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  1. 🏠
  2. Medicare Advantage Plans
  3. New Jersey
  4. Essex County

2027 Medicare Advantage Plans in Essex County, NJ

Last update: October 5, 2026.

For 2027, Essex County, NJ includes 33 Medicare Advantage plans. Enrollment across these plans totals approximately 32,362, with 20 $0 premium options and 73% rated 4 stars or higher.

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Essex County, NJ are summarized separately. Visit Medicare Options in Essex County, NJ to see more options.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

  • Average Monthly Premium: $27.18/mo
  • $0 Premium Plans: 20
  • Average MOOP: $8,630 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): 4+ Stars: 73% · 3 Stars: 27% · Below 3: 0%
  • Average Part D Deductible: $569.26
  • Total MA/MAPD Enrollment: 32,362
  • Plans with the Highest Enrollment
    (as of October 5, 2026)
    1. Clover Health Choice (PPO) — 5,765 enrollees
    2. Clover Health Choice Value (PPO) — 4,874 enrollees
    3. AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS) — 3,976 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.

Total PPO Plans
19
Average Monthly Premium
$26.19/mo
Total PPO Enrollment
23,129
$0 Premium PPO Plans
12
Average MOOP
$9,047
Top PPO by Enrollment
Clover Health Choice (PPO) — 5,765 enrollees
PPO Plans Without Drug Coverage
4

2027 PPO Medicare Advantage plans in Essex County, New Jersey (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Clover Health Choice
☆☆☆☆☆
$0 $9,850 $350 H5141-004-0
Clover Health Choice Giveback
☆☆☆☆☆
$0 $9,850 $440 H5141-054-0
Clover Health Choice Value
☆☆☆☆☆
$36 $9,850 $440 H5141-007-0
Clover Health Valor
☆☆☆☆☆
$0 $9,850 N/A H5141-061-0
HumanaChoice Giveback H7617-045
☆☆☆☆☆
$0 $8,000 $700 H7617-045-0
HumanaChoice Giveback H7617-127
☆☆☆☆☆
$0 $8,250 $700 H7617-127-0
AARP Medicare Advantage from UHC NJ-0004
☆☆☆☆☆
$69 $8,900 $685 H8768-022-0
AARP Medicare Advantage from UHC NJ-0005
☆☆☆☆☆
$79 $8,400 $685 H8768-035-0
AARP Medicare Advantage from UHC NJ-6
☆☆☆☆☆
$29 $9,400 $685 H8768-058-0
AARP Medicare Advantage Patriot No Rx NJ-MA2
☆☆☆☆☆
$0 $7,150 N/A H8768-059-0
Aetna Medicare Eagle Giveback
☆☆☆☆☆
$0 $9,850 N/A H5521-504-0
Aetna Medicare Enhanced
☆☆☆☆☆
$149 $9,850 $700 R6694-006-0
Aetna Medicare Enhanced Extra
☆☆☆☆☆
$99 $9,850 $700 H5521-037-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,750 N/A H5216-174-0
HumanaChoice Giveback H5216-319
☆☆☆☆☆
$0 $8,000 $700 H5216-319-0
HumanaChoice H5216-461
☆☆☆☆☆
$36 $9,250 $700 H5216-461-0
DEVOTED CHOICE 001 NJ
☆☆☆☆☆
$0 $9,350 $650 H1390-001-0
DEVOTED CHOICE GIVEBACK 002 NJ
☆☆☆☆☆
$0 $9,850 $650 H1390-002-0
DEVOTED CHOICE GIVEBACK EXTRAS 006 NJ
☆☆☆☆☆
$0 $9,650 $700 H1390-006-0

What is the average monthly premium for PPO plans in Essex?

PPO plans in Essex cost $26.19 per month on average.

Which PPO plan has the highest enrollment in Essex?

The most popular PPO plan in Essex is Clover Health Choice (PPO), with 5,765 enrollees.

How many PPO plans in Essex do not include prescription drug coverage?

4 PPO plans in Essex do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.

  • Total HMO Plans 7
  • Average Monthly Premium $24.33/mo
  • Total HMO Enrollment 2,036
  • $0 Premium HMO Plans 4
  • Average MOOP $8,414
  • Top HMO by Enrollment Humana Gold Plus H6622-100 (HMO) — 782 enrollees
  • HMO Plans Without Drug Coverage 1

2027 HMO Medicare Advantage plans in Essex County, New Jersey (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Clover Health Classic
☆☆☆☆☆
$0 $6,000 $0 H8010-002-0
Clover Health Value
☆☆☆☆☆
$36 $4,500 $200 H8010-003-0
Aetna Medicare Eagle Giveback
☆☆☆☆☆
$0 $9,850 N/A H3152-045-0
Aetna Medicare Elite
☆☆☆☆☆
$25 $9,850 $700 H3152-098-0
Aetna Medicare Signature
☆☆☆☆☆
$109 $9,850 $700 H3152-048-0
Humana Gold Plus H6622-100
☆☆☆☆☆
$0 $9,000 $325 H6622-100-2
Wellpoint Extra Help
☆☆☆☆☆
$0 $9,850 $0 H3240-026-0
What is the top HMO by enrollment in Essex?

Humana Gold Plus H6622-100 (HMO) is the top HMO in Essex, with 782 enrollees.

What is the number of HMO plans without Part D coverage in Essex?

1 HMO plans in Essex do not include prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.

Total HMO-POS Plans
7
Average Monthly Premium
$32.71/mo
Total HMO-POS Enrollment
7,197
$0 Premium HMO-POS Plans
4
Average MOOP
$7,714
Top HMO-POS by Enrollment
AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS) — 3,976 enrollees
HMO-POS Plans Without Drug Coverage
1

2027 HMO-POS Medicare Advantage plans in Essex County, New Jersey (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
AARP Medicare Advantage Essentials from UHC NJ-1
☆☆☆☆☆
$0 $7,150 $685 H0755-038-0
AARP Medicare Advantage Extras from UHC NJ-7
☆☆☆☆☆
$0 $7,150 $685 H0755-046-0
AARP Medicare Advantage from UHC NJ-0002
☆☆☆☆☆
$79 $7,150 $595 H0755-044-0
AARP Medicare Advantage from UHC NJ-0003
☆☆☆☆☆
$115 $6,900 $595 H0755-045-0
AARP Medicare Advantage Patriot No Rx NJ-MA01
☆☆☆☆☆
$0 $7,150 N/A H0755-037-0
Wellcare Assist
☆☆☆☆☆
$0 $9,250 $700 H0913-015-0
Wellcare Low Premium
☆☆☆☆☆
$35 $9,250 $700 H0913-002-0

What is the typical premium for HMO-POS plans in Essex?

HMO-POS plans in Essex cost $32.71 per month on average.

Which HMO-POS plan has the most members in Essex?

The most popular HMO-POS plan in Essex is AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS), with 3,976 enrollees.

How many HMO-POS options are offered without prescription drug coverage in Essex?

There are 1 HMO-POS plans in Essex without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Essex County, NJ (2027) are summarized below.

Medicare Advantage Plan Ratings in Essex County, NJ (2027)
Rating Category Number of Plans Percent of Plans
5 Stars 4 13%
4 Stars (includes 5 Stars) 22 73%
3 Stars 8 27%
Below 3 Stars 0 0%
Not Rated 3 9%
Average Rating 4.02

* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.

Primary CMS datasets used for this Medicare Advantage Plan county resource.
Data Source Publisher CMS Version
Landscape Source Files Centers for Medicare & Medicaid Services CY2027 Landscape (202609.1)
Medicare Part C & D Performance Centers for Medicare & Medicaid Services 2027 Star Ratings Data Tables
Plan Benefits Package Centers for Medicare & Medicaid Services PBP Benefits-2027
Monthly Enrollment by Contract/Plan/State/County Centers for Medicare & Medicaid Services 2026-09

All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.

Data sources and methodology documentation.

Secondary Medicare references and explanatory resources.
Publisher Reference Last Accessed
Medicare.gov Understanding Medicare Advantage Plans 25 May, 2025
Medicare.gov Compare Original Medicare & Medicare Advantage 25 May, 2025
NCOA.org 5 Steps to Choosing the Right Medicare Plan for You 25 May, 2025

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Data provenance is documented in accordance 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.

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