New Jersey Medigap Rates for Identical Plan G Coverage Run $147.88 to $260.98 a Month, Filed-Rate Review Finds

New Jersey Medigap rates differ by $113 a month across 18 carriers selling the same federally standardized Plan G benefits, according to a July 2026 review of filed rates by Cherry Hill brokerage EasyKind Medicare.
Cherry Hill, NJ - August 15, 2026 - New Jersey Medigap rates for Plan G currently span $147.88 to $260.98 a month for a 65-year-old, a $113 monthly difference for coverage whose benefits are identical by federal law, according to filed-rate data reviewed in July 2026 by EasyKind Medicare, an independent brokerage in Cherry Hill. Eighteen carriers file Plan G rates in the state. Every one of them must pay the same benefits.

The plan letter is the product. A Plan G bought from the most expensive carrier in New Jersey covers exactly what a Plan G from the least expensive carrier covers, because the federal government standardized Medigap benefits by letter. What remains different is price and service. Plan N shows the same pattern: 19 carriers, with filed rates running $106.57 to $208.53 a month.

Rate pressure is building inside individual carrier blocks. Humana's New Jersey Medigap business filed a 7.01% increase effective June 2024, then a 16.22% increase effective August 2025. State filings show why: the block's loss ratio has climbed every year since 2020 and crossed 100% in 2025, meaning it paid out slightly more in claims than it collected in premiums. Policyholders in blocks like these are opening rate-increase notices this year.

A policyholder facing an increase is not locked in. Because benefits are standardized by letter, a New Jersey resident can apply to move the same plan letter to a lower-priced carrier at any time of year, though applications outside protected enrollment windows generally involve medical underwriting. New enrollees hold the strongest position: New Jersey's six-month Medigap open enrollment period, which begins with Part B enrollment, guarantees acceptance regardless of health history.

The figures come from CSG Actuarial filed-rate data as of July 12, 2026, sampled for a 65-year-old non-tobacco applicant in ZIP 08002. Full rate tables, updated monthly, are published at medicareyourself.com/medicare-supplement/new-jersey/rate-index. EasyKind Medicare reviews the spread with New Jersey residents by phone at no charge; broker compensation comes from carriers and does not change the filed rate a consumer pays.

About EasyKind Medicare

EasyKind Medicare is an independent Medicare insurance brokerage based in Cherry Hill, New Jersey, and licensed in 35 states. Led by broker Anthony Orner (NPN 20586791), the firm publishes filed-rate data for Medicare Supplement plans and helps consumers compare Medicare Advantage, Medicare Supplement, and Part D prescription drug plans across carriers. Reach EasyKind Medicare at 855-559-1700 or medicareyourself.com.

Contact

Anthony Orner

EasyKind Medicare

1309 Route 70 West, Cherry Hill, NJ 08002

855-559-1700

www.medicareyourself.com

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