New Jersey Medigap Rate Index 2026

By Anthony Orner, Independent Licensed Medicare Insurance Broker (compares multiple carriers) · Filed-rate data as of 2026-07-12 · Source: CSG Actuarial

A 65-year-old in New Jersey can pay anywhere from $147.88 to $260.98 per month for Medicare Supplement Plan G — a $113.10/month spread across 18 carriers for federally identical benefits. Plan N runs $106.57 to $208.53 across 19 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)

Sample: ZIP 08002 (Cherry Hill), female, non-tobacco, no household discount. New Jersey is community-rated, so premiums do not increase with age after purchase — the small age differences above reflect issue-age pricing at purchase.

Plan N Filed Rates by Age (NJ)

Same sample profile as Plan G above.

Household Discounts in NJ

Only 4 of 18 NJ Plan G carriers offer a household discount, worth 5%–11.1% off the monthly premium. With the discount applied, filed Plan G rates start at $155.15. 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 (April 2026 CSG dataset): Medico (Wellabe) files $165.47 (rank 5 of 19), Humana files $182.60 (rank 13), and WoodmenLife files $205.29 (rank 16). Humana's NJ Plan G block has filed two consecutive increases — +7.01% (June 2024) and +16.22% (August 2025) — with its NJ loss ratio crossing 100% in 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.

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.

Entry price is only half the story: New Jersey's community rating means the premium does not climb with your age after you buy, unlike the attained-age pricing common in most states — a structural trade-off 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 2026-07-12, 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.