Medicare Supplement Insurance (Medigap) helps New Jersey seniors and eligible disabled residents pay for healthcare costs not fully covered by Original Medicare, such as deductibles, copayments, and coinsurance. New Jersey residents may choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to people who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in New Jersey
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 171,779 |
| 2 | G | 142,572 |
| 3 | N | 90,037 |
Did you know? New Jersey has one of the highest enrollments in Plan N nationwide, with more than 90,000 beneficiaries choosing it. This makes the Garden State unusual compared to most states, where Plan N remains a distant third behind Plan F and Plan G.
How Medigap Pricing Works in New Jersey
Premiums for Medigap coverage vary based on the pricing method insurers use. In New Jersey, most plans follow one of three rating systems:
- Attained-age rated – Premiums increase as you age (the most common method in New Jersey).
- Issue-age rated – Premiums are based on your age at purchase and may rise with inflation, not age.
- Community rated – Everyone pays the same premium, regardless of age.
Under-65 Eligibility in New Jersey
New Jersey has some of the strongest consumer protections in the country for disabled Medicare beneficiaries. Insurers must offer at least one Medigap plan to individuals under 65 who qualify due to disability or end-stage renal disease (ESRD). Additionally, beneficiaries aged 50 or older with a disability or ESRD have guaranteed issue rights for Plan C without medical underwriting. Insurers are prohibited from charging under-65 policyholders more than the lowest advertised senior premium, although rates may vary among non-seniors.
Choosing a Medigap Plan in New Jersey
Plan F continues to have the largest enrollment in New Jersey, but Plan G is growing rapidly and is the go-to option for new beneficiaries. Plan N is unusually strong here, reflecting its appeal to cost-conscious residents. Every Medigap plan works nationwide with providers who accept Medicare, ensuring reliable coverage whether you receive care in Newark, Jersey City, or elsewhere in the U.S.
To explore premiums and compare Medigap plans in your ZIP code, visit our Medigap rate comparison page.