Medicare / Insurance 2026 Medicare Data

Medicare Supplement Plan N Cost 2026

Plan N is a popular lower-cost alternative to Plan G. It offers comprehensive Medigap coverage with small copays for office and ER visits, making it a strong choice for seniors who want predictable costs without the highest premium. Estimated Plan N premiums start at approximately $$80–$200/month for a 65-year-old non-tobacco user in 2026.

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 estimates for planning purposes — not insurance quotes. Full disclaimer.

Medicare Supplement Plan N cost overview — 2026 estimated premiums and copay structure

What Medicare Supplement Plan N Covers

Plan N is a federally standardized Medigap plan — every Plan N policy offers identical benefits regardless of insurer. Only the premium and customer service differ between carriers.

Plan N Covers

✓ Part A hospital coinsurance and costs (up to 365 extra days)
✓ Part B coinsurance or copayment (with copays — see below)
✓ Blood (first 3 pints per year)
✓ Part A hospice care coinsurance or copayment
✓ Skilled nursing facility care coinsurance (days 21–100)
✓ Foreign travel emergency care (80% after $250 deductible, up to $50,000 lifetime)

Plan N Does NOT Cover

✗ Part B annual deductible ($$283 in 2026)
✗ Part B excess charges (up to 15% above Medicare-approved amount)

Plan N Copay Structure

$$20 Maximum copay per office visit (some carriers charge less)
$$50 Maximum copay per ER visit that does not result in inpatient admission (waived if admitted)

These copays are the trade-off for Plan N's lower monthly premium compared to Plan G. Preventive care visits covered by Medicare generally do not trigger a copay.

Estimated Plan N Monthly Premiums by Age

Estimated 2026 Plan N premium ranges for non-tobacco users. Actual premiums vary by insurer, state, rating method, and individual factors.

Age at Enrollment	Estimated Monthly Premium	Estimated Annual Cost
65 (initial enrollment)	$$80–$200/mo	$$960–$2,400/yr
70	$$94–$236/mo	$$1,128–$2,832/yr
75	$$112–$280/mo	$$1,344–$3,360/yr
80	$$132–$330/mo	$$1,584–$3,960/yr

Estimates are modeled from published state insurance department rate filings and industry surveys. They are not actual carrier quotes. Tobacco users typically pay an additional 15% surcharge. Attained-age-rated plans increase annually as you age.

Plan N vs. Plan G: When Does Each Save Money?

Plan G and Plan N are the two most popular Medigap plans for new enrollees. They share almost identical coverage — the differences determine which one costs less overall for your situation.

Factor	Plan N	Plan G
Estimated monthly premium (age 65)	$$80–$200/mo	$$100–$250/mo
Office visit copay	Up to $$20	$0 (fully covered)
ER copay (not admitted)	Up to $$50	$0 (fully covered)
Part B excess charges	Not covered	Covered (100%)
Part B deductible	Not covered ($$283/yr)	Not covered ($$283/yr)
Best for	Low-to-moderate healthcare usage	Frequent healthcare usage

Plan N Saves Money When

• You have fewer than 15–20 doctor visits per year
• You rarely visit the ER without being admitted
• Your doctors accept Medicare assignment (no excess charges)
• You live in a state that prohibits excess charges
• You want the lowest monthly premium with solid coverage

Plan G Is Better When

• You have frequent specialist or office visits (20+ per year)
• You see doctors who charge Part B excess fees
• You want maximum cost predictability (zero copays)
• You have chronic conditions requiring regular care
• Peace of mind outweighs monthly premium savings

Plan N Annual Copay Estimator

Estimate your total annual Plan N copay costs based on your expected healthcare usage. This helps determine whether Plan N or Plan G is more cost-effective for you.

Estimated office visits per year

Estimated ER visits per year (not admitted)

Uses maximum copay amounts ($$20/office visit, $$50/ER visit). Actual copays may be lower depending on your insurer. This is an estimate, not a guarantee of costs.

Compare All Medigap Plans Side by Side

Use the full Medicare Supplement Cost Calculator to compare Plan N against Plan G, High-Deductible Plan G, Plan K, and Plan L — with 10/20-year projections and break-even analysis.

Full Medicare Supplement Calculator Medicare.gov Plan Finder — Official

Links above are not paid partnerships. Editorial policy.

Medicare Supplement Costs by State

Medigap premiums — including Plan N — vary by state due to differences in insurance regulations, competition, pricing methods, and consumer protections. Select a state for detailed information.

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

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Plan N Frequently Asked Questions

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

Estimated Plan N premiums for a 65-year-old non-tobacco user range from approximately $80–$200/month in 2026, depending on the insurance company, state, and pricing method. At age 75, estimated premiums range from approximately $112–$280/month. These are modeled ranges — actual carrier quotes vary. Plan N is typically 15–25% less expensive than Plan G because it includes small copays and does not cover Part B excess charges.

What copays does Plan N charge?

Plan N may charge up to $20 per office visit and up to $50 for emergency room visits that do not result in an inpatient hospital admission. If you are admitted, the ER copay is waived. These are maximum amounts — some insurers charge less. Preventive care visits covered under Medicare generally do not trigger a copay. The copay structure is federally standardized, meaning all Plan N policies nationwide share these same maximum copays.

Does Plan N cover Part B excess charges?

No. Plan N does not cover Medicare Part B excess charges. Excess charges occur when a doctor who accepts Medicare but has not signed a participating agreement charges up to 15% above the Medicare-approved amount. In practice, fewer than 1% of Medicare claims involve excess charges, and several states (CT, MA, MN, NY, OH, PA, RI, VT) prohibit them entirely. If you live in a state that bans excess charges, this gap in Plan N coverage has no practical impact on your costs.

When does Plan N save money compared to Plan G?

Plan N typically saves money when you have fewer than 15–20 doctor office visits per year. The monthly premium difference between Plan G and Plan N is usually $20–$55/month ($240–$660/year). Plan N copays of up to $20/visit would need to total more than that annual savings before Plan G becomes cheaper. For example, if Plan N saves $35/month ($420/year), you would need more than 21 office visits ($420 ÷ $20) before Plan G breaks even. Seniors with low to moderate healthcare usage generally pay less with Plan N.

Can I switch from Plan G to Plan N (or vice versa)?

You can apply to switch Medigap plans at any time, but outside your initial 6-month open enrollment period, most states allow insurers to use medical underwriting. This means you may be denied coverage or charged higher premiums based on your health history. A few states offer birthday-rule or anniversary switching rights that let you change plans without underwriting. Always apply for the new plan before canceling your existing one. Contact your State Health Insurance Assistance Program (SHIP) for free, unbiased guidance on switching options in your state.

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.