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Braven Health Medicare Advantage Plans 2027: Braven Is Leaving, Horizon Options and What to Do

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 19, 2026

Braven Health is leaving Medicare Advantage. Braven was the New Jersey Medicare Advantage company formed by Horizon Blue Cross Blue Shield of New Jersey, Hackensack Meridian Health and RWJBarnabas Health, and it sold PPO plans across the state.

CMS’s 2027 plan data lists no Braven Health plans, and Braven is exiting all 21 New Jersey counties. Braven coverage continues through December 31, 2026, so members need to choose new coverage during Annual Enrollment, which runs October 15 to December 7, 2026. New Jersey still has 70 individual Medicare Advantage plans from 12 companies for 2027.

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Braven Health Medicare Advantage 2027: 0 Braven plans for 2027, all 21 New Jersey counties exited, 70 New Jersey plans from 12 companies and 38 PPO plans

Braven Health Plans Ending in 2027

These are the Braven Health plans in CMS’s 2026 data. None of them are offered for 2027:

2026 Braven Plan Plan Type 2027 Status
Braven Medicare Choice PPO Ending December 31, 2026
Braven Medicare Choice Plus PPO Ending December 31, 2026
Braven Medicare Freedom PPO Ending December 31, 2026
Braven Medicare Salute – No Rx PPO (no drug coverage) Ending December 31, 2026

Source: CMS 2026 and 2027 Plan Benefit Package data, contract H0885, individual (non-employer) plans.

If you’re a Braven member, you should get a non-renewal notice from the plan. Your Braven coverage keeps working through December 31, 2026, including your doctors and prescriptions.

What Braven Members Should Do Now

Losing your plan gives you more options, not fewer. Here is what Braven members can do for 2027:

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Pick a new Medicare Advantage plan during Annual Enrollment. Choose by December 7, 2026, and your new plan starts January 1, 2027 with no gap.

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Use your Special Enrollment Period. Because Braven is not renewing, you get a Special Enrollment Period, so you can still switch after December 7.

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Do nothing and go back to Original Medicare. If you don’t choose a plan, you’ll have Original Medicare on January 1, 2027. You’d need to pick up a separate Part D drug plan.

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Consider a Medicare Supplement. Because your plan is ending, you generally have a guaranteed right to buy certain Medigap plans, usually within 63 days after your coverage ends.

The safest move is to choose a plan before December 7, 2026, so your new coverage starts the day Braven ends.

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Horizon Blue Cross Blue Shield of New Jersey Medicare Advantage 2027

With Braven gone, Horizon’s own Medicare Advantage lineup for 2027 is limited to two special needs plans. Horizon does not offer a standard Medicare Advantage plan that anyone with Medicare can join:

2027 Horizon Plan Who It’s For Counties
Horizon NJ TotalCare (HMO D-SNP) People with both Medicare and NJ FamilyCare (Medicaid) All 21 New Jersey counties
Horizon Specialty Care (HMO C-SNP) People with a qualifying chronic condition Bergen, Essex, Hudson, Morris, Passaic, Somerset and Union

Source: CMS 2027 Plan Benefit Package and plan service area data, contract H8298, individual (non-employer) plans.

Horizon Specialty Care is new for 2027. Learn how these plans work in our guide to Medicare Advantage special needs plans.

New Jersey Medicare Advantage carriers 2027 by plan count: Aetna 16, Humana 12, UnitedHealthcare 12, Clover Health 8, Devoted Health 6, Wellcare 3, Wellpoint 3, Horizon BCBS NJ 2

New Jersey Medicare Advantage Plans for Braven Members

These are the companies selling individual Medicare Advantage plans in New Jersey for 2027:

Carrier 2027 Plans NJ Counties
Aetna Medicare 16 21
Humana 12 21
UnitedHealthcare 12 21
Clover Health 8 20
Devoted Health 6 14
Wellcare 3 20
Wellpoint 3 21
AmeriHealth 2 7
Jefferson Health Plans 2 8
Horizon BCBS of New Jersey 2 21
HealthSpring 2 3
Longevity Health Plan 2 18

Source: CMS 2027 Plan Benefit Package and plan service area data, individual (non-employer) plans. Plan counts include special needs plans.

Braven only sold PPOs. New Jersey has 38 PPO plans for 2027, including some special needs plans, from Aetna, Humana, UnitedHealthcare, Clover Health, Devoted Health, AmeriHealth, Jefferson Health Plans, HealthSpring and Longevity Health Plan. Devoted Health is new to New Jersey for 2027. Camden County has the most choices with 53 plans, and Hunterdon County has the fewest with 34. Read more in our guides to Clover Health, Devoted Medicare Advantage plans and Humana Medicare Advantage plans.

What New Jersey Plans May Include

Benefits depend on the plan and county, but New Jersey Medicare Advantage plans may include:

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PPO plans that let you see out-of-network providers, usually at a higher cost, like Braven’s plans did.

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Prescription drug coverage, with Part D out-of-pocket costs capped at $2,400 in 2027.

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No-drug-coverage plans for veterans and others who get drug coverage elsewhere, similar to Braven Salute.

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Dental, vision and hearing benefits, depending on the plan.

Not all plans offer all benefits. Check each plan’s 2027 Summary of Benefits for exact premiums, copays and out-of-pocket limits.

Before You Choose: Braven Member Checklist

1

List your doctors and hospitals. Many Braven members use Hackensack Meridian Health or RWJBarnabas Health, so confirm your doctors are in your new plan’s network.

2

Run your prescriptions. Drug costs vary widely between plans, even with the $2,400 cap.

3

Check whether you qualify for a special needs plan. Horizon NJ TotalCare is for people with Medicare and NJ FamilyCare.

4

Compare PPOs and HMOs. If you liked Braven’s out-of-network coverage, look at PPOs first.

5

Read your non-renewal letter. It explains your Special Enrollment Period and Medigap rights.

6

Mark the dates. Medicare Open Enrollment 2027 runs October 15 to December 7, 2026.

Compare 2027 Medicare Advantage Plans in New Jersey

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Braven Health Medicare Advantage 2027 — Frequently Asked Questions

➤ Is Braven Health leaving Medicare Advantage?

Yes. CMS’s 2027 plan data lists no Braven Health plans, and Braven is exiting all 21 New Jersey counties. Braven coverage continues through December 31, 2026.

➤ What happens to my Braven Health plan on January 1, 2027?

If you don’t choose a new plan, you’ll be moved to Original Medicare on January 1, 2027, and you’d need a separate Part D plan for drug coverage. Choosing a new plan by December 7, 2026 avoids any gap.

➤ Do Braven members get a Special Enrollment Period?

Yes. Because Braven is not renewing its plans, members get a Special Enrollment Period to choose new coverage, in addition to Annual Enrollment from October 15 to December 7, 2026.

➤ Can Braven members buy a Medicare Supplement?

Generally yes. When a Medicare Advantage plan leaves your area, you usually have a guaranteed right to buy certain Medigap plans, typically within 63 days after your coverage ends.

➤ Who owned Braven Health?

Braven Health was formed by Horizon Blue Cross Blue Shield of New Jersey, Hackensack Meridian Health and RWJBarnabas Health.

➤ Does Horizon Blue Cross Blue Shield of New Jersey have Medicare Advantage plans for 2027?

Horizon offers two special needs plans for 2027: Horizon NJ TotalCare (HMO D-SNP) for people with Medicare and NJ FamilyCare, and Horizon Specialty Care (HMO C-SNP) for people with a qualifying chronic condition.

➤ What Medicare Advantage plans can replace Braven in New Jersey?

New Jersey has 70 individual Medicare Advantage plans from 12 companies for 2027, including 38 PPO plans from carriers such as Aetna, Humana, UnitedHealthcare, Clover Health, Devoted Health, AmeriHealth, Jefferson Health Plans and HealthSpring.

➤ When can Braven members enroll in a new plan for 2027?

Annual Enrollment runs October 15 to December 7, 2026, with coverage starting January 1, 2027. Braven members also get a Special Enrollment Period because their plan is ending.

New to Medicare?

If you are new to Medicare, then you can enroll in a 2027 Medicare Advantage plan up to three months prior to your Medicare Part B effective date.

Call one of our licensed insurance agents to see what the best time frame is for you to enroll, based on your current situation. You can contact them at 1-855-409-6195 (TTY 711), Mon–Fri 8am–9pm EST.

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