Medicare Advantage plans in Union, NJ, 2027
Union, New Jersey has 37 Medicare Advantage plans open to everyone for 2027 (44 in 2026) and 15 special needs plans, according to the CMS landscape files; 23 of the open plans have a $0 premium. 15 plans that served the county in 2026 end or leave it, with 3,298 members living here in September 2026.
What changes in Union for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 44 | 37 | ▼down 7 |
| Special needs plans | 13 | 15 | ▲up 2 |
| Plans with a $0 premium | 26 | 23 | ▼down 3 |
| Plans that lower the Part B premium | 16 | 13 | ▼down 3 |
| Median out-of-pocket limit | $8,875 | $9,350 | ▲up $475 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026.
Which plans can anyone in Union join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Clover Health ClassicH8010-002 · HMO | $0 | $6,000 | none | 4.5 of 5 |
| Humana USAA Honor GivebackH5216-174 · PPO | $0 | $6,750 | $105 | 3.5 of 5 |
| AARP Medicare Advantage Patriot No Rx NJ-MA01H0755-037 · HMO-POS | $0 | $7,150 | $150 | 3.5 of 5 |
| AARP Medicare Advantage Essentials from UHC NJ-1H0755-038 · HMO-POS | $0 | $7,150 | none | 3.5 of 5 |
| AARP Medicare Advantage Extras from UHC NJ-7H0755-046 · HMO-POS | $0 | $7,150 | none | 3.5 of 5 |
| AARP Medicare Advantage Patriot No Rx NJ-MA2H8768-059 · PPO | $0 | $7,150 | $120 | 3.5 of 5 |
| HumanaChoice GivebackH5216-319 · PPO | $0 | $8,000 | $106 | 3.5 of 5 |
| HumanaChoice GivebackH7617-045 · PPO | $0 | $8,000 | $108 | 4.5 of 5 |
| HumanaChoice GivebackH7617-127 · PPO | $0 | $8,250 | $26 | 4.5 of 5 |
| Humana Gold PlusH6622-100 · HMO | $0 | $8,850 | none | 3.5 of 5 |
| Wellcare AssistH0913-015 · HMO-POS | $0 | $9,250 | none | 3.5 of 5 |
| Devoted Choice 001 NJH1390-001 · PPO | $0 | $9,350 | none | not rated |
| Devoted Choice Giveback Extras 006 NJH1390-006 · PPO | $0 | $9,650 | $70 | not rated |
| Devoted Choice Giveback 002 NJH1390-002 · PPO | $0 | $9,850 | $118 | not rated |
| Aetna Medicare Eagle GivebackH3152-045 · HMO | $0 | $9,850 | $100 | 4 of 5 |
| Aetna Medicare PrimeH3152-080 · HMO-POS | $0 | $9,850 | none | 4 of 5 |
| Wellpoint Extra HelpH3240-026 · HMO | $0 | $9,850 | none | 3 of 5 |
| Clover Health ChoiceH5141-004 · PPO | $0 | $9,850 | none | 4.5 of 5 |
| Clover Health Choice GivebackH5141-054 · PPO | $0 | $9,850 | $140 | 4.5 of 5 |
| Clover Health ValorH5141-061 · PPO | $0 | $9,850 | $125 | 4.5 of 5 |
Show the other 17 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Aetna Medicare Prime GivebackH5521-277 · PPO | $0 | $9,850 | $15 | 4.5 of 5 |
| Aetna Medicare PrimeH5521-392 · PPO | $0 | $9,850 | none | 4.5 of 5 |
| Aetna Medicare Eagle GivebackH5521-504 · PPO | $0 | $9,850 | $90 | 4.5 of 5 |
| Aetna Medicare EliteH3152-098 · HMO | $25 | $9,850 | none | 4 of 5 |
| AARP Medicare Advantage from UHC NJ-6H8768-058 · PPO | $29 | $9,400 | none | 3.5 of 5 |
| Wellcare Low PremiumH0913-002 · HMO-POS | $35 | $9,250 | none | 3.5 of 5 |
| Clover Health ValueH8010-003 · HMO | $36.30 | $4,500 | none | 4.5 of 5 |
| HumanaChoiceH5216-461 · PPO | $36.30 | $9,250 | none | 3.5 of 5 |
| Clover Health Choice ValueH5141-007 · PPO | $36.30 | $9,850 | none | 4.5 of 5 |
| AARP Medicare Advantage from UHC NJ-0004H8768-022 · PPO | $69 | $8,900 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC NJ-0002H0755-044 · HMO-POS | $79 | $7,150 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC NJ-0005H8768-035 · PPO | $79 | $8,400 | none | 3.5 of 5 |
| Aetna Medicare Prime ExtraH5521-275 · PPO | $84 | $9,850 | none | 4.5 of 5 |
| Aetna Medicare Enhanced ExtraH5521-037 · PPO | $99 | $9,850 | none | 4.5 of 5 |
| Aetna Medicare SignatureH3152-048 · HMO | $109 | $9,850 | none | 4 of 5 |
| AARP Medicare Advantage from UHC NJ-0003H0755-045 · HMO-POS | $115 | $6,900 | none | 3.5 of 5 |
| Aetna Medicare EnhancedR6694-006 · Regional PPO | $149 | $9,850 | none | 4 of 5 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026. Stars are the contract's 2026 rating. confirm on Medicare Plan Finder.
Which plans leave Union in 2027?
Members of these plans here choose a 2027 plan during open enrollment, October 15 to December 7, 2026; choosing by December 31 means no gap; because their plan is leaving the county, they can still join until the end of February 2027, with coverage from the first of the next month. Each plan's page says what happens to its members.
| 2026 plan | Members here, Sept. 2026 | For 2027 |
|---|---|---|
| Braven Medicare Choice PlusH0885-007 | 1,753 | Not offered |
| Braven Medicare ChoiceH0885-001 | 1,107 | Not offered |
| Aetna Medicare Enhanced ExtraH5521-513 | 130 | Not offered |
| Braven Medicare FreedomH0885-002 | 94 | Not offered |
| Wellcare GivebackH0913-021 | 85 | Not offered |
| HealthSpring True ChoiceH7849-149 | 49 | Leaves the county |
| Erickson Advantage SignatureH5652-001 | 36 | Not offered |
| Wellcare SimpleH0913-022 | 29 | Not offered |
| Erickson Advantage LibertyH5652-008 | 15 | Not offered |
| Braven Medicare Salute: No RxH0885-010 | fewer than 11 | Not offered |
| Wellcare Patriot SimpleH0913-020 | fewer than 11 | Not offered |
| Erickson Advantage Liberty no RxH5652-002 | fewer than 11 | Not offered |
| Erickson Advantage GuardianH5652-003 | fewer than 11 | Not offered |
| Erickson Advantage ChampionH5652-004 | fewer than 11 | Not offered |
| Erickson Advantage FreedomH5652-006 | fewer than 11 | Not offered |
Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Which special needs plans are sold here?
Open only to people with Medicaid as well as Medicare, with certain chronic conditions, or living in an institution.
| Plan | Who can join | Premium |
|---|---|---|
| UHC Complete Care NJ-8H0755-047 | Chronic or Disabling Condition | $0 |
| Humana Gold Plus: Diabetes and HeartH6622-098 | Chronic or Disabling Condition | $0 |
| Devoted C-SNP Choice Giveback Extras 005 NJH1390-005 | Chronic or Disabling Condition | $0 |
| Devoted C-SNP Choice Plus 003 NJH1390-003 | Chronic or Disabling Condition | $0 |
| Devoted C-SNP Choice Enhanced 004 NJH1390-004 | Chronic or Disabling Condition | $0 |
| Wellpoint Kidney CareH3240-017 | Chronic or Disabling Condition | $0 |
| Aetna Medicare FIDEH6399-001 | Dual-Eligible | $0 |
| Horizon Specialty CareH8298-002 | Chronic or Disabling Condition | $0 |
| UHC Dual Complete NJ-Y001H3113-005 | Dual-Eligible | $4.10 |
| UHC Nursing Home Plan EX-F003H0710-026 | Institutional | $18.10 |
| Longevity Health PlanH9942-001 | Institutional | $18.80 |
| Wellcare Fidelis Dual AlignH0913-013 | Dual-Eligible | $28.40 |
| Wellpoint Full Dual AdvantageH3240-013 | Dual-Eligible | $30.70 |
| Horizon NJ TotalCareH8298-001 | Dual-Eligible | $36.30 |
| Longevity Health PlanH9942-002 | Institutional | $172 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
How many people in Union use Medicare Advantage?
45,517 of the county's 97,082 people with Medicare were in a Medicare Advantage plan in September 2026, 46.9%; in New Jersey as a whole the share is 41.4%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in New JerseyEvery county of the state
- 11 stand-alone drug plans in New JerseyIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027