Best Medicare Advantage Plans in Atlantic County, NJ for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Atlantic County, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
Atlantic County plans, ranked
| # | 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 | 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★ |
| 13 | Wellcare Assist (HMO-POS)Wellcare · HMO-POS20 of 21 counties · drug deductible $700Dental | $0 | $9,250 | $9,250 | 3★ |
| 14 | 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★ |
| 15 | Wellcare Low Premium (HMO-POS)Wellcare · HMO-POS20 of 21 counties · drug deductible $700Dental | $35 | $9,250 | $9,670 | 3★ |
| 16 | HumanaChoice H5216-461 (PPO)Humana · PPO20 of 21 counties · drug deductible $700Dental · eyewear $100/yr | $36.30 | $9,250 | $9,686 | 4★ |
| 17 | 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★ |
| 18 | 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★ |
| 19 | Aetna Medicare Signature Extra (HMO)Aetna Medicare · HMO10 of 21 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 20 | 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 |
| 21 | 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★ |
| 22 | 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★ |
| 23 | 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★ |
| 24 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO7 of 21 counties · drug deductible $700Preventive dental · eyewear $150/yr | $65 | $9,850 | $10,630 | 4★ |
| 25 | 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★ |
| 26 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO7 of 21 counties · drug deductible $700Preventive dental · eyewear $100/yr | $80 | $9,850 | $10,810 | 4★ |
| 27 | Aetna Medicare Enhanced Extra (PPO)Aetna Medicare · PPO6 of 21 counties · drug deductible $700Preventive dental · eyewear $200/yr | $104 | $9,850 | $11,098 | 4★ |
| 28 | 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★ |
| 29 | 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. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 47 in 2026, 36 in 2027.
- $0-premium plans: 29 in 2026, 20 in 2027.
- Median in-network out-of-pocket maximum: $8,499 in 2026, $9,250 in 2027.
- 17,115 people here were in a general-audience Advantage plan in October 2026; 2,834 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: HumanaChoice Giveback H5216-116 (PPO), Humana USAA Honor Giveback (PPO), AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS), AARP Medicare Advantage Patriot No Rx NJ-MA2 (PPO), Clover Health Valor (PPO), Aetna Medicare Eagle Giveback (HMO), Aetna Medicare Eagle Giveback (PPO).
Questions
How many Medicare Advantage plans are in Atlantic County for 2027?
29 general-audience plans with drug coverage, 13 of them with a $0 monthly premium, compared with 47 plans and 29 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Atlantic County?
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 for the year in premiums and in-network costs.
Do any Atlantic County plans have a Part B giveback?
4 do. The largest is $140 a month off your Part B premium, from Clover Health Choice Giveback (PPO).
How many Atlantic County plans have 4 or more stars?
20 of 29, based on CMS's 2027 ratings of the contract behind each plan.
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.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
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. · Advertiser disclosure
Keep going
- All New Jersey Medicare Advantage plans →
- Best Part D plans in New Jersey →
- HMO vs. PPO and star ratings →
Other New Jersey counties
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