Medicare Advantage
Living with a chronic condition in Jersey City? Here are the 2027 C-SNPs
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.
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Key takeaways
- Hudson County has 7 C-SNPs for 2027, offered by five carriers: Devoted Health, Elevance Health (Anthem), Horizon Blue Cross Blue Shield of New Jersey, Humana, and UnitedHealthcare.
- A C-SNP is a Medicare Advantage plan limited to people with a qualifying chronic condition, and your doctor must confirm the diagnosis for you to stay enrolled.
- Qualifying for a C-SNP triggers a Special Enrollment Period, so you do not have to wait for the October 15 – December 7, 2026 window to join.
- Plan details — costs, drug lists, provider networks — come from the Medicare Plan Finder at medicare.gov, 1-800-MEDICARE, or each plan's own documents.
| 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.
JERSEY CITY, N.J. — For the 2027 plan year, people in Hudson County who live with a qualifying chronic condition will have seven Chronic Condition Special Needs Plans (C-SNPs) to consider, a type of Medicare Advantage plan built around a specific diagnosis. The Annual Enrollment Period runs October 15 through December 7, 2026, and changes made in that window take effect January 1, 2027.
What is a C-SNP, and how is it different from a regular Medicare Advantage plan?
A Chronic Condition Special Needs Plan (C-SNP) is a type of Medicare Advantage plan that only enrolls people who have a specific chronic illness, such as diabetes, chronic heart failure, or end-stage renal disease. CMS keeps a list of 15 qualifying conditions, and each C-SNP picks one condition — or a related group of conditions — to serve.
Because every member shares a diagnosis, C-SNPs are built around that condition. Like other Medicare Advantage plans, they bundle Part A and Part B, and most include Part D drug coverage. Unlike a general plan, enrollment is limited: if you do not have the qualifying condition on file, you cannot join, and you can be disenrolled if the diagnosis is not confirmed.
Which C-SNPs are offered in Jersey City for 2027?
Jersey City is in Hudson County, where 7 C-SNPs are available for the 2027 plan year out of 48 Medicare Advantage plans total. Five carriers offer them. The table on this page lists every plan; in alphabetical order by carrier, the C-SNPs are:
- Devoted Health — DEVOTED C-SNP CHOICE ENHANCED 004 NJ (PPO C-SNP), new for 2027
- Devoted Health — DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 005 NJ (PPO C-SNP), new for 2027
- Devoted Health — DEVOTED C-SNP CHOICE PLUS 003 NJ (PPO C-SNP), new for 2027
- Elevance Health (Anthem) — Wellpoint Kidney Care (HMO-POS C-SNP)
- Horizon Blue Cross Blue Shield of New Jersey — Horizon Specialty Care (HMO C-SNP), new for 2027
- Humana — Humana Gold Plus - Diabetes and Heart (HMO C-SNP)
- UnitedHealthcare — UHC Complete Care NJ-8 (HMO-POS C-SNP), new for 2027
Only two plan names on the Hudson County list state the condition they serve: the Wellpoint plan names kidney care, and the Humana plan names diabetes and heart. For the others, the condition served is in the plan's own documents — not something to guess from the name.
How does someone qualify for a C-SNP in Hudson County?
To join a C-SNP, you must have the chronic condition that plan is built for, and a provider has to confirm the diagnosis. After you apply, the plan contacts your doctor to verify your condition. If the plan cannot confirm it within a set period, your enrollment can be ended.
You also need to be enrolled in Medicare Part A and Part B and live in the plan's service area. Hudson County residents, including those in Jersey City, meet the service-area test for the plans listed above.
Is there a Special Enrollment Period for people with a chronic condition?
Yes. Having a qualifying chronic condition opens a Special Enrollment Period (SEP) to join a C-SNP, so you are not limited to the fall Annual Enrollment Period. You can use this SEP once to enroll in a C-SNP that fits your diagnosis.
Once you are in a C-SNP, the usual Medicare rules apply for switching. The Annual Enrollment Period runs October 15 – December 7, 2026 for 2027 coverage, and the Medicare Advantage Open Enrollment Period runs January 1 – March 31, 2027. If your condition changes or is no longer confirmed, Medicare also offers an SEP to move to another plan.
What is changing for 2027 that chronic-condition shoppers should know?
Two things stand out for 2027. First, the C-SNP lineup in Hudson County is growing: five of the seven C-SNPs listed above are new for 2027. If you have been in a C-SNP for a while, your current plan may still be offered — its Annual Notice of Change (ANOC) spells out what is different — but there are more options to compare this year.
Second, Part D changes that affect everyone with drug coverage: the out-of-pocket cap on covered Part D drugs rises to $2,400 in 2027 (up from $2,100 in 2026), and the Part D maximum deductible rises to $700 in 2027 (up from $615 in 2026). The 2027 Part B standard premium and the 2027 IRMAA income brackets have not been announced yet; CMS typically publishes them later in the fall.
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.
Chronic-condition plans
Chronic Condition Special Needs Plans (C-SNP) in Hudson County for 2027
CMS lists 7 C-SNPs in Hudson County for 2027, alphabetically by carrier. A C-SNP is open to people with a qualifying chronic condition, verified by a provider.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Devoted Health 3 plans | |||
| DEVOTED C-SNP CHOICE ENHANCED 004 NJ (PPO C-SNP) | PPO C-SNP | Yes | New |
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 005 NJ (PPO C-SNP) | PPO C-SNP | Yes | New |
| DEVOTED C-SNP CHOICE PLUS 003 NJ (PPO C-SNP) | PPO C-SNP | Yes | New |
| Elevance Health (Anthem) 1 plan | |||
| Wellpoint Kidney Care (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | Returning |
| Horizon Blue Cross Blue Shield of New Jersey 1 plan | |||
| Horizon Specialty Care (HMO C-SNP) | HMO C-SNP | Yes | New |
| Humana 1 plan | |||
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| UnitedHealthcare 1 plan | |||
| UHC Complete Care NJ-8 (HMO-POS C-SNP) | HMO-POS 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
HMO, PPO and Special Needs Plans in Hudson County for 2027
- Aetna (CVS Health) 7 plans: HMO, PPO
- Centene (WellCare) 3 plans: HMO, HMO-POS
- Clover Health 6 plans: HMO, PPO
- Devoted Health 6 plans: PPO
- Elevance Health (Anthem) 3 plans: HMO, HMO-POS
- Horizon Blue Cross Blue Shield of New Jersey 2 plans: HMO
- Humana 7 plans: HMO, PPO
- Longevity Health Plan 2 plans: PPO
- UnitedHealthcare 12 plans: HMO, HMO-POS, PPO
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
Can I join a C-SNP if I only think I might have a qualifying condition?
What happens if my health changes and I no longer have the qualifying condition?
Do all C-SNPs in Hudson County cover the same conditions?
I already have a Medicare Advantage plan. Do I have to switch to a C-SNP?
- 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): the C-SNP count, carriers and plan names for Hudson County, and which plans are new for 2027.
- CMS — Medicare Advantage Landscape Source Files (2026 and 2027): the year-over-year comparison for Hudson County.
- Medicare.gov: how C-SNPs work, qualifying conditions, enrollment periods, and the Special Enrollment Period for people with a qualifying chronic condition.
- CMS — 2027 Part D parameters: the $2,400 out-of-pocket cap and $700 maximum deductible for 2027.
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.