Medicare Supplement Cost Guide 2026
Medigap plan comparison, state-by-state rates, and enrollment strategy
$155/mo
Avg Plan G (age 65)
$120/mo
Avg Plan N (age 65)
$0
Out-of-pocket with Plan G*
Updated June 2026 Sources: CMS.gov, AHIP, eHealth Medicare, NAHU Reviewed by: CostPrism Research Team
Medicare Supplement (Medigap) insurance fills the "gaps" left by Original Medicare — covering deductibles, copays, and coinsurance that Medicare doesn't pay. With Medicare alone, you're exposed to 20% of all Part B costs with no out-of-pocket maximum. A $100,000 medical event could leave you owing $20,000+. Medigap plans eliminate most of that risk for $100–$200/month in premiums.
Plan Comparison (All Plans Include Same Benefits by Law)
| Plan | Avg Monthly | Part B Deductible |
|---|---|---|
| Plan A | $105 | No |
| Plan D | $118 | No |
| Plan G (most popular) | $155 | No |
| Plan G (High Deductible) | $58 | No |
| Plan N | $120 | No |
| Plan F (closed to new enrollees) | $195 | Yes |
All plans with same letter provide identical benefits regardless of insurer. Compare only premium price. *Plan G: you pay Part B deductible ($240/yr); then $0 out-of-pocket.
How Premiums Are Priced (Matters Long-Term)
Community Rated
Same premium for all ages. Age 65 and 85 pay the same. Best for older enrollees.
States: CT, MA, ME, MN, NY, WA
Issue-Age Rated
Premium locked to age at enrollment. Doesn't increase due to age, but may rise with inflation.
States: FL, AZ (some insurers)
Attained-Age Rated
Most common. Premium increases as you get older. Cheaper at 65, but most expensive long-term.
States: Most other states
Pro tip: Attained-age plans are cheapest at 65 but most expensive by 80. Community-rated plans look expensive at 65 but save money long-term if you stay healthy. For long-term planning, community-rated or issue-age states offer more predictable costs.
Medigap Rates by State (Plan G, Age 65, Non-Smoker)
| State | Plan G Range | Plan N Range |
|---|---|---|
| California | $148–$220 | $112–$172 |
| New York | $185–$310 | $140–$240 |
| Florida | $155–$245 | $118–$190 |
| Texas | $120–$195 | $90–$150 |
| Arizona | $115–$185 | $88–$145 |
| Illinois | $130–$205 | $99–$158 |
| Pennsylvania | $140–$215 | $108–$165 |
| Georgia | $110–$180 | $84–$138 |
| Ohio | $118–$190 | $90–$146 |
| Michigan | $125–$200 | $95–$155 |
| North Carolina | $120–$192 | $92–$148 |
| Colorado | $130–$208 | $99–$160 |
| Washington | $145–$225 | $110–$175 |
| Massachusetts | $175–$290 | $132–$225 |
| Minnesota | $165–$260 | $125–$200 |
Wide ranges reflect multiple insurers offering identical coverage at different prices. Always compare 3+ quotes on the same plan letter.
Compare Medicare Supplement Quotes
Estimate your monthly Medigap premium based on plan, age, and state.
Use Medicare Supplement Calculator →Frequently Asked Questions
Medicare Supplement (Medigap) premiums in 2026 range from $80–$400+/month depending on the plan letter and your state. Most popular plans: Plan G averages $155/month (age 65, non-smoker); Plan N averages $120/month; Plan F (grandfathered) averages $195/month. Premiums vary significantly by insurer — comparing quotes from 3+ companies on the same plan letter saves 20–40%.
Plan G covers everything except the Medicare Part B deductible ($240 in 2026). Plan N also excludes the Part B deductible plus adds copays of up to $20 for office visits and $50 for emergency room visits. Plan G typically costs $30–$50/month more than Plan N. If you visit doctors frequently, Plan G may be worth the higher premium to avoid copays.
The best time is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 AND are enrolled in Medicare Part B. During this window, insurers cannot deny coverage or charge more due to pre-existing conditions. After this window, you may be medically underwritten and denied or charged more. Some states have annual enrollment protections.
Medigap is worth it if you have significant healthcare needs, travel frequently, want predictable costs, or see multiple specialists. Medigap eliminates nearly all out-of-pocket costs after premiums. Compare the annual premium cost ($1,200–$2,400/year for Plan G) to what Medicare alone would leave you paying: 20% of all Part B costs (no cap), $1,632 Part A deductible per hospitalization, and $400/day skilled nursing copay for days 21–100.
Yes, but you may face medical underwriting outside your Open Enrollment Period. To switch: compare rates on the same plan letter (all Plan G plans offer identical coverage by law), apply to the new insurer, and cancel the old plan only after approval. Insurers can deny you or charge more for pre-existing conditions unless you live in a state with additional protections (CT, MA, ME, MN, MO, NY, OR, WA have annual guaranteed issue rights).