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

2027 Medicare Advantage Plans in Passaic County, NJ

Last update: October 4, 2026.

In Passaic County, NJ, there are 34 Medicare Advantage plans available for 2027. Of these, 20 offer a $0 monthly premium, and about 76% 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 Passaic County, NJ. Or explore all Medicare Options available in Passaic 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
$28.85/mo
Plans with $0 Premium
20
Average MOOP Limit
$8,687 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 76% · 3 Stars: 24% · Below 3: 0%
Average Part D Deductible
$577.50
Total MA/MAPD Enrollment
25,959
Plans with the Highest Enrollment
(as of October 5, 2026)
1. Clover Health Choice (PPO) — 6,040 enrollees
2. Clover Health Choice Value (PPO) — 5,589 enrollees
3. AARP Medicare Advantage from UHC NJ-0005 (PPO) — 2,184 enrollees

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
19
Average Monthly Premium
$30.61/mo
Total PPO Enrollment
20,406
$0 Premium PPO Plans
11
Average MOOP
$9,084
Top PPO by Enrollment
Clover Health Choice (PPO) — 6,040 enrollees
PPO Plans Without Drug Coverage
4

PPO Medicare Advantage plan comparison – Passaic 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
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 $6,750 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 Passaic?

Passaic County has 19 PPO plans for 2027, with 20,406 enrolled.

How much do PPO plans cost in Passaic?

The typical PPO premium in Passaic is $30.61, and 11 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
1,034
$0 Premium HMO Plans
4
Average MOOP
$8,414
Top HMO by Enrollment
Clover Health Classic (HMO) — 381 enrollees
HMO Plans Without Drug Coverage
1

HMO Medicare Advantage plan comparison – Passaic County, New Jersey, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Clover Health Classic
☆☆☆☆☆
$0 $6,000 $0 H8010-002-0
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
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 Passaic cost $24.33 per month on average.
Which HMO plan is most popular in Passaic?
The most popular HMO plan in Passaic is Clover Health Classic (HMO), with 381 enrollees.
How many HMO plans in Passaic do not include drug coverage?
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 8
  • Average Monthly Premium $28.63/mo
  • Total HMO-POS Enrollment 4,519
  • $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) — 1,824 enrollees
  • HMO-POS Plans Without Drug Coverage 1

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

There are 8 HMO-POS plans in 2027, covering 4,519 enrollees.

How much do HMO-POS plans cost in Passaic?

The average HMO-POS premium in Passaic is $28.63 per month, with 5 plans offering $0 premiums.

What is the leading HMO-POS plan in Passaic?

AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS) is the top HMO-POS in Passaic, with 1,824 enrollees.

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

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

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

CMS Star Ratings for Medicare Advantage Plans in Passaic County, NJ (2027)
Rating Category Number of Plans Percent of Plans
5 Stars 4 12%
4 Stars (includes 5 Stars) 26 76%
3 Stars 8 24%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 4.01

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

Primary CMS datasets used for this Medicare Advantage Plan county resource.
Data Source Publisher CMS Version
Landscape Source Files Centers for Medicare & Medicaid Services CY2027 Landscape (202609.1)
Medicare Part C & D Performance Centers for Medicare & Medicaid Services 2027 Star Ratings Data Tables
Plan Benefits Package Centers for Medicare & Medicaid Services PBP Benefits-2027
Monthly Enrollment by Contract/Plan/State/County Centers for Medicare & Medicaid Services 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.

Secondary Medicare references and explanatory resources.
Publisher Reference Last Accessed
Medicare.gov Compare types of Medicare Advantage Plans 25 May, 2025
Medicare.gov Your coverage options 25 May, 2025
AARP.org The Big Choice: Original Medicare vs. Medicare Advantage 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.

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