Medigap Plan G vs Plan N in New Jersey (2026): Which Is Better?
By Anthony Orner, Licensed Medicare Insurance Broker — NJ & 34 states
Last reviewed: July 10, 2026 · Sources: CMS.gov, NJ DOBI, CSG Actuarial filed rates
What's Different for NJ Plan G vs Plan N in 2026
- • Part B deductible is $283 (covered by Plan G, not Plan N)
- • Part A hospital deductible is $1,736 per benefit period (both plans cover it)
- • Most NJ carriers use attained-age rating — your premium typically rises as you age, so check the carrier's rating method
- • Plan N copays up to $20 per doctor visit, $50 per ER visit still apply
The short answer
Plan G is the better choice for most NJ residents. The $20–$40/month premium savings from Plan N rarely offset the copays and coverage gaps once you factor in real-world doctor and ER visits over a typical year.
Side-by-Side Coverage Comparison
| Coverage Item | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance + 365 extra days | ✅ Covered | ✅ Covered |
| Part B coinsurance / copayment | ✅ Covered | ✅ Covered (with copays) |
| Part A hospice coinsurance | ✅ Covered | ✅ Covered |
| Part A deductible ($1,736 in 2026) | ✅ Covered | ✅ Covered |
| Part B deductible ($283 in 2026) | ✅ Covered | ❌ Not covered |
| Part B excess charges | ✅ Covered | ❌ Not covered |
| Foreign travel emergency (80%) | ✅ Covered | ✅ Covered |
| Doctor visit copay | None | Up to $20 |
| ER visit copay (not admitted) | None | Up to $50 |
The Math: When Does Plan N Actually Save You Money?
Plan N saves you $20–$40/month in premiums — about $240–$480/year. To break even, you would need to have fewer than 12–24 doctor visits per year with no excess charges and no ER visits. For most Medicare beneficiaries who see doctors regularly, Plan G wins on total cost.
The scenario where Plan N clearly wins: you are 65–70, in excellent health, see your primary care doctor twice a year, and rarely visit specialists. In that case, the premium savings accumulate without being offset by copays.
What Plan G and Plan N Actually Cost in New Jersey (2026 Filed Rates)
Based on CSG Actuarial filed-rate data (July 2026, age 65, ZIP 08002 Cherry Hill, no household discount), New Jersey Plan G premiums run from $147.88 to $260.98/month across 18 carriers — a $113/month spread for federally identical benefits. Plan N runs $106.57 to $208.53/month across 19 carriers. The carrier you pick matters more than the plan letter.
| NJ Plan G at 65 (filed rates) | Monthly premium | Market rank |
|---|---|---|
| Cheapest filed Plan G | $147.88 | 1 of 18 |
| Medico (Wellabe) | $180.36 | 8 of 18 |
| NJ market median | $181.62 | — |
| Humana | $182.60 | 10 of 18 |
| WoodmenLife | $205.29 | 15 of 18 |
| Most expensive filed Plan G | $260.98 | 18 of 18 |
Source: CSG Actuarial filed rates, April 2026 · age 65, female, non-tobacco, ZIP 08002 · Full carrier-by-carrier analysis in our Medico, Humana, and WoodmenLife reviews, or see NJ Plan G & N pricing for ages 65–69.
How NJ Carriers Price Medigap: Why the Rating Method Changes the Calculation
New Jersey does not mandate a single pricing method — each carrier chooses its own. Most NJ Medigap carriers use attained-age rating, meaning your premium rises as you get older on top of general rate increases. A minority (notably AARP/UnitedHealthcare) are community-rated, charging the same premium regardless of age. That means the cheapest Plan G or Plan N at 65 is not always the cheapest at 75 — compare each carrier's rating method and rate-increase history, not just today's premium gap.
However, keep in mind that switching from Plan N to Plan G after your 6-month Medigap Open Enrollment Period may require medical underwriting. If your health changes later, switching could be more difficult. Consider your long-term healthcare needs when choosing between Plan G and Plan N at 65.
Not sure which plan fits your situation?
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