Seniors in New Jersey
For older adults in New Jersey and the people who help them: the dates that cost money if missed, the scams to know, the year's money figures and Medicare season.
Medicare choices close in 48 days.
Dates that cost money in New Jersey
No dates for New Jersey yet. Medicare's season is below.
Scams to know
Reported most this week (national)
Calls and texts, whole U.S. · FCC · Oct 12–18
- Business loan offers: 360 reports (up 31%)
- Debt relief offers: 227 reports
- Health insurance offers: 204 reports (up 21%)
Source: FCC
Last year in New Jersey
$249.8M lost by people 60 and older, in 4,111 reports. Sixteen states reported more. Source: FBI Internet Crime Report 2025, checked Oct 19, 2026.
Investment or crypto pitch
People 60+ reported losing $3.52B to these in 2025 (FBI)..
How it starts: Cryptocurrency investment scams often start with a direct message or contact through social media platforms, including dating apps.
What to do: Resist pressure to commit quickly. Investments always involve risk. There are no guaranteed returns.
Source: FTC
Tech support or fake renewal
People 60+ reported losing $1.04B to these in 2025 (FBI)..
How it starts: Tech support scams often start with a bogus warning about a problem with your computer. In another type of scheme, scammers send notices about automatic renewals for tech support subscriptions.
What to do: Real security pop-up warnings and messages will never ask you to call a phone number. Not sure if it's a scam? Talk to someone you trust.
Source: FTC
A sweetheart online who needs money
People 60+ reported losing $584M to these in 2025 (FBI)..
How it starts: Romance scammers create fake profiles on dating sites and apps or contact you through popular social media sites like Instagram or Facebook.
What to do: Never send money or gifts to a sweetheart you haven't met in person.
Source: FTC
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Your money this year
- Social Security: +3.6% — About $75 a month more for the average retired worker in 2027. (Social Security Administration, via al.com, Oct 14, 2026)
- Medicare drug costs: $2,400 — The most you'll pay out of pocket for Part D drugs in 2027, up from $2,100. The deductible rises to $700. (The Associated Press, Oct 15, 2026)
- Medicare Part B premium: $202.90 — A month in 2026. The 2027 premium is announced in November. (CMS, Nov 14, 2025)
- Home electricity: 25.2¢ per kWh — New Jersey average, July 2026, down 0.5% from a year before. (U.S. Energy Information Administration, Jul 1, 2026)
Medicare season
Medicare open enrollment: Oct 15, 2026 to Dec 7, 2026, 48 days left.
Next: Medicare Advantage switch window, Jan 1, 2027 to Mar 31, 2027.
What changed this year
- The yearly cap on what you pay out of pocket for Part D drugs rises to $2,400, and the deductible to $700. (The Associated Press)
- New Medicare-negotiated prices take effect in 2027 for 15 drugs, including Ozempic, Rybelsus and Wegovy. (The Associated Press)
- A temporary Part D subsidy program that has helped offset premiums ends at the end of the year. (The Associated Press)
Free, unbiased help
SHIP, State Health Insurance Assistance Program, counsels people on Medicare for free. Call 1-800-792-8820.
We never recommend a plan, and no plan sponsors this.
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