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

2026 Medicare Advantage Plans in Middlesex County, NJ

Last update: September 2, 2026.

For 2026, Middlesex County, NJ includes 38 Medicare Advantage plans. Enrollment across these plans totals approximately 38,538, with 22 $0 premium options and 32% rated 4 stars or higher.

Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Middlesex County, NJ are provided separately. Or you can discover all Medicare Options in Middlesex County, NJ.

  • 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: $25.51/mo
  • $0 Premium Plans: 22
  • Average MOOP: $8,249 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 32% · 3 Stars: 61% · Below 3: 8%
  • Average Part D Deductible: $423.33
  • Total MA/MAPD Enrollment: 38,538
  • Plans with the Highest Enrollment
    (as of September 8, 2026)
    1. Clover Health Choice (PPO) — 4,442 enrollees
    2. Clover Health Choice Giveback (PPO) — 4,352 enrollees
    3. AARP Medicare Advantage from UHC NJ-0005 (PPO) — 4,240 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
22
Average Monthly Premium
$26.32/mo
Total PPO Enrollment
29,250
$0 Premium PPO Plans
13
Average MOOP
$8,436
Top PPO by Enrollment
Clover Health Choice (PPO) — 4,442 enrollees
PPO Plans Without Drug Coverage
5

2026 PPO Medicare Advantage plans in Middlesex County, New Jersey (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Aetna Medicare Eagle Giveback
☆☆☆☆☆
$0 $9,250 N/A H5521-504-0
Aetna Medicare Enhanced Extra
☆☆☆☆☆
$91 $9,250 $615 H5521-513-0
Aetna Medicare Signature
☆☆☆☆☆
$94 $9,250 $500 H5521-037-0
HumanaChoice Giveback H7617-045
☆☆☆☆☆
$0 $7,250 $360 H7617-045-0
Aetna Medicare Signature
☆☆☆☆☆
$139 $9,250 $615 R6694-006-0
Braven Medicare Freedom
☆☆☆☆☆
$40 $9,250 $300 H0885-002-0
Braven Medicare Salute - No Rx
☆☆☆☆☆
$0 $7,000 N/A H0885-010-0
AARP Medicare Advantage from UHC NJ-0004
☆☆☆☆☆
$45 $7,900 $600 H8768-022-0
AARP Medicare Advantage from UHC NJ-0005
☆☆☆☆☆
$72 $7,550 $600 H8768-035-0
AARP Medicare Advantage from UHC NJ-6
☆☆☆☆☆
$0 $8,900 $600 H8768-058-0
AARP Medicare Advantage Patriot No Rx NJ-MA2
☆☆☆☆☆
$0 $6,700 N/A H8768-059-0
Clover Health Choice
☆☆☆☆☆
$0 $8,500 $0 H5141-032-0
Clover Health Choice
☆☆☆☆☆
$0 $9,250 $150 H5141-004-0
Clover Health Choice Giveback
☆☆☆☆☆
$0 $8,499 $200 H5141-054-0
Clover Health Choice Value
☆☆☆☆☆
$31 $9,250 $220 H5141-007-0
Clover Health Valor
☆☆☆☆☆
$0 $9,250 N/A H5141-061-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,750 N/A H5216-174-0
HumanaChoice Giveback H5216-319
☆☆☆☆☆
$0 $7,250 $360 H5216-319-0
HumanaChoice H5216-461
☆☆☆☆☆
$31 $9,250 $615 H5216-461-0
AmeriHealth Medicare Core
☆☆☆☆☆
$0 $9,250 $0 H5361-001-0
AmeriHealth Medicare Enhanced
☆☆☆☆☆
$36 $7,550 $150 H5361-002-0
AmeriHealth Medicare Ultimate
☆☆☆☆☆
$0 $9,250 $125 H5361-004-0

What is the typical premium for PPO plans available in Middlesex?

PPO plans in Middlesex cost $26.32 per month on average.

Which PPO plan do most beneficiaries choose in Middlesex?

The most popular PPO plan in Middlesex is Clover Health Choice (PPO), with 4,442 enrollees.

How many PPO options are offered without drug coverage in Middlesex?

5 PPO plans in Middlesex 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 6
  • Average Monthly Premium $25.67/mo
  • Total HMO Enrollment 2,382
  • $0 Premium HMO Plans 3
  • Average MOOP $8,333
  • Top HMO by Enrollment Aetna Medicare Signature Extra (HMO) — 1,565 enrollees
  • HMO Plans Without Drug Coverage 1

2026 HMO Medicare Advantage plans in Middlesex County, New Jersey (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. 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 total number of HMO plans offered in Middlesex?

In 2026, Middlesex County has 6 HMO plans with 2,382 enrollees.

How much do HMO plans cost in Middlesex?

The typical HMO premium in Middlesex is $25.67, and 3 plans have no monthly premium.

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
10
Average Monthly Premium
$23.62/mo
Total HMO-POS Enrollment
6,906
$0 Premium HMO-POS Plans
6
Average MOOP
$7,785
Top HMO-POS by Enrollment
AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS) — 3,135 enrollees
HMO-POS Plans Without Drug Coverage
2

2026 HMO-POS Medicare Advantage plans in Middlesex County, New Jersey (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. 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 average monthly premium for HMO-POS plans?
HMO-POS plans in Middlesex cost $23.62 per month on average.
Which HMO-POS plan is most popular in Middlesex?
The most popular HMO-POS plan in Middlesex is AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS), with 3,135 enrollees.
How many HMO-POS plans in Middlesex do not include drug coverage?
There are 2 HMO-POS plans in Middlesex without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Middlesex County, NJ (2026) are summarized below.

Quality Ratings for Medicare Advantage Plans in Middlesex County, NJ (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

* Star ratings are based on CMS quality measures and reflect plan performance for the 2026 rating period.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202608
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-08

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, "Explore your Medicare coverage options" — 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, non-government informational resource and is not affiliated with or endorsed by 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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