How many $0 Advantage plans are in Camden County in 2027?
24 of the 41 Medicare Advantage plans in Camden County, New Jersey have a $0 monthly plan premium for 2027, and 17 of those 24 include Part D drug coverage.
That is about 59% of the county's plans, not counting Special Needs Plans. A $0 premium plan still has copays, coinsurance and an out-of-pocket maximum, and you keep paying your Part B premium ($202.90 a month in 2026).
| Organization | Plans | $0 premium | $0 premium with drug coverage | Lowest in-network out-of-pocket max |
|---|---|---|---|---|
| Humana | 7 | 6 | 4 | $4,150 |
| UnitedHealthcare | 9 | 4 | 2 | $6,900 |
| Aetna Medicare | 9 | 3 | 1 | $9,850 |
| Clover Health | 4 | 3 | 2 | $9,850 |
| Devoted Health | 3 | 3 | 3 | $9,350 |
| AmeriHealth | 2 | 1 | 1 | $9,850 |
| HealthSpring | 2 | 1 | 1 | $8,900 |
| Jefferson Health Plans | 2 | 1 | 1 | $7,000 |
| Wellcare | 2 | 1 | 1 | $9,250 |
| Wellpoint | 1 | 1 | 1 | $9,850 |
Source: CMS Medicare Advantage and Part D Landscape, Contract Year 2027.
Why so many plans have a $0 premium
Medicare pays each Advantage plan a monthly amount for every member, and many carriers set the plan premium at $0 and recover costs through copays, networks and the out-of-pocket maximum. In Camden County the remaining 17 plans charge a premium, the highest at $149 a month for 2027.
7 of the $0 plans have no drug coverage at all. Those suit people with VA or other creditable drug coverage; anyone else would need to think about the Part D late enrollment penalty.
What separates one $0 plan from another
The network, the drug list, the out-of-pocket maximum and the extras. In-network maximums on Camden County plans run from $4,150 to $9,850 for 2027. CMS published 2027 star ratings on October 8, 2026, but our data snapshot does not hold them yet, so this page uses each plan's 2026 rating: 10 of the 34 returning plans carry a 2026 star rating of 4 or higher. Check a plan's 2027 rating on Medicare.gov Plan Finder.
The choice also shrank a little: Camden County had 44 plans and 27 with a $0 premium in 2026, against 41 and 24 for 2027.
Worked example: $0 premium against a lower cap
Two UnitedHealthcare HMO-POS plans in the 2027 Camden County file show the trade. One charges a $0 premium with a $7,150 in-network cap. The other charges $115 a month, $1,380 a year, with a $6,900 cap. In a quiet year the $0 plan comes out $1,380 ahead. Even in a year with a surgery that hits both caps, the premium plan costs $8,280 against $7,150, so a lower cap is worth paying for only when the gap between caps is bigger than the extra premium.
Either way, the $202.90 Part B premium, $2,434.80 over 2026, comes out of your Social Security first. Humana and UnitedHealthcare field the most $0 plans in the county for 2027, counting plans with and without drug coverage.
What to do next
Start with your doctors and prescriptions, then look at the out-of-pocket maximum, and only then at extras like dental. Our plan finder lists 2027 plans by ZIP code, and Jackie can review the finalists with you by phone, Zoom or in person before December 7, 2026.
Related questions
How many $0 Advantage plans are in Camden County in 2027?
24 of the 41 Medicare Advantage plans in Camden County, New Jersey have a $0 monthly plan premium for 2027, and 17 of those 24 include Part D drug coverage.
Does a $0 premium Medicare Advantage plan cost nothing?
No. You still pay your Part B premium plus copays and coinsurance up to the plan's out-of-pocket maximum.
Do $0 premium plans include drug coverage?
Most do: 17 of the 24 $0 premium plans in Camden County include Part D. Check whether your drugs are on each plan's 2027 list.
Which organizations offer the most $0 premium plans in Camden County for 2027?
Humana has 6 and UnitedHealthcare 4, then Aetna Medicare, Clover Health and Devoted Health with 3 each, per the CMS 2027 landscape. Special Needs Plans are counted separately: 6 of the 13 have a $0 premium.
Sources
- CMS Medicare Advantage and Part D Landscape, Contract Year 2027 Centers for Medicare & Medicaid Services
- CMS Medicare Advantage and Part D Landscape, Contract Year 2026 Centers for Medicare & Medicaid Services
- 2027 Medicare Advantage and Part D Star Ratings (CMS fact sheet, October 8, 2026) Centers for Medicare & Medicaid Services
- 2026 Medicare Parts A & B Premiums and Deductibles Centers for Medicare & Medicaid Services
Please note: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.Garden State Medicare Solutions is not connected with or endorsed by the United States government or the federal Medicare program. Medicare has neither endorsed nor reviewed this information.