Plan G Rates by Age in New Jersey: What You Will Actually Pay
By Anthony Orner, Licensed Medicare Insurance Broker · Filed rates as of October 17, 2026, rechecked October 17, 2026 · Source: CSG Actuarial
Quick answer
Plan G in New Jersey costs between $150.53 and $418.00 per month depending on your age and carrier. A 65-year-old woman pays $150.53–$260.98. By age 70, expect $158.14–$294.00. Comparing by age matters. A man pays more at 18 of 19 carriers, a median 14.9%. Rates are filed statewide, so your county doesn't change the price.
Plan G Monthly Premiums for Ages 65 to 70 in NJ
These are filed non-tobacco rates from all 19 carriers quoting Plan G in New Jersey, at 65 and 70 and on to 80. Your actual rate depends on your age, sex, and which carrier you choose — NJ rates are filed statewide, so your ZIP code does not change the price.
| Age | Lowest Rate | Mid-Range | Highest Rate | Lowest for a Man |
|---|---|---|---|---|
| 65 | $150.53 (Bankers Fidelity Assurance) | $198.42 | $260.98 | $172.82 (Bankers Fidelity Assurance) |
| 70 | $158.14 (Bankers Fidelity Assurance) | $213.75 | $294.00 | $181.56 (Bankers Fidelity Assurance) |
| 75 | $187.90 (Bankers Fidelity Assurance) | $260.29 | $351.00 | $215.73 (Bankers Fidelity Assurance) |
| 80 | $222.79 (Bankers Fidelity Assurance) | $313.80 | $418.00 | $255.79 (Bankers Fidelity Assurance) |
Monthly filed rates for a woman, non-tobacco, no household discount, from CSG Actuarial as of October 17, 2026. New Jersey carriers file one rate for the whole state. Mid-range is the median filing at that age. For a man, the same carriers file a median 14.9% more at 65 (0.3% to 15.1%), measured October 17, 2026 by quoting women and men at the same ZIP.
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Why Plan G Rates Vary by Age and Carrier
Two factors drive the difference: rating method and carrier pricing. 17 of the 19 New Jersey carriers use attained-age rating — your premium goes up as you age. The other 2, AARP / UnitedHealthcare, are filed as community-rated, but a new applicant is still quoted more at 80 ($314.93) than at 65 ($209.91). None prices on issue age.
Each carrier climbs at its own pace, so the cheapest one at 65 is not guaranteed to stay cheapest. Which is better for you depends on how long you plan to keep the policy.
How to Get the Lowest Plan G Rate in New Jersey
- Enroll during Open Enrollment. Your first 6 months on Part B give you guaranteed-issue rights — no health questions, no rate surcharges.
- Compare at least 5 carriers. The cheapest Plan G carrier changes as you age. A $30/month difference adds up to $360/year.
- Ask about household discounts. 4 of the 19 New Jersey carriers offer 5–11% off if your spouse also has a Medigap policy.
- Compare at the age you will be, not just at 65. 17 of the 19 New Jersey carriers raise the premium on birthdays, on top of any rate filing.
- Work with an independent broker. We compare every carrier in your zip code at no cost to you — carriers pay us, not you.
How to Enroll in Plan G at Any Age
If you are within your 6-month Medigap Open Enrollment window (starts when you turn 65 and enroll in Part B), you can enroll in any Plan G policy with no health questions. Outside that window, most carriers require medical underwriting.
If you are in good health, switching carriers at any age is usually straightforward — even at 70. I pre-screen your health history before submitting any application so you know where you stand. Call to check which carriers are accepting applications in your county.
Not sure which carrier has the best rate for your age?
Anthony compares every Plan G carrier in your NJ zip code — free, no obligation.