Medicare Advantage
Sizing up Medicare in Fair Lawn: how big is the 2027 menu in Bergen County?
Fair Lawn shoppers heading into Medicare's fall enrollment window have a lot of paper to sort through. According to the Centers for Medicare & Medicaid Services (CMS) 2026 Medicare Advantage and Part D Landscape files, Bergen County — the county Fair Lawn sits in — had 50 Medicare Advantage plans on the shelf for 2026, offered by 9 different carriers. That is the size of the local menu the last time CMS published it; the 2027 lineup is spelled out in each plan's Annual Notice of Change and on Medicare.gov's Plan Finder.
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Key takeaways
- Bergen County, which includes Fair Lawn, had 50 Medicare Advantage plans available for 2026 from 9 carriers, based on the CMS Landscape files. The 2027 lineup is in each plan's ANOC and on Medicare.gov's Plan Finder.
- Plan availability is set at the county level, so every Fair Lawn ZIP code sees the same countywide list.
- Fall's Annual Enrollment Period runs Oct. 15 through Dec. 7; a second window, Medicare Advantage Open Enrollment, runs Jan. 1 through March 31.
- The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027, and the maximum deductible is $615 in 2026 and $700 in 2027; the old coverage gap is gone.
What "50 plans" actually means in Fair Lawn
Medicare Advantage plans (Part C) are sold county by county. That is why we say Fair Lawn is in Bergen County, where 50 Medicare Advantage plans were on offer for 2026 — the number was the same whether you live near Radburn, Memorial Park, or the Broadway business district. The 2027 county list is on Medicare.gov's Plan Finder and in each plan's ANOC.
Those 50 plans come from 9 carriers. Some carriers offer just one plan in the county; others offer several with different network shapes (HMO, PPO), different drug coverage, or a Special Needs Plan tailored to people with certain conditions or Medicaid. A big menu is not the same as a hard choice — most people can narrow it down quickly once they list their doctors and prescriptions.
Stand-alone drug plans are a different list
Bergen County's 2026 Landscape file showed 0 stand-alone Part D drug plans tied specifically to the county row for Medicare Advantage shoppers, because Part D plans are actually sold at the region level, not the county level. New Jersey sits in a multi-state Part D region, and residents statewide typically see the same slate of stand-alone drug plans on Medicare's Plan Finder.
The short version: if you have Original Medicare and want drug coverage, you'll shop for a stand-alone Part D plan through Medicare.gov's Plan Finder. If you go with Medicare Advantage, drug coverage is usually built in.
Star Ratings in the local mix
CMS rates Medicare contracts each year on a 1-to-5 scale. In the Bergen County file for 2026, 0 contracts serving the area were rated 4 stars or higher at the contract level as posted. Ratings can shift year to year, and one contract often covers plans in many states, so the local count is only one piece of the picture. Star Ratings are meant to inform, not to steer — you can view current ratings for any plan on Medicare.gov.
Why the numbers matter for a town Fair Lawn's size
Bergen County has about 175,043 residents age 65 and older, one of the largest 65+ populations in New Jersey. That size is part of why carriers compete here and why the plan count sits at 50. For an individual shopper in Fair Lawn, though, the useful number is much smaller: the handful of plans that cover your doctors at Valley Health, Hackensack Meridian, or another local system, and that cover your prescriptions at your usual pharmacy.
Key dates and rules to keep in mind
- Annual Enrollment Period: Oct. 15 – Dec. 7, 2026. This is when you can join, switch, or drop a Medicare Advantage or Part D plan for 2027.
- Medicare Advantage Open Enrollment: Jan. 1 – March 31. If you're already in a Medicare Advantage plan, you get one chance to switch to another MA plan or return to Original Medicare.
- Part D in 2027: the out-of-pocket cap is $2,400 and the maximum deductible is $700 (in 2026 those figures were $2,100 and $615). The old "donut hole" coverage gap is eliminated, and the benefit now has three phases.
- Medicare Prescription Payment Plan: an optional program that lets you spread your yearly drug costs across monthly payments instead of paying at the pharmacy counter.
- IRMAA: higher-income surcharges on Part B and Part D premiums start above $109,000 in income for a single filer in 2026.
Where to get help in Fair Lawn
Because plan menus are long and personal situations vary, most people benefit from at least one no-cost, unbiased conversation before choosing. Good starting points:
- Medicare.gov Plan Finder — enter your ZIP code and prescriptions to see the full Bergen County list.
- 1-800-MEDICARE (1-800-633-4227), 24/7.
- New Jersey SHIP (State Health Insurance Assistance Program), which offers free one-on-one counseling for New Jersey Medicare beneficiaries.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Bergen County
(MA penetration in Bergen County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
How many Medicare Advantage plans can I choose from in Fair Lawn for 2027?
Are Part D drug plan options counted the same way?
When can I make a change to my Medicare coverage?
What's changing about Part D costs in 2027?
- CMS — MA/Part D Landscape & Plan Finder data
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.
Also for Fair Lawn
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This page was last updated: September 30, 2026.