Medicare Advantage
Horizon Blue Cross Blue Shield of New Jersey's 2027 Medicare Advantage plans in Jersey City: a plan-by-plan guide
JERSEY CITY — Fall 2026. If you have a Horizon Blue Cross Blue Shield of New Jersey Medicare Advantage plan, or you are weighing one for next year, the 2027 lineup for Hudson County is set. Horizon is offering two Medicare Advantage plans in the county for 2027, both HMOs, both with drug coverage, and both built as Special Needs Plans. One of the two is new for 2027. None of Horizon's current plans in the county are leaving.
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Key takeaways
- Horizon Blue Cross Blue Shield of New Jersey is offering 2 Medicare Advantage plans in Hudson County, which includes Jersey City, for 2027 — both HMOs, both with drug coverage.
- One Horizon plan is new for 2027 and none of its 2026 plans are leaving the county; the specifics of any changes to your current plan are in your Annual Notice of Change.
- Both Horizon plans in the county are Special Needs Plans (one D-SNP, one C-SNP), so you must meet the eligibility rules to join.
- The Annual Enrollment Period runs October 15 to December 7, 2026, for coverage that starts January 1, 2027.
| Fact | Figure | Source |
|---|---|---|
| Medicare Advantage plans offered in Hudson County (2026) | 48 | CMS |
| Medicare Advantage plans offered in Hudson County (2027) | 48 | CMS |
| Plans not returning for 2027 / new for 2027 | 10 / 10 | CMS |
| Organizations offering Medicare Advantage in Hudson County (2026) | 10 | CMS |
| Share of eligible beneficiaries in Medicare Advantage, Hudson County | 55% | CMS |
| Residents age 65 and older, Hudson County | 90,793 | U.S. Census Bureau |
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
That is a small roster, but it matters, because D-SNPs and C-SNPs have specific eligibility rules — not everyone can enroll. Here is what to look at before the December 7, 2026 deadline.
What Medicare Advantage plans does Horizon Blue Cross Blue Shield of New Jersey offer in Jersey City for 2027?
In Hudson County — the county Jersey City is in — Horizon Blue Cross Blue Shield of New Jersey is offering two Medicare Advantage plans for 2027. Both are HMOs, both include Part D drug coverage, and both are Special Needs Plans.
The two plans are listed in the table below:
- Horizon NJ TotalCare (HMO D-SNP) — HMO D-SNP, with drug coverage
- Horizon Specialty Care (HMO C-SNP) — HMO C-SNP, with drug coverage; new for 2027
MyMedicarePlans.org is an independent consumer site. We are not Horizon, and we are not Medicare. For plan details — premiums, copays, drug lists, provider networks, star ratings — check the plan on the Medicare Plan Finder at medicare.gov, call 1-800-MEDICARE, or read the plan's own Evidence of Coverage.
What is a D-SNP and a C-SNP, and could I qualify?
A Special Needs Plan is a type of Medicare Advantage plan designed for a specific group of people. You can only enroll if you meet that group's rules.
- A D-SNP (Dual Eligible Special Needs Plan), like Horizon NJ TotalCare (HMO D-SNP), is for people who have both Medicare and Medicaid.
- A C-SNP (Chronic Condition Special Needs Plan), like the new Horizon Specialty Care (HMO C-SNP), is for people living with a specific chronic condition the plan is built around.
Because both of Horizon's 2027 Medicare Advantage plans in Hudson County are SNPs, eligibility is the first thing to confirm. If you are not sure whether you qualify, call 1-800-MEDICARE or ask the plan directly before you enroll. Other carriers in the county offer general Medicare Advantage plans that are open to anyone on Medicare — see the next section.
What is new, renamed or not returning in Horizon's 2027 lineup?
For 2027, Horizon Blue Cross Blue Shield of New Jersey has one new plan in Hudson County — Horizon Specialty Care (HMO C-SNP) — and no plans leaving. There are no renames in its county lineup.
If you are already enrolled in a Horizon plan, that does not mean your coverage is unchanged. Every Medicare Advantage plan sends an Annual Notice of Change (ANOC) each fall listing what is different for next year — premiums, copays, drug tiers, provider network, extra benefits. Read your ANOC side by side with the plan's 2027 Summary of Benefits. If you do nothing, your plan renews for 2027 as described in that notice.
How many other carriers offer Medicare Advantage in Hudson County for 2027?
Eight other carriers are offering Medicare Advantage plans in Hudson County for 2027, and across all carriers there are 48 Medicare Advantage plans available in the county for next year. So Horizon is one option among many, and if its two SNPs are not a fit for you, there is a wide field to compare.
Plan availability is set at the county level by CMS, so the same lineup is available to everyone on Medicare living in Jersey City, Bayonne, Hoboken, Union City and the rest of Hudson County.
How do I check a Horizon plan against my doctors and prescriptions before December 7?
Use the Medicare Plan Finder at medicare.gov/plan-compare. It is the one place that pulls in your drug list and your pharmacy and shows you the real 2027 cost picture for each plan.
A good order of operations:
1. Make a list of your prescriptions (name, dose, how often) and your doctors and hospitals. 2. Enter your drugs into Plan Finder. It will show each plan's formulary, tier placement and estimated yearly drug cost. 3. Check the provider directory for each plan you are considering — on the carrier's own site or by calling the plan — to confirm your doctors are in network for 2027. Networks can change on January 1. 4. For a SNP, confirm you meet the eligibility rules (Medicaid status for a D-SNP; a qualifying diagnosis for a C-SNP). 5. Read the Evidence of Coverage for the exact rules on referrals, prior authorization and out-of-network care.
If you prefer to talk to a person, 1-800-MEDICARE is open 24/7.
What is changing in Medicare itself for 2027?
A few program-wide numbers are already set for 2027:
- The Part D out-of-pocket cap rises to $2,400 in 2027 (it is $2,100 in 2026). Once your out-of-pocket spending on covered drugs hits that cap, you pay $0 for covered drugs the rest of the year.
- The Part D maximum deductible is $700 in 2027 ($615 in 2026). Plans can set a lower deductible.
- The Part D national base beneficiary premium for 2027 is $41.33. That is a formula input Medicare uses — it is not what any particular plan charges.
- The Medicare Prescription Payment Plan is still available, letting you spread your drug costs over the calendar year in monthly bills instead of paying at the pharmacy counter.
A few 2027 figures are not out yet. CMS usually announces the 2027 Part B standard premium and deductible and the 2027 IRMAA income brackets later in the fall, typically in November. We will update once those are posted.
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 Hudson County
(MA penetration in Hudson 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.
2027 plan lineup
Horizon Blue Cross Blue Shield of New Jersey Medicare Advantage plans in Hudson County for 2027
CMS lists 2 Horizon Blue Cross Blue Shield of New Jersey Medicare Advantage plans in Hudson County for 2027, alphabetically by carrier. 8 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Horizon Blue Cross Blue Shield of New Jersey 2 plans | |||
| Horizon NJ TotalCare (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Horizon Specialty Care (HMO C-SNP) | HMO C-SNP | Yes | New |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
How Horizon Blue Cross Blue Shield of New Jersey Medicare Advantage plans in Hudson County break down for 2027
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
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
Do I have to do anything during Annual Enrollment if I like my current Horizon plan?
Can anyone on Medicare in Jersey City join a Horizon Medicare Advantage plan for 2027?
When do changes I make during Annual Enrollment take effect?
Where can I see every Medicare Advantage plan available in Hudson County, not just Horizon's?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Also for Jersey City
Sources and methodology
- CMS, Medicare Advantage and Part D Landscape Source Files
- CMS, Medicare Advantage state/county penetration and enrollment files
- U.S. Census Bureau, American Community Survey (table B01001, age 65 and older)
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
Figures cited in this article
- CMS — Medicare Advantage Landscape Source File (plan year 2027): Horizon's plans in Hudson County, plan types, SNP status, drug coverage, and the year-over-year change (new, not returning, renamed).
- CMS — Medicare Advantage Landscape Source File (plan year 2026): the 2026 baseline for comparison and the total plan and carrier count in the county.
- CMS — 2027 Part D parameter announcement: the $2,400 out-of-pocket cap, $700 maximum deductible, and $41.33 national base beneficiary premium.
- Medicare.gov — Enrollment periods and Plan Finder: Annual Enrollment Period dates and how to compare plans against your drugs and doctors.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.