Updated: August 18, 2026
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At age 65, Medicare Supplement plans cost an average of $189 per month, though premiums vary by plan type. Average costs range from $110 per month for Plan K to $294 for Plan C. Plan G, the most popular option for new enrollees, averages $220 per month at age 65.
A higher premium doesn't always mean better coverage. Plan A, which offers only basic benefits, costs more than Plan G at some insurers, even though Plan G covers nearly everything Medicare doesn't pay.
Covers basic benefits including Part A coinsurance and hospital costs | $213 | $266 | |
Includes Plan A benefits plus Part A deductible coverage | $257 | $324 | |
Offers comprehensive coverage including Part B deductible and foreign travel emergency care | $294 | $381 | |
Provides Plan A benefits plus Part A deductible and foreign travel emergency care | $225 | $306 | |
Most comprehensive coverage including all deductibles and coinsurance | $271 | $342 | |
Nearly identical to Plan F but doesn't cover the Part B deductible | $220 | $279 | |
Covers 50% of most costs with lower premiums and an annual out-of-pocket limit | $110 | $139 | |
Covers 75% of most costs with an annual out-of-pocket limit | $179 | $226 | |
Covers 50% of Part A deductible and includes foreign travel emergency care | $185 | $239 | |
Requires copays for office and emergency room visits but offers lower premiums | $171 | $221 |
Get your real quotes from trusted insurance providers.
* Costs shown represent national average monthly premiums based on MoneyGeek's analysis of Medigap plans. Your actual premium will vary based on your location, insurance company, rating method and health status. Plans C and F are only available to people who became eligible for Medicare before January 1, 2020.
Your monthly premium is only part of what you pay for health care. To understand the value of Medigap, it helps to compare your total costs with and without coverage. Consider a 14-day hospital stay with $4,000 in Medicare-approved Part B medical expenses, such as physician services.
Plan G reduces your out-of-pocket costs from $2,762 to $283, saving $2,479 on the hospital stay alone. Whether those savings justify the monthly premium depends on how often you need care, but Medigap can reduce your financial exposure when larger medical expenses arise.
Where you live is one of the largest factors influencing Medicare Supplement costs. We checked Medigap rates in all 50 states and found that New York is the most expensive at an average of $483 per month for Plan G at age 65, while South Carolina is the cheapest at $169. That's a difference of $314 per month or $3,768 per year for identical coverage.
Several states, including New York, Connecticut, Massachusetts, Minnesota and Washington, use community or issue-age pricing, so premiums don't increase with age. Most states use attained-age pricing, where your rate rises each year.
$209 | $133 | $545 | |
$200 | $137 | $346 | |
$231 | $161 | $438 | |
$216 | $168 | $367 | |
$222 | $166 | $307 | |
$218 | $163 | $445 | |
$344 | $246 | $462 | |
$203 | $161 | $354 | |
$359 | $263 | $475 | |
$222 | $162 | $348 | |
$194 | $134 | $319 | |
$240 | $201 | $278 | |
$217 | $144 | $408 | |
$189 | $142 | $366 | |
$191 | $128 | $355 | |
$199 | $141 | $376 | |
$208 | $148 | $391 | |
$209 | $149 | $535 | |
$291 | $235 | $425 | |
$239 | $171 | $430 | |
$235 | $212 | $270 | |
$213 | $125 | $429 | |
$250 | $182 | $319 | |
$183 | $123 | $369 | |
$257 | $201 | $381 | |
$198 | $129 | $366 | |
$209 | $152 | $597 | |
$223 | $160 | $377 | |
$241 | $180 | $322 | |
$201 | $160 | $339 | |
$171 | $122 | $346 | |
$483 | $325 | $773 | |
$174 | $125 | $302 | |
$187 | $127 | $287 | |
$185 | $142 | $364 | |
$193 | $136 | $367 | |
$239 | $185 | $374 | |
$229 | $159 | $531 | |
$205 | $148 | $337 | |
$169 | $96 | $356 | |
$206 | $145 | $422 | |
$181 | $121 | $349 | |
$202 | $137 | $438 | |
$199 | $121 | $372 | |
$271 | $190 | $395 | |
$189 | $138 | $350 | |
$269 | $206 | $466 | |
$186 | $132 | $371 | |
$211 | $145 | $415 | |
$216 | $152 | $397 | |
* Costs shown represent average monthly premiums for 65-year-olds with Plan G, based on MoneyGeek’s analysis of Medigap plans in each state. Massachusetts, Minnesota and Wyoming don't offer Plan G. For these states, average rates reflect Supplement 1A in Massachusetts and the Medigap Basic Plan in Minnesota and Wyoming.
Every Medigap plan covers four core benefits: Medicare Part B coinsurance, the first three pints of blood, Part A hospice care coinsurance and Part A hospital coinsurance for up to 365 additional days after Medicare benefits are exhausted. The lettered plans differ in which additional out-of-pocket costs they cover beyond these core benefits.
Your monthly Medigap premium goes directly to your private insurance company and covers the gaps in Original Medicare. This premium stays separate from your Medicare Part B premium, which you continue paying to the federal government. Medigap acts as secondary insurance, coordinating with Medicare to cover costs that Original Medicare doesn't fully pay.
Insurance companies calculate your premium using one of three pricing methods:
If you're enrolling at 65 and plan to keep your policy long-term, ask each insurer which pricing method it uses before you compare quotes.
The Medicare Part B deductible is $283 for 2026. You pay this amount each year before Original Medicare coverage begins. Most Medigap plans don't cover this deductible, but Plan C and Plan F do cover it. You can only purchase these plans if you qualify for Medicare before Jan. 1, 2020.
High-deductible Plan G requires you to pay $2,950 in Medicare-covered out-of-pocket costs in 2026 before the plan begins paying benefits. The deductible can be met through costs the plan would otherwise cover, such as Medicare Part A and Part B deductibles, coinsurance and copayments. Once you reach the $2,950 threshold, the plan covers 100% of eligible Medigap benefits for the rest of the calendar year.
In some cases, you'll have additional costs beyond premiums and deductibles:
Your Medigap premium isn't random. Insurance companies weigh several factors when calculating your monthly rate:
Nobody wants to overpay for Medigap. A little research upfront can save you money each year and keep the coverage you need. Shopping during your Open Enrollment Period gives you the most plan options and the lowest guaranteed rates. No insurer can deny you coverage or charge more based on your health during this window.
Your six-month Medigap Open Enrollment Period starts when you turn 65 and enroll in Medicare Part B. Insurance companies can't reject you or charge more based on your health during this window. Miss it and insurers can look at your medical history, charge you more or turn you down entirely. If you're retiring early, you'll need health insurance coverage before you turn 65 since you can't enroll in Medicare yet.
Medigap plans work the same way no matter who sells them. Plan G from State Farm covers the exact same services as Plan G from Mutual of Omaha. Yet premiums can differ by $50 to $100 a month between companies. Get quotes from at least three insurers before you buy. Comparing insurers is the single highest-impact step you can take. Most people who overpay for Medigap never shopped around during enrollment.
High-deductible Plan G costs $61 per month at age 65, $160 less than standard Plan G for a savings of $1,920 per year in premiums. In exchange for the lower premium, you pay up to $2,950 in Medicare-covered costs before the plan begins paying benefits.
Whether you save overall depends on how much care you use. If your out-of-pocket costs remain low, the premium savings can make high-deductible Plan G more affordable. If you expect frequent or costly medical care, standard Plan G is the better value because it limits your out-of-pocket expenses.
Your health needs change. Your budget changes. Look at your Medigap coverage each year during the Medicare Annual Enrollment Period to make sure it still works for you. You can switch plans anytime, though insurers can check your health if you're outside your initial enrollment period.
Many insurers offer discounts that cut your monthly premium. Common discounts include household discounts for couples, automatic payment discounts, nontobacco discounts and prior insurance discounts. Ask your insurer which discounts you qualify for.
Attained-age-rated plans start with lower premiums but become more expensive as you age. Issue-age-rated and community-rated plans don't increase premiums because of your age, though rates can still rise due to inflation, claims costs and other factors.
Over 10 to 15 years, these pricing differences can add up to thousands of dollars. Before choosing a Medigap policy, find out whether the insurer uses attained-age, issue-age or community rating so you can consider both today's premium and how your costs may change over time.
Many insurers cut your monthly premium when you qualify for discounts:
One of the most important things to know about Medigap is that benefits are standardized by plan letter. Plan G offers the same core benefits regardless of which insurer sells it, but premiums can differ by $100 or more per month for the same coverage. Where you live, the insurer you choose, your age and when you enroll can all affect what you pay.
Compare quotes from at least three insurers during your Medigap Open Enrollment Period and ask how each company sets its rates. A careful comparison at age 65 could save you thousands of dollars over the years you keep your coverage.
Your premiums can increase annually due to inflation and rising health care costs, regardless of pricing method. Attained-age-rated policies also increase on your birthday each year. Community-rated and issue-age-rated plans don't increase based on age but still adjust for inflation and claims experience. Annual increases run in the low single digits for inflation adjustments, though attained-age policies add an age-based increase on top of that.
High-deductible Plan G has the lowest average premium at $61 per month but requires up to $2,950 in out-of-pocket costs before coverage begins. Plan K averages $110 but covers only 50% of many costs.
Before choosing a lower-premium plan, compare the annual premium savings with what you expect to spend out of pocket. If you use relatively little medical care, high-deductible Plan G may cost less overall. If you expect frequent or costly care, standard Plan G or Plan N may provide better value despite the higher monthly premium.
You can switch Medigap plans anytime, but insurers may check your health and charge more or deny coverage outside your initial enrollment period. Comparing plans can save $50 to $100 a month on identical coverage.
Several states offer additional enrollment rights beyond the initial Open Enrollment Period. In states with year-round guaranteed issue rules, you can switch plans anytime without health underwriting. Contact your State Health Insurance Assistance Program (SHIP) to find out which protections apply in your state before you switch.
Medigap doesn't cover prescription drugs, dental care, vision services, hearing aids or long-term care. You'll need a separate Part D plan for prescriptions, which runs $20 to $80 a month. Foreign travel emergency coverage caps at $50,000 lifetime and requires a $250 deductible. Medicare Advantage plans often bundle these benefits for enrollees who want an all-in-one approach.
High-deductible Plan G saves you $1,908 annually in premiums compared to standard Plan G ($61 versus $220 a month at age 65). You come out ahead when your annual health care costs stay under $4,858.
Plan G is the most popular current option for new Medicare enrollees. It covers nearly everything Medicare doesn't pay except the $283 Part B deductible. The average premium is $220 a month at age 65. Plan N is the second most common choice at $171 a month and suits people who rarely visit specialists or the ER. Plan F was historically the most common plan, but it's no longer available to beneficiaries who became eligible for Medicare on or after Jan. 1, 2020.
MoneyGeek collected quotes for beneficiaries at age 65 and age 75. The two age points show how premiums increase over time and how much to budget for coverage throughout retirement.
Our Research Approach
We gathered 16,954 quotes from Medicare.gov across 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. The figures give you realistic pricing expectations, whether you're newly eligible or already enrolled. We collected quotes in November 2025. They reflect 2026 plan year pricing.
Why We Analyzed Two Age Groups
Your age directly affects Medigap premiums. Most insurers use attained-age pricing. Your premium goes up 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.
Plan Types Covered
We covered all standardized Medigap plan types available in each state, including high-deductible versions of Plan F and Plan G. Plans C and F are no longer available to beneficiaries who became eligible for Medicare on or after Jan. 1, 2020, so quotes for those plans apply only to legacy enrollees.
State-Specific Plan Systems
Massachusetts, Minnesota and Wisconsin don't use the standard plan letters. These states created their own plan names and benefit structures before Congress standardized Medigap plan letters nationally. 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.
Patrick Bryant is the Vertical Lead for Life and Health Insurance at MoneyGeek, where he researches insurance products, writes consumer guides and maintains the scoring methodologies behind our provider comparisons. He analyzed more than 50 life insurance carriers across multiple policy types, collecting thousands of quotes nationwide to evaluate rates, coverage options and underwriting factors. His methodologies are reviewed quarterly to reflect current market conditions and carrier data.
