Medicare Advantage Plans in New Jersey 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
New Jersey has about 43 percent Medicare Advantage penetration. The state's location between New York City and Philadelphia means several major carrier networks extend into New Jersey. Bergen, Hudson, Essex, and Middlesex counties have particularly strong plan availability.
roughly 43%
of beneficiaries in Advantage plans
about 1.55 million
total Medicare beneficiaries
$0–$50
typical monthly premium range
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in New Jersey.
What to Look for in a New Jersey Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in New Jersey
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in New Jersey
New Jersey's Medigap market is well-developed. The state's relatively high cost of living means Medigap premiums tend to run above the national average, though the large number of competing carriers helps keep pricing from getting too high.
Data note: Plan information is sourced from the U.S. Centers for Medicare and Medicaid Services (CMS). Premiums, coverage, and plan availability change annually. Contact a licensed Medicare agent or visit Medicare.gov for current, binding quotes.