Medicare Supplement Cost in California
2026 Medigap Plan G, N & F rates for California residents — age 65+
Non-tobacco rates. Tobacco users pay 10–20% more. Part B premium ($185/mo in 2026) is separate.
California Medigap Premium Calculator
Medigap Plan Comparison — California 2026
Age 65, non-tobacco. Annual Part B premium ($185/mo) is additional and the same for all plans.
| Plan | What It Covers | Monthly | Annual |
|---|---|---|---|
| Plan G | Most popular — covers all except Part B deductible | $160/mo | $1,920/yr |
| Plan N | Lower premium — $20 office copay, $50 ER copay | $128/mo | $1,536/yr |
| High-Ded. Plan G | $2,800 deductible before coverage; very low premium | $45/mo | $538/yr |
| Plan K | 50% cost-share; lower premium, higher out-of-pocket | $72/mo | $864/yr |
| Plan L | 75% cost-share; moderate premium | $96/mo | $1,152/yr |
| Plan F (grandfathered) | Full coverage incl. Part B deductible — not for new enrollees after 2020 | $189/mo | $2,266/yr |
Medicare Supplement in California: Key Facts
California is a large, competitive Medigap market with 30+ carriers offering coverage. California also has a unique Birthday Rule: once per year, during the 60-day period following your birthday, you can switch to an equal or lesser Medigap plan with no underwriting, regardless of health.
Buying Tips for California
Use California's Birthday Rule to switch to a lower-cost carrier for equivalent coverage annually. Set a reminder 60 days before your birthday each year to shop quotes — many CA seniors save $300–$600/year by switching. Compare AARP/UnitedHealthcare, Blue Shield of CA, Anthem, and Cigna.
Plan G Premium by Age in California
Attained-age pricing (most common): premiums increase as you age. Community-rated plans (MA, NY, CT) do not increase with age.
Compare Medicare Supplement Plans in California
Medigap coverage is federally standardized — Plan G is Plan G everywhere. The ONLY difference between carriers is price and service. Compare all California carriers to find the lowest rate for identical coverage.
Frequently Asked Questions
How much does Medicare Supplement insurance cost in California?
Medicare Supplement Plan G in California costs approximately $160/month for a 65-year-old non-tobacco user. Plan N averages $128/month. Rates increase with age — at 75, expect $$237/month for Plan G. This is your Medigap premium only; the standard Part B premium ($185/month in 2026) is a separate federal charge.
What is the best Medicare Supplement plan in California?
Plan G is the most popular and generally the best Medigap plan for new Medicare enrollees in California. It covers everything except the Part B deductible ($240 in 2026), giving you predictable costs year-round. Plan N is an excellent alternative if you're healthy and comfortable with $20 office visit copays — it costs 15–20% less. High-Deductible Plan G offers the lowest premium (~$45/month) but requires paying a $2,800 deductible before benefits kick in — best for very healthy seniors.
When can I enroll in Medicare Supplement in California?
California: Standard 6-month open enrollment at 65; plus annual Birthday Rule (60 days around your birthday). Birthday Rule allows no-underwriting plan switches during annual 60-day birthday window
Is Medicare Supplement or Medicare Advantage better for California residents?
Medicare Supplement works with Original Medicare — giving you access to any doctor or hospital that accepts Medicare nationwide with predictable costs. Medicare Advantage (Part C) often has $0 premium but uses HMO/PPO networks and has out-of-pocket maximums of $4,000–$8,300/year. Supplement is better for: those with frequent health needs, travelers, people who want any doctor/hospital. Advantage is better for: healthy seniors in strong-network areas who want low monthly costs and don't mind network restrictions.
California Medigap Rates
- Plan G (age 65)
- $160/mo
- Plan N (age 65)
- $128/mo
- HD Plan G (age 65)
- $45/mo
- Plan G (age 75)
- $237/mo
- + Part B premium
- +$185/mo
Compare by State
Plan G, age 65, non-tobacco