• Skip to main content
  • Skip to secondary menu
  • Skip to footer
Medicare Plans

Medicare Plans

Open Medicare Plan Data.

  • Medicare Options
  • Costs
  • Answers
    • Eligibility
    • Options
    • Enrollment
    • Costs
    • Coverage
  • Medicare Advantage
  • Special Needs
  • Medicare Supplement
  • Prescription Drugs
  1. 🏠
  2. Medicare Advantage Plans
  3. New Jersey
  4. Middlesex County

2027 Medicare Advantage Plans in Middlesex County, NJ

Last update: October 4, 2026.

In Middlesex County, NJ, there are 31 Medicare Advantage plans available for 2027. Of these, 17 offer a $0 monthly premium, and about 73% are rated 4 stars or higher based on CMS quality ratings.

  • 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
$29.90/mo
Plans with $0 Premium
17
Average MOOP Limit
$8,660 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 73% · 3 Stars: 27% · Below 3: 0%
Average Part D Deductible
$586.25
Total MA/MAPD Enrollment
31,410
Plans with the Highest Enrollment
(as of October 5, 2026)
1. Clover Health Choice Giveback (PPO) — 4,357 enrollees
2. AARP Medicare Advantage from UHC NJ-0005 (PPO) — 4,227 enrollees
3. Clover Health Choice Value (PPO) — 3,531 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Middlesex County, NJ. Or explore all Medicare Options available in Middlesex County, NJ. To understand how local plans fit into the broader market, visit our New Jersey Medicare Advantage plan directory for statewide plan counts, premiums, out-of-pocket limits, CMS ratings, and enrollment data.

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.

Total PPO Plans
16
Average Monthly Premium
$31.10/mo
Total PPO Enrollment
22,269
$0 Premium PPO Plans
9
Average MOOP
$8,941
Top PPO by Enrollment
Clover Health Choice Giveback (PPO) — 4,357 enrollees
PPO Plans Without Drug Coverage
4

PPO Medicare Advantage plan comparison – Middlesex County, New Jersey, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS 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
What is the total number of PPO plans offered in Middlesex?

Middlesex County has 16 PPO plans for 2027, with 22,269 enrolled.

How much do PPO plans cost in Middlesex?

The typical PPO premium in Middlesex is $31.10, and 9 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
7
Average Monthly Premium
$24.33/mo
Total HMO Enrollment
2,409
$0 Premium HMO Plans
4
Average MOOP
$8,964
Top HMO by Enrollment
Aetna Medicare Signature Extra (HMO) — 1,600 enrollees
HMO Plans Without Drug Coverage
1

HMO Medicare Advantage plan comparison – Middlesex County, New Jersey, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
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
Aetna Medicare Signature Extra
☆☆☆☆☆
$0 $9,850 $700 H3152-082-0
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 average monthly premium for HMO plans?
HMO plans in Middlesex cost $24.33 per month on average.
Which HMO plan is most popular in Middlesex?
The most popular HMO plan in Middlesex is Aetna Medicare Signature Extra (HMO), with 1,600 enrollees.
How many HMO plans in Middlesex do not include drug coverage?
There are 1 HMO plans in Middlesex 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 7
  • Average Monthly Premium $32.71/mo
  • Total HMO-POS Enrollment 6,732
  • $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) — 3,146 enrollees
  • HMO-POS Plans Without Drug Coverage 1

HMO-POS Medicare Advantage plan comparison – Middlesex County, New Jersey, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS 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 total number of HMO-POS plans in Middlesex?

There are 7 HMO-POS plans in 2027, covering 6,732 enrollees.

How much do HMO-POS plans cost in Middlesex?

The average HMO-POS premium in Middlesex is $32.71 per month, with 4 plans offering $0 premiums.

What is the leading HMO-POS plan in Middlesex?

AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS) is the top HMO-POS in Middlesex, with 3,146 enrollees.

What is the number of HMO-POS plans without Part D coverage in Middlesex?

1 HMO-POS plans in Middlesex do not include prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Middlesex County, NJ for 2027.

CMS Star Ratings for Medicare Advantage Plans in Middlesex 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 0 0%
Average Rating 4

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Middlesex County, New Jersey, including communities such as Avenel, Carteret, Port Reading, Colonia, Sewaren, South Plainfield, Woodbridge, Cranbury, Plainsboro, Dayton, Dunellen, East Brunswick, Edison, Kendall Park, Helmetta, Iselin, Monroe Township, Keasbey, Metuchen, Middlesex, Milltown, Monmouth Junction, Piscataway, Old Bridge, Parlin, Perth Amboy, Fords, Sayreville, South Amboy, South River, Spotswood, New Brunswick, North Brunswick, Highland Park, 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: 2026-09

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

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

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.

Footer

About This Site

  • About MedicarePlans.com
  • How We Use CMS Data
  • How We Make Money
  • Editorial Policy
  • Why We Exist

Policies & Standards

    • Privacy Policy
    • Contact Us
    • Terms of Use
    • Medicare Publishing Excellence Standards
    • Medicare Plans Research

Trademark Notice

MedicarePlans.com uses U.S. trademarks, service marks, and registered trademarks solely for purposes of identification, description, and factual reference. All such use constitutes nominative fair use and does not imply affiliation, endorsement, or sponsorship by any trademark holder.

© 2026 MedicarePlans.com. All Rights Reserved
MedicarePlans.com is an independent, non-commercial Medicare data platform.
Editorial stewardship: David W. Bynon