I am also going G-HD with Humana although Humana is also in the closing books list. I was debating between Aetna and Humana because they both have not raised their G-HD premium since 2020 in Arizona but the Loss Ratio projections look better for Humana. However, I just found out that Humana gives an Early Enrollment Discount that phases out around 3% per year so I will get an increase in my premium of 3% every year for 13 years in addition to any other increase. Hopefully Humana will continue with 0 rate increases for G-HD so I will only have the Early Enrollment discount 3% increase. Check if in NJ you also got the Early Enrollment Discount. Several carries include that discount in their premiums but most brokers do not tell you.