2026 Medicare Advantage Plans in Middlesex County, NJ
Last update: . Enrollment data updated: June 13, 2026
In Middlesex County, NJ, there are 38 Medicare Advantage plans available for 2026. Of these, 22 offer a $0 monthly premium, and about 32% 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 Middlesex County, NJ. Or explore all Medicare Options available in Middlesex County, NJ.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow access to both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in choosing doctors and hospitals.
- Total PPO Plans 22
- Average Monthly Premium $26.32/mo
- Total PPO Enrollment 29,230
- $0 Premium PPO Plans 13
- Average MOOP $8,436
- Top PPO by Enrollment Clover Health Choice (PPO) — 4,547 enrollees
- PPO Plans Without Drug Coverage 5
What is the total number of PPO plans offered in Middlesex?
There are 22 PPO plans in 2026, covering 29,230 beneficiaries.
How much do PPO plans cost in Middlesex?
The average PPO premium in Middlesex is $26.32 per month, with 13 plans offering $0 premiums.
What is the most popular PPO plan in Middlesex?
Clover Health Choice (PPO) is the top PPO in Middlesex, with 4,547 enrollees.
What is the number of PPO plans without Part D coverage in Middlesex?
There are 5 PPO plans in Middlesex without prescription drug coverage.
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
- 2,339
- $0 Premium HMO Plans
- 3
- Average MOOP
- $8,333
- Top HMO by Enrollment
- Aetna Medicare Signature Extra (HMO) — 1,527 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 | |
| Aetna Medicare Signature Extra | $0 | $9,250 | $615 | H3152-082-0 | |
| Clover Health Value | $31 | $4,500 | $200 | H8010-003-0 | |
| Humana Gold Plus H6622-100 | $0 | $8,500 | $225 | H6622-100-2 |
What is the average monthly premium for HMO plans?
HMO plans in Middlesex cost $25.67 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 1,527 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 rules with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| 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 leading HMO-POS plan in Middlesex?
AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS) is the top HMO-POS in Middlesex, with 3,151 enrollees.
What is the number of HMO-POS plans without Part D coverage in Middlesex?
2 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 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 12 | 32% |
| 3 Stars | 23 | 61% |
| Below 3 Stars | 3 | 8% |
| Not Rated | 0 | 0% |
| Average Rating | 3.63 | |
* 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 June 13, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed June 13, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed June 13, 2026
County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect standard Medicare Advantage (MA/MAPD) plans only and are derived from CMS datasets using a standardized aggregation methodology.
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
- Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025
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