2026 Medicare Advantage Plans in Bergen County, NJ
Last update: . Enrollment data updated: May 2, 2026
In Bergen County, NJ, there are 39 Medicare Advantage plans available for 2026. Of these, 23 offer a $0 monthly premium, and about 41% are rated 4 stars or higher based on CMS quality ratings.
Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Bergen County, NJ. Or explore all Medicare Options available in Bergen County, NJ.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to use both in-network and out-of-network providers. Out-of-network care typically costs more, but PPOs offer greater flexibility in how care is accessed.
What is the total number of PPO plans offered in Bergen?
Bergen County has 22 PPO plans for 2026, with 34,139 enrolled.
How much do PPO plans cost in Bergen?
The typical PPO premium in Bergen is $28.05, and 13 plans have no monthly premium.
Medicare Advantage HMO Plans
HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.
- Total HMO Plans
- 6
- Average Monthly Premium
- $25.67/mo
- Total HMO Enrollment
- 1,645
- $0 Premium HMO Plans
- 3
- Average MOOP
- $7,850
- Top HMO by Enrollment
- Humana Gold Plus H6622-100 (HMO) — 766 enrollees
- HMO Plans Without Drug Coverage
- 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Aetna Medicare Eagle Giveback | $0 | $9,250 | N/A | H3152-045-0 | |
| Aetna Medicare Elite | $15 | $9,250 | $615 | H3152-098-0 | |
| Aetna Medicare Signature | $108 | $9,250 | $615 | H3152-048-0 | |
| Clover Health Classic | $0 | $6,000 | $0 | H8010-002-0 | |
| Clover Health Value | $31 | $4,500 | $200 | H8010-003-0 | |
| Humana Gold Plus H6622-100 | $0 | $8,850 | $225 | H6622-100-1 |
- What is the average monthly premium for HMO plans?
- HMO plans in Bergen cost $25.67 per month on average.
- Which HMO plan is most popular in Bergen?
- The most popular HMO plan in Bergen is Humana Gold Plus H6622-100 (HMO), with 766 enrollees.
- How many HMO plans in Bergen do not include drug coverage?
- There are 1 HMO plans in Bergen without prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans combine HMO network requirements with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.
- Total HMO-POS Plans 11
- Average Monthly Premium $21.47/mo
- Total HMO-POS Enrollment 8,735
- $0 Premium HMO-POS Plans 7
- Average MOOP $7,918
- Top HMO-POS by Enrollment AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS) — 4,197 enrollees
- HMO-POS Plans Without Drug Coverage 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Aetna Medicare Prime | $0 | $9,250 | $615 | H3152-080-0 | |
| AARP Medicare Advantage Essentials from UHC NJ-1 | $0 | $6,700 | $520 | H0755-038-0 | |
| AARP Medicare Advantage Extras from UHC NJ-7 | $0 | $6,700 | $600 | H0755-046-0 | |
| AARP Medicare Advantage from UHC NJ-0002 | $62 | $6,700 | $420 | H0755-044-0 | |
| AARP Medicare Advantage from UHC NJ-0003 | $95 | $6,500 | $420 | H0755-045-0 | |
| AARP Medicare Advantage Patriot No Rx NJ-MA01 | $0 | $6,700 | N/A | H0755-037-0 | |
| Wellcare Assist | $45 | $9,250 | $615 | H0913-015-0 | |
| Wellcare Giveback | $0 | $9,250 | $615 | H0913-021-0 | |
| Wellcare Low Premium | $34 | $9,250 | $615 | H0913-002-0 | |
| Wellcare Patriot Simple | $0 | $7,550 | N/A | H0913-020-0 | |
| Wellcare Simple | $0 | $9,250 | $615 | H0913-022-0 |
What is the total number of HMO-POS plans in Bergen?
There are 11 HMO-POS plans in 2026, covering 8,735 enrollees.
How much do HMO-POS plans cost in Bergen?
The average HMO-POS premium in Bergen is $21.47 per month, with 7 plans offering $0 premiums.
What is the leading HMO-POS plan in Bergen?
AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS) is the top HMO-POS in Bergen, with 4,197 enrollees.
What is the number of HMO-POS plans without Part D coverage in Bergen?
2 HMO-POS plans in Bergen do not include prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Bergen County, NJ for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 16 | 41% |
| 3 Stars | 23 | 59% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.78 | |
* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 2026
This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.
Data sources and methodology documentation .
- Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 25 May, 2025
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Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.