Medicare Advantage

West New York Medicare: Hudson County 2027 plans

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 West New York, not which plan to pick.

Medicare in West New York: 46 Medicare Advantage plan options available in Hudson County for 2027.

WEST NEW YORK, N.J. — If you're turning 65 or rethinking your coverage this fall, you have a lot of choices to sort through. West New York is in Hudson County, where 46 Medicare Advantage plans are available for 2027, according to the Centers for Medicare & Medicaid Services (CMS) plan landscape data. That's a lot of options — and knowing how many plans are on the table is the first step to picking one that fits.

This article focuses on the count of choices in your area, not the details of any single plan. Use it as a starting map before you dig into specifics on medicare.gov.

What the numbers mean for West New York

West New York residents shop from Hudson County's plan menu. For 2027, that menu includes:

• 48 Medicare Advantage plans in the county
• 9 carriers offering Medicare Advantage with drug coverage (MA-PD)
• About 90,793 residents age 65+ in the county who may be weighing these options

Forty-eight is a big number, but you won't actually compare all of them. Most people can narrow the list quickly once they factor in their doctors, their prescriptions, and whether they want extra benefits bundled in.

Advantage, Part D, or Original Medicare?

Before you count plans, decide which lane you're in:

• Original Medicare (Parts A and B) is the federal program. You can add a stand-alone Part D drug plan and, if you want, a Medigap (supplement) policy.
• Medicare Advantage (Part C) is offered by private insurers approved by Medicare. These plans bundle Parts A and B and usually include Part D drug coverage.

In Hudson County, the CMS landscape data shows 0 stand-alone Part D plans listed at the county level for this snapshot. In practice, if you take Original Medicare and want drug coverage, you'll still shop stand-alone Part D plans through Medicare's Plan Finder — they're sold on a regional basis. If you go with Medicare Advantage, drug coverage is typically built in.

How to narrow 48 plans down to a short list

You don't have to read 48 brochures. A simple approach:

1. List your doctors and hospitals. Check which plans include them in-network. 2. List your prescriptions. Enter them into Medicare's Plan Finder to see how each plan handles them. 3. Think about how you use care. Do you travel often? Do you need specialists regularly? 4. Compare total expected cost, not just the premium — deductibles, copays, and out-of-pocket maximums all matter.

Medicare's Plan Finder at medicare.gov does the heavy math once you enter your ZIP code and drug list.

What Star Ratings tell you (and what they don't)

CMS publishes Star Ratings each fall to measure plan quality — things like customer service, member complaints, and care outcomes. Ratings run from 1 to 5 stars.

For the current cycle, CMS data shows 0 contracts in this area rated 4 stars or higher. Ratings can shift year to year and depend on the parent contract, not the specific plan name you see advertised. Treat stars as one signal among many — not a substitute for checking whether your doctors and drugs are covered.

Key 2027 rules that apply no matter which plan you pick

• Part D out-of-pocket cap: $2,400 for the year in 2027. Once you hit it, you pay nothing for covered drugs the rest of the year.
• Part D maximum deductible: $700 in 2027.
• The "donut hole" is gone. Since 2025, Part D has three phases, not four.
• Medicare Prescription Payment Plan: an optional program that lets you spread drug costs across the year in monthly payments instead of paying big amounts at the pharmacy.
• IRMAA: higher-income enrollees pay extra for Parts B and D. For 2026, surcharges begin above $109,000 in income for a single filer.

Important dates

• October 15 – December 7: Annual Enrollment Period. Change your Medicare Advantage or Part D plan for the following year.
• January 1 – March 31: Medicare Advantage Open Enrollment. If you're already in an Advantage plan, you can switch to another Advantage plan or return to Original Medicare (and add a Part D plan).

Where to get free, unbiased help

• medicare.gov — the official Plan Finder tool.
• 1-800-MEDICARE (1-800-633-4227) — available 24/7.
• New Jersey SHIP (State Health Insurance Assistance Program) — free one-on-one counseling from trained volunteers who don't sell plans. In New Jersey, SHIP is run through the Department of Human Services.