Medicare Advantage
UnitedHealthcare's 2027 Medicare Advantage lineup in Newark: 12 plans, 1 new addition
Newark, N.J. — Fall 2026. If you have a UnitedHealthcare Medicare Advantage plan in Newark, or you are weighing one for next year, the carrier's 2027 roster for Essex County is now set. Newark is in Essex County, where UnitedHealthcare will offer 12 Medicare Advantage plans for 2027, with one plan new for the year and none of its current plans leaving. The window to switch, drop or join a plan runs October 15 through December 7, 2026, and your choice takes effect January 1, 2027.
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Key takeaways
- UnitedHealthcare is offering 12 Medicare Advantage plans in Essex County for 2027: 1 HMO, 6 HMO-POS and 5 PPO, with 10 of them including drug coverage.
- One plan is new for 2027 (UHC Complete Care NJ-8, an HMO-POS C-SNP), and none of the carrier's current Essex County plans are leaving.
- If you do nothing, your current plan renews for 2027 if it is still offered — the Annual Notice of Change (ANOC) your plan mailed in September lists what is changing.
- Before December 7, 2026, check each plan on Medicare.gov against your doctors, hospitals and prescriptions; plan details come from the Plan Finder, 1-800-MEDICARE, or the plan's own Evidence of Coverage.
| Fact | Figure | Source |
|---|---|---|
| Medicare Advantage plans offered in Essex County (2026) | 48 | CMS |
| Medicare Advantage plans offered in Essex County (2027) | 48 | CMS |
| Plans not returning for 2027 / new for 2027 | 10 / 10 | CMS |
| Organizations offering Medicare Advantage in Essex County (2026) | 10 | CMS |
| Share of eligible beneficiaries in Medicare Advantage, Essex County | 50% | CMS |
| Residents age 65 and older, Essex County | 122,640 | 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.
MyMedicarePlans.org is an independent consumer news and education site. We are not UnitedHealthcare, and we are not Medicare. Eight other carriers also sell Medicare Advantage plans in Essex County for 2027, for a county total of 48 plans — this piece focuses only on UnitedHealthcare because readers often want one carrier's full picture before they compare.
How many UnitedHealthcare Medicare Advantage plans are offered in Newark for 2027?
UnitedHealthcare is offering 12 Medicare Advantage plans in Essex County — the county Newark sits in — for 2027. By plan type, that is 1 HMO, 6 HMO-POS and 5 PPO. Ten of the 12 include Part D prescription drug coverage; two do not.
The table below lists every UnitedHealthcare plan available in the county next year, in alphabetical order, along with the plan type and whether drug coverage is included. CMS sets Medicare Advantage availability at the county level, so every Newark address inside Essex County sees the same menu.
What Special Needs Plans does UnitedHealthcare offer in Essex County in 2027?
UnitedHealthcare's 2027 Essex County lineup includes three Special Needs Plans (SNPs): one Dual Eligible SNP (UHC Dual Complete NJ-Y001), one Chronic Condition SNP (UHC Complete Care NJ-8), and one Institutional SNP (UHC Nursing Home Plan EX-F003). SNPs are limited to people who meet specific eligibility rules.
- A D-SNP is for people who have both Medicare and Medicaid.
- A C-SNP is for people with certain chronic conditions the plan is designed around.
- An I-SNP is for people who live in a nursing home or need a similar level of care.
If you are not sure whether you qualify, Medicare.gov and 1-800-MEDICARE can confirm your eligibility before you apply.
What is new or not returning from UnitedHealthcare in Newark for 2027?
For 2027, UnitedHealthcare is adding one new plan in Essex County — UHC Complete Care NJ-8, an HMO-POS Chronic Condition SNP with drug coverage — and is not discontinuing any of its current Essex County plans. Plans that are returning may still change in other ways from one year to the next: the drug formulary, the pharmacy network, provider participation, cost sharing or extra benefits can all shift.
Those year-over-year changes are spelled out in the Annual Notice of Change (ANOC) your plan mailed to you in September 2026. If you cannot find it, call the plan directly and ask for a copy, or review the plan on Medicare.gov.
How do I check a UnitedHealthcare plan against my doctors and prescriptions before December 7?
The most reliable tool is the Medicare Plan Finder at Medicare.gov. You can enter your Newark ZIP code, add each prescription with its dose and pharmacy, and the Plan Finder will show which plans cover your drugs and what each would cost you across the year. For doctors and hospitals, check the plan's own online provider directory and, to be safe, call the office to confirm the plan is in network for 2027 — directories update throughout the year.
A short checklist for the window:
- Read your ANOC and compare it to how you actually used the plan this year.
- Make a list of your doctors, hospitals and regular prescriptions (with doses).
- Run that list through Medicare.gov for every plan you are considering.
- Call 1-800-MEDICARE (24/7) or the plan directly if anything is unclear.
Doing nothing is also a choice: if your current plan is offered in 2027, it renews automatically on January 1 with the ANOC changes.
What 2027 Medicare figures are already confirmed?
CMS has confirmed several Part D numbers for 2027. The Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100 in 2026). The Part D maximum deductible is $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 CMS uses, not what any particular plan charges.
The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet. CMS typically publishes them later in the fall, usually in November. Please do not rely on projections you may see elsewhere until CMS posts the official figures.
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 Essex County
(MA penetration in Essex 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
UnitedHealthcare Medicare Advantage plans in Essex County for 2027
CMS lists 12 UnitedHealthcare Medicare Advantage plans in Essex County for 2027, alphabetically by carrier. 8 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| UnitedHealthcare 12 plans | |||
| AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC NJ-0002 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC NJ-0003 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC NJ-0004 (PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage from UHC NJ-0005 (PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage from UHC NJ-6 (PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) | HMO-POS | No | Returning |
| AARP Medicare Advantage Patriot No Rx NJ-MA2 (PPO) | PPO | No | Returning |
| UHC Complete Care NJ-8 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | New |
| UHC Dual Complete NJ-Y001 (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| UHC Nursing Home Plan EX-F003 (PPO I-SNP) | PPO I-SNP | Yes | Returning |
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 UnitedHealthcare Medicare Advantage plans in Essex 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 Period (Open Enrollment)Anyone 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 UnitedHealthcare plan?
Can I switch between UnitedHealthcare plans after December 7?
Does the Newark ZIP code matter, or is availability the same across the city?
Where can I get help comparing plans one-on-one?
Watch
The Medicare Advantage changes for 2027 in every state, in 30 seconds
- 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 Newark
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 Files (2026 and 2027): UnitedHealthcare's Essex County plan counts, plan types, SNP types, and what is new or not returning for 2027.
- CMS — 2027 Part D parameters: out-of-pocket cap, maximum deductible, and national base beneficiary premium.
- Medicare.gov — Annual Enrollment Period dates, Plan Finder tool, and 1-800-MEDICARE for personalized plan questions.
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.