Medicare Supplement Cost in Connecticut
2026 Medigap Plan G, N & F rates for Connecticut residents — age 65+
Non-tobacco rates. Tobacco users pay 10–20% more. Part B premium ($185/mo in 2026) is separate.
Connecticut Medigap Premium Calculator
Medigap Plan Comparison — Connecticut 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 | $175/mo | $2,100/yr |
| Plan N | Lower premium — $20 office copay, $50 ER copay | $140/mo | $1,680/yr |
| High-Ded. Plan G | $2,800 deductible before coverage; very low premium | $49/mo | $588/yr |
| Plan K | 50% cost-share; lower premium, higher out-of-pocket | $79/mo | $945/yr |
| Plan L | 75% cost-share; moderate premium | $105/mo | $1,260/yr |
| Plan F (grandfathered) | Full coverage incl. Part B deductible — not for new enrollees after 2020 | $207/mo | $2,478/yr |
Medicare Supplement in Connecticut: Key Facts
Connecticut has year-round guaranteed issue for Medicare Supplement insurance — a major protection allowing you to enroll or switch plans at any time without being denied for pre-existing conditions. CT also requires community-rated pricing, meaning your age doesn't affect your premium.
Buying Tips for Connecticut
Connecticut's community-rated requirement means premiums don't increase just because you get older — they only go up with general inflation. This makes locking in coverage at 65 particularly valuable. Compare multiple carriers as CT premiums still vary 25–40% between insurers.
Plan G Premium by Age in Connecticut
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 Connecticut
Medigap coverage is federally standardized — Plan G is Plan G everywhere. The ONLY difference between carriers is price and service. Compare all Connecticut carriers to find the lowest rate for identical coverage.
Frequently Asked Questions
How much does Medicare Supplement insurance cost in Connecticut?
Medicare Supplement Plan G in Connecticut costs approximately $175/month for a 65-year-old non-tobacco user. Plan N averages $140/month. Rates increase with age — at 75, expect $$259/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 Connecticut?
Plan G is the most popular and generally the best Medigap plan for new Medicare enrollees in Connecticut. 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 (~$49/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 Connecticut?
Connecticut: Year-round guaranteed issue (CT law). Community-rated pricing required — premiums don't increase with age
Is Medicare Supplement or Medicare Advantage better for Connecticut 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.
Connecticut Medigap Rates
- Plan G (age 65)
- $175/mo
- Plan N (age 65)
- $140/mo
- HD Plan G (age 65)
- $49/mo
- Plan G (age 75)
- $259/mo
- + Part B premium
- +$185/mo
Compare by State
Plan G, age 65, non-tobacco