Best Medicare Supplement Plans in New Jersey 2026
New Jersey has over 496,000+ Medigap enrollees. Plan G coverage starts at just $139/mo in Newark. We compared 25+ carriers to find the best coverage for New Jersey retirees.
More than 400,000 people in New Jersey have Medicare Supplement Insurance, or Medigap. New Jersey uses attained-age rating, which means premiums increase as you get older. This makes it especially important to shop carefully during your 6-month Open Enrollment Period at age 65, when you have guaranteed-issue rights and cannot be denied coverage or charged higher premiums based on your health history.
Horizon Blue Cross Blue Shield of New Jersey is the dominant local carrier with a significant share of the state market. National carriers like AARP/UnitedHealthcare, Mutual of Omaha, and Cigna also compete actively in New Jersey. Plan G is the most popular plan, covering all Medicare cost-sharing except the Part B deductible ($283 in 2026). Plan N offers lower premiums in exchange for small copays at doctor visits and emergency rooms.
Compare the Best Medicare Supplement Plans in New Jersey
Our top-rated Medigap carriers in New Jersey, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in Newark. Rates in Jersey City, Trenton, and other regions may vary.
AARP / UnitedHealthcare
Plan G
$162/mo
Plan N
$118/mo
AM Best
A
AARP/UnitedHealthcare dominates the New Jersey Medigap market with a 47.1% share, nearly three times the next largest carrier. Their national scale, strong financial backing, and added member benefits like a 24/7 nurse hotline make them the most trusted choice for New Jersey retirees.
Horizon Blue Cross Blue Shield of NJ
Plan G
$155/mo
Plan N
$112/mo
AM Best
A-
Horizon Blue Cross Blue Shield of New Jersey is the state's largest health insurer and holds 14.7% of the Medigap market. Their deep local roots and strong provider relationships across New Jersey make them a compelling choice for retirees who prefer a familiar local brand over a national carrier.
Mutual of Omaha
Plan G
$158/mo
Plan N
$115/mo
AM Best
A+
Mutual of Omaha brings the highest AM Best rating (A+) in the New Jersey market and a strong track record of rate stability. Their 7% household discount and U.S.-based claims team make them the top pick for New Jersey retirees who prioritize financial strength and service quality over the lowest possible premium.
Aetna
Plan G
$148/mo
Plan N
$107/mo
AM Best
A
Aetna holds 7.4% of the New Jersey Medigap market and offers competitive Plan G pricing at $148/mo in Newark. Their broad plan variety including High-Deductible Plan G makes them a solid choice for New Jersey enrollees who want options beyond the standard Plan G and Plan N.
Cigna
Plan G
$139/mo
Plan N
$105/mo
AM Best
A
Cigna offers the lowest Plan G premium in the Newark market at $139/mo, making them attractive for budget-conscious New Jersey enrollees. Their complaint ratio runs higher than AARP/UHC or Mutual of Omaha. Best for healthy enrollees who want to minimize monthly costs and are comfortable shopping again in a few years.
Medicare Supplement Prices in New Jersey
Sample monthly premiums from top carriers in Newark for a 65-year-old female nonsmoker. Rates in Jersey City, Trenton, and other areas may differ. Premiums shown may include available household discounts.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| Cigna | $139 | $105 | $168 |
| Aetna | $148 | $107 | $175 |
| Horizon BCBS NJ | $155 | $112 | $183 |
| Mutual of Omaha | $158 | $115 | $186 |
| AARP / UnitedHealthcare | $162 | $118 | $191 |
| Humana | $152 | $110 | $179 |
| Wellabe | $145 | $106 | N/A |
| Washington National | $151 | $109 | $177 |
Lowest available in New Jersey (Newark): Plan G from $139/mo | Plan N from $108/mo | Source: FairSquare Medicare, CMS Medicare Plan Finder, May 2026
Plan G vs. Plan N in New Jersey
Plan G and Plan N are the two most popular Medigap plans for new enrollees in New Jersey. Here is how they compare on coverage and cost.
| Coverage Feature | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered* |
| Part A deductible ($1,736 in 2026) | Covered | Covered |
| Part B deductible ($283 in 2026) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Avg. monthly premium (Newark, age 65F) | $142-$195 | $108-$155 |
*Plan N covers Part B coinsurance but requires a copay of up to $20 at doctor visits and up to $50 at emergency rooms (waived if admitted). Part B excess charges are not covered by Plan N, so choose providers who accept Medicare assignment.
New Jersey uses attained-age rating, which means your premium increases every year as you get older. This makes your 6-month Open Enrollment Period at age 65 the most important window to lock in coverage. Horizon BCBS is the dominant local carrier and worth getting a quote from, but national carriers like Mutual of Omaha and AARP/UnitedHealthcare often come in lower. Cigna is cheapest at $142/mo but has a higher complaint ratio than most competitors. New Jersey has no birthday rule or anniversary rule, so once your OEP closes, switching carriers requires passing medical underwriting.
New Jersey Medigap Rules You Should Know
Under-65 Coverage Required
New Jersey law requires Medigap insurers to offer at least one policy to Medicare beneficiaries under age 65, including those who qualify due to disability or end-stage renal disease. This is a stronger protection than most states, where under-65 coverage is optional. Premiums for under-65 enrollees are typically higher than for those who enroll at 65.
All Three Rating Methods Allowed
New Jersey allows carriers to use attained-age, issue-age, or community rating for Medigap premiums. Most carriers in New Jersey use attained-age rating, meaning premiums increase as you get older. Some carriers offer issue-age policies where premiums are locked at your enrollment age. Always ask which rating method a carrier uses before enrolling, as it significantly affects your long-term costs.
No Birthday Rule or Anniversary Rule
New Jersey does not have a birthday rule or anniversary rule. Your guaranteed-issue window is your 6-month Open Enrollment Period when you first enroll in Medicare Part B. After that window closes, insurers can apply medical underwriting and deny coverage or charge higher premiums based on health conditions.
Plans C and F Not Available to New Enrollees
Federal law prohibits new Medicare enrollees (those who turned 65 on or after January 1, 2020) from purchasing Plans C and F. If you were already enrolled in Medicare before 2020, you may still be able to keep or switch to these plans. For new enrollees, Plan G is the most comprehensive option available.
New Jersey DOBI Regulates Medigap
The New Jersey Department of Banking and Insurance (DOBI) oversees all Medigap policies sold in the state. Carriers must file rate changes and receive approval before implementing increases. You can verify carrier licenses and file complaints at dobi.nj.gov or by calling 1-800-446-7467.
Free Counseling via NJ SHIP
New Jersey's State Health Insurance Assistance Program (SHIP) provides free, unbiased Medicare counseling. Call 1-800-792-8820 to speak with a trained counselor who can help you compare plans, understand your rights, and enroll. There is no cost and counselors do not sell insurance.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
Claims-paying ability and long-term stability
Customer Satisfaction
NAIC complaint ratios and member satisfaction surveys
Premium Competitiveness
Plan G and Plan N rates vs. New Jersey market average
Plan Availability
Number of plan types offered in New Jersey
Discounts and Value
Household discounts, EFT discounts, and added benefits
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, CMS Medicare Plan Finder, FairSquare Medicare, NerdWallet
Frequently Asked Questions
Find the Best Medigap Rate in Your New Jersey ZIP Code
New Jersey has a competitive Medigap market with over 30 carriers and Plan G starting at just $139/mo in Newark. Enter your ZIP code to see exact rates from all available carriers in your area. Your Open Enrollment Period is the best time to lock in coverage without medical underwriting.