Medicare Advantage plans in Passaic County, NJ: what changed for 2027
For 2027, Passaic County in New Jersey has 28 Medicare Advantage plans that include drug coverage, compared with 31 in 2026, according to the CMS plan landscape files.
Companies no longer offering Advantage plans here in 2027
- Health Care Service Corporation
- Horizon Mutual Holdings, Inc
If you are in one of their plans, you should have received a notice. You can choose a new plan during Open Enrollment, and special enrollment rules can apply when a plan leaves your area.
Companies newly offering Advantage plans here in 2027
- Elevance Health, Inc.
7 Advantage plan IDs (not counting Special Needs or Cost plans) listed here for 2026 are not in the 2027 file and 2 plan IDs are new. Some of these are the same plan renamed or merged, so check the Annual Notice of Change from your plan.
How many people here are in Medicare Advantage
In October 2026, 46,318 of the 95,821 people eligible for Medicare in Passaic County were enrolled in a Medicare Advantage or other Medicare health plan, 48.3%. A year earlier it was 44,679 of 93,270 (47.9%).
CMS counts enrollees in all Medicare health plans, including Advantage, cost and PACE plans, by the county where they live.
Before you choose a plan
Compare plans for your ZIP code, drugs and doctors on the official Medicare Plan Finder, or call 1-800-MEDICARE (1-800-633-4227). Free, unbiased counselling is available from your State Health Insurance Assistance Program at shiphelp.org.
Advantage plans with drug coverage for 2027 (28)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $7,150 | 3.5 of 5 |
| AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $7,150 | 3.5 of 5 |
| Aetna Medicare Prime (HMO-POS) | Aetna Medicare | HMO-POS | $0 | $9,850 | 4 of 5 |
| Aetna Medicare Prime (PPO) | Aetna Medicare | PPO | $0 | $9,850 | 4 of 5 |
| Aetna Medicare Prime Giveback (PPO) | Aetna Medicare | PPO | $0 | $9,850 | 4 of 5 |
| Clover Health Choice (PPO) | Clover Health | PPO | $0 | $9,850 | 5 of 5 |
| Clover Health Choice Giveback (PPO) | Clover Health | PPO | $0 | $9,850 | 5 of 5 |
| Clover Health Classic (HMO) | Clover Health | HMO | $0 | $6,000 | 4.5 of 5 |
| Humana Gold Plus H6622-100 (HMO) | Humana | HMO | $0 | $9,000 | 4 of 5 |
| HumanaChoice Giveback H5216-319 (PPO) | Humana | PPO | $0 | $8,000 | 4 of 5 |
| HumanaChoice Giveback H7617-045 (PPO) | Humana | PPO | $0 | $8,000 | 4.5 of 5 |
| HumanaChoice Giveback H7617-127 (PPO) | Humana | PPO | $0 | $8,250 | 4.5 of 5 |
| Wellcare Assist (HMO-POS) | Wellcare | HMO-POS | $0 | $9,250 | 3 of 5 |
| Wellpoint Extra Help (HMO) | Wellpoint | HMO | $0 | $9,850 | 3 of 5 |
| Aetna Medicare Elite (HMO) | Aetna Medicare | HMO | $25.00 | $9,850 | 4 of 5 |
| AARP Medicare Advantage from UHC NJ-6 (PPO) | UnitedHealthcare | PPO | $29.00 | $9,400 | 4 of 5 |
| Wellcare Low Premium (HMO-POS) | Wellcare | HMO-POS | $35.00 | $9,250 | 3 of 5 |
| Clover Health Choice Value (PPO) | Clover Health | PPO | $36.30 | $9,850 | 5 of 5 |
| Clover Health Value (HMO) | Clover Health | HMO | $36.30 | $4,500 | 4.5 of 5 |
| HumanaChoice H5216-461 (PPO) | Humana | PPO | $36.30 | $9,250 | 4 of 5 |
| AARP Medicare Advantage from UHC NJ-0004 (PPO) | UnitedHealthcare | PPO | $69.00 | $8,900 | 4 of 5 |
| AARP Medicare Advantage from UHC NJ-0002 (HMO-POS) | UnitedHealthcare | HMO-POS | $79.00 | $7,150 | 3.5 of 5 |
| AARP Medicare Advantage from UHC NJ-0005 (PPO) | UnitedHealthcare | PPO | $79.00 | $8,400 | 4 of 5 |
| Aetna Medicare Prime Extra (PPO) | Aetna Medicare | PPO | $84.00 | $9,850 | 4 of 5 |
| Aetna Medicare Enhanced Extra (PPO) | Aetna Medicare | PPO | $99.00 | $9,850 | 4 of 5 |
| Aetna Medicare Signature (HMO) | Aetna Medicare | HMO | $109.00 | $9,850 | 4 of 5 |
| AARP Medicare Advantage from UHC NJ-0003 (HMO-POS) | UnitedHealthcare | HMO-POS | $115.00 | $6,900 | 3.5 of 5 |
| Aetna Medicare Enhanced (Regional PPO) | Aetna Medicare | Regional PPO | $149.00 | $9,850 | 4 of 5 |
Advantage plans without drug coverage for 2027 (6)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) | UnitedHealthcare | HMO-POS | Not listed | $7,150 | 3.5 of 5 |
| AARP Medicare Advantage Patriot No Rx NJ-MA2 (PPO) | UnitedHealthcare | PPO | Not listed | $7,150 | 4 of 5 |
| Aetna Medicare Eagle Giveback (HMO) | Aetna Medicare | HMO | Not listed | $9,850 | 4 of 5 |
| Aetna Medicare Eagle Giveback (PPO) | Aetna Medicare | PPO | Not listed | $9,850 | 4 of 5 |
| Clover Health Valor (PPO) | Clover Health | PPO | Not listed | $9,850 | 5 of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | Not listed | $6,750 | 4 of 5 |
Special Needs Plans for 2027 (12)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Aetna Medicare FIDE (HMO D-SNP) | Aetna Medicare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| Horizon Specialty Care (HMO C-SNP) | Horizon Blue Cross Blue Shield of New Jersey | HMO C-SNP · Chronic or Disabling Condition | $0 | $9,850 | 4 of 5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | Humana | HMO C-SNP · Chronic or Disabling Condition | $0 | $9,350 | 4 of 5 |
| UHC Complete Care NJ-8 (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP · Chronic or Disabling Condition | $0 | $7,150 | 3.5 of 5 |
| Wellpoint Kidney Care (HMO-POS C-SNP) | Wellpoint | HMO-POS C-SNP · Chronic or Disabling Condition | $0 | $9,850 | 3 of 5 |
| UHC Dual Complete NJ-Y001 (HMO D-SNP) | UnitedHealthcare | HMO D-SNP · Dual-Eligible | $4.10 | $9,850 | 3 of 5 |
| UHC Nursing Home Plan EX-F003 (PPO I-SNP) | UnitedHealthcare | PPO I-SNP · Institutional | $18.10 | $9,850 | 5 of 5 |
| Longevity Health Plan (PPO I-SNP) | Longevity Health Plan | PPO I-SNP · Institutional | $18.80 | $9,850 | 5 of 5 |
| Wellcare Fidelis Dual Align (HMO D-SNP) | Wellcare | HMO D-SNP · Dual-Eligible | $28.40 | $9,850 | 3 of 5 |
| Wellpoint Full Dual Advantage (HMO D-SNP) | Wellpoint | HMO D-SNP · Dual-Eligible | $30.70 | $9,850 | 3 of 5 |
| Horizon NJ TotalCare (HMO D-SNP) | Horizon Blue Cross Blue Shield of New Jersey | HMO D-SNP · Dual-Eligible | $36.30 | $9,850 | 4 of 5 |
| Longevity Health Plan (PPO I-SNP) | Longevity Health Plan | PPO I-SNP · Institutional | $172.00 | $4,500 | 5 of 5 |
Stand-alone Part D drug plans are offered statewide: see New Jersey drug plans.
Sources
- Centers for Medicare & Medicaid Services, CY2027 Medicare Advantage and Part D Landscape file (data last updated 18 October 2026)
- Centers for Medicare & Medicaid Services, CY2026 Medicare Advantage and Part D Landscape file (September 2026 release)
- Centers for Medicare & Medicaid Services, MA State/County Penetration files, October 2026 and October 2025
Checked 29 October 2026. Plans and premiums can change before 1 January 2027. Confirm any plan on Medicare.gov before you enrol.