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Medicare Supplement Plan G Cost 2026

Plan G is the most popular Medicare Supplement (Medigap) plan for new enrollees. It covers all gaps in Original Medicare except the annual Part B deductible ($$283 in 2026), offering near-complete cost predictability. Estimated monthly premiums range from $$100 to $$250 at age 65, depending on your state and insurance carrier.

Data: CMS.gov · Medicare.gov · State DOI Last verified: June 2026 Methodology →

Important: CostPrism is not affiliated with Medicare, CMS, the U.S. Department of Health and Human Services, or any insurance company. This page provides estimated premiums for planning purposes — not insurance quotes. Full disclaimer.

Medicare Supplement Plan G cost overview — 2026 Medigap premiums by age and state

What Does Plan G Cover?

Medicare Supplement Plan G is a federally standardized plan — every Plan G offers identical benefits regardless of which insurance company sells it. Here is what Plan G covers and does not cover in 2026:

Plan G Covers

✓ Part A coinsurance & hospital costs (365 extra days)
✓ Part A inpatient deductible ($$1,762 per benefit period)
✓ Part B coinsurance or copayment (20% of approved charges)
✓ Part B excess charges (100%)
✓ First three pints of blood
✓ Skilled nursing facility coinsurance ($$220/day, days 21–100)
✓ Part A hospice care coinsurance
✓ 80% of foreign travel emergency care (up to $50,000 lifetime)

Plan G Does NOT Cover

✗ Part B annual deductible ($$283 in 2026 — you pay this once per year)
✗ Prescription drugs (requires a separate Part D plan)
✗ Dental, vision, and hearing services
✗ Long-term care or custodial care
✗ Services not covered by Original Medicare

After paying the $$283 Part B deductible, Plan G typically leaves you with zero additional out-of-pocket costs for Medicare-covered services for the rest of the year.

Estimated Plan G Cost by Age (2026)

Estimated monthly premiums for Medicare Supplement Plan G for non-tobacco users. Ranges reflect variation across insurance carriers and states. These are modeled estimates — not actual quotes from any specific insurer.

Age at Enrollment	Estimated Monthly Range	Estimated Annual Range
65 years old	$100–$250/mo	$1,200–$3,000/yr
70 years old	$118–$295/mo	$1,416–$3,540/yr
75 years old	$140–$350/mo	$1,680–$4,200/yr
80 years old	$165–$413/mo	$1,980–$4,956/yr

Estimates derived from published state insurance department rate filings and industry surveys. Tobacco users typically pay an estimated 15% surcharge. Actual premiums depend on carrier, state, rating method, gender, and other individual factors.

Plan G vs Plan N Comparison

Plan G and Plan N are the two most popular Medigap plans for people who became Medicare-eligible after January 1, 2020. Both offer strong coverage, but they differ in cost structure and cost-sharing.

Feature	Plan G	Plan N
Estimated premium (age 65)	$100–$250/mo	$80–$200/mo
Part B coinsurance	Covered (100%)	Covered (with copays)
Doctor visit copay	$0	Up to $$20
ER copay (not admitted)	$0	Up to $$50
Part B excess charges	Covered	Not covered
Part B deductible	Not covered	Not covered
Foreign travel emergency	80% covered	80% covered
Best for	Predictable costs, frequent care	Lower premium, healthy enrollees

All premiums shown are estimated ranges for non-tobacco users at age 65. The Plan G vs Plan N break-even depends on how many doctor visits and ER visits you have per year. Use our Medicare Supplement Calculator for a personalized comparison.

Plan G vs High-Deductible Plan G

High-Deductible (HD) Plan G offers the same comprehensive coverage as standard Plan G, but with a $$2,950 annual deductible you must meet before the plan pays. In exchange, monthly premiums are significantly lower.

Standard Plan G

Estimated premium: $$100–$$250/mo at age 65
Annual deductible: $0 (plan pays from first dollar after Part B deductible)
Max annual out-of-pocket: $$283 (Part B deductible only)
Best for: Those who want minimal out-of-pocket costs and predictability

High-Deductible Plan G

Estimated premium: $$25–$$75/mo at age 65
Annual deductible: $$2,950 (you pay this before plan covers costs)
Max annual out-of-pocket: $$3,233 (deductible + Part B deductible)
Best for: Healthy beneficiaries who want catastrophic protection at lower monthly cost

The math: The estimated premium difference between standard and HD Plan G is roughly $$25–$$225/month ($$300–$$2700/year). If your annual Medicare cost-sharing stays below the $$2,950 deductible, HD Plan G saves money. If you regularly meet the deductible, standard Plan G is typically more cost-effective. Not all states offer HD Plan G — check availability with your state insurance department.

How to Find the Cheapest Plan G

Because all Plan G policies offer identical, federally standardized benefits, the only differences between carriers are price and customer service. This makes comparison shopping essential.

Compare quotes from multiple carriers

Estimated rate differences of $60–$100/month between carriers for identical Plan G coverage are common. Request quotes from at least 3–5 companies.

Ask about the pricing method

Community-rated plans charge the same regardless of age (increases only for inflation). Attained-age plans start cheap but increase as you get older. Issue-age plans lock in a rate based on your enrollment age.

Enroll during your open enrollment period

During the 6-month Medigap OEP (starting the month you turn 65 and have Part B), you get guaranteed issue — no health questions, no denial, no higher premiums for pre-existing conditions.

Contact your State Health Insurance Assistance Program (SHIP)

SHIP counselors provide free, unbiased Medicare guidance. They can help you compare local Plan G rates and understand your state's consumer protections. Find your local SHIP at shiphelp.org.

Check household and payment discounts

Many carriers offer 5–15% discounts for household (both spouses enrolled), annual payment, or electronic fund transfer (EFT) billing. Always ask about available discounts.

Estimate Your Plan G Cost

Use our Medicare Supplement Cost Calculator to get a personalized estimate based on your age, state, tobacco use, and healthcare usage. Includes Plan G vs. Plan N break-even analysis and 10/20-year cost projections.

Open Medicare Supplement Calculator Medicare.gov Plan Finder — Official

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Plan G Costs by State

Medigap Plan G premiums vary by state due to differences in insurance regulations, carrier competition, pricing methods, and consumer protections. Select a state for detailed Medicare Supplement information.

State pages include estimated Medigap rates, consumer protections, guaranteed-issue rules, and official state insurance department links.

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Frequently Asked Questions — Plan G

How much does Medicare Supplement Plan G cost per month in 2026?

Estimated Plan G premiums for a 65-year-old non-tobacco user range from approximately $100 to $250 per month in 2026, depending on the insurance company, state, and pricing method. Because Medigap plans are federally standardized, the coverage is identical across all carriers — only the premium and customer service differ. Adding the Part B premium ($202.9/month) and Part B deductible ($283/year), estimated total annual Medicare costs with Plan G range from approximately $3,700 to $5,800.

What does Medicare Supplement Plan G cover?

Plan G covers Part A coinsurance and hospital costs (up to 365 additional days after Medicare benefits are exhausted), Part B coinsurance or copayment, first three pints of blood, Part A hospice care coinsurance, skilled nursing facility coinsurance, Part B excess charges, and 80% of foreign travel emergency care (up to $50,000 lifetime). The only standard Medicare cost Plan G does not cover is the Part B annual deductible ($283 in 2026). After paying that deductible, Plan G typically leaves you with zero out-of-pocket costs for Medicare-covered services.

Is Plan G better than Plan N for Medicare Supplement?

Plan G and Plan N are the two most popular Medigap plans for new enrollees. Plan G covers all Medicare gaps except the Part B deductible ($283). Plan N costs approximately 15-25% less but adds copays of up to $20 per doctor visit and up to $50 for ER visits not resulting in admission. Plan N also does not cover Part B excess charges. If you see doctors frequently or want predictable costs, Plan G may be more cost-effective. If you are healthy and want a lower premium, Plan N can save money — but you accept more out-of-pocket risk.

What is the difference between Plan G and High-Deductible Plan G?

High-Deductible (HD) Plan G provides the same coverage as standard Plan G, but you must pay a $2950 annual deductible before the plan begins covering costs. HD Plan G premiums are significantly lower — estimated at $25 to $75 per month at age 65. Your maximum annual out-of-pocket with HD Plan G is the deductible ($2950) plus the Part B deductible ($283), totaling $3233. HD Plan G is best suited for healthy beneficiaries who want catastrophic coverage at a lower monthly cost.

When should I enroll in Medicare Supplement Plan G?

The best time to enroll is during your Medigap Open Enrollment Period — the 6-month window starting the month you turn 65 AND are enrolled in Part B. During this period, insurers cannot deny coverage, charge higher premiums based on health conditions, or impose waiting periods for pre-existing conditions. After this window, insurers in most states can use medical underwriting and may deny coverage or charge significantly more. A few states (NY, CT, MA, and others) offer additional guaranteed-issue protections. If you are switching from Medicare Advantage, a trial-right period may apply within 12 months of initial enrollment.

Important Disclaimer

CostPrism is not affiliated with Medicare, CMS, the U.S. Department of Health and Human Services, or any insurance company.

This calculator provides estimates for educational and planning purposes only. It does not constitute insurance advice, an insurance quote, or an offer of insurance coverage.

Always verify current Medicare costs, eligibility, and enrollment information at Medicare.gov or by calling 1-800-MEDICARE (1-800-633-4227).

Consider consulting a licensed insurance agent or State Health Insurance Assistance Program (SHIP) counselor for personalized guidance.

Actual premiums vary by insurance company, state, county, age, health status, tobacco use, and other factors. The estimates shown are modeled approximations, not actual insurance quotes.

Medicare premiums, deductibles, and rules change annually. The information on this page is based on 2026 Medicare data as published by CMS. Carrier-specific premium information is not provided — use the Medicare.gov Plan Finder or contact a licensed insurance agent for actual quotes.