How much is Medicare Plan G in New Jersey?

Plan G premiums in New Jersey typically range from around $120 to $300+ per month depending on your age, gender, zip code, and the carrier. Two people the same age in different parts of the state can see very different rates. The best way to find your exact price is to compare quotes from all available carriers.

How much will Medicare Plan G be in 2026?

No one can predict exact 2026 rates yet, but Plan G premiums generally increase 3-8% per year depending on the carrier. Some carriers have a track record of smaller annual increases. Choosing a carrier with historically stable rate increases can save you thousands over time.

Can I switch Plan G carriers in New Jersey?

Yes, you can apply to switch Plan G carriers at any time. However, outside of your Medigap Open Enrollment Period, you'll need to pass medical underwriting. That's why picking the right carrier from the start matters so much.

What does Plan G cover that I'd otherwise pay out of pocket?

Plan G covers the Part A deductible ($1,676 per benefit period in 2026), skilled nursing facility coinsurance ($209.50/day for days 21-100), Part B excess charges, and foreign travel emergency care. Your only remaining cost is the annual Part B deductible of $283.

How Much Is Plan G in NJ? Real Rates From Every Major Carrier

How much is Plan G in NJ? It depends on your age, zip code, gender, and which carrier you pick. In 2025, I'm seeing monthly premiums range from roughly $120 to over $300 across New Jersey. That spread is exactly why comparing every carrier matters before you lock in.

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Plan G monthly premiums by age in New Jersey (2025)

New Jersey uses attained-age rating for most Medigap policies. That means your premium starts based on your current age and rises as you get older. Here's a general range of what I'm quoting right now:

Age 65: ~$120 to $190/month
Age 70: ~$145 to $230/month
Age 75: ~$175 to $280/month
Age 80+: ~$210 to $330/month

These are ballpark figures. Your actual rate depends on the carrier and your specific details. Rates vary by carrier, so always compare.

Why two 67-year-olds pay different rates for the same plan

Every Plan G policy covers the exact same benefits regardless of carrier. The coverage is standardized by Medicare. The only difference is the premium each company charges.

Carriers price based on their claims experience, the size of their enrollment pool, and their rate increase history. One company might start low and raise rates aggressively. Another might start slightly higher but hold steady for years. That long-term pattern matters more than the first-year price.

Carriers with the lowest Plan G rates right now

I work with every major carrier selling Plan G in New Jersey. The lowest-priced option shifts depending on your county and age bracket. What's cheapest in Bergen County might not be cheapest in Ocean County.

I look at both the current rate and the carrier's history of annual increases. A policy that's $15/month cheaper today but jumps 10% a year isn't a deal. I'll show you both numbers side by side.

What Plan G actually leaves you paying

Plan G covers everything except the Part B deductible, which is $283/year in 2026. That's it. No copays at the doctor. No coinsurance after surgery. No network restrictions.

It also picks up the Part A hospital deductible ($1,676 per benefit period), skilled nursing coinsurance at $209.50/day for days 21-100, and Part B excess charges. You see any doctor in the country who accepts Medicare.

Switching from an Advantage plan? Read this first

I hear from people every week who left their Medigap plan for a $0-premium Advantage plan and regret it. The copays add up. Referrals slow things down. And getting back to Plan G means passing medical underwriting if you're outside your open enrollment window.

If you're still in your 6-month Medigap Open Enrollment Period (starts the month you turn 65 and enroll in Part B), you get guaranteed acceptance with no health questions. Don't let that window close without comparing your options.

Get your exact Plan G rate in under 2 minutes

I'll pull quotes from every carrier in your zip code, show you the rate history for each one, and tell you which I'd pick if it were my money. No cost, no pressure. Just the numbers you need to make a smart decision.

Call 855-559-1700 for your free Plan G rate comparison

Anthony Orner, Licensed Medicare Broker in New Jersey

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