Best Medicare Advantage Plans in New Jersey 2025
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More than 1.7 million people in New Jersey are signed up for Medicare, placing it in the top 15 U.S. states for Medicare beneficiaries.
Medicare is the federal health insurance program for people age 65 and older. Medicare Advantage is a bundled alternative to Medicare sold by private companies. It offers all the same benefits and usually some extras, such as cost savings on dental and vision coverage.
Medicare Advantage plans offer more benefits than Original Medicare, and they can be cheaper than paying for Medicare and a Medicare Supplement plan. However, they have less flexibility since you’ll need to get care from within the plan’s network of providers. Weigh your options to determine which plan best suits your needs.
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Compare the best Medicare Advantage plans in New Jersey
Top-rated Medicare Advantage plans in New Jersey
Each year, the Centers for Medicare & Medicaid Services (CMS) awards every Medicare Advantage plan a star rating on a scale of 1 to 5, with 5 being a top-rated plan. Below are companies with at least one plan that received top marks in New Jersey for the 2025 plan year. (Get more information about Medicare star ratings.)
4.5-star plans
There are no 5-star plans in New Jersey in 2025. The companies below offer plans in New Jersey that are rated 4.5 stars out of 5 by CMS:
4-star plans
The companies below offer plans in New Jersey that are rated 4 stars out of 5 by CMS:
Aetna.
This list doesn’t include special needs plans, which restrict membership to people with certain diseases or characteristics, such as having a chronic illness or living in a nursing home.
What to know about Medicare in New Jersey
More than 1 in 6 people in New Jersey are 65 and older, and there are a variety of Medicare and Medicare Advantage plans in the state.
The average monthly premium in 2025 for a Medicare Advantage plan in New Jersey is $25.09. (It was $19.58 in 2024.)
There are 96 Medicare Advantage plans available in New Jersey in 2025. (This is up from 92 in 2024.)
All Medicare-eligible people in New Jersey have access to a $0-premium Medicare Advantage plan.
Medicare resources in New Jersey
State Health Insurance Assistance Program (SHIP): Provides free resources and counseling for Medicare beneficiaries in New Jersey, including information on benefits and claims.
New Jersey Division of Aging Services: Offers help paying your Medicare costs if you meet low-income requirements.
New Jersey County Offices on Aging: Lists contact information for agencies that offer services for aging adults.
New Jersey Department of Health: Provides information on assistance programs and other help available for health care in New Jersey.
Find the right Medicare Advantage plan
It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:
What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?
Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.
Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?
Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?
Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?
Looking for more insurance in New Jersey? Check out these resources:
Medicare Advantage review methodology
The Medicare Advantage marketplace is concentrated among just a handful of companies; in many places, one insurer serves more than half of the market. NerdWallet reviewed 26 Medicare Advantage brands, with some insurers having more than one brand under their umbrella. (For example, Blue Cross Blue Shield includes the brands Anthem and Highmark.) At the national level, these reviews include nine of the 10 largest brands by enrollment. At the state level, our research includes at least one major insurer in 47 of the 49 states that offer Medicare Advantage plans, and includes the top two insurers in 35 of those states. (Alaska doesn't offer Medicare Advantage plans.) We also look at online search volume to identify regional and other notable players in the space.
NerdWallet’s Medicare Advantage reviews are based on ratings data from the Centers for Medicare & Medicaid Services, as well as pricing, plan availability by state, plan types available, consumer experience, extra benefits offered and more. These reviews are a guide, but we encourage you to shop around and compare several plans to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines for additional information.
This roundup includes only insurers that sell Medicare Advantage in New Jersey.
