Medicare Supplement Plans (Medigap) Cost: 2026 Plan Year

At 65, you're looking at around $189 monthly for Medigap on average. By 75, that's jumped to $238, almost $600 more per year just from getting older. Here's what we discovered when we looked at different plans: high-deductible options start at $61 monthly, but you'll shell out $2,870 before coverage begins. Plan G costs about $220 per month and picks up most of what Medicare doesn't pay. What you'll actually pay comes down to your location and insurer, rates for identical coverage can differ by hundreds of dollars between companies.

Costs shown represent national average monthly premiums based on MoneyGeek's analysis of Medigap plans. Your actual premium may vary based on your location, insurance company, rating method and health status. Plans C and F are only available to those who became eligible for Medicare before January 1, 2020.

Where you live makes a massive difference in what you'll pay for Medigap. We've checked prices in every single state and Washington, D.C., and found premiums vary by more than $190 monthly for the same coverage. New York leads at $354 per month for both ages, while South Carolina and New Mexico offer the lowest rates at $160 for 65-year-olds. Some states, like Massachusetts and Washington, keep prices flat regardless of age, but most states charge more as you get older. Take a look at your state below and you might save hundreds by comparing insurers in your area.

Costs shown represent average monthly premiums based on MoneyGeek's analysis of Medigap plans in each state. Some states regulate pricing methods, which affects how premiums increase with age.

Medicare costs get confusing when you're trying to figure out your budget. You want to know exactly what you'll pay each month. Medigap adds monthly expenses on top of what you already pay for Medicare, but knowing these costs upfront helps you pick the right plan and avoid surprises. 

The amounts shown reflect current Medicare standards and are subject to annual adjustments. The information provided is for educational purposes only and should not replace personalized advice from a licensed insurance professional.

Nobody wants to overpay for Medigap. A little homework up front can save you serious money each year without giving up coverage you need. Shopping during open enrollment through the marketplace, so that no insurance company can deny you or ask about discounts that can lower your costs. Let’s look at some of these options in detail:

Medicare Supplement costs start around $189 monthly at 65 and climb as you age. Your location, tobacco use and chosen insurance company all affect your premium. Beyond monthly payments, budget for the $257 Part B deductible plus any plan-specific copays. Smart shopping makes a difference: comparing insurers during your Open Enrollment Period can cut your monthly costs by $50 to $100 for the same coverage.

We've answered the most frequently asked questions about Medicare Supplement plan costs to help you budget for coverage:

Medicare Supplement (Medigap) costs change as you age, so we collected quotes for beneficiaries at age 65 and age 75 to show you how premiums increase over time and help you budget for coverage throughout retirement.   

Our Research Approach 

We gathered 16,954 quotes from Medicare.gov, covering all available Medigap plan types in each state. This dataset shows what standardized Medicare Supplement plans actually cost across the country for the 2026 plan year, giving you realistic pricing expectations whether you're newly eligible or already enrolled. 

Why We Analyzed Two Age Groups 
Your age directly affects Medigap premiums. Most insurers use attained-age pricing, meaning your premium increases as you get older. By comparing costs at age 65 (when most people first enroll) and age 75 (a decade into retirement), you can see how your budget needs will change over time. This helps you choose plans you can afford now and in the future. 

Plan Types Covered 
We analyzed all standardized Medigap plans available in each state:   

• Plan A – Basic coverage
• Plan B – Includes Part A deductible
• Plan C – No longer sold to new enrollees (legacy plans only)
• Plan D – Part A deductible plus some skilled nursing
• Plan F – Most comprehensive (legacy plans only)
• Plan G – Most popular current option
• Plan K – Lower premiums with cost-sharing
• Plan L – Moderate premiums with partial cost-sharing
• Plan M – Part A deductible cost-sharing
• Plan N – Lower premiums with copay

State-Specific Plan Systems 
Massachusetts, Minnesota and Wisconsin don't use the standard plan letters. These states created their own unique plan names and benefit structures before federal standardization. If you live in one of these states, you'll see different plan options than the lettered plans available elsewhere. 

What the Numbers Mean for You 
Medigap plans with the same letter offer identical benefits regardless of which insurer sells them. Plan G from one insurer covers the exact same expenses as Plan G from another. The only difference is price, which makes comparing costs straightforward once you decide which coverage level fits your needs.