Medicare Broker in Union County, New Jersey
A Medicare broker serving Union County compares Medicare Supplement and Medicare Advantage plans from multiple carriers — for Elizabeth, Linden, Plainfield, Union Township, and every other Union 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 Union County clients by phone and video. That works because Medigap rates are filed at the state level — the filed rate you'd be quoted on Elizabeth Avenue 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 Union 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 — Union included — returned identical Plan G and Plan N filed-rate ranges statewide, so this table is Union 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); Union 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 Union 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.
Union County by the numbers
Union County added more residents than any other New Jersey county between 2023 and 2024, growing 2.08% to reach 594,160 residents as of July 1, 2024 — a gain of roughly 12,080 people in a single year, according to the county's own citation of U.S. Census Bureau Population Estimates Program data. Elizabeth, the county seat, has been New Jersey's fourth-largest city since the 2020 Census, with 137,298 residents.
Roughly 92,600 Union County residents, or about 15.6% of the county, were age 65 or older as of 2024, per U.S. Census Bureau estimates — a smaller senior share than New Jersey's statewide 18%. That doesn't make Medicare decisions less important for the county's seniors; 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.
Union County is also one of New Jersey's more diverse counties: an estimated 33.5% of residents were born outside the United States as of 2024, per Census Bureau data — more than double the national average. 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 Union County
Unlike Medigap, Medicare Advantage is local: networks and plan availability are set county by county. Union County has two full-service hospitals within its borders, each anchoring a different health system:
- Trinitas Regional Medical Center in Elizabeth — a 554-licensed-bed hospital, including a 120-bed long-term care center, that joined RWJBarnabas Health, New Jersey's largest academic health system, in 2022.
- Overlook Medical Center in Summit — part of Atlantic Health System, recognized with ANCC “Magnet with Distinction” status in 2025 and ranked among the top hospitals in New Jersey by U.S. News & World Report's 2025–2026 Best Hospitals list.
Residents near the county's edges also routinely use hospitals in neighboring counties, so the right Medicare Advantage plan for a Rahway or Clark resident may look different from the right plan for someone in Summit or Springfield. Before enrolling in any Advantage plan, confirm that your hospital, your doctors, and your prescriptions are in-network.
Union 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 Union 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 Union County town
Local guides for the Union County towns we serve most:
- Medicare agents in Elizabeth
- Medicare agents in Linden
- Medicare agents in Plainfield
- Medicare agents in Union Township
Also serving Rahway, Westfield, Summit, Cranford, Clark, and every other Union County municipality by phone and video from our Cherry Hill office.
Talk to a Union County Medicare Broker
Free comparison across carriers — Elizabeth, Linden, Plainfield, and all of Union 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