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

2027 Medicare Advantage Plans in Mercer County, NJ

Last update: November 8, 2026.

For 2027, Mercer County, NJ includes 37 Medicare Advantage plans. Enrollment across these plans totals approximately 11,797, with 19 $0 premium options and 73% rated 4 stars or higher.

  • 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: $30.29/mo
  • $0 Premium Plans: 19
  • Average MOOP: $8,720 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): 4+ Stars: 73% · 3 Stars: 24% · Below 3: 3%
  • Average Part D Deductible: $601.73
  • Total MA/MAPD Enrollment: 11,797
  • Plans with the Highest Enrollment
    (as of November 10, 2026)
    1. Clover Health Choice (PPO) — 1,612 enrollees
    2. Clover Health Choice Value (PPO) — 1,130 enrollees
    3. AARP Medicare Advantage from UHC NJ-0005 (PPO) — 1,099 enrollees

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Mercer County, NJ are summarized separately. Visit Medicare Options in Mercer County, NJ to see more options. For a broader perspective, explore New Jersey Medicare Advantage plans, including statewide premiums, out-of-pocket costs, CMS ratings, and enrollment comparisons.

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
20
Average Monthly Premium
$31.83/mo
Total PPO Enrollment
8,693
$0 Premium PPO Plans
11
Average MOOP
$8,773
Top PPO by Enrollment
Clover Health Choice (PPO) — 1,612 enrollees
PPO Plans Without Drug Coverage
5

2027 PPO Medicare Advantage plans in Mercer County, New Jersey (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS 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
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
Aetna Medicare Prime
☆☆☆☆☆
$0 $9,850 $700 H5521-392-0
Aetna Medicare Prime Extra
☆☆☆☆☆
$84 $9,850 $700 H5521-275-0
Aetna Medicare Prime Giveback
☆☆☆☆☆
$0 $9,850 $700 H5521-277-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,700 N/A H5216-221-0
HumanaChoice Giveback H5216-116
☆☆☆☆☆
$0 $4,150 N/A H5216-116-0
HumanaChoice Giveback H5216-319
☆☆☆☆☆
$0 $8,000 $700 H5216-319-0
HumanaChoice H5216-461
☆☆☆☆☆
$36 $9,250 $700 H5216-461-0
Jefferson Health Plans Premier
☆☆☆☆☆
$55 $7,000 $0 H3124-003-0
What is the average monthly premium for PPO plans in Mercer?
PPO plans in Mercer cost $31.83 per month on average.
Which PPO plan has the highest enrollment in Mercer?
The most popular PPO plan in Mercer is Clover Health Choice (PPO), with 1,612 enrollees.
How many PPO plans in Mercer do not include prescription drug coverage?
5 PPO plans in Mercer do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans are built around a defined network of doctors and hospitals. Care is generally covered only within the network, except in emergencies, but this structure often results in lower premiums and out-of-pocket costs.

Total HMO Plans
5
Average Monthly Premium
$26.80/mo
Total HMO Enrollment
593
$0 Premium HMO Plans
3
Average MOOP
$9,690
Top HMO by Enrollment
Humana Gold Plus H6622-099 (HMO) — 408 enrollees
HMO Plans Without Drug Coverage
1

2027 HMO Medicare Advantage plans in Mercer County, New Jersey (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
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 H6622-099
☆☆☆☆☆
$0 $9,050 $700 H6622-099-1
Jefferson Health Plans Elite
☆☆☆☆☆
$0 $9,850 $0 H9207-018-0
What is the total number of HMO plans offered in Mercer?

There are 5 HMO plans in 2027, covering 593 enrollees.

How much do HMO plans cost in Mercer?

The average HMO premium in Mercer is $26.80 per month, with 3 plans offering $0 premiums.

What is the top HMO by enrollment in Mercer?

Humana Gold Plus H6622-099 (HMO) is the top HMO in Mercer, with 408 enrollees.

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

1 HMO plans in Mercer 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
8
Average Monthly Premium
$28.63/mo
Total HMO-POS Enrollment
2,511
$0 Premium HMO-POS Plans
5
Average MOOP
$7,981
Top HMO-POS by Enrollment
AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS) — 921 enrollees
HMO-POS Plans Without Drug Coverage
1

2027 HMO-POS Medicare Advantage plans in Mercer County, New Jersey (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Aetna Medicare Prime
☆☆☆☆☆
$0 $9,850 $700 H3152-080-0
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 average monthly premium for HMO-POS plans?

HMO-POS plans in Mercer cost $28.63 per month on average.

Which HMO-POS plan is most popular in Mercer?

The most popular HMO-POS plan in Mercer is AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS), with 921 enrollees.

How many HMO-POS plans in Mercer do not include drug coverage?

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

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

Medicare Advantage Plan Ratings in Mercer County, NJ (2027)
Rating Category Number of Plans Percent of Plans
5 Stars 4 12%
4 Stars (includes 5 Stars) 24 73%
3 Stars 8 24%
Below 3 Stars 1 3%
Not Rated 0 0%
Average Rating 3.92

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

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Mercer County, New Jersey, including communities such as Hightstown, Hopewell, Pennington, Princeton, Princeton Junction, Titusville, Trenton, Lawrence Township, Robbinsville, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202609
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-10

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 .

  • Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
  • NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025

MedicarePlans.com is an independent informational resource and has no affiliation with, or endorsement from, the U.S. Government or the federal Medicare program.

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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