Medicare Part D
New Jersey Part D Plans for 2027: 11 Stand-Alone Drug Plans From 6 Insurers, Down From 12
TRENTON — New Jerseyans who buy a stand-alone Medicare prescription drug plan will choose from 11 options for 2027, offered by six insurers across the state's single Part D region. That is one fewer plan than in 2026, when the same six-insurer count supported 12 plans. The lineup changes take effect January 1, 2027, and Medicare's Annual Enrollment runs October 15 through December 7, 2026.
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Click to call 855-729-3240Key takeaways
- New Jersey has 11 stand-alone Part D plans from 6 insurers for 2027, down from 12 plans in 2026.
- Blue Cross and Blue Shield of IL, NM, OK, TX is new to New Jersey's stand-alone Part D market for 2027; HealthSpring offered stand-alone plans in 2026 but not in 2027.
- In 2027, no Part D plan can charge a deductible higher than $700, and the annual out-of-pocket cap on covered drugs is $2,400.
- Annual Enrollment for 2027 runs October 15 – December 7, 2026, and you can compare plans at Medicare.gov or by calling 1-800-MEDICARE.
| Fact | Figure | Source |
|---|---|---|
| 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 |
| Part D maximum deductible (2026) | $615 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
How many stand-alone Part D plans does New Jersey have for 2027?
New Jersey has 11 stand-alone Medicare prescription drug plans for 2027, offered by 6 insurers across the state's Part D region. In 2026, the same number of insurers offered 12 plans, so the state's lineup is down by one plan year over year.
Because New Jersey is a single Part D region in CMS's structure, every stand-alone plan counted here is available to Medicare beneficiaries anywhere in the state — from Sussex County down to Cape May. The six-insurer figure is unchanged from 2026, but the mix of companies shifted: one insurer entered the market and another stepped out.
Which insurers offer stand-alone Part D plans in New Jersey for 2027?
Six insurers offer stand-alone Part D plans in New Jersey for 2027. Listed alphabetically, they are:
- Aetna Medicare (1 plan)
- Blue Cross and Blue Shield of IL, NM, OK, TX (1 plan)
- Horizon Blue Cross Blue Shield of New Jersey (2 plans)
- Humana (3 plans)
- UnitedHealthcare (2 plans)
- Wellcare (2 plans)
Blue Cross and Blue Shield of IL, NM, OK, TX is new to New Jersey's stand-alone Part D market for 2027. HealthSpring offered stand-alone plans in New Jersey in 2026 but is not offering one for 2027. People currently enrolled in a plan that is leaving will typically receive a written notice from the plan explaining what to do; Medicare.gov is the central place to compare the 2027 options.
What do the 2027 out-of-pocket cap and deductible limit mean for New Jersey enrollees?
For 2027, Medicare caps what any Part D enrollee pays out of pocket for covered drugs at $2,400, and no Part D plan is allowed to charge a deductible higher than $700. Both figures are national Part D program rules set by CMS and apply to every stand-alone plan offered in New Jersey.
The $2,400 out-of-pocket cap is a ceiling: once a person's covered drug spending reaches that amount in 2027, they pay $0 for covered prescriptions for the rest of the calendar year. The cap is $2,100 in 2026, so the 2027 figure is higher. The $700 deductible figure is a maximum — a plan may use a lower deductible, or none at all, but it cannot exceed $700. For the exact deductible, formulary tiers and pharmacy cost-sharing in any specific plan, Medicare's Plan Finder at Medicare.gov shows the plan's own documents.
Separately, the Part D "base beneficiary premium" for 2027 is $41.33. That is a national figure CMS uses to calculate the late-enrollment penalty; it is not the premium of any particular plan. Each plan sets its own monthly premium.
Which New Jersey Part D plans can someone with full Extra Help join at no premium in 2027?
In New Jersey, 2 stand-alone Part D plans qualify as benchmark plans in 2027, meaning a person who receives full Extra Help (the federal Low Income Subsidy) can enroll in them with no monthly plan premium. There were also 2 benchmark plans in 2026.
Extra Help is a federal program that lowers Part D premiums, deductibles and copays for people with limited income and resources. Eligibility and applications are handled through the Social Security Administration and Medicare.gov. The specific plans that qualify as benchmarks for 2027 are listed in the Medicare Plan Finder.
How does stand-alone Part D compare with the drug coverage built into Medicare Advantage?
A stand-alone Part D plan (sometimes called a PDP) is a drug-only plan that pairs with Original Medicare, while most Medicare Advantage plans bundle medical and drug coverage into one policy (an MA-PD). The 11 plans and six insurers above are the stand-alone PDPs only; drug coverage built into Medicare Advantage plans is a separate count and is not included here.
New Jerseyans with Original Medicare, or those with a Medigap policy, typically add a stand-alone PDP for drug coverage. People in an MA-PD generally get their drugs through that plan and usually cannot also enroll in a stand-alone PDP. Medicare.gov lets you filter the Plan Finder for either type.
How can New Jersey residents check a plan's drug list and pharmacies before December 7, 2026?
The Medicare Plan Finder at Medicare.gov is the official place to check a 2027 plan's drug list (formulary), preferred pharmacies and mail-order options before the Annual Enrollment deadline of December 7, 2026. You can enter the drugs you take and your preferred pharmacy, and the tool will show how each plan treats them.
A few practical steps for New Jersey enrollees:
- Make a current list of prescriptions, including dose and frequency.
- Enter them into the Plan Finder along with your ZIP code to see 2027 plans statewide.
- Confirm your pharmacy — chain or independent — is in the plan's network.
- Review the plan's "Evidence of Coverage" or Summary of Benefits for details.
Choices made during Annual Enrollment (October 15 – December 7, 2026) take effect January 1, 2027.
Where can New Jersey residents get free help with Medicare questions?
Free, official help is available year-round from Medicare directly. Call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, seven days a week, or visit Medicare.gov to compare plans, check Extra Help eligibility and read the official plan materials.
A separate note on 2027 numbers: the Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027. The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, had not been announced by CMS at the time this article was prepared; Medicare.gov will post them when released.
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.
Prescription coverage
How Medicare Part D works in 2026
The old coverage gap (“donut hole”) is eliminated as of 2025 (three phases now). There’s now a hard yearly cap of $2,100 on what you pay out of pocket for covered drugs, and you can spread those costs across the year with the Medicare Prescription Payment Plan.
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.
Try it
How the 2026 Part D drug cap works
Slide to your estimated yearly prescription costs and see how the $2,100 out-of-pocket cap protects you. This illustrates the standard Part D benefit; your plan may structure costs differently.
Once your out-of-pocket spending on covered drugs reaches $2,100, you pay nothing more for the rest of 2026. Confirm details at Medicare.gov.
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.
Good to know
Frequently asked questions
How many stand-alone Medicare Part D plans are available in New Jersey for 2027?
When is Medicare's Annual Enrollment for 2027 coverage?
What is the Part D out-of-pocket cap in 2027?
Where can I compare 2027 Part D plans in New Jersey?
- CMS — Medicare Part D program rules (medicare.gov)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- 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 Landscape Source Files (2027 and 2026): New Jersey stand-alone Part D plan and insurer counts, the market entry and exit, and the benchmark plan counts.
- CMS — Medicare Part D program rules (medicare.gov): the 2027 out-of-pocket cap of $2,400, the maximum allowable deductible of $700, and the base beneficiary premium of $41.33.
- Medicare.gov — Medicare enrollment periods: Annual Enrollment dates of October 15 – December 7, 2026, with coverage effective January 1, 2027.
- Social Security Administration: the 3.6 percent 2027 cost-of-living adjustment announced October 14, 2026.
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.