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

2026 Plan G premiums in New Jersey vary substantially across carriers for federally-identical coverage. The spread reflects differences in carrier pricing methodology (community-rated, issue-age-rated, and attained-age-rated carriers all operate in NJ), rate-increase history, and available household discounts. Comparing every licensed carrier is the only reliable way to find the lowest rate for your specific situation.

Does Plan G cost the same at 65 as it does at 69 in New Jersey?

It depends on the carrier. New Jersey has a mix of Medigap pricing methodologies: community-rated carriers charge everyone the same regardless of age, issue-age-rated carriers lock your rate at the age you enrolled, and attained-age-rated carriers increase premiums every year as you age. A 69-year-old can pay significantly more for the same Plan G coverage from an attained-age carrier than a 65-year-old pays from the same carrier.

What is the typical spread between the cheapest and most expensive Plan G in NJ?

The spread between the lowest and highest Plan G premium for the same New Jersey enrollee routinely exceeds $100 per month, and in many cases $300 or more — for coverage that is federally standardized and covers the exact same services. Over a 20-year Medigap enrollment, that gap compounds into tens of thousands of dollars in preventable spending. This is why carrier comparison is the single highest-leverage decision in Medigap shopping.

Can I get a household discount on my NJ Medigap plan?

Most carriers licensed in New Jersey offer a household discount of 5% to 14% off the monthly premium. Eligibility varies by carrier: some require both spouses to apply, some accept civil unions or cohabitation, and some only require another adult in the household to have (or be applying for) coverage with any Medigap carrier. Because the rules differ, the discount is often missed by applicants going direct to a single insurer.

Does New Jersey charge smokers more for Medigap during open enrollment?

No. New Jersey is one of the few states that prohibits tobacco rate differentials during the Medigap Open Enrollment Period. If you enroll during your 6-month OEP (the six months starting when you are both 65 and enrolled in Part B), tobacco and non-tobacco applicants pay the same rate for the same Plan G or Plan N coverage. Outside OEP, tobacco rating may apply with medical underwriting.

How many Medigap carriers are licensed in New Jersey?

More than 20 carriers actively file Medigap rates in New Jersey, offering standardized Plan A, B, C, D, F, G, HDF, K, L, M, and N policies. Each carrier prices the same federally-standardized coverage differently based on their book of business, rate-filing history, and pricing methodology. Not every carrier offers every plan letter, and not every carrier is available in every ZIP code.

What is the difference between Plan G and Plan N pricing in New Jersey?

Plan N premiums typically run $20 to $40 per month lower than Plan G from the same carrier. Plan N adds small copays (up to $20 per office visit and up to $50 per ER visit) and does not cover Part B excess charges, but otherwise provides comparable coverage. If you rarely visit specialists and your preferred providers do not charge excess fees, Plan N often delivers better monthly value than Plan G.

How often do New Jersey Medigap carriers raise rates?

Most Medigap carriers in New Jersey file rate adjustments annually. The size and frequency of increases vary widely — some carriers have maintained flat rates for 2+ consecutive years while others raise rates 5% to 10% every cycle. A broker can pull rate-increase history from the CSG Actuarial database and show you which carriers have the most stable pricing before you commit.

New Jersey Medicare Supplement Pricing for Ages 65–69 (2026)

By Anthony Orner, Licensed Medicare Insurance Broker

Verified against CSG Actuarial rate filings · Updated 2026-07-12 · Sample ZIP 08002, Cherry Hill

Medicare Supplement (Medigap) benefits are set by federal law — a Plan G from any licensed New Jersey carrier covers the exact same services as Plan G from any other carrier, at the same doctor's offices and hospitals, with the same claims process. What differs is the monthly premium, the rate-increase history, and the discounts the carrier offers. This page shows the 2026 spread across every licensed carrier in New Jersey for ages 65, 67, and 69.

2026 NJ Plan G Spread

$148 to $283/month across 18 carriers

A $135/month gap between the cheapest and most expensive Plan G in New Jersey — for coverage that is federally identical. Over 20 years of Medigap enrollment, that gap compounds into six figures of preventable spending.

See the full carrier-by-carrier breakdown

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Plan G Premium Spread by Age

Plan G is the most comprehensive plan available to anyone newly eligible for Medicare in 2026 — it covers everything Original Medicare leaves behind except the annual Part B deductible ($283). The table below shows the monthly premium spread across every licensed Plan G carrier in New Jersey for ages 65, 67, and 69.

Age	Lowest	Highest	Spread	Carriers
Plan G, age 65	$148/mo	$261/mo	$113/mo	18
Plan G, age 67	$151/mo	$267/mo	$116/mo	18
Plan G, age 69	$154/mo	$283/mo	$129/mo	18

Source: CSG Actuarial rate filings, 2026-07-12. Sample ZIP 08002, Cherry Hill. In-state rates may vary by rating area.

Plan N Premium Spread by Age

Plan N trades lower premiums for small copays (up to $20 per office visit and up to $50 per ER visit) and does not cover Part B excess charges. For enrollees who rarely see specialists and whose providers do not charge excess fees, Plan N is frequently the best monthly value in the NJ market.

Age	Lowest	Highest	Spread	Carriers
Plan N, age 65	$107/mo	$209/mo	$102/mo	19
Plan N, age 67	$109/mo	$223/mo	$114/mo	19
Plan N, age 69	$115/mo	$239/mo	$125/mo	19

Source: CSG Actuarial rate filings, 2026-07-12. Sample ZIP 08002, Cherry Hill.

Why the Price Gap Is So Wide in New Jersey

New Jersey allows Medigap carriers to use three different pricing methodologies in parallel, and the mix is the single biggest driver of the premium spread:

Community-rated carriers charge every enrollee the same base rate regardless of age. Older applicants benefit most; the youngest applicants often find these carriers priced higher than age-based alternatives.
Issue-age-rated carriers lock your rate at the age you enrolled. Applying at 65 and holding the same plan for 15 years means no age-based premium increases — only general rate adjustments.
Attained-age-rated carriers raise your premium every year as you age. These carriers often offer the cheapest Plan G at 65 and the most expensive at 75. The cheapest Plan G today is not always the cheapest Plan G at age 75.

Because these methodologies coexist in NJ, the 2026 Plan G premium for a single 67-year-old enrollee can differ by hundreds of dollars a month depending solely on which carrier issued the policy. A broker can show you not just today's rates but the projected rates over the next 10 years based on each carrier's pricing methodology and historical rate-adjustment pattern.

The Household Discount Most NJ Applicants Miss

4 of the licensed NJ Medigap carriers offer a household discount, ranging from 5% to 11.1% off the standard monthly premium. Eligibility rules vary by carrier: some require marriage, some accept civil unions, some accept cohabitation, and some only require another adult in the household to have (or be applying for) Medigap coverage with any carrier.

Because the eligibility rules differ carrier by carrier, this discount is routinely missed by applicants going direct to a single insurer's website. It is the second-largest lever after carrier selection itself.

New Jersey–Specific Protections

Tobacco-neutral during OEP. New Jersey is one of the few states that prohibits tobacco rate differentials during the Medigap Open Enrollment Period. If you enroll during your 6-month OEP, tobacco and non-tobacco applicants pay the same rate for identical coverage.
Under-65 Medigap access. New Jersey requires carriers to offer Medigap policies to beneficiaries under 65 who are on Medicare due to disability, with specific access windows tied to Part B enrollment. This is not federally required — many states do not have this protection.
Standard federal 6-month OEP only. NJ does not have year-round guaranteed-issue access like New York or Connecticut. The 6-month window that starts when you are both 65 and enrolled in Part B is still the most important timing decision in NJ Medigap shopping.

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Rates vary by NJ rating area. Call to see every licensed carrier at your age, your ZIP, with every discount you qualify for.

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New Jersey Medigap Pricing FAQ

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Related NJ Medigap guides

Data source & methodology

Premium spreads on this page are pulled from the CSG Actuarial rate-filing database — the same source licensed Medigap brokers use to compare carriers. The snapshot reflects sample-ZIP rates for Female applicants non-tobacco at ages 65, 67, and 69 in Cherry Hill. In-state rates can vary by rating area; call for your ZIP-specific quote.

MedicareYourself (EasyKind Medicare) is an independent brokerage licensed in NJ and 34 states. We are not affiliated with Medicare, CMS, or any insurance carrier.