Westfield, NJ Medicare Plans for 2027
Westfield is in Union County, well north of our South Jersey base, but we serve clients here too, and one of our client reviews comes from Westfield. Union County has its own plan list.
- 37 Medicare Advantage plans in Union County, 2027
- 32 With a $0 Part C premium (23 with $0 for Parts C and D combined)
- 7 Organizations offering plans
- 15 Special Needs Plans, counted separately
Westfield Medicare at a glance for 2027
- 37 Medicare Advantage plans for Westfield residents (Union County list), Special Needs Plans not counted. Of those, 32 have a $0 Part C premium, and 23 have a $0 combined monthly premium for Parts C and D (17 of those include drug coverage; 6 have no drug coverage, so no Part D premium).
- In-network out-of-pocket maximums from $4,500 to $9,850 a year
- 7 insurance companies offer them
- 11 standalone Part D plans across New Jersey
- You still pay the Part B premium, $202.90 a month in 2026 (the 2027 amount is announced by CMS around November)
- Annual Enrollment: October 15 to December 7, 2026, for coverage that starts January 1, 2027
Examples of plans with drug coverage and a $0 combined monthly premium for Parts C and D, by 2026 star rating and out-of-pocket limit
- HumanaChoice Giveback H7617-045 (PPO)Humana · Part C + D premium $0 a month · 4.5★ (2026) · out-of-pocket max $8,000 · drug deductible $700
- Aetna Medicare Prime (PPO)Aetna Medicare · Part C + D premium $0 a month · 4.5★ (2026) · out-of-pocket max $9,850 · drug deductible $700
- Aetna Medicare Prime Giveback (PPO)Aetna Medicare · Part C + D premium $0 a month · 4.5★ (2026) · out-of-pocket max $9,850 · drug deductible $700
CMS Medicare Advantage and Part D Landscape, contract year 2027. A plan's fit depends on your doctors and prescriptions; Jackie checks both before you choose.
Westfield at a glance
The Census Bureau counts about 31,100 Westfield residents, 14.9% of them 65 or older, with a median household income of about $232,600 and 2.7% with no health insurance, against 13.0% across Union County.
Westfield uses the Union County list: 37 Medicare Advantage plans for 2027, and 13 of them carry a 2026 star rating of 4 or higher, the most of any county in this guide. The nearest acute care hospitals in the CMS file are Overlook Medical Center in Summit (5 out of 5), Robert Wood Johnson University Hospital at Rahway in Rahway (4 out of 5) and Trinitas Regional Medical Center in Elizabeth (3 out of 5), with the CMS overall rating shown.
How Jackie helps here. Jackie serves Westfield clients by phone and on Zoom, and in person by arrangement. Distance does not change the process: she compares the Union County plans against your doctors and prescriptions.
14.9% of Westfield residents are 65 or older, against 17.2% for New Jersey, and 2.7% have no health insurance.
| Measure | Westfield | Union County | New Jersey |
|---|---|---|---|
| Population | 31,111 | 579,290 | 9,343,809 |
| Residents aged 65 and over | 4,629 | 87,277 | 1,605,758 |
| Share aged 65 and over | 14.9% | 15.1% | 17.2% |
| Median age | 40.7 | 39.1 | Not shown |
| Median household income | $232,629 | $103,202 | Not shown |
| Share with no health insurance (all ages) | 2.7% | 13.0% | 7.5% |
Source: U.S. Census Bureau ACS 2020 to 2024 5-year estimates: Westfield town, New Jersey.
How old is Westfield?
Settlers arrived in 1720 on what had been a Lenni-Lenape trail, and the settlement was first called the West Fields of Elizabethtown. It became the Town of Westfield on March 4, 1903. The town covers 6.29 square miles, with 211 acres of parks, and its 1911 Fire Headquarters is on the National Register.
What does Westfield offer older residents?
Lifelong Westfield, an initiative of the Mayor’s Senior Advisory Council, is the town’s clearinghouse for activities and services that help seniors and their caregivers age in place (Town Hall, 425 East Broad Street, 908-301-1287). Its Senior Services Fair is on Wednesday, October 21, 2026, 9:30 to 3:00, at the Garwood Knights of Columbus Hall.
The Union County Division on Aging is working from a temporary address in Westfield, 300 North Avenue East (908-527-4870), and the county paratransit system gives rides to residents 60 and over (908-241-8300).
Working with a South Jersey agency from Westfield
Jackie serves Westfield clients by phone and on Zoom, and in person by arrangement. The plan list is the Union County list, and the hospitals worth checking include Overlook Medical Center in Summit, the only Union County hospital with a 5 out of 5 CMS rating.
Local sources: Town of Westfield: About Westfield · NJ Historic Trust: Downtown Westfield Historic District · Town of Westfield: Lifelong Westfield · Town of Westfield: Senior Services Fair · Union County: Division on Aging
New Jersey totals are the sum of all 21 New Jersey counties in the same Census release; a statewide median is not computed here. Survey estimates for small towns carry wide margins of error.
2027 Medicare Advantage in Union County
Medicare Advantage plans are approved by county, so Westfield residents see the Union County list. Figures from the CMS Landscape file for contract year 2027; Special Needs Plans are counted separately.
- $1.34 Average monthly Part C premium
- $31.64 Average Part C + D premium
- 31 Plans that include drug coverage
- $4,500 Lowest in-network out-of-pocket limit
- $8,758 Average in-network out-of-pocket limit
- $9,850 Highest in-network out-of-pocket limit
- $586.13 Average Part D deductible (plans with drugs)
- 13 Plans with a 2026 rating of 4★ or more
- 3.81★ Average 2026 star rating (rated plans)
Two ways to count "$0 premium" plans: 32 have a $0 Part C premium, and 23 have a $0 combined monthly premium for Parts C and D (17 of those include drug coverage; 6 have no drug coverage, so no Part D premium). The average premium figures likewise show the Part C premium and the combined Part C + D premium separately. Star ratings shown are 2026 ratings: the CMS plan file in this snapshot did not yet carry 2027 ratings, so each plan shows its 2026 rating, matched by plan ID. Check a plan’s 2027 rating on Medicare.gov Plan Finder.
PPO plans are the largest group here (21 of 37), and 6 plans have no drug coverage.
| Plan type | Plans | $0 Part C premium | Average Part C premium | Average out-of-pocket limit | Without drug coverage |
|---|---|---|---|---|---|
| PPO | 21 | 18 | $0.62 | $9,124 | 4 |
| HMO-POS | 8 | 7 | $4.38 | $7,981 | 1 |
| HMO | 7 | 7 | $0 | $8,393 | 1 |
| Regional PPO | 1 | 0 | $1.60 | $9,850 | 0 |
Source: Medicare plan changes in Union County, 2026 to 2027.
Hospitals near Westfield
Medicare-certified hospitals in Summit, Rahway and Elizabeth from the CMS Hospital General Information file, with the CMS overall star rating. A rating is not network status: check each hospital against a plan.
3 Medicare-certified hospitals are listed, 1 with a 5 of 5 CMS overall rating; whether each is in a plan’s network is a separate question.
| Hospital | Address | Emergency services | CMS overall rating |
|---|---|---|---|
| Overlook Medical CenterAcute Care | 99 Beauvoir Avenue, Summit, NJ 07901 | Yes | 5 of 5 |
| Robert Wood Johnson University Hospital at RahwayAcute Care | 865 Stone Street, Rahway, NJ 07065 | Yes | 4 of 5 |
| Trinitas Regional Medical CenterAcute Care | 225 Williamson Street, Elizabeth, NJ 07207 | Yes | 3 of 5 |
Source: Medicare-certified hospitals in and near Westfield (CMS Hospital General Information).
Names, addresses, counties and emergency flags are shown as the CMS file records them, except rows with a note, where the name or campus was checked against the health system’s own website (listed under Sources).
Plans with a 2026 star rating of 4 or higher
These are 2026 star ratings. The CMS plan file in this snapshot did not yet carry 2027 ratings, so each plan shows its 2026 rating, matched by its CMS plan ID. Check a plan’s 2027 rating on Medicare.gov Plan Finder. Stars measure plan quality overall; they do not tell you whether your doctor or your drugs are covered. From the Union County list, CMS contract year 2027.
13 plans on the Union County list fit this group, with monthly Part C + D premiums from $0 to $149.
| Plan | Type | 2026 stars | Part C + D premium | Out-of-pocket limit | Part D deductible | Plan ID |
|---|---|---|---|---|---|---|
| HumanaChoice Giveback H7617-045 (PPO)Humana | PPO | 4.5★ | $0 | $8,000 | $700 | H7617_045 |
| Aetna Medicare Eagle Giveback (PPO)Aetna Medicare | PPO | 4.5★ | $0 | $9,850 | No drug coverage | H5521_504 |
| Aetna Medicare Enhanced Extra (PPO)Aetna Medicare | PPO | 4.5★ | $99 | $9,850 | $700 | H5521_037 |
| Aetna Medicare Prime (PPO)Aetna Medicare | PPO | 4.5★ | $0 | $9,850 | $700 | H5521_392 |
| Aetna Medicare Prime Extra (PPO)Aetna Medicare | PPO | 4.5★ | $84 | $9,850 | $700 | H5521_275 |
| Aetna Medicare Prime Giveback (PPO)Aetna Medicare | PPO | 4.5★ | $0 | $9,850 | $700 | H5521_277 |
| Clover Health Value (HMO)Clover Health | HMO | 4.0★ | $36.30 | $4,500 | $200 | H8010_003 |
| Clover Health Classic (HMO)Clover Health | HMO | 4.0★ | $0 | $6,000 | $0 | H8010_002 |
| Aetna Medicare Eagle Giveback (HMO)Aetna Medicare | HMO | 4.0★ | $0 | $9,850 | No drug coverage | H3152_045 |
| Aetna Medicare Elite (HMO)Aetna Medicare | HMO | 4.0★ | $25 | $9,850 | $700 | H3152_098 |
| Aetna Medicare Enhanced (Regional PPO)Aetna Medicare | Regional PPO | 4.0★ | $149 | $9,850 | $700 | R6694_006 |
| Aetna Medicare Prime (HMO-POS)Aetna Medicare | HMO-POS | 4.0★ | $0 | $9,850 | $700 | H3152_080 |
| Aetna Medicare Signature (HMO)Aetna Medicare | HMO | 4.0★ | $109 | $9,850 | $700 | H3152_048 |
Source: Medicare plan changes in Union County, 2026 to 2027.
How to read this table: each row is one plan on the Union County list with a 2026 star rating of 4 or higher, sorted by rating and then by out-of-pocket limit. A high rating is a quality signal, not proof that your doctors or prescriptions are covered.
See every Union County plan with premiums and limits, or compare plans for your ZIP code with the plan finder.
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.
How the 2026 stars fall
CMS rates each contract from 1 to 5 stars. This shows the 2026 rating for each of the 37 Union County plans. The CMS plan file in this snapshot did not yet carry 2027 ratings, so check a plan’s 2027 rating on Medicare.gov Plan Finder. New plans and some small contracts are not rated.
- 4.5★ 6 plans (16%)
- 4.0★ 7 plans (19%)
- 3.5★ 18 plans (49%)
- Not rated 6 plans (16%)
No plan on the Union County list has a 5-star 2026 rating.
What is common in Westfield
Plan choice follows the conditions you actually live with, because they decide which specialists and drugs you need covered.
Westfield reads at or below the New Jersey county average on the measures below.
| Measure | Westfield | Union County | New Jersey county average |
|---|---|---|---|
| Diagnosed diabetes | 7.5% | 11.6% | 10.9% |
| High blood pressure | 28.5% | 33.7% | 32.9% |
| Obesity | 23.0% | 29.7% | 28.9% |
| Coronary heart disease | 4.3% | 5.5% | 5.6% |
| COPD | 3.4% | 5.0% | 5.1% |
| Adults 18 to 64 without health insurance | 5.4% | 15.0% | 11.3% |
| Arthritis | 18.6% | 19.5% | 22.2% |
| High cholesterol | 37.8% | 37.8% | 39.3% |
| Stroke | 2.2% | 3.2% | 3.1% |
Source: Chronic condition estimates for Westfield, New Jersey (CDC PLACES).
CDC PLACES: Local Data for Better Health, Place 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. Crude rates follow the age mix of a place: an older community reads higher on most conditions. New Jersey figure: average of the 21 New Jersey counties, weighted by adult population.
Union County plans: 2026 to 2027
Your plan mailed an Annual Notice of Change by September 30, 2026. It lists what changes on January 1, 2027: premium, deductible, out-of-pocket limit, copays, drug list and network. Compare it line by line, or go through it with Jackie.
Counting plans with drug coverage, Special Needs Plans included, the Union County list goes from 48 plans in 2026 to 46 in 2027, and the average in-network out-of-pocket limit moves from $7,956 to $8,966.
| Measure | 2026 | 2027 |
|---|---|---|
| Plans with drug coverage (SNPs included) | 48 | 46 |
| With a $0 combined monthly premium for Parts C and D | 20 | 25 |
| Average in-network out-of-pocket limit | $7,956 | $8,966 |
| Average Part D deductible | $463.54 | $597.50 |
| Maximum Part D deductible allowed by CMS | $615 | $700 |
| Part D out-of-pocket cap | $2,100 | $2,400 |
Source: Medicare plan changes in Union County, 2026 to 2027.
These counts cover plans with drug coverage, Special Needs Plans included, so they differ from the headline count of 37, which leaves out Special Needs Plans and includes plans without drug coverage. Braven Health and HealthSpring have no Medicare Advantage plan with drug coverage in Union County for 2027; Devoted Health is new to the Union County list.
12 plans on the 2026 Union County list end with no similar plan in the county, including Braven Medicare Choice (PPO), Braven Medicare Freedom (PPO), Braven Medicare Choice Plus (PPO). The full list is on the Union County guide.
If your plan is not renewing: you receive a non-renewal letter in October. You can pick a new plan during the Annual Enrollment Period (October 15 to December 7, 2026), and a Special Enrollment Period runs through the end of February 2027. Confirm your dates on Medicare.gov. The official Medicare & You handbook explains each option.
Before you choose a plan in Westfield
- Medigap in New Jersey, including the rules for people under 65 with Medicare: New Jersey Medigap rules.
- Standalone Part D plans are sold statewide: the full 2027 list is on the New Jersey page, and how they work in Part D explained.
- Help with drug and premium costs: PAAD and Senior Gold, Extra Help and Medicare Savings Programs and Medicare and NJ FamilyCare.
- When you can join or switch: Medicare enrollment periods. To compare the plans above for your own doctors and prescriptions, call or text Jackie at (856) 727-4221 or use Compare 2027 plans.
New to terms like MOOP, HMO-POS or D-SNP? They are explained in plain English on the Union County page and in the guide Medicare Advantage plan types.
Westfield Medicare questions
How many Medicare Advantage plans are available in Westfield for 2027?
Westfield uses the Union County plan list. It has 37 Medicare Advantage plans for 2027 (Special Needs Plans not included) from 7 organizations. Of those, 32 have a $0 Part C premium, and 23 have a $0 combined monthly premium for Parts C and D (17 of those include drug coverage; 6 have no drug coverage, so no Part D premium). You still pay the Part B premium, which is $202.90 a month in 2026; the 2027 amount is announced around November 2026. Source: CMS 2027 Landscape file.
Can a South Jersey agency help me with Medicare in Westfield?
Yes. Jackie Layser is licensed in New Jersey and serves clients statewide by phone, on Zoom or in person. Medicare Advantage plans follow the county on your address, so for Westfield she works from the Union County plan list.
Which hospitals near Westfield are in the CMS file?
The CMS file lists three acute care hospitals in Union County: Trinitas Regional Medical Center in Elizabeth (3 out of 5), Robert Wood Johnson University Hospital at Rahway in Rahway (4 out of 5), Overlook Medical Center in Summit (5 out of 5). Ratings are the CMS overall hospital rating; network status is a separate check.
What changes for Medicare plans in Westfield in 2027?
Counting Medicare Advantage plans with drug coverage, Special Needs Plans included, Union County goes from 48 plans in 2026 to 46 in 2027. (The headline count of 37 plans on this page leaves out Special Needs Plans and includes plans without drug coverage, which is why the numbers differ.) The CMS crosswalk shows 12 plans ending with no similar plan in the county, 0 plans ending while the same company offers a plan with the same or a similar name under a new plan ID (members must enroll in it themselves), 1 plan folding into another plan automatically, and 11 new plans. Braven Health and HealthSpring have no Medicare Advantage plan with drug coverage in Union County for 2027; Devoted Health is new to the Union County list. Your plan’s Annual Notice of Change lists what changes for you on January 1.
How many people aged 65 and over live in Westfield?
Census figures (ACS 2020 to 2024 5-year estimates) show 14.9% of Westfield residents aged 65 or older (about 4,629 people), against 17.2% for New Jersey, and 2.7% of residents of all ages with no health insurance (7.5% statewide). For people with Medicare and a limited income, New Jersey's Medicare Savings Programs, PAAD, Senior Gold and NJ FamilyCare can help with costs; the guides linked on this page explain each one.
Sources and methodology
- Plan data: CMS Medicare Advantage / Part D Landscape, contract year 2027 (https://www.cms.gov/files/zip/cy2027-landscape-202609.zip), filtered to Union County (FIPS 34039), retrieved 2026-10-20 through THE BRAIN (Ambrose healthcare database). Star ratings: CMS 2026 Star Ratings joined by plan ID, because the 2027 landscape rows in the snapshot carry no rating yet.
- 2027 changes: CMS Landscape 2026 (https://www.cms.gov/files/zip/cy2026-landscape-202609.zip) and 2027, with the CMS CY2026 to CY2027 plan crosswalk, retrieved 2026-10-20.
- Health data: CDC PLACES: Local Data for Better Health, Place 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. Query: https://data.cdc.gov/resource/eav7-hnsx.json?locationid=3479040&datavaluetypeid=CrdPrv.
- Demographics: U.S. Census Bureau ACS 2020 to 2024 5-year estimates, Westfield town, New Jersey, retrieved 2026-10-20. Queries: detailed tables and subject table S2701. Residents 65 and over are the sum of the 12 age groups 65 and older in table B01001.
- Hospitals: CMS Hospital General Information (Provider Data Catalog) (https://data.cms.gov/provider-data/dataset/xubh-q36u), New Jersey records retrieved 2026-10-20 from the data.cms.gov Provider Data API (query). Notes checked against the health systems’ own websites: clinicians.cooperhealth.org/location/cooper-university-hospital-cape-regional/loc0000257009, clinicians.cooperhealth.org/location/cooper-university-hospital/loc0000256998, virtua.org/locations/voorhees-hospital, inspirahealthnetwork.org/locations/inspira-medical-center-elmer, inspirahealthnetwork.org/locations/inspira-medical-center-mullica-hill, jeffersonhealth.org/locations/stratford-hospital, jeffersonhealth.org/locations/cherry-hill-hospital, jeffersonhealth.org/locations/washington-township-hospital.
- New Jersey programs: Medigap rules from the New Jersey Department of Banking and Insurance: Medicare Supplement coverage for people under 65.
- Federal figures: 2026 Part B premium and deductible and Part D base premium ($38.99) from CMS. 2027 values are announced around November 2026.
How the figures are derived
- Headline plan counts and averages exclude Special Needs Plans, which have their own eligibility rules and are reported separately.
- "$0 Part C premium" counts plans whose Part C premium is $0. "$0 combined monthly premium for Parts C and D" counts plans whose consolidated Part C + D premium is $0 (for a plan without drug coverage, its Part C premium); our guides and blog use this second count. Out-of-pocket limits are in-network amounts. The average Part D deductible covers plans with drug coverage only.
- The 2026 to 2027 comparison counts Medicare Advantage plans with drug coverage, Special Needs Plans included, and its "$0" row uses the combined Part C + D premium, so it differs from the headline count.
- When the CMS crosswalk ends a plan with no successor but the same company files a plan with the same or a similar name under a new plan ID, we say so; members are not moved into the new ID automatically.
- We do not publish per-plan enrollment: the source does not carry it, and we never estimate plan figures.
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.
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Let's talk about your coverage in Westfield
Tell Jackie about your current situation. Telephone, Zoom or in person, at no cost to you. Call or text (856) 727-4221.
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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 .