Medicare Advantage

North Bergen Medicare in 2027: how big is the menu in Hudson County?

People in North Bergen can choose from 48 Medicare Advantage plans for 2027, against 48 this year. Ten of this year’s plans are gone, 10 are new to Hudson County, and 12 that continue have changed their premium, deductible, plan type or name, 2 of them under a new name.

Medicare AdvantageNorth Bergen, NJ

If you live in North Bergen and you're sizing up Medicare for 2027, the first question is usually the simplest: how many choices are actually on the table? The short answer is that the menu is wide. North Bergen sits in Hudson County, where federal data shows 46 Medicare Advantage plans are available for 2027, offered by 9 different carriers. That's the backdrop for every decision you'll make this fall.

What the 2027 count actually means

Medicare plan availability is set at the county level, not the city level. So when we say North Bergen has 46 Medicare Advantage plans to consider, what we really mean is that Hudson County — which includes North Bergen along with Jersey City, Union City, Hoboken and other towns — has 46 MA plans on the 2027 landscape.

Nine carriers are behind those 48 plans. That's an important distinction: a single insurer often offers several plans in the same county, each with its own network and structure. So the number of companies you'd actually be shopping among is smaller than the plan count suggests.

With roughly 90,793 residents age 65 or older in Hudson County, that's a meaningful audience choosing from a crowded field.

Stand-alone Part D: what the data shows

The area data for Hudson County lists 0 stand-alone Part D prescription drug plans for 2027. In practice, that means most local beneficiaries who want drug coverage get it bundled inside a Medicare Advantage plan (often called an MA-PD).

If you have Original Medicare and want a separate drug plan, this is worth confirming directly on medicare.gov's Plan Finder for your ZIP code, since options can shift year to year.

Star Ratings in the area

CMS publishes Star Ratings each year to help people compare Medicare Advantage and Part D contracts on quality and member experience. In the current Hudson County data, 0 contracts are rated 4 stars or higher. Ratings are one input among many — network, drug coverage, and how a plan fits your own doctors and prescriptions matter, too.

Dates to circle for 2027

• Annual Enrollment Period: Oct. 15 – Dec. 7, 2026. This is when you can join, switch, or drop a Medicare Advantage or Part D plan for 2027.
• Medicare Advantage Open Enrollment: Jan. 1 – March 31. If you're already in an MA plan, you get one chance during this window to switch to another MA plan or return to Original Medicare.

A few 2027 program facts worth knowing

These apply nationwide, not just in North Bergen:

• Part D has a $2,400 out-of-pocket cap in 2027 (up from $2,100 in 2026).
• The Part D maximum deductible is $700 in 2027 (up from $615 in 2026).
• The old "donut hole" coverage gap 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 bills instead of paying at the pharmacy.
• IRMAA surcharges on Part B and Part D premiums start above $109,000 in income for a single filer in 2026.

How to work through 48 options without losing your weekend

A shorter list is usually a better list. Some ways to narrow the field:

• Start with your doctors and hospitals. Check which plans include them in-network.
• Then layer in your prescriptions. Enter them into Plan Finder to see how each plan's formulary handles them.
• Look at plan type (HMO vs. PPO) and whether referrals fit how you like to get care.
• Compare the total picture — premium, deductible, cost-sharing, and out-of-pocket limit — not just one number.