Medicare Advantage

Compare 71 New Jersey Medicare Advantage Plans for 2027 From 12 Carriers

TRENTON, N.J. — New Jersey residents who use Medicare have a defined window to compare 2027 Medicare Advantage plans. According to the CMS Medicare Advantage Landscape Source Files for CY2026 and CY2027, 71 Medicare Advantage plans from 12 carriers are listed statewide for 2027. Availability is set county by county, so some plans listed statewide may not be offered where you live. The Annual Enrollment Period runs October 15 through December 7, 2026, and any choice you make during that window takes effect January 1, 2027.

The statewide numbers for 2027

The CMS MA Landscape Source File for CY2027 lists 71 Medicare Advantage plans in New Jersey from 12 carriers. All 71 include drug coverage. Compared with the CY2026 file, 12 plans are new for 2027 and 26 plans listed last year are not returning. These are statewide counts — a plan appears here once even if it is sold in many counties, and a plan listed statewide may or may not be offered in your specific county.

Those statewide totals are a starting point for your own comparison, not a shopping list. The number that matters most for you is the smaller number of plans actually offered at your ZIP code, which the Medicare Plan Finder will show.

Plan types and Special Needs Plans

Across the 71 plans, the CY2027 landscape breaks down by type as HMO 21, HMO-POS 11, and PPO 39. Each type handles out-of-network care, referrals, and provider choice differently, so the plan type is often the first filter people apply when comparing.

Special Needs Plans (SNPs) are a separate category with eligibility rules. The 2027 New Jersey landscape lists 5 D-SNPs (for people with both Medicare and Medicaid), 7 C-SNPs (for people with certain chronic conditions), and 3 I-SNPs (for people who live in or need an institutional level of care). If you may qualify for an SNP, that eligibility — not the broader plan count — is where to start.

The carriers for 2027

Twelve carriers are listed in New Jersey for 2027, in alphabetical order: Aetna (CVS Health), AmeriHealth, Centene (WellCare), Clover Health, Devoted Health, Elevance Health (Anthem), HealthSpring, Horizon Blue Cross Blue Shield of New Jersey, Humana, Jefferson Health Plans, Longevity Health Plan, and UnitedHealthcare. The plan-count table on this page shows how many plans each carrier lists statewide and which plan types they offer.

A few points worth noting from the carrier table: Aetna (CVS Health) lists the largest number of plans statewide at 17, while Humana and UnitedHealthcare each list 12. D-SNPs are offered by Aetna (CVS Health), Centene (WellCare), Elevance Health (Anthem), Horizon Blue Cross Blue Shield of New Jersey, and UnitedHealthcare. Some carriers list PPO-only lineups in the statewide file (Devoted Health, Longevity Health Plan), while others combine HMO, HMO-POS and PPO offerings. Again, which of these a particular reader can actually choose depends on county.

A step-by-step way to compare the plans in your own county

Comparing plans in New Jersey is more useful when it's grounded in your own address, doctors, and prescriptions. A straightforward sequence:

1. Pull up the plans in your county. Go to the Medicare Plan Finder at medicare.gov and enter your ZIP code. That narrows the statewide 71 down to the plans actually offered to you. 2. Check your doctors and hospitals. For each plan you're considering, confirm your primary care doctor, specialists and preferred hospital in that plan's provider directory. HMO, HMO-POS and PPO plans treat out-of-network care differently, so verify in-network status for the plan year 2027. 3. Enter your prescriptions. Add each medication, dose and frequency into Plan Finder. The tool will show how each plan handles your specific drug list for 2027. 4. Check pharmacies. Confirm whether your pharmacy — retail, chain or mail-order — is a network pharmacy for the plan you're comparing. 5. Read your Annual Notice of Change (ANOC). If you're already in a Medicare Advantage or Part D plan, your current plan mailed you an ANOC in late September describing what's changing on January 1, 2027. Compare that document to what you see in Plan Finder. 6. Save a short list. Narrow to two or three plans that fit your doctors, drugs and pharmacies, then review each plan's Evidence of Coverage and Summary of Benefits for 2027 before you decide.

For the specifics — premiums, deductibles, copays, extra benefits, drug tiers, pharmacy pricing, provider networks and star ratings — rely on the Medicare Plan Finder, 1-800-MEDICARE, or the plan's own documents. Those are the authoritative sources for plan-level details.

What to do before December 7

The Annual Enrollment Period runs October 15 through December 7, 2026. A selection made in that window becomes effective January 1, 2027. A simple approach:

• By mid-November: locate your ANOC, list your doctors, list your prescriptions and preferred pharmacy, and run them through Plan Finder.
• By late November: narrow to a short list and read the Summary of Benefits and the drug list for each.
• By December 7, 2026: finalize your choice if you're changing plans. If you don't want to change, you don't need to do anything — your current plan continues unless it is one of the 26 not returning for 2027, in which case your ANOC or non-renewal notice will explain next steps.

Separately, if you enroll in or keep a Medicare Advantage plan for 2027, there is also a Medicare Advantage Open Enrollment Period from January 1 through March 31, 2027, with its own rules.

Free help

You can compare plans and enroll on your own at medicare.gov using the Medicare Plan Finder, which pulls directly from CMS data. For questions in English or Spanish, call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, available 24 hours a day, 7 days a week. For plan-specific questions — a provider, a drug tier, a copay, a benefit — contact the plan directly using the number on its materials.