Updated: September 7, 2026
Advertising & Editorial Disclosure
Medicare Supplement plans average $189 a month at age 65. Premiums range from $61 for high-deductible Plan G to $294 for Plan C based on plan type and insurer.
Plan G from UnitedHealthcare costs $214 more a month than from Aetna for the same coverage. Compare quotes from at least three companies before you buy.
Your Medigap Open Enrollment Period is the only time insurers must cover you regardless of health history. Miss the Open Enrollment Period and insurers can charge you more or turn you down entirely.
Plan G is the most popular Medigap plan for new enrollees. Plan G averages $220 a month at age 65 and covers most of what Original Medicare (Parts A and B) doesn't pay.
Attained-age-rated premiums start lower than community-rated plans but increase each year as you get older. Community-rated and issue-age-rated plans are different, as rates don't increase with age but can still rise with inflation.
Every Medigap plan covers Medicare Part B coinsurance and the first three pints of blood. Part A hospice care and hospital coinsurance are also covered for up to 365 additional days after Medicare benefits are exhausted. Plan letters then differ in which additional out-of-pocket costs they cover.
Your monthly Medigap premium goes directly to your private insurance company and not to Medicare. Your Medigap premium is separate from your Medicare Part B premium, which you continue paying to the federal government. Medigap is secondary insurance. After Medicare processes your claim, Medigap covers what Medicare leaves for you to 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 $283 each year before Original Medicare coverage begins. Plan C and Plan F are the only Medigap plans that cover the Part B deductible, but you can only buy Plan C or Plan F if you qualified 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 coverage begins. The $2,950 deductible can be met through costs High-deductible Plan G would otherwise cover, such as Part A and Part B deductibles, coinsurance and copayments. Once you reach the $2,950 threshold, High-deductible Plan G covers 100% of eligible Medigap benefits for the rest of the calendar year.
Some Medigap plans carry costs beyond the monthly premium:
Your Medigap premium isn't random. Insurance companies weigh several factors when calculating your monthly rate.
At age 65, Medicare Supplement plans average $189 a month. Plan G, the most popular choice for new enrollees, averages $220. By age 75, Plan G rises to $279 a month under attained-age pricing.
A higher premium doesn't always mean better coverage. Plan A averages $213 a month at age 65 for only the four core Medigap benefits. Plan G costs $7 more a month than Plan A but adds coverage for the Part A deductible, skilled nursing costs, Part B excess charges and foreign travel emergencies.
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. Consider a 14-day hospital stay with $4,000 in Medicare-approved Part B medical expenses, such as physician services.
Plan G from Aetna averages $144 a month. UnitedHealthcare charges $358 for the same coverage. The $214 difference between Aetna and UnitedHealthcare equals $2,568 a year. At UnitedHealthcare, Plan G and Plan N differ by $73, and the $214 insurer difference is almost three times that.
HealthSpring and Aetna offer the most competitive Plan G rates in our analysis. UnitedHealthcare covers all 50 states and D.C., the widest availability of any insurer we reviewed.
| Plan G covers the Part A deductible, Part B co-insurance and most other Medicare out-of-pocket costs. It doesn't cover the annual Part B deductible, which is $283 in 2026. | Plan N covers the same Medicare costs as Plan G at a lower monthly premium in exchange for per-visit copays. You pay up to $20 per doctor visit and up to $50 per emergency room visit that doesn't lead to a hospital stay. | ||
|---|---|---|---|
$358 | $285 | 50 states + D.C. | |
$170 | $204 | 37 states + D.C. | |
$162 | $175 | 43 states + D.C. | |
$144 | $172 | 44 states + D.C. | |
$170 | $201 | 48 states + D.C. | |
$238 | $193 | 45 states + D.C. |
*Figures show each provider's national average monthly premium for a 65-year-old nonsmoker, based on MoneyGeek's 2026 rate analysis. The Part B deductible is $283 in 2026 and applies to both plans. Medigap premiums are set one of three ways. Community-rated pricing charges everyone in an area the same rate regardless of age. Issue-age-rated pricing locks your rate at enrollment and won't increase with age. Attained-age-rated pricing rises each year as you get older.
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. South Carolina is the cheapest at $169. The $314 monthly difference between New York and South Carolina adds up to $3,768 a year for the same Plan G 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 Wisconsin don't offer Plan G. For these states, average rates reflect Supplement 1A in Massachusetts and the standardized Medigap plans in Minnesota and Wisconsin.
You can lower your medigap costs most cost effectievly by enrolling at the right time and comparing insurer prices as during your Open Enrollment Period, no insurer can deny you coverage or charge more based on your health history. After the Open Enrollment Period closes, insurers can review your medical history and charge you more or deny coverage based on pre-existing conditions.
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 Open Enrollment Period. Miss this window 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 more than $200 a month between companies. Get quotes from at least three insurers before you buy.
Plan G from UnitedHealthcare costs $214 more per month than from Aetna for identical coverage. Comparing insurer prices is the most direct control you have over your monthly Medigap rate.
High-deductible Plan G costs $61 per month at age 65, $159 less than standard Plan G for a savings of $1,908 per year in premiums. In exchange for paying $61 a month instead of $220, you pay up to $2,950 in Medicare-covered costs before coverage begins.
Whether you save overall depends on how much care you use. If you spend less than $2,191 a year in Medicare-covered out-of-pocket costs, high-deductible Plan G saves you money overall, whereas standard Plan G costs less over a full year above that threshold because it limits your out-of-pocket exposure to the $283 Part B deductible only.
Check your Medigap coverage each year during the Medicare Annual Enrollment Period to confirm it still fits your health needs and budget. You can switch plans anytime, though insurers can check your health if you're outside your initial enrollment period.
Many insurers provide discounts that reduce 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 years, a plan priced at $220 a month today under attained-age rating could cost $40 to $80 more per month by your 75th birthday, an additional $480 to $960 per year that a community-rated plan at the same starting price would not add. 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 reduce your monthly premium when you qualify for discounts:
Medigap benefits are standardized by plan letter. Plan G from any insurer covers the same services. In our 2026 analysis, premiums for Plan G differ by as much as $214 a month between insurers. Where you live, the insurer you choose, your age and when you enroll 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. Plan G from UnitedHealthcare costs $2,568 more per year than from Aetna for the same coverage. A lower rate at age 65 reduces your annual cost for every year you keep your plan.
MoneyGeek's 2026 analysis found that Medicare Supplement plans average $189 a month at age 65. Plan G, the most popular choice for new enrollees, averages $220. By age 75, Plan G rises to $279 a month under attained-age pricing.
Your premiums can increase annually due to inflation and rising health care costs, regardless of pricing method. Attained-age-rated policies increase on your birthday each year on top of any inflation adjustment. 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 a month. Before high-deductible Plan G coverage starts, you pay up to $2,950 in out-of-pocket Medicare-covered costs. Plan K averages $110 a month and covers half of most Medicare-approved costs, so you share expenses with the plan until you reach the $8,000 annual limit.
Before choosing a lower-premium plan, compare the annual premium savings with what you expect to spend out of pocket. Low healthcare users pay less overall with high-deductible Plan G. Standard Plan G or Plan N costs less overall when you regularly use enough care to approach or reach the $2,950 deductible.
You can switch Medigap plans anytime, but insurers may check your health and charge more or deny coverage outside your initial enrollment period. Compare plans from different companies to save $50 to more than $200 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 costs $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. It works best for people who rarely visit specialists or the ER and prefer lower premiums in exchange for copays of up to $20 per office visit and $50 per emergency room visit. Plan F was 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. Quotes at both ages 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. The 16,954 quotes show what standardized Medicare Supplement plans cost across the country for the 2026 plan year. These quotes give you realistic pricing expectations whether you're newly eligible or already enrolled. We collected quotes in November 2025. The quotes reflect 2026 plan year pricing.
Why We Analyzed Two Age Groups
Medigap premiums increase with age because most insurers use attained-age pricing, which raises your rate every year. Comparing quotes at 65 and 75 shows how much your Medigap budget grows over a decade of retirement.
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 Massachusetts, Minnesota or Wisconsin, you'll see different plan options than the lettered plans available elsewhere.
What the Numbers Mean for You
Medigap plans with the same letter provide identical benefits regardless of which insurer sells them. 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.
