Plan G Rates by Age in New Jersey: What You Will Actually Pay
Last reviewed: March 2026 · Source: NJ DOBI rate filings
Quick answer
Plan G in New Jersey costs between $125 and $260 per month depending on your age, carrier, and county. A 65-year-old typically pays $125–$210. By age 70, expect $155–$260. The cheapest carrier at 65 is not always the cheapest at 70 — comparing by age matters.
Plan G Monthly Premiums for Ages 65 to 70 in NJ
These ranges reflect non-tobacco rates from major carriers filing in New Jersey. Your actual rate depends on your specific zip code, gender, and carrier.
| Age | Lowest Rate | Mid-Range | Highest Rate |
|---|---|---|---|
| 65 | $125 | $165 | $210 |
| 66 | $130 | $170 | $220 |
| 67 | $135 | $180 | $230 |
| 68 | $140 | $185 | $240 |
| 69 | $150 | $195 | $250 |
| 70 | $155 | $200 | $260 |
Rates shown are monthly, non-tobacco, female. Male rates are typically 5–15% higher. Rates rounded to nearest $5 from NJ DOBI filings.
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Why Plan G Rates Vary by Age and Carrier
Two factors drive the difference: rating method and carrier pricing. Most NJ carriers use attained-age rating — your premium goes up as you age. A few use issue-age rating, where your rate is locked to the age you first enrolled and only rises with inflation.
At age 65, attained-age carriers are usually cheaper. By age 72–75, issue-age carriers often cost less because their rates have not climbed with age. 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 varies by county and age. A $30/month difference adds up to $360/year.
- Ask about household discounts. Many carriers offer 5–12% off if your spouse also has a Medigap policy.
- Consider issue-age carriers if you are under 68. Higher initial premium but lower lifetime cost.
- 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.
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