How much does Medicare cost per month in New Jersey in 2026?

The base cost of Medicare in New Jersey is the Part B premium of $202.90/month (2026), which everyone pays regardless of which plan they choose. If you add a Medigap Plan G, filed rates for a 65-year-old run $147.88 to $260.98/month across 19 carriers (CSG Actuarial data as of 2026-09-12) — totaling roughly $351 to $464/month for comprehensive coverage with no networks and near-zero out-of-pocket costs.

Is Medicare free in New Jersey?

Medicare Part A (hospital insurance) is free for most people who worked and paid Medicare taxes for at least 10 years. Part B (medical insurance) costs $202.90/month in 2026. Part D (drug coverage) averages $30–$50/month. Medigap coverage is optional but eliminates most cost-sharing. There is no such thing as completely free comprehensive Medicare coverage.

How much does Medigap Plan G cost in New Jersey in 2026?

Filed Plan G rates for a 65-year-old New Jersey resident range from $147.88 to $260.98 per month across 19 carriers (CSG Actuarial, as of 2026-09-12). The benefits are federally identical at every carrier — only the price and the carrier's rate-increase history differ, which is why comparing filed rates before you enroll matters so much.

Does New Jersey have income-based help paying for Medicare?

Yes. New Jersey has several assistance programs: the Medicare Savings Program (MSP) can pay your Part B premium if you qualify based on income. Extra Help (Low Income Subsidy) assists with Part D drug costs. The PAAD (Pharmaceutical Assistance to the Aged and Disabled) program helps NJ residents with prescription drug costs. Contact NJ SHIP at 1-800-792-8820 to check eligibility.

What is the Medicare Part B deductible in New Jersey in 2026?

The Medicare Part B deductible is $283 in 2026 — this is a federal amount that applies nationwide, not NJ-specific. Plan G covers everything except this deductible. Plan F covers it entirely but is only available to those who became Medicare-eligible before January 1, 2020.

Does New Jersey use community rating for Medigap premiums?

No. New Jersey does not require community rating for Medicare Supplement plans. Carriers choose their own pricing method, and most NJ Medigap carriers use attained-age rating, meaning your premium rises as you get older. A minority — most notably AARP/UnitedHealthcare — use community rating, where age does not affect the premium. Because the method varies by carrier, compare both the starting rate and how the rate behaves over time, not just the age-65 price.

When is the best time to buy a Medigap plan in New Jersey to get the lowest cost?

The best time is during your 6-month Medigap Open Enrollment Period, which starts the month you are 65 or older and enrolled in Part B. During this window, you have guaranteed issue rights — carriers cannot deny you or charge more due to health. Outside this window, you may face medical underwriting. Call 855-559-1700 to review your options.

What is the Part A hospital deductible in New Jersey for 2026?

The Medicare Part A hospital deductible is $1,736 per benefit period in 2026. This is a federal amount and applies in every state, including New Jersey. Medigap Plan G and Plan N both fully cover this deductible, which is one of the main reasons many NJ beneficiaries add a supplement.

How Much Does Medicare Cost in New Jersey in 2026?

By Anthony Orner, Licensed Medicare Insurance Broker — NJ & 34 states

Last reviewed: August 2026 · Filed-rate data as of 2026-09-12 · Sources: CSG Actuarial, CMS.gov, NJ DOBI

Quick answer

Most NJ residents with comprehensive Medigap coverage (Plan G) pay $351–$464/month total — that is the $202.90 Part B premium plus a filed Plan G rate of $147.88–$260.98 at age 65, depending on carrier. In return, they have near-zero out-of-pocket costs and can see any doctor in the US who accepts Medicare. The carrier you pick is the single biggest cost lever: the benefits are federally identical, but the filed rates are $113.10/month apart.

2026 Cost Breakdown for NJ Medicare

Monthly Costs

$202.90 Part B premium

$147.88–$260.98 Plan G filed rates (age 65)

~$40 Part D drug plan

Annual Deductibles

$283 Part B (you pay this even with Plan G)

$1,736 Part A per benefit period (Plan G covers it)

$0 out-of-pocket after the Part B deductible with Plan G

What Plan G Actually Costs in NJ — Filed Rates by Age

These are carrier filed rates from CSG Actuarial as of 2026-09-12 — the real prices insurers filed with regulators, not marketing teasers. Every Plan G below covers the exact same federally standardized benefits.

Plan G — age	Lowest filed rate	Highest filed rate	Monthly spread	Carriers quoting
65	$147.88	$260.98	$113.10	19
67	$150.53	$266.89	$116.36	19
69	$153.54	$283.00	$129.46	19

Sample: ZIP 08002 (Cherry Hill), female, non-tobacco, no household discount. Most NJ carriers use attained-age rating, so premiums rise with age on top of general rate increases.

Plan N Filed Rates by Age (NJ)

Plan N trades small copays (up to $20 per doctor visit, up to $50 per ER visit) for a lower premium — filed rates start at $107.91/month at age 65.

Plan N — age	Lowest filed rate	Highest filed rate	Monthly spread	Carriers quoting
65	$107.91	$208.53	$100.62	20
67	$114.63	$223.40	$108.77	20
69	$116.93	$239.29	$122.36	20

Same sample profile as Plan G above.

Household Discounts Can Lower Your Cost

4 of 19 NJ Plan G carriers offer a household discount worth 5%–11% off the monthly premium. With the discount applied, filed Plan G rates start at $188.66. If you and your spouse are both enrolling, the discount can change which carrier is actually cheapest for your household.

Named-Carrier Examples (Plan G, age 65)

From our published carrier reviews (July 2026 CSG dataset): Medico (Wellabe) files $180.36/month in NJ (rank 8 of 18), Humana files $182.60 (rank 10, after consecutive +7.01% and +16.22% increases), and WoodmenLife files $205.29 (rank 15). A carrier's rate-increase history matters as much as its starting price — a cheap rate that climbs 15% a year stops being cheap fast.

Total Monthly Cost Scenarios

Original Medicare Only

Part B premium$202.90

Part D drug plan~$40

Monthly total~$243

⚠️ Unlimited out-of-pocket exposure — 20% of all Part B costs with no cap

Plan G + Part D (Recommended)

Part B premium$202.90

Medigap Plan G (lowest filed)$147.88

Part D drug plan~$40

Monthly total~$391

✅ Near-zero out-of-pocket — only the $283 Part B deductible per year

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Methodology

Medigap rates are carrier filed rates from CSG Actuarial as of 2026-09-12, not marketing quotes.
Sample profile: female, non-tobacco, ZIP 08002 (Cherry Hill); ages as labeled; household discount excluded except where noted.
Federal figures (Part A/B deductibles, Part B premium) are 2026 amounts from CMS.gov.
Carrier counts reflect carriers returning a filed quote for this profile; carriers can enter or exit between snapshots.
Figures refresh automatically when the underlying CSG snapshot updates; the as-of date above always reflects the current data.