$0 Premium Medicare Advantage Plans in New Jersey
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in New Jersey for 2027, ranked by what it could cost you in a bad year: the in-network out-of-pocket maximum, less any Part B giveback. Pick your county to see the plans sold there.
Showing all 25 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | 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★ |
| 2 | 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★ |
| 3 | 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★ |
| 4 | 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★ |
| 5 | 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★ |
| 6 | 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★ |
| 7 | 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★ |
| 8 | 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 |
| 9 | 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 |
| 10 | 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★ |
| 11 | HealthSpring Preferred (HMO)HealthSpring · HMO3 of 21 counties · drug deductible $500Dental up to $300/yr · eyewear $100/yr | $0 | $8,900 | $8,900 | 3★ |
| 12 | 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★ |
| 13 | 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★ |
| 14 | 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★ |
| 15 | Wellcare Assist (HMO-POS)Wellcare · HMO-POS20 of 21 counties · drug deductible $700Dental | $0 | $9,250 | $9,250 | 3★ |
| 16 | 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 |
| 17 | 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★ |
| 18 | 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★ |
| 19 | Aetna Medicare Prime (PPO)Aetna Medicare · PPO10 of 21 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 20 | Aetna Medicare Signature Extra (HMO)Aetna Medicare · HMO10 of 21 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 21 | 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 |
| 22 | 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★ |
| 23 | 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★ |
| 24 | 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★ |
| 25 | 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★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. All plans here have a $0 premium, so the order comes down to the out-of-pocket maximum and the giveback. You still pay the Part B premium ($202.90 a month in 2026), and drug costs are capped separately at $2,400 for 2027. Special Needs Plans, Cost plans, employer plans and plans under CMS sanction aren’t listed. Methodology
Before you enroll: check that your doctors are in the plan’s network and how it covers your drugs, in the official Medicare Plan Finder. A plan with a premium can still cost less in a bad year; see every plan in our New Jersey Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in New Jersey for 2027?
25 of the 48 general-audience Medicare Advantage plans with drug coverage in New Jersey have a $0 monthly plan premium for 2027.
Is a $0 premium Medicare Advantage plan free?
No. You still pay the Part B premium ($202.90 a month in 2026 for most people), plus copays and coinsurance when you use care, up to the plan's out-of-pocket maximum. Among New Jersey's $0 plans, the lowest in-network maximum is $6,000 and the median is $9,350.
Which $0 premium plan in New Jersey has the lowest worst-case cost?
Clover Health Classic (HMO) from Clover Health, with an in-network out-of-pocket maximum of $6,000. It is sold in 6 of 21 counties.
Do any $0 premium plans in New Jersey also have a Part B giveback?
Yes, 7 of them. See the New Jersey Part B giveback plans.
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
Keep going
- All New Jersey Medicare Advantage plans, ranked →
- Part B giveback plans in New Jersey →
- Where $0 plans are disappearing in 2027 →
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