New Jersey Medigap Rate Index 2026
By Anthony Orner, Independent Licensed Medicare Insurance Broker (compares multiple carriers) · Filed-rate data as of 2026-10-01 · Source: CSG Actuarial
A 65-year-old in New Jersey can pay anywhere from $150.53 to $260.98 per month for Medicare Supplement Plan G — a $110.45/month spread across 19 carriers for federally identical benefits. Plan N runs $114.63 to $208.53 across 20 carriers. This index publishes the actual filed-rate data so you can see the market before any carrier's marketing does.
Plan G Filed Rates by Age (NJ)
| Plan G — age | Lowest filed rate | Highest filed rate | Monthly spread | Carriers quoting |
|---|---|---|---|---|
| 65 | $150.53 | $260.98 | $110.45 | 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. New Jersey does not mandate a single pricing method — most NJ carriers use attained-age rating (premiums rise as you age), while a minority are community-rated. The age differences above reflect each carrier's filed age curve.
Plan N Filed Rates by Age (NJ)
| Plan N — age | Lowest filed rate | Highest filed rate | Monthly spread | Carriers quoting |
|---|---|---|---|---|
| 65 | $114.63 | $208.53 | $93.90 | 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 in NJ
Only 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.
Named-Carrier Examples (Plan G, age 65)
From our published carrier reviews (July 2026 CSG dataset): Medico (Wellabe) files $180.36 (rank 8 of 18, after a +9% filing effective May 2026), Humana files $182.60 (rank 10), and WoodmenLife files $205.29 (rank 15), and Bankers Fidelity files $150.53 — rank 2 of 18, about 17% below the NJ median, after a single +6.9% filing. Humana's NJ Plan G block has filed two consecutive increases — +7.01% (June 2024) and +16.22% (August 2025) — a pattern that historically precedes further increases.
The cheapest and most expensive carriers change as filings land. For the current cheapest carrier at your exact ZIP and age, call us — we quote every filed carrier, not a marketing shortlist.
2026 Rate Changes Filed in New Jersey
CSG Actuarial's filing records list 16 New Jersey filings between 2025-12 and 2026-09. The largest Plan G change is AARP / UnitedHealthcare at +25.5%, effective 2026-08-01. Each row is a filing on the carrier's whole New Jersey block, not one person's renewal, and an attained-age policy adds its birthday step on top of it.
| Carrier (as filed) | Effective | Plan G | Plan N | Plan F |
|---|---|---|---|---|
| Aetna Health Insurance | December 1, 2025 | +25.0% | — | — |
| Horizon Blue Cross Blue Shield | January 1, 2026 | +11.1% | — | — |
| Bankers Fidelity Assurance | February 1, 2026 | +6.9% | — | — |
| WoodmenLife | March 1, 2026 | +9.0% | — | — |
| ManhattanLife | May 1, 2026 | +10.0% | — | — |
| Medico Insurance Company | May 1, 2026 | +9.0% | — | — |
| United World Life (Mutual of Omaha) | May 15, 2026 | +15.0% | — | — |
| Aflac (Tier One Insurance) | June 1, 2026 | +15.0% | — | — |
| United American | June 15, 2026 | +15.8% | — | — |
| Humana Insurance Company | July 1, 2026 | 0.0% | — | — |
| LifeShield National | July 1, 2026 | +9.0% | — | — |
| AARP / UnitedHealthcare | August 1, 2026 | +25.5% | — | — |
| AARP / UnitedHealthcare | August 1, 2026 | +11.7% | — | — |
| HealthSpring National Health (HCSC) | August 1, 2026 | +18.0% | — | — |
| Humana Insurance Company | September 1, 2026 | +25.0% | — | — |
| Insurance Company of North America (Chubb) | September 1, 2026 | +12.0% | — | — |
Source: CSG Actuarial MedSupp Rate Change Reports, monthly, through June 2026. Effective dates can land after the report month. Carriers are listed as they filed, so one company can appear under two entity names. The full list for every state is on our 2026 Medigap rate increases page.
How NJ Compares: Lowest Filed Plan G Rate by State (age 65)
Sorted by each state's cheapest filed Plan G rate, one flagship-metro ZIP per state. New Jersey is highlighted.
| State (sample city) | Lowest Plan G | Highest Plan G | Carriers |
|---|---|---|---|
| Virginia (Richmond) | $109.75 | $292.08 | 22 |
| North Carolina (Charlotte) | $113.59 | $315.20 | 30 |
| South Carolina (Columbia) | $114.30 | $249.23 | 25 |
| Mississippi (Jackson) | $115.11 | $258.00 | 23 |
| Ohio (Cleveland) | $118.17 | $389.93 | 32 |
| Indiana (Indianapolis) | $118.22 | $333.67 | 27 |
| Alabama (Birmingham) | $124.06 | $318.21 | 22 |
| Tennessee (Nashville) | $125.25 | $358.58 | 28 |
| West Virginia (Charleston) | $125.32 | $261.37 | 26 |
| Texas (Houston) | $142.78 | $284.86 | 28 |
| Georgia (Atlanta) | $144.62 | $332.00 | 21 |
| Arizona (Phoenix) | $146.51 | $617.00 | 30 |
| Michigan (Detroit) | $147.57 | $373.11 | 26 |
| New Jersey (Cherry Hill) | $150.53 | $260.98 | 19 |
| Arkansas (Little Rock) | $164.70 | $331.00 | 23 |
| Pennsylvania (Philadelphia) | $177.02 | $295.51 | 26 |
| New Hampshire (Manchester) | $184.54 | $388.77 | 15 |
| Florida (Miami) | $260.57 | $486.03 | 23 |
| Connecticut (Hartford) | $295.75 | $461.94 | 8 |
Entry price is only half the story: most NJ Medigap carriers use attained-age rating, so the premium climbs as you age on top of general rate increases — a minority of carriers are community-rated and hold the same rate at every age. That rating-method split is a structural detail most national comparisons miss. NJ also prohibits tobacco rate differentials during the 6-month Medigap Open Enrollment Period. Massachusetts, Minnesota, and Wisconsin standardize Medigap differently and are not included.
Methodology
- Rates are carrier filed rates from CSG Actuarial as of 2026-10-01, not marketing quotes.
- Sample profile: female, non-tobacco, ZIP 08002 (Cherry Hill); ages as labeled; household discount excluded except where noted.
- “Spread” is the monthly dollar gap between the cheapest and most expensive filed rate for identical, federally standardized benefits.
- Carrier counts reflect carriers returning a filed quote for this profile; carriers can enter or exit between snapshots.
- The index is refreshed when new filings meaningfully change the data; the as-of date above always reflects the underlying snapshot.
Journalists and researchers: this data may be cited with attribution to MedicareYourself.com and a link to this page. For carrier-level detail or other states, contact anthony@easykindmedicare.com.
The spread is the story: same benefits, $110.45/month apart.
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