Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026

Clover Health Value, 2027

H8010Contract003Plan

HMO · 7 counties in New Jersey

Run by Clover HMO of New Jersey Inc. (contract H8010), sold as Clover Health, owned by Clover Health Holdings, Inc.

Renews for 2027

2026 star rating, contract H8010: 4.5 of 5

Clover Health Value (H8010-003) costs $36.30 a month in 2027, up $5.30 from 2026, with an in-network out-of-pocket limit of $4,500.

What changes from 2026 to 2027?

The changed lines are marked and come first. In-network amounts; members keep paying the Part B premium unless the plan reduces it.
What you pay or get	2026	2027	Change
Monthly premium	$31	$36.30	up $5.30
Skilled nursing facility, in network	$0 a day for days 1–20, then $218 a day for days 21–100	$0 a day for days 1–20, then $221 a day for days 21–100	up $30for a 30-day stay
Over-the-counter items, yearly	$400 a year	$600 a year	up $200
Drug tier 4, non-preferred drug	35% of the cost	33% of the cost	down 2 points
Drug tier 5, specialty tier	30% of the cost	31% of the cost	up 1 point
16 lines do not change
In-network out-of-pocket limit	$4,500	$4,500	no change
Drug deductible	$200	$200	no change
Part B premium reduction, monthly	none	none	no change
Primary care visit	$0 copay	$0 copay	no change
Specialist visit	$0 copay	$0 copay	no change
Emergency room	$130 copay	$130 copay	no change
Medical deductible, in network	none	none	no change
Hospital stay, in network	$275 a day for days 1–6, then $0 a day for days 7–90	$275 a day for days 1–6, then $0 a day for days 7–90	no change
Ground ambulance, in network	$250 copay	$250 copay	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Eyewear, yearly limit	$250 a year	$250 a year	no change
Hearing aids, yearly limit for both ears	not offered	not offered	no change
Counties served	7	7	no change
Drug tier 1, preferred generic	$0	$0	no change
Drug tier 2, generic	$0	$0	no change
Drug tier 3, preferred brand	25% of the cost	25% of the cost	no change

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; CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026). Plan details can change during the year; confirm on Medicare Plan Finder.

What will prescriptions cost?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked
Tier	What the tier holds	2026	2027
Tier 1	Preferred Generic	$0	$0
Tier 2	Generic	$0	$0
Tier 3	Preferred Brand	25% of the cost	25% of the cost
Tier 4	Non-Preferred Drug	35% of the cost	33% of the cost
Tier 5	Specialty Tier	30% of the cost	31% of the cost

Source: CMS plan benefit package files, 2027 and 2026. Insulin is capped at $35 a month by law. A drug's tier is set by the plan's formulary.

How does it compare with plans sold where it is?

In the counties it serves, 49 plans open to everyone are sold for 2027, this one included. Against the others, 1 plan has a lower out-of-pocket limit, 47 a higher one. On the premium, 32 plans have a lower premium, 2 the same, 14 a higher one.

Out-of-pocket limits of the 49 plans open to everyone

$0 to under $2,0000 plans

$2,000 to under $4,0000 plans

$4,000 to under $6,000 (this plan)2 plans

$6,000 to under $8,00010 plans

$8,000 to $10,00037 plans

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Where is it sold, and what does it cost there?

The premium and the out-of-pocket limit are the same in all 7 counties: $36.30 a month and $4,500.

New Jersey

Atlantic Bergen Essex Hudson Middlesex Passaic Union

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Who runs this plan?

Plan ID: H8010-003
Legal name of the contract: Clover HMO of New Jersey Inc.
Sold as: Clover Health
Parent company: Clover Health Holdings, Inc.
Plan type: HMO
2026 star rating of the contract: 4.5 of 5 overall; health plan 4.5 of 5, drug plan 3 of 5
Members, September 2026: 1,413
Plan website, as filed with CMS: www.cloverhealth.com

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS 2026 Star Ratings (October 2025); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11). CMS publishes the 2027 Star Ratings in October 2026.

What else should you check?

Other 2027 plans in Atlantic, NJWhere most of its members live; premiums and limits side by side
Every Clover Health plan for 2027Its contracts, counties and plans that end
The other 1 plan of contract H8010Same company, same contract
Is your prescription covered?Coverage share and tier for 2,259 drugs

Data, not advice. These are the plan's filed amounts, not a quote for you; confirm on Medicare Plan Finder or call the plan before you enroll.