 | DEVOTED CHOICE GIVEBACK EXTRAS 006 NJ (PPO)Devoted Health · PPO14 of 21 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $350/yr · OTC items $380/yr | $0−$70 Part B giveback | $9,650 | $8,810 | Too new to rate |
| 14 | Humana Gold Plus H6622-100 (HMO)Humana · HMO7 of 21 counties · drug deductible $325Dental up to $2,000/yr · eyewear $250/yr | $0 | $8,850 | $8,850 | 4★ |
| 15 | HealthSpring Preferred (HMO)HealthSpring · HMO3 of 21 counties · drug deductible $500Dental up to $300/yr · eyewear $100/yr | $0 | $8,900 | $8,900 | 3★ |
| 16 | Humana Gold Plus H6622-100 (HMO)Humana · HMO5 of 21 counties · drug deductible $325Dental up to $1,500/yr · eyewear $100/yr | $0 | $9,000 | $9,000 | 4★ |
| 17 | Humana Gold Plus H6622-099 (HMO)Humana · HMO5 of 21 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $9,050 | $9,050 | 4★ |
| 18 | Humana Gold Plus H6622-099 (HMO)Humana · HMO3 of 21 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $9,050 | $9,050 | 4★ |
| 19 | Wellcare Assist (HMO-POS)Wellcare · HMO-POS20 of 21 counties · drug deductible $700Dental | $0 | $9,250 | $9,250 | 3★ |
| 20 | AARP Medicare Advantage from UHC NJ-0005 (PPO)UnitedHealthcare · PPOAll 21 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $79 | $8,400 | $9,348 | 4★ |
| 21 | DEVOTED CHOICE 001 NJ (PPO)Devoted Health · PPO14 of 21 counties · drug deductible $650Dental up to $1,750/yr · eyewear $300/yr | $0 | $9,350 | $9,350 | Too new to rate |
| 22 | Aetna Medicare Prime Giveback (PPO)Aetna Medicare · PPO10 of 21 counties · drug deductible $700Part B giveback $15/mo · Preventive dental · eyewear $100/yr | $0−$15 Part B giveback | $9,850 | $9,670 | 4★ |
| 23 | Wellcare Low Premium (HMO-POS)Wellcare · HMO-POS20 of 21 counties · drug deductible $700Dental | $35 | $9,250 | $9,670 | 3★ |
| 24 | HumanaChoice H5216-461 (PPO)Humana · PPO20 of 21 counties · drug deductible $700Dental · eyewear $100/yr | $36.30 | $9,250 | $9,686 | 4★ |
| 25 | AARP Medicare Advantage from UHC NJ-0004 (PPO)UnitedHealthcare · PPOAll 21 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $69 | $8,900 | $9,728 | 4★ |
| 26 | AARP Medicare Advantage from UHC NJ-6 (PPO)UnitedHealthcare · PPOAll 21 counties · drug deductible $685eyewear $100/yr · hearing aids $700/yr | $29 | $9,400 | $9,748 | 4★ |
| 27 | Aetna Medicare Prime (HMO-POS)Aetna Medicare · HMO-POS10 of 21 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 28 | Aetna Medicare Prime (PPO)Aetna Medicare · PPO10 of 21 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 29 | Aetna Medicare Signature Extra (HMO)Aetna Medicare · HMO10 of 21 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 30 | AmeriHealth Medicare Classic Rx (HMO)AmeriHealth · HMO7 of 21 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr · OTC items $120/yr | $0 | $9,850 | $9,850 | Too new to rate |
| 31 | Clover Health Choice (PPO)Clover Health · PPO12 of 21 counties · drug deductible $350Dental up to $1,500/yr · eyewear $300/yr · OTC items $300/yr | $0 | $9,850 | $9,850 | 5★ |
| 32 | Clover Health Choice (PPO)Clover Health · PPO8 of 21 counties · drug deductible $350Dental up to $1,500/yr · eyewear $200/yr · OTC items $300/yr | $0 | $9,850 | $9,850 | 5★ |
| 33 | Jefferson Health Plans Elite (HMO)Jefferson Health Plans · HMO8 of 21 counties · drug deductible $0Dental up to $625/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 3★ |
| 34 | Wellpoint Extra Help (HMO)Wellpoint · HMO8 of 21 counties · drug deductible $0eyewear $125/yr · hearing aids $2,000/yr | $0 | $9,850 | $9,850 | 3★ |
| 35 | HealthSpring True Choice (PPO)HealthSpring · PPO3 of 21 counties · drug deductible $700Dental up to $300/yr · eyewear $100/yr | $15 | $9,850 | $10,030 | 3★ |
| 36 | AmeriHealth Medicare Core (PPO)AmeriHealth · PPO1 of 21 counties · drug deductible $700Preventive dental · eyewear $200/yr | $18 | $9,850 | $10,066 | 3★ |
| 37 | Aetna Medicare Elite (HMO)Aetna Medicare · HMO13 of 21 counties · drug deductible $700Preventive dental · eyewear $150/yr | $25 | $9,850 | $10,150 | 4★ |
| 38 | Clover Health Choice Value (PPO)Clover Health · PPO12 of 21 counties · drug deductible $440Dental up to $2,500/yr · eyewear $300/yr · OTC items $580/yr | $36.30 | $9,850 | $10,286 | 5★ |
| 39 | Clover Health Choice Value (PPO)Clover Health · PPO8 of 21 counties · drug deductible $450Dental up to $2,000/yr · eyewear $300/yr · OTC items $500/yr | $36.30 | $9,850 | $10,286 | 5★ |
| 40 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO7 of 21 counties · drug deductible $700Preventive dental · eyewear $150/yr | $65 | $9,850 | $10,630 | 4★ |
| 41 | Aetna Medicare Enhanced (HMO-POS)Aetna Medicare · HMO-POS8 of 21 counties · drug deductible $700Dental up to $1,500/yr · eyewear $250/yr | $79 | $9,850 | $10,798 | 4★ |
| 42 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO7 of 21 counties · drug deductible $700Preventive dental · eyewear $100/yr | $80 | $9,850 | $10,810 | 4★ |
| 43 | Aetna Medicare Prime Extra (PPO)Aetna Medicare · PPO10 of 21 counties · drug deductible $700Preventive dental · eyewear $100/yr | $84 | $9,850 | $10,858 | 4★ |
| 44 | Aetna Medicare Enhanced Extra (PPO)Aetna Medicare · PPO10 of 21 counties · drug deductible $700Dental up to $750/yr · eyewear $100/yr | $99 | $9,850 | $11,038 | 4★ |
| 45 | Aetna Medicare Enhanced Extra (PPO)Aetna Medicare · PPO6 of 21 counties · drug deductible $700Preventive dental · eyewear $200/yr | $104 | $9,850 | $11,098 | 4★ |
| 46 | Aetna Medicare Enhanced Advantage (PPO)Aetna Medicare · PPO7 of 21 counties · drug deductible $700Dental up to $750/yr · eyewear $100/yr | $109 | $9,850 | $11,158 | 4★ |
| 47 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO13 of 21 counties · drug deductible $700Preventive dental · eyewear $100/yr | $109 | $9,850 | $11,158 | 4★ |
| 48 | Aetna Medicare Enhanced (Regional PPO)Aetna Medicare · Regional PPOAll 21 counties · drug deductible $700Preventive dental · eyewear $100/yr | $149 | $9,850 | $11,638 | 4★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 8 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | HumanaChoice Giveback H5216-116 (PPO)Humana · PPO8 of 21 countiesPart B giveback $69/mo · Dental up to $1,000/yr · eyewear $250/yr | $0−$69 Part B giveback | $4,150 | $3,322 | 4★ |
| 2 | Humana USAA Honor Giveback (PPO)Humana · PPO8 of 21 countiesPart B giveback $145/mo · Dental up to $2,500/yr · eyewear $250/yr | $0−$145 Part B giveback | $6,700 | $4,960 | 4★ |
| 3 | AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS)UnitedHealthcare · HMO-POSAll 21 countiesPart B giveback $150/mo · Dental up to $2,000/yr · eyewear $150/yr · hearing aids $1,000/yr | $0−$150 Part B giveback | $7,150 | $5,350 | 3.5★ |
| 4 | Humana USAA Honor Giveback (PPO)Humana · PPO12 of 21 countiesPart B giveback $105/mo · Dental up to $1,500/yr · eyewear $200/yr | $0−$105 Part B giveback | $6,750 | $5,490 | 4★ |
| 5 | AARP Medicare Advantage Patriot No Rx NJ-MA2 (PPO)UnitedHealthcare · PPOAll 21 countiesPart B giveback $120/mo · eyewear $125/yr · hearing aids $700/yr | $0−$120 Part B giveback | $7,150 | $5,710 | 4★ |
| 6 | Clover Health Valor (PPO)Clover Health · PPO20 of 21 countiesPart B giveback $125/mo · Dental up to $1,500/yr · eyewear $200/yr · OTC items $320/yr | $0−$125 Part B giveback | $9,850 | $8,350 | 5★ |
| 7 | Aetna Medicare Eagle Giveback (HMO)Aetna Medicare · HMOAll 21 countiesPart B giveback $100/mo · Dental up to $2,000/yr · eyewear $200/yr · OTC items $280/yr | $0−$100 Part B giveback | $9,850 | $8,650 | 4★ |
| 8 | Aetna Medicare Eagle Giveback (PPO)Aetna Medicare · PPOAll 21 countiesPart B giveback $90/mo · Dental up to $1,500/yr · eyewear $200/yr · OTC items $280/yr | $0−$90 Part B giveback | $9,850 | $8,770 | 4★ |
County pages
Atlantic County · Bergen County · Burlington County · Camden County · Cumberland County · Essex County · Gloucester County · Hudson County · Hunterdon County · Mercer County · Middlesex County · Monmouth County · Morris County · Ocean County · Passaic County · Somerset County · Sussex County · Union County · Warren County
Questions
How many Medicare Advantage plans are available in New Jersey for 2027?
CMS lists 48 general-audience Medicare Advantage plans with drug coverage in New Jersey for 2027, from 10 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in New Jersey?
Yes. 25 of the 48 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which New Jersey Medicare Advantage plan has the lowest worst-case cost?
Clover Health Value (HMO) from Clover Health: $36.30 a month with an in-network out-of-pocket maximum of $4,500, so at most about $4,936 in premiums and in-network costs for the year. It is offered in 7 of 21 counties.
Which New Jersey Medicare Advantage plans have 4 or more stars?
32 of the 48 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which New Jersey Medicare Advantage plans have a Part B giveback?
7 of the 48 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $140 a month, from Clover Health Choice Giveback (PPO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in New Jersey?
The median in-network out-of-pocket maximum among these plans is $9,850. CMS allows up to $9,850 in 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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