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Medicare plans in Middlesex County, NJ — 2027
What agents look up before working a county: plan count, carriers, $0-premium share, star distribution, MOOP range, the 65+ and 60–64 population, and what changed since last year.
In 2027, Middlesex County, New Jersey has 53 Medicare plans (25 Medicare Advantage with drug coverage, 6 without, 11 standalone Part D, 11 Special Needs) from 10 carriers. 22 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $4,500.
What changed vs 2026
- 8 fewer plans than 2026
- Carriers exited: Braven Health
- $0-premium plans down 2
- Average star rating up 0.2
Market snapshot
- Residents 65 and older
- 140,558
- Residents 60–64, aging in over the next five years
- 54,051
- Medicare eligibles
- 159,785
- Medicare Advantage penetration
- 41.2%
- Plans per 1,000 residents 65+
- 0.4
Carriers by number of plans
- UnitedHealthcare — 14 plans
- Humana — 10 plans
- Aetna Medicare — 9 plans
- Clover Health — 5 plans
- Wellcare — 5 plans
- Horizon Blue Cross Blue Shield of New Jersey — 3 plans
- Wellpoint — 3 plans
- Longevity Health Plan — 2 plans
Plans sorted by CMS star rating, then premium
| Plan | Carrier | Category | Plan type | Monthly premium | Drug deductible | Out-of-pocket maximum | Star rating |
|---|---|---|---|---|---|---|---|
| Clover Health Choice (PPO) (H5141-004-0) | Clover Health | MA-PD | PPO | $0 | $350 | $9,850 | 5.0 |
| Clover Health Choice Giveback (PPO) (H5141-054-0) | Clover Health | MA-PD | PPO | $0 | $440 | $9,850 | 5.0 |
| Clover Health Valor (PPO) (H5141-061-0) | Clover Health | MA | PPO | $0 | $9,850 | 5.0 | |
| UHC Nursing Home Plan EX-F003 (PPO I-SNP) (H0710-026-0) | UnitedHealthcare | SNP | PPO I-SNP | $18.10 | $700 | $9,850 | 5.0 |
| Longevity Health Plan (PPO I-SNP) (H9942-001-0) | Longevity Health Plan | SNP | PPO I-SNP | $18.80 | $700 | $9,850 | 5.0 |
| Clover Health Choice Value (PPO) (H5141-007-0) | Clover Health | MA-PD | PPO | $36.30 | $440 | $9,850 | 5.0 |
| Longevity Health Plan (PPO I-SNP) (H9942-002-0) | Longevity Health Plan | SNP | PPO I-SNP | $172 | $700 | $4,500 | 5.0 |
| HumanaChoice Giveback H7617-045 (PPO) (H7617-045-0) | Humana | MA-PD | PPO | $0 | $700 | $8,000 | 4.5 |
| HumanaChoice Giveback H7617-127 (PPO) (H7617-127-0) | Humana | MA-PD | PPO | $0 | $700 | $8,250 | 4.5 |
| Humana Basic Rx Plan (PDP) (S5884-131-0) | Humana | PDP | PDP | $28.30 | $700 | 4.5 |
Showing 10 of 53 plans.
Nearby counties
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About this data
Source: CMS Medicare Advantage/Part D Landscape files, plan year 2027; population: U.S. Census Bureau ACS 5-year 2024; MA penetration: CMS October 2026.
This page summarizes publicly available CMS data. It is not a plan finder and does not recommend plans. To compare and enroll in plans, use Medicare.gov or talk to a licensed agent. Medicare.gov plan finder.