Medicare in New Jersey serves about 1.7 million beneficiaries, with 44% enrolled in Medicare Advantage and the remainder on Original Medicare + Medigap. Average Medigap Plan G premium for a new 65-year-old enrollee: $192/mo. Stand-alone Part D plans average $47/mo.
Medicare Beneficiaries
1.7 million
Age 65+ and disabled
MA Enrollment
44%
% on Medicare Advantage
Avg Medigap Plan G
$192/mo
New enrollee, age 65
| Topic | Detail | Notes |
|---|---|---|
| Medicare Advantage plans available | 60+ | Varies by county; check medicare.gov plan finder |
| Top MA carriers | UnitedHealthcare, Aetna/CVS, Horizon Blue Cross Blue Shield NJ | Networks differ by county |
| Stand-alone Part D | $47/mo | Required if you have Original Medicare + Medigap |
| Annual guaranteed-issue Medigap switching | No (one-time 6-month window at 65) | New Jersey uses modified community rating for Medigap — premiums cannot vary by health status (only by age) — providing partial protection at enrollment. |
Medigap premiums vary by carrier, age, and ZIP code. The 2026 Part B premium is $202.90/month and Part B deductible is $283. Part D out-of-pocket cap is $2,100 in 2026.
New Jersey uses modified community rating for Medigap premiums, meaning insurers cannot vary rates based on health status — they can only adjust by age band. This provides more consumer protection than pure attained-age rating, though it is not as strong as the full community rating in Massachusetts and New York. Horizon Blue Cross Blue Shield of New Jersey is the state's dominant insurer and holds significant MA and Medigap market share. UnitedHealthcare, Aetna, and Cigna are major competitors. New Jersey's proximity to both New York City and Philadelphia creates a tri-state coverage dynamic — Bergen County beneficiaries may prefer NYC hospitals like NYU Langone or NewYork-Presbyterian, while South Jersey beneficiaries may use Penn Medicine or Jefferson Health.
Medigap Plan G premiums in New Jersey average about $192/month — among the highest in the country — partially reflecting the modified community rating structure and the high overall cost of healthcare in the state. The Newark, Jersey City, and North Jersey suburban markets are densely competitive for MA, with 60+ plan options. South Jersey's Camden and Atlantic County markets also offer substantial competition. New Jersey has no annual switching right beyond the community rating protection at enrollment. High concentrations of affluent retirees in Monmouth County, Morris County, and Somerset County mean IRMAA is a significant planning consideration.
In New Jersey, traditional Medicare combined with a Medigap supplement (typically Plan G or N) plus a stand-alone Part D plan provides nationwide access with predictable costs. Plan G covers everything except the $283 Part B deductible.
Medicare Advantage (Part C) plans bundle Medicare Parts A, B, and usually D into one private plan, often with $0 premium beyond Part B. Trade-offs include network restrictions and prior authorization. 44% of New Jersey beneficiaries currently choose MA.
New Jersey uses modified community rating for Medigap — premiums cannot vary by health status (only by age) — providing partial protection at enrollment.
💡 New Jersey Pro Tip
New Jersey beneficiaries in North Jersey metro counties (Bergen, Essex, Hudson, Union) typically have access to 60 or more Medicare Advantage plans, leveraging the density of the NYC metropolitan healthcare market. South Jersey (Camden, Burlington, Atlantic counties) generally offers 30 to 45 options. The state's dense population ensures broad plan availability statewide.
Medigap Plan G premiums in New Jersey average approximately $192 per month for a 65-year-old — one of the highest state averages in the country. New Jersey's modified community rating means rates cannot vary by health status, which contributes to the higher baseline premium compared to states that use medical underwriting.
New Jersey's modified community rating means insurers cannot base premiums on health status during initial enrollment, but the state does not have a full annual guaranteed-issue right for switching. Outside of initial enrollment or qualifying federal events, switching Medigap plans may still require medical underwriting — though the community rating protection limits how much an insurer can charge based on age.
Beneficiary counts and MA enrollment percentages from CMS state-level Medicare data; premium averages from 2026 carrier rate filings for New Jersey. Verify current plan costs at medicare.gov before enrolling.
Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed May 2026
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