The questions people in South Jersey and across New Jersey ask first, answered in the first sentence, with the published figure, its source and the date we last checked it.
What Medicare costs in 2026: premiums, deductibles and penalties, with the published figure behind each one.
The standard Medicare Part B premium is $202.90 a month in 2026, the same in New Jersey as everywhere else in the country, and the annual Part B deductible is $283.
Checked October 20, 2026 · 3 sources: CMS, NJ Division of Aging Services
The Part D late enrollment penalty in 2026 is 1% of the $38.99 national base beneficiary premium for every full month you went without creditable drug coverage, about $4.70 a month for each year late, added to your premium for as long as you have Part D.
Checked October 20, 2026 · 4 sources: CMS
When the windows open for 2027, how long you have, what you can change after January 1, and how Medigap works in New Jersey.
Medicare open enrollment for 2027 coverage runs from October 15 to December 7, 2026, in New Jersey and nationwide, and any change you make starts on January 1, 2027.
Checked October 20, 2026 · 4 sources: CMS
Yes, once: if you are in a Medicare Advantage plan on January 1, 2027, you can make one change between January 1 and March 31, 2027, either to another Medicare Advantage plan or back to Original Medicare with a Part D plan.
Checked October 20, 2026 · 4 sources: CMS
In New Jersey you can buy any Medigap plan without health questions during your 6-month Medigap Open Enrollment Period, which starts the month you are 65 or older and enrolled in Part B; New Jersey also requires insurers to offer Medigap Plan D to people under 65 on Medicare because of a disability who apply within 12 months of starting Part B.
Checked October 20, 2026 · 6 sources: NJ DOBI, CMS
Straight numbers from the CMS 2027 plan files for Camden County, including Cherry Hill, Voorhees, Haddonfield and Collingswood.
24 of the 41 Medicare Advantage plans in Camden County, New Jersey have a $0 monthly plan premium for 2027, and 17 of those 24 include Part D drug coverage.
Checked October 20, 2026 · 4 sources: CMS
In-network out-of-pocket maximums (MOOP) on Camden County, New Jersey Medicare Advantage plans range from $4,150 to $9,850 for 2027, with an average of $8,861 across the 41 plans in the CMS 2027 landscape, up from $8,003 in 2026.
Checked October 20, 2026 · 3 sources: CMS
What common brand-name drugs cost under Medicare Part D, from New Jersey CMS data, how the yearly cap protects you, and where PAAD and Senior Gold fit.
Medicare's negotiated price for a 30-day supply of Eliquis is $231 in 2026, which works out to about $1,154 for the year under the standard Part D design if Eliquis is your only drug, and New Jersey Part D members paid an average of $44.96 per 30-day fill in 2024.
Checked October 20, 2026 · 12 sources: CMS, FDA, Bristol Myers Squibb, NJ Division of Aging Services
Jardiance has a Medicare negotiated price of $197 for a 30-day supply in 2026, which comes to about $1,052 for the year under the standard Part D design if it is your only drug, and New Jersey Part D members paid an average of $31.71 per 30-day fill in 2024.
Checked October 20, 2026 · 10 sources: CMS, FDA, NJ Division of Aging Services
Xarelto has a Medicare negotiated price of $197 for a 30-day supply through December 31, 2026, but CMS removes it from the negotiation program on January 1, 2027, after FDA approved generic rivaroxaban; New Jersey Part D members paid an average of $48.26 per 30-day fill in 2024.
Checked October 20, 2026 · 10 sources: CMS, FDA, Janssen Pharmaceuticals, NJ Division of Aging Services
Farxiga carries a Medicare negotiated price of $178.50 for a 30-day supply in 2026, about $997 for the year under the standard Part D design if it is your only drug, and FDA approved the first generic dapagliflozin tablets in April 2026; New Jersey Part D members paid an average of $30.12 per 30-day fill in 2024.
Checked October 20, 2026 · 11 sources: CMS, FDA, AstraZeneca, NJ Division of Aging Services
Entresto has a Medicare negotiated price of $295 for a 30-day supply in 2026, about $1,346 for the year under the standard Part D design, but CMS takes it out of the negotiation program on January 1, 2027, after FDA approved generic sacubitril and valsartan; New Jersey Part D members paid an average of $40.32 per 30-day fill in 2024.
Checked October 20, 2026 · 12 sources: CMS, FDA, NJ Division of Aging Services
Ozempic has no Medicare negotiated price in 2026, so a full year at New Jersey's 2024 gross cost of $907.11 per fill would reach the $2,100 Part D cap by August under the standard design; from January 1, 2027 a negotiated price of $274 for 30 days applies, about $1,347 for the year.
Checked October 20, 2026 · 11 sources: CMS, FDA, Novo Nordisk, NJ Division of Aging Services
With Medicare, each covered insulin product costs no more than $35 for a one-month supply, under Part D or Part B, with no deductible, and New Jersey Part D members using Lantus SoloStar paid an average of $11.03 per 30-day fill in 2024.
Checked October 20, 2026 · 9 sources: CMS, FDA, Novo Nordisk, NJ Division of Aging Services
Every page on this list follows the same four rules, so you can trust the number in its first sentence:
Each answer is reviewed by Jackie Layser, the licensed Medicare insurance agent behind Garden State Medicare Solutions. If something looks out of date, call (856) 727-4221 and we will check it.
From CMS, Medicare.gov, the Social Security Administration, New Jersey state agencies and the CMS 2027 plan files for New Jersey counties. Each page lists its sources and the date we last checked them.
Partly. The drug pages use CMS Part D data alongside national Medicare negotiated prices. What you pay depends on your plan's deductible and tier, and covered Part D costs are capped at $2,100 in 2026 and $2,400 on 2027 plans.
Yes. Call (856) 727-4221 or send a message through the contact page. Jackie Layser offers no-cost Medicare reviews by phone, Zoom or in person across New Jersey.
Tell Jackie about your current situation. Telephone, Zoom or in person, at no cost to you. Call or text (856) 727-4221.
Serving South Jersey and all of New Jersey · (856) 727-4221
Content reviewed by Jackie Layser, Licensed Medicare Insurance Agent at Garden State Medicare Solutions, New Jersey, helping Medicare clients since 2008. How we source and review our content. Last updated .
