Medicare Broker in Hudson County, New Jersey
A Medicare broker serving Hudson County compares Medicare Supplement and Medicare Advantage plans from multiple carriers — for Jersey City, Hoboken, Bayonne, Union City, and every other Hudson County town — at no cost to you. Premiums are the same whether you enroll through a broker or directly with a carrier; the difference is that a broker shows you every option side by side instead of one company's.
I'm Anthony Orner, an independent Medicare broker licensed in New Jersey and 34 other states (NPN 20586791), based at 1309 Route 70 West in Cherry Hill. I serve Hudson County clients by phone and video. That works because Medigap rates are filed at the state level — the filed rate you'd be quoted along the Jersey City waterfront is the same one I pull from my office, and this site publishes the same data I use on those calls.
Call for Free Advice — 855-559-1700What Medigap costs Hudson County residents right now
These are statewide New Jersey filed rates for a 65-year-old non-smoking woman, verified against carrier rate filings as of 2026-07-12. A July 2026 check of a representative ZIP code in all 21 New Jersey counties — Hudson included — returned identical Plan G and Plan N filed-rate ranges statewide, so this table is Hudson County's pricing, not an estimate.
| Plan | Lowest filed rate | Highest filed rate | Carriers quoting |
|---|---|---|---|
| Plan G | $148/mo | $261/mo | 18 |
| Plan N | $107/mo | $209/mo | 19 |
Quoted at sample ZIP 08002 (Cherry Hill); Hudson County ZIPs see the same filed rates. Your exact premium depends on age, ZIP, and household discount eligibility. See the full NJ Medigap Rate Index for the complete dataset.
New Jersey Medigap rules that protect Hudson County buyers
- Six-month Open Enrollment Period. Your Medigap OEP starts when you're 65+ and enrolled in Part B, and lasts six months. During it, carriers must accept you regardless of health history. Outside that window, federal guaranteed-issue rights apply only in specific situations — like losing employer coverage or a Medicare Advantage plan leaving your area.
- Tobacco-neutral pricing during OEP. New Jersey prohibits tobacco rate differentials during the Medigap Open Enrollment Period — a consumer protection most states don't offer.
- Apply early to lock your rate. You can apply for a Medigap policy up to six months before your Part B effective date. Applying early locks in your rate and guarantees no coverage gap.
Hudson County by the numbers
Hudson County is New Jersey's most densely populated county and its 4th-most populous, with roughly 736,000 residents as of the Census Bureau's 2024 population estimate. It also skews younger than the rest of the state: about 96,000 residents, or 13% of the county, are age 65 or older, compared with 18% statewide and nationally. Jersey City, the county seat, is home to roughly 303,000 of those residents and is New Jersey's second-largest city. That smaller senior share doesn't make Medicare decisions any less important — it just means fewer neighbors are comparing notes on plans, which is exactly where an independent broker who works the filed rates every day can help.
Hudson County is also one of the most diverse counties in New Jersey: roughly 42.6% of residents were born outside the United States as of 2024, per Census Bureau data. That matters for Medicare Advantage shopping in particular, since plan availability and provider directories can look very different depending on which language and cultural-competency resources a plan offers. Free, unbiased counseling in multiple languages is available through NJ SHIP, and I can walk through plan documents with you or a family member either way.
Medicare Advantage networks in Hudson County
Unlike Medigap, Medicare Advantage is local: networks and plan availability are set county by county. In Hudson County, the hospital systems that anchor most plan networks are:
- Jersey City Medical Center — an RWJBarnabas Health teaching hospital and state-designated Level II Regional Trauma Center, with more than 90,000 emergency department visits a year and Hudson County's only pediatric emergency department.
- CarePoint Health / Hudson Regional Health — the unified network built from Christ Hospital in Jersey City, Hoboken University Medical Center, and Bayonne Medical Center, now operating under shared leadership across Hudson County.
- Hackensack Meridian Palisades Medical Center in North Bergen — a 197-bed facility on the Hudson River waterfront serving more than 450,000 people across Hudson and southern Bergen counties, and the only Hudson County hospital with three consecutive “A” Leapfrog Hospital Safety Grades.
Before enrolling in any Advantage plan, confirm that your hospital, your doctors, and your prescriptions are in-network — two plans with identical premiums can have very different Hudson County networks, especially with three separate systems competing for the same waterfront and inland neighborhoods.
Hudson County also has a large population of residents who qualify for both Medicare and Medicaid. If that's you, Dual-Eligible Special Needs Plans (D-SNPs) are worth a look: multiple D-SNPs are offered in Hudson County for 2026, designed for dual-eligible beneficiaries and often including extra benefits with low or no cost sharing. I can check your eligibility and compare the D-SNPs available in your ZIP code.
Medicare help by Hudson County town
Local guides for the Hudson County towns we serve most:
- Medicare agents in Bayonne
- Medicare agents in Hoboken
- Medicare agents in Kearny
- Medicare agents in North Bergen
- Medicare agents in Union City
- Medicare agents in West New York
Also serving Jersey City, Secaucus, Weehawken, Guttenberg, Harrison, and every other Hudson County municipality by phone and video from our Cherry Hill office.
Talk to a Hudson County Medicare Broker
Free comparison across carriers — Jersey City, Hoboken, Bayonne, and all of Hudson County.
855-559-1700Start a Free QuoteFrequently Asked Questions
Go deeper on New Jersey Medicare
- New Jersey Medicare Broker — all 21 counties
- Best Medicare Supplement Plans in New Jersey (2026)
- NJ Medigap Rate Index — every carrier's filed range