New Jersey is a largely suburban state with most of its population living in the New York and Philadelphia metropolitan areas. The hottest Medicare Advantage (MA) competition is in suburban New York City, where penetration is only about 12% and the state’s leading MA companies – Aetna, Horizon Blue Cross Blue Shield of New Jersey, and UnitedHealth – are waging a battle for members.

This article was published in Medicare Business Online on March 19, 2010. Copies are available to prospective clients on request.