Ranked by math. Plans ranked on yearly cost from official federal and state data · ads and any paid links never change the order · not a broker; we don’t enroll you · how we’re funded →

By YourBest Editorial Team · Updated · How we rank

August 2026 rates · New Jersey official rate guide · Ranked by math

Cheapest Medigap Plan G and Plan N in New Jersey

Plan G from one insurer covers exactly what Plan G from any other covers, so price is the main difference. We rank every insurer in New Jersey’s official rate guide by its yearly premium at 65.

21insurers ranked
$1,774.56lowest yearly Plan G premium at 65
$1,294.92lowest yearly Plan N premium at 65
$1,824gap between the cheapest and priciest Plan G
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What these rates are. Monthly premium at age 65 from each insurer’s preferred rates, in separate female and male charts. The charts don’t show older ages; one insurer prices Newark ZIP codes separately. Source: the New Jersey Division of Aging Services, State Health Insurance Assistance Program (SHIP), September 2026 rates, charts revised August 26, 2026. Rates change during the year and your quote depends on your age, ZIP code, health and when you apply, so treat this as a shortlist and get quotes.

Showing: Female · Newark ZIP codes 07101–07108, 07112, 07114, 07175, 07184, 07188, 07189, 07191–07193, 07195, 07198, 07199.

Only some insurers price these areas differently; everyone else charges the same rate statewide.

Plan G, ranked

Plan G covers everything Medicare-approved except the Part B deductible. What each plan covers.

#InsurerMonthly at 65Yearly at 65
1 Bankers Life (underwritten by Washington National Ins. Co.)Rate class: Female Preferred Rates $147.88 $1,774.56
2 Bankers Fidelity Assurance CompanyRate class: Female Preferred Rates $150.53 $1,806.36
3 Horizon Blue Cross Blue Shield of N.J.Rate class: Female Preferred Rates $179.94 $2,159.28
4 LifeShield National Ins. Co.Rate class: Female Preferred Rates $180.01 $2,160.12
5 Medico Insurance CompanyRate class: Female Preferred Rates $180.36 $2,164.32
6 American Benefit Life Ins. Co.Rate class: Female Preferred Rates $180.63 $2,167.56
7 Healthspring National Insurance Co.Rate class: Female Preferred Rates $186.57 $2,238.84
8 AFLAC Underwritten by Tier One Ins. Co.Rate class: Female Preferred Rates $197.46 $2,369.52
9 United World Life (a Mutual of Omaha Group)Rate class: Female Preferred Rates $198.29 $2,379.48
10 Insurance Company of North AmericaRate class: Female Preferred Rates $198.42 $2,381.04
11 ManhattanLife Ins. & Annuity Co.Rate class: Female Preferred Rates $198.83 $2,385.96
12 Lumos Insurance CompanyRate class: Female Preferred Rates $202.50 $2,430
13 WoodmenLifeRate class: Female Preferred Rates $205.29 $2,463.48
14 Humana Ins. Co. (Value)Rate class: Female Preferred Rates $212.24 $2,546.88
15 Humana Ins. Co. (Achieve)Rate class: Female Preferred Rates $228.26 $2,739.12
16 United AmericanRate class: Female Preferred Rates $245 $2,940
17 Aetna Health Ins. Co.Rate class: Female Preferred Rates $260.98 $3,131.76

Plan N, ranked

Plan N costs less but you pay up to $20 for some office visits, up to $50 for an ER visit that doesn’t lead to admission, and any Part B excess charges. The last column compares each insurer’s Plan N with its own Plan G. Which one comes out ahead.

#InsurerMonthly at 65Yearly at 65vs. same insurer’s Plan G
1 Bankers Life (underwritten by Washington National Ins. Co.)Rate class: Female Preferred Rates $107.91 $1,294.92 $479.64 a year less= 23 office visits at the $20 copay
2 Bankers Fidelity Assurance CompanyRate class: Female Preferred Rates $114.63 $1,375.56 $430.80 a year less= 21 office visits at the $20 copay
3 Healthspring National Insurance Co.Rate class: Female Preferred Rates $118.30 $1,419.60 $819.24 a year less= 40 office visits at the $20 copay
4 Humana Ins. Co. (Value)Rate class: Female Preferred Rates $120.80 $1,449.60 $1,097.28 a year less= 54 office visits at the $20 copay
5 Medico Insurance CompanyRate class: Female Preferred Rates $125.61 $1,507.32 $657 a year less= 32 office visits at the $20 copay
6 AFLAC Underwritten by Tier One Ins. Co.Rate class: Female Preferred Rates $129.82 $1,557.84 $811.68 a year less= 40 office visits at the $20 copay
7 American Benefit Life Ins. Co.Rate class: Female Preferred Rates $129.99 $1,559.88 $607.68 a year less= 30 office visits at the $20 copay
8 LifeShield National Ins. Co.Rate class: Female Preferred Rates $130.64 $1,567.68 $592.44 a year less= 29 office visits at the $20 copay
9 Lumos Insurance CompanyRate class: Female Preferred Rates $133.11 $1,597.32 $832.68 a year less= 41 office visits at the $20 copay
10 Insurance Company of North AmericaRate class: Female Preferred Rates $135.67 $1,628.04 $753 a year less= 37 office visits at the $20 copay
11 United World Life (a Mutual of Omaha Group)Rate class: Female Preferred Rates $138.46 $1,661.52 $717.96 a year less= 35 office visits at the $20 copay
12 Horizon Blue Cross Blue Shield of N.J.Rate class: Female Preferred Rates $141.03 $1,692.36 $466.92 a year less= 23 office visits at the $20 copay
13 WoodmenLifeRate class: Female Preferred Rates $142.03 $1,704.36 $759.12 a year less= 37 office visits at the $20 copay
14 ManhattanLife Ins. & Annuity Co.Rate class: Female Preferred Rates $148.50 $1,782 $603.96 a year less= 30 office visits at the $20 copay
15 Humana Ins. Co. (Achieve)Rate class: Female Preferred Rates $149.94 $1,799.28 $939.84 a year less= 46 office visits at the $20 copay
16 Aetna Health Ins. Co.Rate class: Female Preferred Rates $174.51 $2,094.12 $1,037.64 a year less= 51 office visits at the $20 copay
17 Philadelphia American LifeRate class: Female Preferred Rates $185.52 $2,226.24 No Plan G listed
18 United AmericanRate class: Female Preferred Rates $202 $2,424 $516 a year less= 25 office visits at the $20 copay

High-deductible Plan G

Same benefits as Plan G after you pay a yearly deductible ($2,950 in 2026), so it isn’t ranked against standard plans. A low premium here means you carry more of the risk yourself.

#InsurerMonthly at 65Yearly at 65
1 Bankers Fidelity Assurance CompanyRate class: Female Preferred Rates $49.81 $597.72
2 Humana Ins. Co. (Value)Rate class: Female Preferred Rates $50.42 $605.04
3 Bankers Life (underwritten by Washington National Ins. Co.)Rate class: Female Preferred Rates $50.65 $607.80
4 United World Life (a Mutual of Omaha Group)Rate class: Female Preferred Rates $50.87 $610.44
5 Philadelphia American LifeRate class: Female Preferred Rates $51.77 $621.24
6 Healthspring National Insurance Co.Rate class: Female Preferred Rates $53.38 $640.56
7 Humana Ins. Co. (Achieve)Rate class: Female Preferred Rates $57.42 $689.04
8 Medico Insurance CompanyRate class: Female Preferred Rates $62.23 $746.76
9 Insurance Company of North AmericaRate class: Female Preferred Rates $68.42 $821.04
10 WoodmenLifeRate class: Female Preferred Rates $70.03 $840.36
11 Lumos Insurance CompanyRate class: Female Preferred Rates $70.92 $851.04
12 United AmericanRate class: Female Preferred Rates $78 $936

Plans with membership or eligibility limits

These plans appear in the New Jersey guide but aren’t open to every resident (for example, AARP plans require AARP membership) or are Medicare SELECT plans with a provider network, so we list them as published instead of ranking them.

InsurerPlanPremiums as publishedWhy not ranked
AARP insured by United Healthcare Ins. Co. of AmericaRate class: Female Preferred Rates G age 65: $209.91Monthly premium AARP membership
AARP insured by United Healthcare Ins. Co. of AmericaRate class: Female Preferred Rates N age 65: $142.92Monthly premium AARP membership
AARP, Insured by United Healthcare (with Wellness Extras)Rate class: Female Preferred Rates G age 65: $212.08Monthly premium AARP membership
AARP, Insured by United Healthcare (with Wellness Extras)Rate class: Female Preferred Rates N age 65: $181.36Monthly premium AARP membership
AARP Insured by United Healthcare Ins. Co. of AmericaRate class: Male Preferred Rates G age 65: $237.23Monthly premium AARP membership
AARP Insured by United Healthcare Ins. Co. of AmericaRate class: Male Preferred Rates N age 65: $128.53Monthly premium AARP membership
AARP, Insured by Unitedhealthcare (with Wellness Extras)Rate class: Male Preferred Rates G age 65: $243.92Monthly premium AARP membership
AARP, Insured by Unitedhealthcare (with Wellness Extras)Rate class: Male Preferred Rates N age 65: $186.80Monthly premium AARP membership

How we rank

We take each insurer’s premium for Plan G and Plan N at 65 straight from New Jersey’s official guide and multiply monthly premiums by 12 to get the yearly cost. Each insurer appears once, at its best published rate class that isn’t a tobacco rate. Lower ranks higher; ties go to the lower premium at 75 where the guide shows it, then the insurer’s name. We don’t estimate, round or adjust any premium. Full methodology.

The cheapest policy at 65 isn’t always the cheapest later. An attained-age policy goes up as you get older, an issue-age policy is priced on your age when you buy, and a community-rated policy charges everyone the same. How the three methods compare.

Before you buy: get a written quote from the insurer, ask how its rates have risen, and check Medicare.gov’s Medigap policy search. Your State Health Insurance Assistance Program gives free, unbiased help. Buying during your Medigap Open Enrollment Period means insurers can’t turn you down or charge more for health problems.

Questions

What is the cheapest Medigap Plan G in New Jersey?

In the rate guide from the New Jersey Division of Aging Services, State Health Insurance Assistance Program (SHIP) (September 2026 rates, charts revised August 26, 2026), the lowest Plan G premium at 65 from an insurer open to all applicants is: Female · Newark ZIP codes 07101–07108, 07112, 07114, 07175, 07184, 07188, 07189, 07191–07193, 07195, 07198, 07199: Bankers Life (underwritten by Washington National Ins. Co.), $1,774.56 a year ($147.88 a month); Female · All other New Jersey ZIP codes: Bankers Life (underwritten by Washington National Ins. Co.), $1,774.56 a year ($147.88 a month); Male · Newark ZIP codes 07101–07108, 07112, 07114, 07175, 07184, 07188, 07189, 07191–07193, 07195, 07198, 07199: Bankers Life (underwritten by Washington National Ins. Co.), $1,971.72 a year ($164.31 a month); Male · All other New Jersey ZIP codes: Bankers Life (underwritten by Washington National Ins. Co.), $1,971.72 a year ($164.31 a month). Your own quote depends on your age, ZIP code, health and the date you apply.

What is the cheapest Medigap Plan N in New Jersey?

Female · Newark ZIP codes 07101–07108, 07112, 07114, 07175, 07184, 07188, 07189, 07191–07193, 07195, 07198, 07199: Bankers Life (underwritten by Washington National Ins. Co.), $1,294.92 a year ($107.91 a month); Female · All other New Jersey ZIP codes: Bankers Life (underwritten by Washington National Ins. Co.), $1,294.92 a year ($107.91 a month); Male · Newark ZIP codes 07101–07108, 07112, 07114, 07175, 07184, 07188, 07189, 07191–07193, 07195, 07198, 07199: Bankers Life (underwritten by Washington National Ins. Co.), $1,438.80 a year ($119.90 a month); Male · All other New Jersey ZIP codes: Bankers Life (underwritten by Washington National Ins. Co.), $1,438.80 a year ($119.90 a month). Plan N has copays of up to $20 for some office visits and up to $50 for emergency room visits and doesn’t cover Part B excess charges, which is why it usually costs less than Plan G.

How much do Plan G premiums vary between insurers in New Jersey?

Plan G benefits are the same from every insurer, but in this guide the yearly premium at 65 runs from $1,774.56 to $3,598.56. Insurers also price future increases differently (attained-age, issue-age or community-rated), so compare the older-age premiums too where they’re shown.

Where do these New Jersey Medigap rates come from?

From the New Jersey Division of Aging Services, State Health Insurance Assistance Program (SHIP): “New Jersey Medicare Supplement Policies (Medigap) Monthly Premium at Age 65, Female and Male Preferred Rates, September 2026” (September 2026 rates, charts revised August 26, 2026). We copy the premiums exactly as published and rank them; we don’t estimate or adjust them. Monthly premium at age 65 from each insurer’s preferred rates, in separate female and male charts. The charts don’t show older ages; one insurer prices Newark ZIP codes separately.

Sources

Rates exactly as published by the state (September 2026 rates, charts revised August 26, 2026).

  1. New Jersey Division of Aging Services, State Health Insurance Assistance Program (SHIP), “New Jersey Medicare Supplement Policies (Medigap) Monthly Premium at Age 65, Female and Male Preferred Rates, September 2026” (September 2026 rates, charts revised August 26, 2026) — nj.gov.
  2. CMS and NAIC, “Choosing a Medigap Policy” (CMS Product No. 02110, March 2026) — medicare.gov.
  3. Medicare.gov, “Compare Medigap plan benefits” (2026 high-deductible amount) — medicare.gov.

Educational information, not a recommendation to buy any policy. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Insurers don’t pay to be listed or ranked. · Advertiser disclosure

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