Sussex County, New Jersey
Medicare agents in Sussex County, NJ
Find a licensed agent with an office in Sussex County, and see what Medicare looks like here: how many people have it, how many are in Medicare Advantage, and how many plans are offered for 2027.
Last reviewed October 27, 2026. General information, not advice about any plan.
Agents in Sussex County
No agents with an office in Sussex County are listed yet. Agents licensed anywhere in New Jersey can help by phone or video: see agents in New Jersey.
Before you meet anyone, check their New Jersey license.
Medicare in Sussex County
- People with Medicare
- 34,869
- In Medicare Advantage or another Medicare health plan
- 35% (12,078)
- With both Medicare and Medicaid*
- 7% (2,336)
Sussex County ranks 16th of New Jersey's 21 counties by number of people with Medicare. 35% are in Medicare Advantage or another Medicare health plan, compared with 41% across New Jersey. 7% also have Medicaid*, compared with 13% statewide.
Source: CMS Medicare Monthly Enrollment, July 2026, for the county and the state. Sussex County has about 147,444 residents (Census, 2024). Medicare health plans include Medicare Advantage, cost plans and PACE, not Medigap or drug plans. *Includes people who get help only with Medicare costs from a Medicare Savings Program.
2027 plans offered in Sussex County
- Medicare Advantage with drug coverage
- 24 plans, 12 with a $0 plan premium
- Medicare Advantage without drug coverage
- 6 plans
- Special Needs Plans
- 9 plans: 5 for people with both Medicare and Medicaid; 4 for people with certain chronic conditions. Only people who qualify can join.
- Companies offering these plans
- 8
For comparison, the typical New Jersey county has 27 Medicare Advantage plans with drug coverage for 2027.
Standalone drug plans in New Jersey: 11 plans, with monthly premiums from $5.30.
Source: CMS 2027 plan landscape (updated October 2026), which lists plans by county. A $0 plan premium doesn't mean $0 costs: you still pay the Part B premium, plus copays, and plans differ in their yearly limit and in which doctors and drugs they cover. How to compare.
Cities, towns and ZIP codes in Sussex County
Everything on this page applies across the whole county, including these places.
Cities and towns, largest first
- Hopatcong
- Newton
- Franklin
- Stanhope
- Hamburg
- Ogdensburg
- Sussex
- Branchville
- Andover
Unincorporated communities
- Byram Center
- Crandon Lakes
- Highland Lakes
- Lake Mohawk
- Layton
- Ross Corner
- Upper Greenwood Lake
- Vernon Center
- Vernon Valley
ZIP codes
Source: Census Bureau, Vintage 2024 population estimates, the 2020 list of census-designated places, and 2020 ZIP Code Tabulation Areas (which leave out ZIP codes used only for PO boxes). A place or ZIP code that crosses a county line is listed in each county it covers a real part of.
Free local help
- New Jersey State Health Insurance Assistance Program (SHIP)
- New Jersey's free, unbiased Medicare counseling program. 1-800-792-8820 · Website
- The New Jersey Department of Banking and Insurance
- Licenses agents and takes complaints. 1-800-446-7467 · How to check a license
- 1-800-MEDICARE
- 1-800-633-4227 (TTY 1-877-486-2048), 24 hours a day, 7 days a week, except some federal holidays.
New Jersey rules to know
- Switching Medigap plans
- New Jersey doesn't add a yearly Medigap switching right. Outside your 6-month Medigap Open Enrollment Period (which starts when you're 65 or older and have Part B) and certain federal protections, such as losing other coverage, insurers can usually ask health questions and turn you down. States with switching rights.
- Medigap under 65
- Required, with limits. New Jersey lets people under 65 on Medicare because of a disability buy Medigap Plan D (Plan C if eligible before 2020) if they apply within 12 months of enrolling in Part B, from every Medigap insurer if they are 50 to 64 or from one designated insurer if they are under 50; the state page does not mention kidney failure (ESRD).
- Agent licenses
- Agents must be licensed for health insurance in New Jersey. Look one up.
Dates to know
- October 15 to December 7
- Open Enrollment: change Medicare Advantage or drug plans for the next year.
- January 1 to March 31
- Medicare Advantage Open Enrollment: one change for people already in a Medicare Advantage plan.
- Turning 65
- A 7-month window around your birthday month. The checklist.
Moving to Sussex County from another state opens a special enrollment period for Medicare Advantage and drug plans. It doesn't by itself let you buy Medigap without health questions. What to do.
Common questions
How many people in Sussex County have Medicare?
In Sussex County, 34,869 people had Medicare in July 2026, according to CMS. About 35% were in Medicare Advantage or another Medicare health plan; the rest had Original Medicare.
How many Medicare Advantage plans are offered in Sussex County for 2027?
CMS lists 24 Medicare Advantage plans with drug coverage in Sussex County for 2027 (12 with a $0 plan premium; you still pay the Part B premium), 6 without drug coverage, and 9 Special Needs Plans for people who qualify, from 8 companies. Medicare.gov's Plan Finder shows which ones cover your address, doctors and drugs.
Which towns does this page cover?
All of Sussex County, including Hopatcong, Newton, Franklin, Stanhope, Hamburg, Ogdensburg, Sussex, Branchville and 10 more. Medicare Advantage plans are generally offered county by county, so the plan counts here apply across Sussex County.
Which ZIP codes are in Sussex County?
07416, 07418, 07419, 07422, 07439, 07460, 07461, 07462, 07821, 07822, 07826, 07827 and 7 more, according to the Census Bureau. A ZIP code that crosses a county line can be listed in more than one county.
Where can I get free Medicare help in Sussex County?
New Jersey's free counseling program, New Jersey State Health Insurance Assistance Program (SHIP) (1-800-792-8820), gives unbiased one-on-one help. You can also call 1-800-MEDICARE (1-800-633-4227) any time.
Will I pay more for a plan if I use an agent?
No. A plan's premium is set by the plan, and you pay the same whether you enroll through an agent, the plan, or Medicare.gov. Agents can't charge a fee to enroll you in a Medicare Advantage or drug plan.
Nearby
Keep reading
- How to find a good Medicare agent near youWhere to look for a local Medicare agent, how to narrow the list to one or two, and the five-minute checks to do before you share anything.
- Medicare Open Enrollment checklist: what to check before December 7A step-by-step checklist for the October 15 to December 7, 2026 Open Enrollment Period: what to read in your plan's letter, what's changing for 2027, what you can switch, and what happens if you do nothing.
- Medicare Advantage or Medigap? The questions that decide itNeither is better for everyone. How the two common Medicare set-ups differ, the questions that point to one or the other, and why the first choice is the hardest to undo.
Ready to talk to someone local?
Search by ZIP code. Verified agents are listed first, and every listing is free to contact.