A multi-layer reactively loaded isolated magnetic (IMD) dipole with improved bandwidth and efficiency characteristics to be used in wireless communications and other applicable systems. The multi-layer IMD antenna comprises a first element positioned above a ground plane, a second element positioned above a ground plane and coupled to the first portion. Reactive components are integrated into one or both elements to optimize the frequency response of the antenna. The range of frequencies covered to be determined by the shape, size, and number of elements in the physical configuration of the components. Portions of or the entire ground plane can be removed beneath the elements.