When is Medicare open enrollment for 2027 in New Jersey?

This is the Annual Enrollment Period for Medicare Advantage and Part D drug plans. In Camden County you can choose among 41 Medicare Advantage plans from 10 organizations for 2027, not counting Special Needs Plans, against 44 plans in 2026.

Medicare enrollment windows around the 2027 plan year

Window	Dates	What you can do
Annual Enrollment Period	Oct 15 to Dec 7, 2026	Join, switch or drop Medicare Advantage or Part D for January 1, 2027
Medicare Advantage Open Enrollment	Jan 1 to Mar 31, 2027	One change if you are already in a Medicare Advantage plan
Initial Enrollment Period	7 months around your 65th birthday month	First enrollment in Parts A, B, C and D
Medigap Open Enrollment	6 months from the month you are 65 and have Part B	Buy any Medigap plan sold in New Jersey without health questions
Special Enrollment Periods	Varies	After a move, loss of other coverage, a plan non-renewal and other events

Source: Medicare & You 2027 handbook.

How the fall window works

Between October 15 and December 7 you can move from Original Medicare to a Medicare Advantage plan, from one Advantage plan to another, back to Original Medicare, or change your stand-alone Part D plan. The last choice you make in the window is the one that counts.

Medigap (Medicare Supplement) is not tied to this window. Outside your first 6-month Medigap window or a guaranteed issue right, an insurer can usually ask health questions before selling you a policy.

What changes on January 1

Your plan mailed an Annual Notice of Change by September 30 listing its 2027 premium, deductible, out-of-pocket maximum, drug list and network. In Camden County the average in-network out-of-pocket maximum rose from $8,003 in 2026 to $8,861 for 2027, and 29 of the 34 plans offered in both years raised it; none lowered it. Doing nothing keeps you in your plan with those new terms.

The yearly cap on Part D drug costs also moves, from $2,100 in 2026 to $2,400 in 2027.

What Camden County shoppers will notice this fall

The line-up shifted. 10 plan IDs in the 2026 Camden County file are missing from the 2027 file and 7 are new; some were renumbered and some ended. Braven Health no longer appears in the county for 2027, while Devoted Health and Wellpoint appear for the first time. Members of a plan that ends get a letter and a Special Enrollment Period, but the fall window is still the simplest moment to pick a replacement.

New Jersey is its own stand-alone drug plan region. For 2027 it has 11 stand-alone Part D plans from 6 organizations, with monthly premiums from $5.30 to $217.90. If you pair Original Medicare with a drug plan, weigh that premium against the drug costs it covers, never on its own.

What to do before December 7

List your doctors, your prescriptions and your preferred pharmacy, then compare your current plan with the alternatives for your ZIP code. Jackie offers no-cost Medicare reviews by phone, Zoom or in person at (856) 727-4221. Medicare.gov and 1-800-MEDICARE list every plan available in your area.

Related questions

Sources

1. Medicare & You 2027 handbook Centers for Medicare & Medicaid Services
2. CMS Medicare Advantage and Part D Landscape, Contract Year 2027 Centers for Medicare & Medicaid Services
3. CMS Medicare Advantage and Part D Landscape, Contract Year 2026 Centers for Medicare & Medicaid Services
4. CMS CY2027 landscape, New Jersey stand-alone Part D plans (PDP region 04) 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.