Medicare Advantage
Medicare Advantage Plan Counts Available in Howell
Medicare Advantage Plan Counts Available in Howell — plain-language Medicare information for Howell, New Jersey.
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Key takeaways
- Howell is in Monmouth County, where 57 Medicare Advantage plans were available for 2026 through 9 carriers offering MA-PD coverage. The 2027 lineup is described in each plan's ANOC and on Medicare.gov's Plan Finder.
- The Annual Enrollment Period runs Oct. 15 through Dec. 7, and Medicare Advantage Open Enrollment follows from Jan. 1 to March 31.
- The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027. The Part D maximum deductible is $615 in 2026 and $700 in 2027. The old coverage gap has been gone since 2025.
- Free, unbiased help is available through medicare.gov, 1-800-MEDICARE, and New Jersey's SHIP counselors.
HOWELL, N.J. — If you're sorting through Medicare options for 2027, it helps to know what's actually on the shelf where you live. Howell sits in Monmouth County, and plan availability here looks a little different than in the counties next door. Understanding that local landscape — before you get to specific plan details — makes the rest of your decision easier.
The Howell-area snapshot
Medicare plan availability is set at the county level, not the town level. So while you live in Howell, what shows up in your Plan Finder results is really the Monmouth County menu.
For 2026, Monmouth County had 57 Medicare Advantage plans available, offered by 9 carriers that provide MA-PD (Medicare Advantage with prescription drug coverage). With more than 123,000 residents age 65 and older in the county, that's a wide field of choices for a large group of neighbors. The 2027 plan lineup is detailed in each plan's ANOC and on Medicare.gov's Plan Finder.
One local detail worth noting: the CMS 2026 Landscape data showed no stand-alone Part D plans listed for the area's dataset. If you're on Original Medicare and need drug coverage, that's a conversation to have with a SHIP counselor or 1-800-MEDICARE, since Part D options are always available somewhere — you just want to confirm what applies to your ZIP code for 2027 before AEP ends on Dec. 7, 2026.
How this compares across the metro
Plan counts shift as you move between counties in central and northern New Jersey. Monmouth's 57 MA plans put Howell-area shoppers in a relatively plan-rich part of the state. Neighboring counties — Ocean to the south, Middlesex to the north — draw from their own separate menus, which is why a friend one town over may see different choices on medicare.gov than you do.
The takeaway isn't which county is "better." It's that ZIP code drives everything. If you're moving, helping a parent shop from out of state, or splitting time between two homes, always run the numbers for the address where Medicare mail will actually arrive.
What Star Ratings mean (and don't mean) here
CMS Star Ratings are a quality measure — they score contracts on things like customer service, care coordination, and member complaints. In the 2026 Monmouth County data, no contracts serving the area were rated 4 stars or higher. The 2027 ratings are published separately by CMS.
That sounds worse than it is. Star Ratings shift year to year, and a contract can serve many states, so a rating reflects far more than the local experience. Use ratings as one input among several — not as a green light or a red flag on its own.
The rules that apply everywhere
Wherever you live, some Medicare rules are set at the national level and are worth memorizing:
- Part D out-of-pocket cap: $2,100 in 2026 and $2,400 in 2027. Once your covered drug spending hits that ceiling, you pay nothing more for the rest of the year on covered prescriptions.
- Part D maximum deductible: $615.
- Coverage gap: Eliminated as of 2025. Part D now has three phases instead of four.
- Medicare Prescription Payment Plan: Optional. Lets you spread drug costs across the year in monthly payments instead of paying at the pharmacy counter.
- IRMAA surcharges: Kick in above $109,000 in income for a single filer in 2026.
Key dates to circle
- Oct. 15 – Dec. 7: Annual Enrollment Period. Change, switch, or drop Medicare Advantage and Part D plans. Coverage starts Jan. 1.
- Jan. 1 – March 31: Medicare Advantage Open Enrollment Period. If you're already in an MA plan, you get one chance to switch to another MA plan or drop back to Original Medicare (with a Part D plan).
Miss AEP and you're generally locked in until next fall, unless you qualify for a Special Enrollment Period.
Where to get real, personalized help
Plan menus are wide, and the right choice depends on your doctors, your prescriptions, and your budget — not on any headline or ad. For unbiased help:
- medicare.gov — Use the Plan Finder with your ZIP code and drug list.
- 1-800-MEDICARE — 24/7, free.
- New Jersey SHIP (State Health Insurance Assistance Program) — Free one-on-one counseling from trained volunteers who don't sell plans.
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 Monmouth County
(MA penetration in Monmouth 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 the Howell area?
What if I want a stand-alone Part D drug plan instead of Medicare Advantage?
When can I change my Medicare plan for 2027?
What's the new Part D out-of-pocket cap?
- CMS — MA/Part D Landscape & Plan Finder data
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.
Also for Howell
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This page was last updated: September 30, 2026.