Medicare Advantage plans in New Jersey are approved county by county, so the list you see depends on your address. This guide compares the 2027 lists for the nine counties we serve most, from Camden County to Union County.
From the CMS Landscape file for contract year 2027. Special Needs Plans are counted separately. The 2026 to 2027 column counts plans with drug coverage, Special Needs Plans included.
The Census Bureau counts about 9.3 million New Jerseyans across 21 counties, and about 1.6 million of them, 17.2%, are 65 or older. The nine counties in this guide run from Camden, our flagship market, through Burlington, Gloucester, Salem, Cumberland, Atlantic, Cape May and Ocean, and north to Union County.
Some things work the same anywhere in New Jersey: the state is one standalone Part D region, so the same 11 Part D plans are sold in every county for 2027; Medigap rules come from the Department of Banking and Insurance; and PAAD, Senior Gold and NJ FamilyCare are statewide programs. Medicare Advantage changes at every county line.
How Jackie helps. Jackie Layser has helped clients with Medicare since 2008. She works with clients anywhere in New Jersey by phone, on Zoom or in person, at no cost to you.
Camden County has the most Medicare Advantage plans for 2027 (41) and Ocean County the fewest (29), so the county on your address decides how much choice you have.
| County | Plans | $0 Part C premium | $0 for Parts C and D combined | In-network out-of-pocket range | Organizations | Special Needs Plans | With drug coverage, SNPs included, 2026 to 2027 |
|---|---|---|---|---|---|---|---|
| Camden County | 41 | 33 | 24 | $4,150 to $9,850 | 10 | 13 | 45 to 47 |
| Burlington County | 39 | 32 | 23 | $4,150 to $9,850 | 9 | 14 | 47 to 46 |
| Gloucester County | 39 | 32 | 23 | $4,150 to $9,850 | 9 | 13 | 42 to 45 |
| Cumberland County | 33 | 27 | 18 | $4,150 to $9,850 | 6 | 7 | 36 to 33 |
| Atlantic County | 36 | 30 | 20 | $4,150 to $9,850 | 7 | 10 | 48 to 39 |
| Cape May County | 33 | 27 | 18 | $4,150 to $9,850 | 6 | 7 | 37 to 33 |
| Salem County | 32 | 27 | 21 | $4,150 to $9,850 | 7 | 9 | 31 to 34 |
| Ocean County | 29 | 23 | 16 | $6,900 to $9,850 | 7 | 14 | 40 to 38 |
| Union County | 37 | 32 | 23 | $4,500 to $9,850 | 7 | 15 | 48 to 46 |
Source: Medicare Advantage and Part D plans in nine New Jersey counties (contract year 2027).
Organizations offering Medicare Advantage plans in at least one of the nine counties for 2027: Aetna Medicare, AmeriHealth, Clover Health, Devoted Health, HealthSpring, Humana, Jefferson Health Plans, UnitedHealthcare, Wellcare, Wellpoint. 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.
Ocean County has the most residents aged 65 and over of the nine counties (148,007).
| Area | Population | Aged 65 and over | Share 65 and over | No health insurance |
|---|---|---|---|---|
| Camden County | 527,257 | 87,194 | 16.5% | 6.4% |
| Burlington County | 467,805 | 85,705 | 18.3% | 3.9% |
| Gloucester County | 306,954 | 51,867 | 16.9% | 4.0% |
| Cumberland County | 153,305 | 24,216 | 15.8% | 10.5% |
| Atlantic County | 276,270 | 54,842 | 19.9% | 7.0% |
| Cape May County | 94,941 | 28,008 | 29.5% | 5.0% |
| Salem County | 65,275 | 12,459 | 19.1% | 4.7% |
| Ocean County | 654,362 | 148,007 | 22.6% | 4.1% |
| Union County | 579,290 | 87,277 | 15.1% | 13.0% |
| New Jersey (all 21 counties) | 9,343,809 | 1,605,758 | 17.2% | 7.5% |
Source: U.S. Census Bureau ACS 2020 to 2024 5-year estimates: New Jersey counties.
These work the same in every county, whichever plan list your address uses.
Jackie Layser reviews your options at no cost and with no obligation, by phone, Zoom or in person anywhere in New Jersey: call or text (856) 727-4221. You can also compare plans yourself on Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).
New Jersey's Medicaid program is NJ FamilyCare. People with both Medicare and NJ FamilyCare can look at Dual Special Needs Plans. Older adults apply through their county Board of Social Services. See Medicare and NJ FamilyCare.
New Jersey runs two state drug programs for older and disabled residents, PAAD and Senior Gold, and Medicare Savings Programs that can pay the Part B premium. See PAAD and Senior Gold and Extra Help and Medicare Savings Programs.
Standalone Part D plans are priced for the whole of New Jersey (CMS Part D region 04), and Medigap rules come from the New Jersey Department of Banking and Insurance. See Medigap rules in New Jersey.
New Jersey runs its own drug and premium programs alongside Medicare. All three below are applied for through the state’s NJSave application (1-800-792-9745).
NJ FamilyCare, New Jersey’s Medicaid program, takes applications for aged, blind and disabled residents online or by mail; an in-person interview at the county welfare agency is not required, and your County Social Service Agency can help you apply (1-800-356-1561). People with both Medicare and NJ FamilyCare can look at Dual Special Needs Plans.
Every New Jersey county has an Area Agency on Aging and an Aging and Disability Resource Connection, reached from anywhere at 1-877-222-3737. They arrange meals, rides and in-home help. For the plan decision itself, Jackie Layser compares plans with you at no cost, by phone, on Zoom or in person.
The Department of Banking and Insurance requires Medigap insurers to issue Plan D to people who become eligible for Medicare because of a disability on or after age 50 (on or after January 1, 2020) and apply within 12 months of enrolling in Part B, at no more than the price for a 65-year-old. Under 50, the state contracting carrier must issue Plan D at the same premium as at 65.
Local sources: NJ Division of Aging Services: PAAD · NJ Division of Aging Services: Senior Gold · NJ Division of Aging Services: Medicare Savings Programs · NJ FamilyCare: Aged, Blind, Disabled · NJ Division of Aging Services: County offices (ADRC) · NJ Department of Banking and Insurance: Medigap under 65
Plan choice follows the conditions you actually live with, because they decide which specialists and drugs you need covered.
Each figure is the share of adults with the condition, marked higher or lower than the New Jersey county average, so you can see where each county stands out.
| County | Diagnosed diabetes | High blood pressure | Obesity | Coronary heart disease | COPD | Uninsured, 18 to 64 |
|---|---|---|---|---|---|---|
| Camden County | 11.4% | 33.4% | 29.8% | 5.7% | 5.7% | 11.6% |
| Burlington County | 10.5% | 34.0% | 30.2% | 5.6% | 5.2% | 8.3% |
| Gloucester County | 10.3% | 36.6% | 31.5% | 5.4% | 5.4% | 8.4% |
| Cumberland County | 13.5% | 38.8% | 40.4% | 7.0% | 7.4% | 18.4% |
| Atlantic County | 12.7% | 36.1% | 30.7% | 6.8% | 6.5% | 11.9% |
| Cape May County | 11.7% | 38.9% | 33.5% | 7.8% | 7.2% | 8.3% |
| Salem County | 11.9% | 37.4% | 34.0% | 6.9% | 7.2% | 11.0% |
| Ocean County | 11.4% | 35.0% | 29.8% | 7.0% | 6.8% | 9.5% |
| Union County | 11.6% | 33.7% | 29.7% | 5.5% | 5.0% | 15.0% |
| New Jersey county average | 10.9% | 32.9% | 28.9% | 5.6% | 5.1% | 11.3% |
Source: Chronic condition estimates for nine New Jersey counties (CDC PLACES).
CDC PLACES: Local Data for Better Health, County Data, 2025 release (2023 survey estimates), retrieved 2026-10-20. Model-based small-area estimates of crude prevalence among adults 18 and over, not a count of local diagnoses. New Jersey figure: average of the 21 New Jersey counties, weighted by adult population.
Part D plans are priced by region, and New Jersey is its own region, so these 11 plans for 2027 apply in every New Jersey county. They pair with Original Medicare (often with Medigap) or with an Advantage plan that has no drug coverage.
11 plans statewide, with monthly premiums from $5.30 to $217.90; none has a $0 premium.
| Plan | Monthly premium | Annual deductible | Plan ID |
|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare | $5.30 | $700 | S4802_139 |
| Wellcare Classic (PDP)Wellcare | $24.30 | $700 | S4802_078 |
| Humana Basic Rx Plan (PDP)Humana | $28.30 | $700 | S5884_131 |
| Humana Value Rx Plan (PDP)Humana | $65.30 | $687 | S5884_183 |
| HealthSpring Assurance Rx (PDP)HealthSpring (CMS lists the sponsor under its legal entity name, Blue Cross and Blue Shield of IL, NM, OK, TX) | $105.80 | $700 | S5715_025 |
| SilverScript Choice (PDP)Aetna Medicare | $120.50 | $700 | S5601_008 |
| Horizon Medicare Blue Rx Standard (PDP)Horizon Blue Cross Blue Shield of New Jersey | $130.30 | $700 | S5993_001 |
| Humana Premier Rx Plan (PDP)Humana | $131.20 | $350 | S5884_150 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare | $138.50 | $700 | S5921_349 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare | $210.70 | $300 | S5921_386 |
| Horizon Medicare Blue Rx Enhanced (PDP)Horizon Blue Cross Blue Shield of New Jersey | $217.90 | $300 | S5993_003 |
Source: Medicare Advantage and Part D plans in nine New Jersey counties (contract year 2027).
The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027 (CMS program parameters). New Jersey standalone plans: 12 in 2026, 11 in 2027. What you pay also depends on Extra Help, New Jersey's PAAD and Senior Gold programs, and any late enrollment penalty. See Extra Help and Medicare Savings Programs in New Jersey and PAAD and Senior Gold.
Every Advantage plan on this page replaces Original Medicare with a plan network. The other path keeps Original Medicare and adds a Medicare Supplement (Medigap) policy plus a separate Part D plan.
Medigap has no network: any provider that accepts Medicare accepts it, anywhere in the country. Premiums are higher than most Advantage plans, and in exchange your costs are more predictable.
New Jersey also protects people under 65 who have Medicare because of a disability. According to the Department of Banking and Insurance, if you became eligible on or after your 50th birthday but before 65, and on or after January 1, 2020, Medigap insurers in your area must issue Plan D when you apply within 12 months of enrolling in Part B, and may not charge more than they charge a 65-year-old for the same policy.
Under 50, the state contracting carrier, Horizon Blue Cross Blue Shield of New Jersey, must issue Plan D to any applicant, at the same premium it charges people buying at 65, with no rating on health, age or claims.
Timing matters. Your 6-month Medigap open enrollment window starts when you are 65 or older and enrolled in Part B. Inside it, an insurer cannot turn you down or charge more for your health. See Medigap rules in New Jersey and Medicare Advantage vs Medigap.
Source: New Jersey Department of Banking and Insurance: Medicare Supplement coverage for people under 65.
You must have Medicare Part A and Part B to join a Medicare Advantage plan, and live in the plan’s service area, which is set county by county.
Seven months around your 65th birthday: the 3 months before, your birthday month, and the 3 months after.
October 15 to December 7, 2026. Choose or change plans for 2027; coverage starts January 1.
January 1 to March 31. If you are in a Medicare Advantage plan, you can switch plans or return to Original Medicare once.
Moving, losing employer coverage, gaining or losing NJ FamilyCare, or a plan not renewing can open a window outside the normal calendar.
Ways to enroll: with a licensed agent such as Jackie ((856) 727-4221), directly with a plan, or on Medicare.gov. You can also call 1-800-MEDICARE (1-800-633-4227). More detail: Medicare enrollment periods.
Each county guide lists every plan; each city guide adds that community’s own Census, CDC and hospital figures.
County guide only.
County guide only.
County guide only.
County guide only.
It depends on your county. Across the nine New Jersey counties in this guide, CMS lists from 29 Medicare Advantage plans (Ocean County) to 41 (Camden County) for 2027, not counting Special Needs Plans. Source: CMS 2027 Landscape file.
Yes. CMS prices standalone Part D plans by region, and New Jersey is a region of its own, so the same standalone Part D plans are offered in every county. The table on this page lists them with their 2027 premiums and deductibles.
Jackie Layser is a licensed agent, and her plan reviews are at no cost and with no obligation, by phone, on Zoom or in person anywhere in New Jersey: call or text (856) 727-4221. You can also compare plans on Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).
CMS lists 11 standalone Part D plans for New Jersey in 2027. Part D plans are priced by region, and New Jersey is a region of its own, so the same plans are offered in every county. That is down from 12 in 2026, and none has a $0 monthly Part D premium for 2027.
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.
Tell Jackie about your current situation. Telephone, Zoom or in person, at no cost to you. Call or text (856) 727-4221.
Serving South Jersey and all of New Jersey · (856) 727-4221
Content reviewed by Jackie Layser, Licensed Medicare Insurance Agent at Garden State Medicare Solutions, New Jersey, helping Medicare clients since 2008. How we source and review our content. Last updated .
