Typical Medigap Premiums: What Current Policyholders Pay vs. What a New Enrollee Is Quoted

The policyholder average runs higher partly because many enrollees are older and many hold Plan F, the most expensive common plan. A quote at 65 is the starting point; most policies then rise with age, inflation or both, depending on the rating method.

New Jersey’s State Health Insurance Assistance Program publishes monthly Medigap rates for every company selling in the state. We used the chart for women at age 65, preferred rates, revised April 1, 2026, and summarized each plan letter.

Our calculations from New Jersey’s Medigap rate chart (female, age 65, preferred), revised April 1, 2026. One insurer prices two ZIP code groups separately, and each is counted. Rates differ for men, other ages and other states.

The Plan A finding is a reminder that a plan letter’s benefits do not set its price. Insurers price each plan based on who buys it, and a thinly sold plan can end up costing more than a fuller one.

KFF, Key Facts About Medigap Enrollment and Premiums, October 2026. Consumer prices rose 24% over the same period.

The all-plan average rose more slowly than Plan G or Plan F alone because enrollment shifted from F to G over the period. KFF found Plan G held 46% of Medigap policyholders in 2025, while Plan N held about 10%.

KFF’s state averages show how much location alone matters: Plan G averaged $164 in New Mexico and $257 in New York in 2025.

A premium is only part of the yearly bill. Using the New Jersey medians and Medicare’s projected 2027 Part B figures, here is a typical starting-year budget before drug coverage.

Our calculations: median monthly rate x 12; Part B premium of $209.50 a month projected for 2027. Excludes Part D and any income-related Part B surcharge.

For a deeper look at the copay plan, see our Plan N cost per month guide.

New Jersey shoppers can also start with our New Jersey Medicare Supplement plans page.