Top-Rated Medicare Advantage Plans in Paterson (Passaic County) for 2027
Clover Health, Longevity Health Plan and UnitedHealthcare have 2027 plans in Passaic County rated 5 stars by Medicare in the 2027 CMS Star Ratings.
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2027 CMS Star Ratings
Top-rated Medicare Advantage plans in Passaic County (2027 CMS Star Ratings)
Of the 46 Medicare Advantage plans offered in Passaic County for 2027, 6 are rated 5 stars, 6 are rated 4.5 stars and 19 are rated 4 stars in the 2027 CMS Star Ratings.
Passaic County includes Paterson, Clifton, Passaic and Wayne. Plans are approved for the whole county, so the same plans are offered in each of them.
| Plan | Insurer | Plan type | 2027 overall rating |
|---|---|---|---|
| Clover Health Choice (PPO) | Clover Health | PPO | 5 out of 5 |
| Clover Health Choice Giveback (PPO) | Clover Health | PPO | 5 out of 5 |
| Clover Health Choice Value (PPO) | Clover Health | PPO | 5 out of 5 |
| Longevity Health Plan (PPO I-SNP) | Longevity Health Plan | PPO I-SNP | 5 out of 5 |
| Longevity Health Plan (PPO I-SNP) | Longevity Health Plan | PPO I-SNP | 5 out of 5 |
| UHC Nursing Home Plan EX-F003 (PPO I-SNP) | UnitedHealthcare | PPO I-SNP | 5 out of 5 |
| Aetna Medicare Eagle Giveback (HMO) | Aetna (CVS Health) | HMO | 4.5 out of 5 (health plan rating) |
| Aetna Medicare Eagle Giveback (PPO) | Aetna (CVS Health) | PPO | 4.5 out of 5 (health plan rating) |
| Clover Health Classic (HMO) | Clover Health | HMO | 4.5 out of 5 |
| Clover Health Value (HMO) | Clover Health | HMO | 4.5 out of 5 |
| HumanaChoice Giveback H7617-045 (PPO) | Humana | PPO | 4.5 out of 5 |
| HumanaChoice Giveback H7617-127 (PPO) | Humana | PPO | 4.5 out of 5 |
| AARP Medicare Advantage from UHC NJ-0004 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage from UHC NJ-0005 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage from UHC NJ-6 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| Aetna Medicare Elite (HMO) | Aetna (CVS Health) | HMO | 4 out of 5 |
| Aetna Medicare Enhanced (Regional PPO) | Aetna (CVS Health) | PPO | 4 out of 5 |
| Aetna Medicare Enhanced Extra (PPO) | Aetna (CVS Health) | PPO | 4 out of 5 |
| Aetna Medicare Prime (HMO-POS) | Aetna (CVS Health) | HMO-POS | 4 out of 5 |
| Aetna Medicare Prime (PPO) | Aetna (CVS Health) | PPO | 4 out of 5 |
| Aetna Medicare Prime Extra (PPO) | Aetna (CVS Health) | PPO | 4 out of 5 |
| Aetna Medicare Prime Giveback (PPO) | Aetna (CVS Health) | PPO | 4 out of 5 |
| Aetna Medicare Signature (HMO) | Aetna (CVS Health) | HMO | 4 out of 5 |
| Clover Health Valor (PPO) | Clover Health | PPO | 4 out of 5 (health plan rating) |
| Horizon NJ TotalCare (HMO D-SNP) | Horizon Blue Cross Blue Shield of New Jersey | HMO D-SNP | 4 out of 5 |
| Horizon Specialty Care (HMO C-SNP) | Horizon Blue Cross Blue Shield of New Jersey | HMO C-SNP | 4 out of 5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | Humana | HMO C-SNP | 4 out of 5 |
| Humana Gold Plus H6622-100 (HMO) | Humana | HMO | 4 out of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | 4 out of 5 (health plan rating) |
| HumanaChoice Giveback H5216-319 (PPO) | Humana | PPO | 4 out of 5 |
| HumanaChoice H5216-461 (PPO) | Humana | PPO | 4 out of 5 |
| AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS) | UnitedHealthcare | HMO-POS | 3.5 out of 5 |
| AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) | UnitedHealthcare | HMO-POS | 3.5 out of 5 |
| AARP Medicare Advantage from UHC NJ-0002 (HMO-POS) | UnitedHealthcare | HMO-POS | 3.5 out of 5 |
| AARP Medicare Advantage from UHC NJ-0003 (HMO-POS) | UnitedHealthcare | HMO-POS | 3.5 out of 5 |
| AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) | UnitedHealthcare | HMO-POS | 3.5 out of 5 (health plan rating) |
| AARP Medicare Advantage Patriot No Rx NJ-MA2 (PPO) | UnitedHealthcare | PPO | 3.5 out of 5 (health plan rating) |
| UHC Complete Care NJ-8 (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP | 3.5 out of 5 |
| Aetna Medicare FIDE (HMO D-SNP) | Aetna (CVS Health) | HMO D-SNP | 3 out of 5 |
| UHC Dual Complete NJ-Y001 (HMO D-SNP) | UnitedHealthcare | HMO D-SNP | 3 out of 5 |
| Wellcare Assist (HMO-POS) | Centene (WellCare) | HMO-POS | 3 out of 5 |
| Wellcare Fidelis Dual Align (HMO D-SNP) | Centene (WellCare) | HMO D-SNP | 3 out of 5 |
| Wellcare Low Premium (HMO-POS) | Centene (WellCare) | HMO-POS | 3 out of 5 |
| Wellpoint Extra Help (HMO) | Elevance Health (Anthem) | HMO | 3 out of 5 |
| Wellpoint Full Dual Advantage (HMO D-SNP) | Elevance Health (Anthem) | HMO D-SNP | 3 out of 5 |
| Wellpoint Kidney Care (HMO-POS C-SNP) | Elevance Health (Anthem) | HMO-POS C-SNP | 3 out of 5 |
A plan without Part D drug coverage has no overall rating; its Part C summary rating (health plan rating) is shown instead, as CMS does.
Compare plans for your ZIP code in Medicare's Plan Finder on Medicare.gov.
What Medicare Star Ratings measure
CMS rates every Medicare Advantage contract from 1 to 5 stars each year. For 2027, the health plan (Part C) rating looks at five areas: staying healthy (screenings, tests and vaccines), managing chronic (long-term) conditions, members' experience with the plan, member complaints and changes in the plan's performance, and the plan's customer service. A plan with drug coverage is also rated on four drug plan (Part D) areas: customer service, member complaints and changes in performance, members' experience, and drug safety and accuracy of drug pricing.
The scores come from member surveys, information plans and providers report, and Medicare's own data such as complaints and appeals. The overall rating combines the health and drug plan measures; a plan without drug coverage has a Part C summary rating instead. Ratings are given per contract, so every plan under the same contract carries the same stars.
The 5-star Special Enrollment Period
Medicare's 5-star Special Enrollment Period lets you switch, once, to a plan with a 5-star overall rating that is offered where you live, outside the usual enrollment periods. For plans rated 5 stars for 2027, it runs from December 8, 2026 through November 30, 2027.
In Passaic County, 6 Medicare Advantage plans have a 5-star overall rating for 2027, so the 5-star Special Enrollment Period can apply here.
If you switch from a plan with drug coverage to a 5-star plan without it, you could lose your drug coverage, so check before you switch.
Every year, Medicare evaluates plans based on a 5-star rating system.
These ratings are CMS's, not ours, and we do not recommend plans. A rating does not tell you whether a plan covers your doctors and drugs or what it charges.
Source: CMS 2027 Star Ratings Data Tables (Summary Ratings), released October 8, 2026; plans offered: CMS CY2027 Medicare Advantage Landscape file.
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