New Jersey · 2026 plan year
Medicare Advantage HMO plans in New Jersey
There are 38 Medicare Advantage HMO plans in New Jersey from 11 carriers, averaging 3.59 out of 5 stars across the 38 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.
38
HMO plans
11
Carriers
21
Counties covered
3.6
Average stars
$8,307
Avg out-of-pocket max
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.
New Jersey HMO plans rank 40th of 49 on star rating.
Across the 38 rated plans here the average overall rating is 3.59 stars, 40th highest of the 49 states with HMO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.
Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.
Highest rated
Top-rated HMO plans in New Jersey
| Plan | Stars | Out-of-pocket max | Premium / mo |
|---|---|---|---|
| Clover Health Value (HMO)Clover Health | 4.5★ | $4,500 | $0 |
| Clover Health Classic (HMO)Clover Health | 4.5★ | $6,000 | $0 |
| Geisinger Gold Classic Rx EGWP New Jersey (HMO)Geisinger Gold | 4.5★ | $6,751 | — |
| Aetna Medicare Eagle Giveback (HMO)Aetna Medicare | 4★ | $9,250 | $0 |
| Aetna Medicare Elite (HMO)Aetna Medicare | 4★ | $9,250 | $0 |
Showing 5 of 38. See all New JerseyMedicare Advantage plans →
Who sells here
HMO plans by carrier
| Carrier | Plans | Avg stars | SNPs |
|---|---|---|---|
| UnitedHealthcareUnitedHealth Group, Inc. | 9 | 3.5 | 1 |
| Aetna MedicareCVS Health Corporation | 6 | 4.0 | — |
| WellcareCentene Corporation | 6 | 3.5 | 1 |
| HumanaHumana Inc. | 5 | 3.5 | 1 |
| WellpointElevance Health, Inc. | 3 | 3.0 | 3 |
| Cigna HealthCareHealth Care Service Corporation | 2 | 3.0 | — |
| Clover HealthClover Health Holdings, Inc. | 2 | 4.5 | — |
| Jefferson Health PlansThomas Jefferson University | 2 | 3.5 | — |
| Aetna Better Health of New JerseyCVS Health Corporation | 1 | 3.0 | 1 |
| Geisinger GoldRisant Health, Inc. | 1 | 4.5 | — |
| Horizon Blue Cross Blue Shield of New JerseyHorizon Mutual Holdings, Inc | 1 | 4.0 | 1 |
Other plan types in New Jersey
How HMO compares
Nearby on quality
States with similar HMO star ratings
Common questions
New Jersey Medicare Advantage HMO plans, answered
How much do Medicare Advantage HMO plans cost in New Jersey?
Of the New Jersey HMO plans with a published premium, 94% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the in-network out-of-pocket maximum, which averages $8,307 across these plans.
What are the star ratings for New Jersey HMO plans?
The 38 rated HMO plans in New Jersey average 3.59 out of 5 stars, with 10 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage HMO plans are available in New Jersey?
There are 38 HMO plans from 11 carriers, sold across 21 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 8 of them are Special Needs Plans with extra eligibility rules (see below).
Do New Jersey HMO plans include prescription drug coverage?
38 of the 38 HMO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in New Jersey?
8 of the 38 HMO plans in New Jersey are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.
A $0 premium is not the whole cost.
See what a year really looks like.
Simplivera models your actual annual costs across New Jersey Medicare Advantage plans.
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