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

2027 Medicare Advantage Plans in Somerset County, NJ

Last update: October 4, 2026.

In Somerset County, NJ, there are 33 Medicare Advantage plans available for 2027. Of these, 18 offer a $0 monthly premium, and about 77% 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
$28.19/mo
Plans with $0 Premium
18
Average MOOP Limit
$8,833 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 77% · 3 Stars: 23% · Below 3: 0%
Average Part D Deductible
$636.25
Total MA/MAPD Enrollment
10,769
Plans with the Highest Enrollment
(as of October 5, 2026)
1. AARP Medicare Advantage from UHC NJ-0005 (PPO) — 1,348 enrollees
2. AARP Medicare Advantage from UHC NJ-0004 (PPO) — 1,269 enrollees
3. Clover Health Choice (PPO) — 1,233 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Somerset County, NJ. Or explore all Medicare Options available in Somerset 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
18
Average Monthly Premium
$26.81/mo
Total PPO Enrollment
7,982
$0 Premium PPO Plans
11
Average MOOP
$9,042
Top PPO by Enrollment
AARP Medicare Advantage from UHC NJ-0005 (PPO) — 1,348 enrollees
PPO Plans Without Drug Coverage
4

PPO Medicare Advantage plan comparison – Somerset 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 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 Somerset?

Somerset County has 18 PPO plans for 2027, with 7,982 enrolled.

How much do PPO plans cost in Somerset?

The typical PPO premium in Somerset is $26.81, 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
4
Average Monthly Premium
$33.50/mo
Total HMO Enrollment
436
$0 Premium HMO Plans
2
Average MOOP
$9,600
Top HMO by Enrollment
Humana Gold Plus H6622-100 (HMO) — 285 enrollees
HMO Plans Without Drug Coverage
1

HMO Medicare Advantage plan comparison – Somerset County, New Jersey, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
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 $8,850 $325 H6622-100-1
What is the average monthly premium for HMO plans?
HMO plans in Somerset cost $33.50 per month on average.
Which HMO plan is most popular in Somerset?
The most popular HMO plan in Somerset is Humana Gold Plus H6622-100 (HMO), with 285 enrollees.
How many HMO plans in Somerset do not include drug coverage?
There are 1 HMO plans in Somerset 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 2,351
  • $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) — 812 enrollees
  • HMO-POS Plans Without Drug Coverage 1

HMO-POS Medicare Advantage plan comparison – Somerset 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 Somerset?

There are 8 HMO-POS plans in 2027, covering 2,351 enrollees.

How much do HMO-POS plans cost in Somerset?

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

What is the leading HMO-POS plan in Somerset?

AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS) is the top HMO-POS in Somerset, with 812 enrollees.

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

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

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

CMS Star Ratings for Medicare Advantage Plans in Somerset County, NJ (2027)
Rating Category Number of Plans Percent of Plans
5 Stars 4 13%
4 Stars (includes 5 Stars) 23 77%
3 Stars 7 23%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 4.02

* 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 Somerset County, New Jersey, including communities such as Warren, Watchung, Basking Ridge, Bedminster, Bernardsville, Far Hills, Gladstone, Belle Mead, Skillman, Bound Brook, Bridgewater, Franklin Park, Manville, Martinsville, Hillsborough, Neshanic Station, Raritan, Somerset, Somerville, South Bound Brook, 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.

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