Medicare Advantage

Humana Medicare Advantage in New Jersey for 2027: 12 Plans, County by County

TRENTON, N.J. — For the 2027 plan year, Humana is offering 12 Medicare Advantage plans across New Jersey, according to the Centers for Medicare & Medicaid Services (CMS) Landscape Source Files. The lineup is one piece of a larger statewide picture that includes 11 other carriers, and because Medicare Advantage is sold county by county, not every Humana plan listed statewide will show up on every New Jerseyan's Plan Finder results. This explainer, from an independent Medicare education site that is not affiliated with Humana, CMS or any insurance carrier, walks through what the CMS files show for Humana in New Jersey and what to check before the Annual Enrollment Period ends on December 7, 2026.

2027 plan lineupNew Jersey

How many Humana Medicare Advantage plans are offered in New Jersey for 2027?

Humana is offering 12 Medicare Advantage plans in New Jersey for 2027, made up of 5 HMOs and 7 PPOs, according to the CMS MA Landscape Source File. Nine of those 12 plans include Part D prescription drug coverage, and three do not.

Within that count, Humana lists one Special Needs Plan in New Jersey for 2027: a Chronic Condition Special Needs Plan (C-SNP) designed for people with specific qualifying conditions. The carrier is not offering a Dual Eligible Special Needs Plan (D-SNP) or an Institutional Special Needs Plan (I-SNP) in the state for 2027. Humana is one of 12 Medicare Advantage carriers participating in New Jersey for the year; across all carriers, 71 Medicare Advantage plans are listed statewide.

Because plans are sold county by county, the number that actually appears when you run your ZIP code through the Medicare Plan Finder will be smaller than the statewide total.

Which Humana Medicare Advantage plans have the widest county reach in New Jersey for 2027?

The widest-reaching Humana plan in New Jersey for 2027, by county count, is HumanaChoice H5216-461 (PPO), offered in 20 counties. Three other PPOs — HumanaChoice Giveback H5216-319, HumanaChoice Giveback H7617-045, and HumanaChoice Giveback H7617-127 — are each offered in 19 counties.

The full plan-by-plan table on this page shows the complete list, including the Humana USAA Honor Giveback (PPO) offerings, the HumanaChoice Giveback H5216-116 (PPO), the Humana Gold Plus HMO contracts (H6622-099 and H6622-100), and the Humana Gold Plus – Diabetes and Heart (HMO C-SNP), which the CMS file lists in 11 counties. A plan appearing on the statewide list does not guarantee it is sold in your specific county — the county column in the table is where to look.

What is new or not returning for Humana in New Jersey for 2027?

For 2027, Humana has 1 new Medicare Advantage plan in New Jersey and 0 plans that are not returning, based on the CMS year-over-year comparison between the CY2026 and CY2027 Landscape Source Files. The new plan is HumanaChoice Giveback H7617-127 (PPO), which the file lists in 19 counties and shows as including drug coverage.

Because no Humana plans are exiting the New Jersey market for 2027, current Humana members in the state are not facing a plan non-renewal from this carrier. That said, every Medicare Advantage plan can change its service area, cost structure, provider network or formulary from one year to the next, so returning members should still read their Annual Notice of Change (ANOC) before deciding whether to keep the same plan.

How do I check whether a Humana plan is offered in my New Jersey county and covers my doctors and prescriptions?

Use the Medicare Plan Finder at medicare.gov, enter your New Jersey ZIP code, and the tool will show only the Medicare Advantage plans — Humana's and others' — that are actually available in your county for 2027. You can also call 1-800-MEDICARE, which is open 24 hours a day, 7 days a week.

Once you see the plans available in your county, confirm three things before enrolling:

• Your doctors, specialists and preferred hospitals are in the plan's network, by checking the plan's provider directory.
• Your prescriptions are on the plan's formulary at a tier you can live with, by checking the plan's drug list.
• Any routine or specialty services you use are described the way you expect, by reading the plan's Summary of Benefits and Evidence of Coverage.

Humana's member services line and the plan documents themselves are the authoritative sources for premiums, cost sharing, networks and formularies. This site does not publish those details.

What should New Jersey Medicare beneficiaries do before December 7, 2026?

Before December 7, 2026, review your current coverage against the plans available in your county for 2027 so that any change you want takes effect on January 1, 2027. The Annual Enrollment Period runs October 15 – December 7, 2026, and it is the main yearly window to join, switch or drop a Medicare Advantage plan.

A simple checklist:

• Read the Annual Notice of Change from your current plan, if you have one.
• Make a list of your doctors, hospitals and prescriptions.
• Run your ZIP code through the Medicare Plan Finder at medicare.gov to see every Medicare Advantage plan — Humana and the other 11 carriers — available in your county.
• Compare the plans on the specifics that matter to you, using the official plan documents.

Where can New Jersey residents get free help with Medicare questions for 2027?

Free, official help for New Jersey residents is available from Medicare directly at 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week, and online at medicare.gov. The Medicare Plan Finder on medicare.gov is the official tool for seeing which Humana — and non-Humana — Medicare Advantage plans are offered in your county for 2027.

For questions tied to your Social Security or Medicare enrollment status, the Social Security Administration can be reached at ssa.gov or 1-800-772-1213.