New Jersey Medigap Plans
Medicare Supplement Plans in New Jersey - 2026 Rates, Rules & Carrier Options
Medicare Enrollees
1.6 million
Avg Plan G Premium
$180–$280/month
Guaranteed Issue
Year-round (all plans)
Rating Method
Community rated
Medigap in New Jersey
New Jersey has some of the strongest Medigap consumer protections in the country. The state requires guaranteed issue for all Medigap plans, meaning insurers cannot deny coverage or charge higher premiums based on health status. New Jersey also uses community rating, so all enrollees pay the same premium regardless of age. While this means premiums tend to be higher than in most states, it also means anyone can get coverage at any time.
Open Enrollment in New Jersey
New Jersey has guaranteed issue rights for Medigap plans - insurers cannot deny coverage or charge higher premiums based on health status.
New Jersey Medigap Rules
- New Jersey requires guaranteed issue for all Medigap plans - no medical underwriting
- Community rating required - all enrollees pay the same premium regardless of age or health
- Premiums tend to be higher than most states due to guaranteed issue requirements
- Continuous open enrollment period
Top Carriers in New Jersey
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