What is the 2027 Medicare Advantage MOOP in Camden County?

These figures exclude Special Needs Plans. The out-of-pocket maximum is the most you pay in a year for covered in-network Part A and Part B services; it does not include your plan premium, your Part B premium or Part D drug costs, which have their own $2,400 cap for 2027.

In-network out-of-pocket maximum by plan type, Camden County, 2027

Plan type	Plans	Lowest	Average	Highest
HMO	7	$8,900	$9,600	$9,850
HMO-POS	8	$6,900	$7,981	$9,850
PPO	25	$4,150	$8,896	$9,850
Regional PPO	1	$9,850	$9,850	$9,850

Source: CMS Medicare Advantage and Part D Landscape, Contract Year 2027.

How the out-of-pocket maximum works

Every Medicare Advantage plan must cap what you pay for covered in-network medical care each year. Once your copays and coinsurance reach the cap, the plan pays 100% of covered in-network services for the rest of the calendar year. PPO plans also have a separate, higher combined cap that includes out-of-network care.

What changed for 2027

The caps went up. Of the 34 Camden County plans offered in both 2026 and 2027, 29 raised their in-network maximum and 0 lowered it. The highest cap in the county moved from $9,250 to $9,850, and the median from $8,375 to $9,400.

19 of the 41 plans now sit at $9,850, the top of the range. The lowest cap, $4,150, belongs to HumanaChoice Giveback H5216-116 (PPO), a plan without drug coverage.

Where the 2027 caps cluster

Sorting the 41 plans by in-network cap: 1 sit under $6,000, 8 fall between $6,000 and $7,999, 12 between $8,000 and $9,499, and 20 at $9,500 or more. The median is $9,400, so on half the county plans a costly year can reach at least that figure.

Plan type matters. HMO-POS plans average $7,981 for 2027, HMOs $9,600 and PPOs $8,896. A lower cap often comes with a tighter network, so check that your doctors are in it.

Worked example: a hospital year

Picture a member on a plan at the $9,400 median who has a hospital stay, rehab and follow-up visits in 2027. Copays stop once they total $9,400; plan premiums, the Part B premium and drug costs are extra. The same year on Original Medicare with Medigap Plan G would leave the Part B deductible ($283 in 2026) plus the Plan G premium, which varies by insurer and age. That difference is the real comparison, not the premium alone.

What to do next

Ask yourself whether you could pay the full cap in a bad year, such as a hospital stay plus follow-up care. If not, compare plans with a lower cap, look at a Medicare Supplement, or price a hospital indemnity policy. Jackie runs those comparisons by phone, Zoom or in person during Annual Enrollment, October 15 to December 7, 2026.

Related questions

Sources

1. CMS Medicare Advantage and Part D Landscape, Contract Year 2027 Centers for Medicare & Medicaid Services
2. CMS Medicare Advantage and Part D Landscape, Contract Year 2026 Centers for Medicare & Medicaid Services
3. 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.