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Medicare Advantage plans in Middlesex County, NJ for 2027
42 Medicare Advantage plans from 9 companies are available in Middlesex County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 18. Lowest in-network out-of-pocket limit: $4,500.
Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.
Plans with drug coverage (25)
Plans without drug coverage (6)
| Plan | Type | Monthly premium | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $6,750 | 3.5 |
| AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $7,150 | 3.5 |
| AARP Medicare Advantage Patriot No Rx NJ-MA2 (PPO) UnitedHealthcare | PPO | $0 | $7,150 | 3.5 |
| Aetna Medicare Eagle Giveback (HMO) Aetna Medicare | HMO | $0 | $9,850 | 4 |
| Aetna Medicare Eagle Giveback (PPO) Aetna Medicare | PPO | $0 | $9,850 | 4.5 |
| Clover Health Valor (PPO) Clover Health | PPO | $0 | $9,850 | 4.5 |
Special needs plans (11)
Special needs plans are only for people who also have Medicaid (D-SNP), certain chronic conditions (C-SNP) or who live in an institution such as a nursing home (I-SNP).
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| UHC Complete Care NJ-8 (HMO-POS C-SNP) UnitedHealthcare | HMO-POS C-SNP | $0 | $685 | $7,150 | 3.5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana | HMO C-SNP | $0 | $550 | $9,350 | 3.5 |
| Aetna Medicare FIDE (HMO D-SNP) Aetna Medicare | HMO D-SNP | $0 | $700 | $9,850 | 3 |
| Wellpoint Kidney Care (HMO-POS C-SNP) Wellpoint | HMO-POS C-SNP | $0 | $105 | $9,850 | 3 |
| UHC Dual Complete NJ-Y001 (HMO D-SNP) UnitedHealthcare | HMO D-SNP | $4.10 | $700 | $9,850 | 3.5 |
| UHC Nursing Home Plan EX-F003 (PPO I-SNP) UnitedHealthcare | PPO I-SNP | $18.10 | $700 | $9,850 | 4.5 |
| Longevity Health Plan (PPO I-SNP) Longevity Health Plan | PPO I-SNP | $18.80 | $700 | $9,850 | 5 |
| Wellcare Fidelis Dual Align (HMO D-SNP) Wellcare | HMO D-SNP | $28.40 | $700 | $9,850 | 3.5 |
| Wellpoint Full Dual Advantage (HMO D-SNP) Wellpoint | HMO D-SNP | $30.70 | $700 | $9,850 | 3 |
| Horizon NJ TotalCare (HMO D-SNP) Horizon Blue Cross Blue Shield of New Jersey | HMO D-SNP | $36.30 | $700 | $9,850 | 4 |
| Longevity Health Plan (PPO I-SNP) Longevity Health Plan | PPO I-SNP | $172 | $700 | $4,500 | 5 |
Stand-alone Part D drug plans in New Jersey →
Star ratings for 2027 are published by CMS in October; the stars shown are the contract's 2026 overall rating. We are not connected with or endorsed by the U.S. government or the federal Medicare program, and we do not sell plans. We do not list plan benefits in full; confirm costs and coverage with the plan, Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048) before you enroll. Source: CMS Medicare Advantage and Part D Landscape, 2027 (2026-09 release).