Medicare Advantage

UnitedHealthcare's 2027 Medicare Advantage lineup in Jersey City: one new plan, full roster

JERSEY CITY, N.J. — Fall 2026. UnitedHealthcare will offer 12 Medicare Advantage plans in Hudson County for 2027, including one new plan and no plans leaving the county. If you live in Jersey City and already have a UnitedHealthcare plan — or you are shopping one — the window to make a change for January 1, 2027 coverage runs October 15 through December 7, 2026.

This article walks through the full UnitedHealthcare lineup in Hudson County (the county Jersey City sits in), by plan type and whether the plan includes drug coverage, so you can line it up against your doctors and prescriptions before the deadline. MyMedicarePlans.org is an independent consumer site and is not UnitedHealthcare; eight other carriers also sell Medicare Advantage plans in Hudson County for 2027, for 48 plans across all carriers.

What Medicare Advantage plans does UnitedHealthcare offer in Jersey City for 2027?

UnitedHealthcare offers 12 Medicare Advantage plans in Hudson County for 2027. By type, that breaks down to 1 HMO, 6 HMO-POS and 5 PPO plans. Ten of the 12 include Part D prescription drug coverage; two do not.

The full roster is shown in the table below. In alphabetical order, UnitedHealthcare's 2027 Hudson County plans are: AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS), AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS), AARP Medicare Advantage from UHC NJ-0002 (HMO-POS), AARP Medicare Advantage from UHC NJ-0003 (HMO-POS), AARP Medicare Advantage from UHC NJ-0004 (PPO), AARP Medicare Advantage from UHC NJ-0005 (PPO), AARP Medicare Advantage from UHC NJ-6 (PPO), AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS), AARP Medicare Advantage Patriot No Rx NJ-MA2 (PPO), UHC Complete Care NJ-8 (HMO-POS C-SNP), UHC Dual Complete NJ-Y001 (HMO D-SNP) and UHC Nursing Home Plan EX-F003 (PPO I-SNP).

Jersey City is in Hudson County, and Medicare Advantage availability is set at the county level, so these are the UnitedHealthcare plans a Jersey City resident can choose from.

Which UnitedHealthcare Special Needs Plans are available in Hudson County for 2027?

UnitedHealthcare offers three Special Needs Plans (SNPs) in Hudson County for 2027: one D-SNP, one C-SNP and one I-SNP. SNPs are Medicare Advantage plans built for people who meet specific eligibility rules.

A D-SNP (Dual Eligible) is for people who have both Medicare and Medicaid. A C-SNP (Chronic Condition) is for people living with a qualifying chronic condition. An I-SNP (Institutional) is for people who live in a nursing facility or need that level of care at home. You can only enroll in a SNP if you qualify for it; the plan documents and medicare.gov list the exact rules.

What is new or not returning from UnitedHealthcare in Jersey City for 2027?

For 2027, UnitedHealthcare is adding one new Medicare Advantage plan in Hudson County and is not pulling any of its current plans out of the county. The new plan is UHC Complete Care NJ-8, an HMO-POS C-SNP with drug coverage.

Even when a plan "returns," it can still change — the premium, drug list, provider network, copays or extra benefits may look different in 2027 than they did in 2026. Those specifics come in the Annual Notice of Change (ANOC) your plan mails each fall. If you have not seen yours, call the number on your member ID card.

How do I check a UnitedHealthcare plan against my doctors and prescriptions before December 7?

Use the Medicare Plan Finder at medicare.gov. It is the only tool that lets you type in your prescriptions and preferred pharmacy and see how each 2027 plan would cover them side by side.

A quick checklist:

• Enter each prescription with the exact dose and how often you take it.
• Pick the pharmacy you actually use (in-network status and pricing vary).
• Confirm your doctors and hospitals are in-network by searching the plan's own provider directory or calling the plan — Plan Finder does not list every provider.
• For a SNP, confirm you meet the eligibility rules before you apply.
• If you want help, call 1-800-MEDICARE (1-800-633-4227), open 24/7.

What should Jersey City residents know about Part D costs in 2027?

Two Part D figures are already set for 2027. The annual out-of-pocket cap for covered Part D drugs rises to $2,400 in 2027 (up from $2,100 in 2026), and the maximum Part D deductible a plan can charge rises to $700 in 2027 (up from $615 in 2026). The Part D national base beneficiary premium for 2027 is $41.33 — that is a formula input, not what any particular plan charges.

The 2027 standard Part B premium and deductible and the 2027 IRMAA income brackets have not yet been announced; CMS usually publishes those figures later in the fall. The optional Medicare Prescription Payment Plan is still available to spread drug costs across the calendar year in monthly bills.

What happens if I do nothing by December 7, 2026?

Nothing dramatic. If you take no action, your current Medicare Advantage plan renews on January 1, 2027 — as long as it is still offered in Hudson County — with whatever changes are listed in its ANOC. Since none of UnitedHealthcare's current Hudson County plans are leaving for 2027, members of those plans will roll over automatically.

If you want to switch, the Annual Enrollment Period runs October 15 – December 7, 2026, and your new coverage starts January 1, 2027. There is also a Medicare Advantage Open Enrollment Period from January 1 – March 31, 2027, when someone already in a Medicare Advantage plan can make one change.