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Written by David Bynon [3], Medicare Analyst since 2012.  Last updated July 16, 2025

MedicareWire is a public-trust resource. We do not sell plans or accept payment to influence content. Here's why you can trust our data and how we operate. Also see our references and how we're building EEAT trust.

Medicare Advantage
 » 
New Jersey
 » 
Hudson County

Guide to Medicare Advantage Plans in Hudson County, NJ for 2025

List of Plans | Plan Overview | Benefits | How to Choose | Enrollment | FAQ

There are 39 Medicare Advantage plans available in Hudson County, NJ for the 2025 plan year, including 23 plans with $0 premiums. Most plans include prescription drug coverage. These counts exclude Special Needs Plans.

Not in Hudson County? Enter your ZIP code to see plans in your area.

  • Top 3 Plans by Enrollment:
    1. Clover Health Choice (PPO) — 7,085 enrollees
    2. Clover Health Choice Value (PPO) — 4,634 enrollees
    3. AARP Medicare Advantage from UHC NJ-0005 (PPO) — 4,066 enrollees
  • Average Monthly Premium: $25.94
  • Average Maximum Out-of-Pocket Limit: $7,976
  • Average Prescription Drug Deductible: $346.61
  • Ratings (Plan Mix): 4+ Stars: 36% · 3 Stars: 64% · Below 3: 0%
  • Plan Type Breakdown 22 PPO · 1 REGIONAL PPO · 5 HMO · 11 HMO-POS

Hudson County, New Jersey Medicare Advantage Plans

Medicare Advantage Plans in Hudson County, NJ for 2024
Plan Name Type Premium MOOP Rx Ded. Rating
Aetna Medicare Eagle Premier* PPO $0 $9,350 N/A
☆☆☆☆☆
Aetna Medicare Elite 2 NJ North* PPO $21 $9,350 $590
☆☆☆☆☆
Aetna Medicare Explorer Premier* PPO $79 $9,350 $0
☆☆☆☆☆
Aetna Medicare Platinum* PPO $157 $3,600 $450
☆☆☆☆☆
Aetna Medicare Premier* Regional PPO $126 $8,900 $590
☆☆☆☆☆
Aetna Medicare Premier NJ North* PPO $66 $9,350 $450
☆☆☆☆☆
Aetna Medicare Premier Plus NJ North* PPO $41 $9,350 $590
☆☆☆☆☆
Aetna Medicare Eagle HMO $0 $8,900 N/A
☆☆☆☆☆
Aetna Medicare Explorer Elite HMO $39 $9,350 $590
☆☆☆☆☆
Aetna Medicare Explorer Premier HMO-POS $95 $9,350 $590
☆☆☆☆☆
Clover Health Choice PPO $0 $9,350 $150
☆☆☆☆☆
Clover Health Choice Value PPO $48 $9,350 $220
☆☆☆☆☆
Clover Health Premier PPO $0 $8,499 $200
☆☆☆☆☆
Clover Health Valor PPO $0 $9,350 N/A
☆☆☆☆☆
AARP Medicare Advantage from UHC NJ-0001 HMO-POS $0 $6,700 $340
☆☆☆☆☆
AARP Medicare Advantage from UHC NJ-0002 HMO-POS $55 $6,700 $340
☆☆☆☆☆
AARP Medicare Advantage from UHC NJ-0003 HMO-POS $89 $6,500 $340
☆☆☆☆☆
AARP Medicare Advantage Patriot No Rx NJ-MA01 HMO-POS $0 $6,300 N/A
☆☆☆☆☆
Braven Medicare Choice PPO $0 $7,550 $200
☆☆☆☆☆
Braven Medicare Choice Plus PPO $0 $7,250 $175
☆☆☆☆☆
Braven Medicare Freedom PPO $30 $7,250 $200
☆☆☆☆☆
Braven Medicare Salute PPO $0 $5,500 N/A
☆☆☆☆☆
Clover Health Classic HMO $0 $8,550 $0
☆☆☆☆☆
Clover Health Value HMO $39 $8,300 $280
☆☆☆☆☆
Humana Gold Plus H6622-063 HMO $0 $8,850 $225
☆☆☆☆☆
Humana USAA Honor Giveback PPO $0 $6,750 N/A
☆☆☆☆☆
HumanaChoice Giveback H5216-319 PPO $0 $7,250 $590
☆☆☆☆☆
Wellpoint Medicare Advantage HMO-POS $0 $7,950 $300
☆☆☆☆☆
AARP Medicare Advantage from UHC NJ-0004 PPO $0 $7,900 $420
☆☆☆☆☆
AARP Medicare Advantage from UHC NJ-0005 PPO $47 $7,550 $570
☆☆☆☆☆
AARP Medicare Advantage from UHC NJ-6 PPO $0 $8,900 $495
☆☆☆☆☆
AARP Medicare Advantage Patriot No Rx NJ-MA2 PPO $0 $6,700 N/A
☆☆☆☆☆
Cigna True Choice Medicare PPO $0 $7,550 $0
☆☆☆☆☆
Cigna True Choice Plus Medicare PPO $38 $8,500 $0
☆☆☆☆☆
Wellcare Assist HMO-POS $41 $7,550 $590
☆☆☆☆☆
Wellcare Giveback HMO-POS $0 $8,850 $420
☆☆☆☆☆
Wellcare Patriot Simple HMO-POS $0 $7,550 N/A
☆☆☆☆☆
Wellcare Simple HMO-POS $0 $8,300 $420
☆☆☆☆☆
Wellcare Simple Focus HMO-POS $0 $6,900 $420
☆☆☆☆☆
**Certain PFFS, MSA, and HMO-POS plans have a combined in and out-of-network maximum. Limits are detailed on the plan pages.
📊 At a Glance: Medicare Advantage in Hudson County
Average Monthly Premium
$25.94
Plans with $0 Premium
23
Average MOOP Limit
$7,976 ($9,350 max. in 2025)
Average Rx Deductible
$346.61
Plans Without Drug Coverage
4 (standalone New Jersey Part D plans)
Plans with 5-Star Ratings
No 5-star plans available.
Stars  Ratings (Plan Mix)
4+ Stars: 36% · 3 Stars: 64% · Below 3: 0%
Plans Available
39 (excluding Hudson County SNP plans)
Plan Type Breakdown
22 PPO · 1 REGIONAL PPO · 5 HMO · 11 HMO-POS
Countywide Enrollments
28,404 (excluding SNP plans)
Top 3 Plans by Enrollment
1. Clover Health Choice (PPO) — 7,085 enrollees
2. Clover Health Choice Value (PPO) — 4,634 enrollees
3. AARP Medicare Advantage from UHC NJ-0005 (PPO) — 4,066 enrollees

Data Sources: CY2025 Landscape, PBP Benefits, Star Ratings Data, Monthly Enrollment by CPSC, and SimpleMaps U.S. Counties. Enrollment data last updated April 7, 2025. County demographic data last updated April 5, 2025.

Understanding Your Medicare Advantage Options

Medicare Advantage Plans, or Part C, are health plans provided by private insurers that offer all-in-one coverage, combining Medicare Part A (hospital coverage) and Part B (medical coverage). Many of the 39 plans available to you in Hudson County also include additional benefits like prescription drug coverage, as well as dental, vision, and wellness services, offering a more comprehensive package than Original Medicare.

🏥 Health Maintenance Organization (HMO) Plans

HMO plan members must use the plan's network of doctors and hospitals in Hudson County, and typically need a referral to see a specialist. Some Medicare Advantage HMO Plans may have lower costs but offer less flexibility in choosing healthcare providers. There are 1,261 residents enrolled in HMO plans in this county. The most popular plan is Clover Health Classic .

🔓 Preferred Provider Organization (PPO)

A PPO allows more flexibility in choosing healthcare providers, with the option to see specialists without referrals, though often at a higher cost. Medicare Advantage PPOs usually have higher premiums and out-of-pocket expenses. There are 23,739 Hudson County residents enrolled in PPO plans. The most popular of these plans by enrollments is Clover Health Choice .

🔀 Health Maintenance Organization Point of Sale (HMO-POS)

Medicare HMO-POS plans are a type of HMO that offers a little more flexibility. Like a regular HMO, you typically use the plan's network of doctors and hospitals for care, usually requiring a referral to see specialists. However, an HMO-POS plan lets you receive certain healthcare services outside of the network at a higher cost. There are 3,384 residents enrolled in HMO-POS plans in this Hudson County. The most popular plan by enrollments is AARP Medicare Advantage from UHC NJ-0001 .

Advantages of Enrolling in Medicare Advantage

Medicare Advantage Plans, also known as Part C, provide several key advantages over Original Medicare. Bundle up your healthcare with plans that cover Medicare Parts A and B, plus some extras like prescription meds, dental care, and vision services - it's a package deal! Medicare Advantage can be a smart choice if you want to maximize your healthcare dollars and enjoy extras like additional services and lower out-of-pocket costs.

Here are some of the top advantages these plans offer Hudson County residents:

🧑‍⚕️Coordinated Care

Plans often include care coordination services, which help you manage your healthcare across different providers and services.

💸 Cost Savings

Many plans have low or $0 premiums and offer capped out-of-pocket costs, providing financial protection against high medical expenses.

🧾 Comprehensive Coverage

Includes Medicare Part A, Part B, and often Part D (prescription drug coverage), along with additional benefits like dental, vision, and hearing.

🧘 Wellness Programs

Many Yavapai County plans offer free gym memberships, wellness programs, and preventive care services. You need to stay healthy, right?

Tips for Selecting a Medicare Advantage Plan

Selecting the ideal Medicare Advantage Plan from the 39 plans available in Hudson County involves evaluating several crucial aspects:

🏥1. Provider Network

Ensure your healthcare providers are within the plan's network to maintain continuity of care.

💊 2. Prescription Drug Coverage

Confirm that your current medications are included in the plan's formulary to avoid higher out-of-pocket costs.

💰 3. Costs

Assess the plan’s premium, deductible, and out-of-pocket expenses. The ideal plan aligns with both your financial situation and your healthcare needs.

🎁 4. Additional Benefits

Identify any additional benefits that are important to you, such as fitness programs, routine dental, or over-the-counter medication benefits, and ensure the plan includes them.

⭐ 5. Plan Ratings

If a plan offers the benefits you need at a price you can afford, be sure to check its CMS star ratings. This will help you avoid plans with known problems, like poor customer service.

Discover the key factors to consider when comparing Medicare Advantage Plans.

Medicare Advantage Enrollment Periods

Enrolling in a Medicare Advantage Plan is a straightforward process, but timing is crucial to ensure you don't miss out on the benefits. Understanding when you can enroll will help you take full advantage of the options available in Hudson County.

📅 Initial Enrollment Period (IEP)

The IEP is a seven-month window surrounding your 65th birthday, allowing you to sign up for a Medicare Advantage Plan as soon as you become eligible for Medicare.

🗓️ Annual Enrollment Period (AEP)

The AEP runs from October 15 to December 7 each year, giving you the opportunity to change, drop, or enroll in a Medicare Advantage Plan.

🔁 Open Enrollment Period (OEP)

Between January 1 and March 31, if you’re already enrolled in a Medicare Advantage Plan, you can switch plans or revert to Original Medicare.

To learn more about the enrollment periods and steps to take, check out our comprehensive Medicare Enrollment guide.

Frequently Asked Questions

What are the most popular Medicare Advantage plan types in Hudson County?

Based on the 2025 plan data, PPO plans are the most common in Hudson County. The full breakdown of plan types is: 22 PPO · 1 REGIONAL PPO · 5 HMO · 11 HMO-POS.

How much can I expect to pay out of pocket for Medicare Advantage plans?

The average maximum out-of-pocket limit (MOOP) in Hudson County is $7,976 for 2025.

Do any Medicare Advantage plans in Hudson County have 5-star ratings?

No 5-star rated Medicare Advantage plans are available in Hudson County for the 2025 plan year. However, 36% of plans have a rating of 4 stars or higher.

What is the average monthly premium for Medicare Advantage plans in Hudson County?

The average monthly premium for Medicare Advantage plans in Hudson County is $25.94. A total of 23 offer $0 premiums, though costs vary by plan type and benefits.

More About These Plans

Carrier Plans Offered

Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.

Master Plan Pages by Plan ID

The plan pages listed in the table above have been modified for localization to help consumers identify plans available in their area. Most plans are available in multiple areas. The following list of plan IDs link to each plan's master page.

H5521 504, H5521 514, H5521 037, H5521 456, R6694 006, H5521 513, H5521 515, H3152 045, H3152 098, H3152 048, H5141 004, H5141 007, H5141 054, H5141 061, H0755 038, H0755 044, H0755 045, H0755 037, H0885 001, H0885 007, H0885 002, H0885 010, H8010 002, H8010 003, H6622 063, H5216 174, H5216 319, H3240 022, H8768 022, H8768 035, H8768 058, H8768 059, H7849 129, H7849 130, H0913 015, H0913 021, H0913 020, H0913 002, H0913 017

Plan Availability

The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Bayonne, Harrison, Hoboken, Jersey City, Kearny, North Bergen, Secaucus, Union City, Weehawken, West New York, and all other areas of Hudson County, New Jersey, including the following zip codes: 07002, 07029, 07030, 07032, 07047, 07086, 07087, 07093, 07094, 07096, 07097, 07099, 07302, 07303, 07304, 07305, 07306, 07307, 07308, 07310, 07311, 07395, 07399.

Citations & References
  • Medicare.gov, "Compare types of Medicare Advantage Plans", Last Accessed 19 March, 2025
  • Medicare.gov, "Special Needs Plans (SNP)", Last Accessed 11 June, 2024
  • Medicare.gov, "Learn How Medigap Works", Last Accessed 19 March, 2025
  • Plan and enrollment data provided by the Centers for Medicare & Medicaid Services (CMS)
  • Data processed and interpreted by MedicareWire.com editorial team.
  • Read our methodology and sourcing policy.

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On This Page

  • List of Plans
  • Plan Overview
  • Benefits
  • How to Choose
  • Enrollment

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[3]About the Author

David Bynon is a Medicare analyst, published author, and U.S. Navy veteran with over 40 years of experience in cryptology, cybersecurity, and healthcare systems. Since founding MedicareWire in 2012, he has delivered independent, data-driven Medicare research to help seniors make informed, confident decisions.

David is also the founder of TrustPublishing.com and the inventor of the Memory-First Publishing and Semantic Digest protocols.

Connect with David on LinkedIn or view his Amazon Author Profile. His latest book, Why Medicare Advantage Plans Are Bad, is available on Amazon.

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