Medicare Advantage

Jersey City's 2027 Medicare Advantage roster: 46 plans across 9 carriers, mapped by type

Hudson County has 48 Medicare Advantage plans for 2027. Compared with 2026, 10 plans are not coming back, 10 are new, and 12 continuing plans changed in some way you should check before December 7, 2 of them under a new name. This guide covers what those numbers mean for Jersey City, not which plan to pick.

Jersey City residents shopping Medicare Advantage for 2027 have a wide field to sort through. Hudson County, where Jersey City sits, has 46 Medicare Advantage plans on offer from 9 carriers for the 2027 plan year, according to the CMS Medicare Advantage Landscape Source File. The full roster — every plan, its carrier, its plan type, and whether it includes drug coverage — is in the table below.

This article walks through what that list looks like at a glance, so you can narrow down before you open the Medicare Plan Finder.

What "available in Jersey City" really means

Medicare Advantage availability is set by CMS at the county level, not by ZIP code or city. Jersey City is in Hudson County, so any plan listed as available in Hudson County is available to Jersey City residents on Medicare. That is why we describe the roster as a county list — it applies to Bayonne, Hoboken, Union City and every other Hudson County community the same way it applies to Jersey City.

Hudson County has a population of about 90,793 people age 65 and older, and the 2027 field includes 46 MA plans from 9 carriers.

The carriers offering plans next year

Nine carriers are on the 2027 Hudson County landscape. In alphabetical order:

• Aetna (CVS Health): 8 plans (HMO, PPO; 1 Special Needs)
• Blue Cross Blue Shield (HCSC): 1 plan (PPO)
• Braven Health: 4 plans (PPO)
• Centene (WellCare): 6 plans (HMO, HMO-POS; 1 Special Needs)
• Clover Health: 6 plans (HMO, PPO)
• Elevance Health (Anthem): 3 plans (HMO, HMO-POS; 3 Special Needs)
• Horizon Blue Cross Blue Shield of New Jersey: 1 plan (HMO; 1 Special Needs)
• Humana: 6 plans (HMO, PPO; 1 Special Needs)
• Longevity Health Plan: 2 plans (PPO; 2 Special Needs)
• UnitedHealthcare: 11 plans (HMO, HMO-POS, PPO; 2 Special Needs)

Each individual plan — such as Aetna Medicare Eagle Giveback (HMO), Braven Medicare Choice (PPO), Wellcare Simple (HMO-POS), Clover Health Classic (HMO), Horizon NJ TotalCare (HMO D-SNP), or AARP Medicare Advantage from UHC NJ-0002 (HMO-POS) — is listed by name in the table below. For premiums, copays, provider networks and star ratings, use the Medicare Plan Finder at medicare.gov or the plan's own documents. We do not publish those details here.

HMO, HMO-POS or PPO: how the plan types split

Plan type is one of the first things to look at, because it shapes how you use the plan.

• HMO plans (12 in the county): You generally use in-network doctors and hospitals and often need a referral to see a specialist.
• HMO-POS plans (12 in the county): Like an HMO, but with a "point-of-service" option to go outside the network for certain services, usually at a higher cost.
• PPO plans (24 in the county): You can see out-of-network providers, though you'll usually pay less if you stay in-network.

If your doctors are already in a specific network, plan type may matter less than which plans that network is contracted with. If you split time between New Jersey and another state, a PPO's out-of-network flexibility may be worth a closer look.

Drug coverage and Special Needs Plans

All 46 Hudson County plans for 2027 include Part D prescription drug coverage. That is important because Hudson County has no stand-alone Part D drug plans listed in this data — so enrollees who want Advantage coverage will get their drug benefit built into the MA-PD plan itself.

Of the 48 plans, 11 are Special Needs Plans (SNPs). SNPs are limited to people who meet specific eligibility rules:

• D-SNPs are for people with both Medicare and Medicaid.
• C-SNPs are for people with certain chronic conditions.
• I-SNPs are for people who live in, or need the level of care provided in, a long-term care facility.

If you don't meet the eligibility for a given SNP, you won't be able to enroll in it, even if it appears on the county list.

2027 program facts worth knowing before you shop

A few Medicare-wide numbers apply no matter which plan you choose:

• The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027. Once your out-of-pocket drug spending reaches that amount, you pay nothing for covered Part D drugs the rest of the year.
• The Part D maximum deductible is $615 in 2026 ($700 in 2027), though many plans set a lower one.
• The old coverage gap ("donut hole") was eliminated in 2025. Part D now has three phases.
• The Medicare Prescription Payment Plan lets you spread drug costs across the year in monthly payments instead of paying at the pharmacy counter. It's optional.
• IRMAA surcharges for higher-income beneficiaries start above $109,000 in income for a single filer in 2026.

Star Ratings, published by CMS, are one more input. In Hudson County for 2027, no contracts on the landscape are rated 4 stars or higher. Ratings are a summary of quality and member experience measures — one factor among many, not a ranking of which plan is right for you.

Key dates

• Annual Enrollment Period: October 15 – December 7. This is when most people join, switch or drop Medicare Advantage and Part D coverage for the following year.
• Medicare Advantage Open Enrollment: January 1 – March 31. If you're already in an MA plan, you get one chance during this window to switch to a different MA plan or return to Original Medicare (and add a Part D plan).

If you're aging into Medicare, your Initial Enrollment Period is tied to your 65th birthday, not to these annual windows.