2026 Medicare Advantage Plans in Passaic County, NJ
Last update: . Enrollment data updated: May 2, 2026
Passaic County, NJ has 39 Medicare Advantage plans available in 2026. These include 23 plans with no monthly premium, and roughly 41% are rated at least 4 stars based on CMS data.
Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Passaic County, NJ. Or explore all Medicare Options available in Passaic 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 $28.05/mo
- Total PPO Enrollment 20,874
- $0 Premium PPO Plans 13
- Average MOOP $8,436
- Top PPO by Enrollment Clover Health Choice (PPO) — 6,475 enrollees
- PPO Plans Without Drug Coverage 5
What is the most popular PPO plan in Passaic?
Clover Health Choice (PPO) is the top PPO in Passaic, with 6,475 enrollees.
What is the number of PPO plans without Part D coverage in Passaic?
There are 5 PPO plans in Passaic 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
- 1,020
- $0 Premium HMO Plans
- 3
- Average MOOP
- $7,792
- Top HMO by Enrollment
- Clover Health Classic (HMO) — 385 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 | |
| Clover Health Classic | $0 | $6,000 | $0 | H8010-002-0 | |
| 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 typical premium for HMO plans in Passaic?
HMO plans in Passaic cost $25.67 per month on average.
Which HMO plan do most beneficiaries choose in Passaic?
The most popular HMO plan in Passaic is Clover Health Classic (HMO), with 385 enrollees.
How many HMO options are offered without prescription drug coverage in Passaic?
There are 1 HMO plans in Passaic 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 11
- Average Monthly Premium $21.47/mo
- Total HMO-POS Enrollment 4,424
- $0 Premium HMO-POS Plans 7
- Average MOOP $7,918
- Top HMO-POS by Enrollment AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS) — 1,797 enrollees
- HMO-POS Plans Without Drug Coverage 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Aetna Medicare Prime | $0 | $9,250 | $615 | H3152-080-0 | |
| 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 total number of HMO-POS plans in Passaic?
In 2026, Passaic has 11 HMO-POS plans with 4,424 enrollees.
How much do HMO-POS plans cost in Passaic?
The typical HMO-POS premium in Passaic is $21.47, and 7 plans have no monthly premium.
Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Passaic 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) | 16 | 41% |
| 3 Stars | 23 | 59% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.78 | |
* 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 May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 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 .
- CMS.gov, "Medicare Advantage Plan Fact Sheet" — 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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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.