Medigap (Medicare Supplement Insurance) premiums average $100–$200 per month for a 65-year-old in 2026, depending on the plan chosen, your location, the insurer, and your age. Plans with more comprehensive coverage cost more but reduce what you pay at the doctor or hospital.
Average Medigap Premiums by Plan (2026)
These are approximate national averages for a 65-year-old non-smoking female. Actual premiums vary by state and insurer.
| Plan | Average Monthly Premium | What It Covers |
|---|---|---|
| Plan A | $70–$120 | Basic benefits only |
| Plan B | $100–$160 | Plan A + Part A deductible |
| Plan D | $90–$150 | Comprehensive except Part B deductible/excess |
| Plan G | $100–$200 | Near-complete (minus $257 Part B deductible) |
| High-Deductible Plan G | $30–$65 | Plan G benefits after $2,870 deductible |
| Plan K | $55–$100 | 50% cost-sharing; $7,220 out-of-pocket max |
| Plan L | $75–$130 | 75% cost-sharing; $3,610 out-of-pocket max |
| Plan M | $90–$150 | 50% Part A deductible; no Part B deductible |
| Plan N | $80–$155 | Plan G minus excess charges; $20/$50 copays |
| Plan F | $130–$250 | Complete coverage (pre-2020 enrollees only) |
| High-Deductible Plan F | $35–$75 | Plan F benefits after $2,870 deductible |
Premiums by Age: How Much Does Medigap Increase Over Time?
Medigap premiums typically increase as you age if you have an attained-age-rated policy.
Approximate Plan G Monthly Premiums by Age (2026, national average)
| Age | Approx. Monthly Premium | Annual Cost |
|---|---|---|
| 65 | $130–$160 | $1,560–$1,920 |
| 70 | $155–$190 | $1,860–$2,280 |
| 75 | $185–$230 | $2,220–$2,760 |
| 80 | $215–$280 | $2,580–$3,360 |
| 85 | $250–$330 | $3,000–$3,960 |
Note: These are illustrative ranges. Some states (New York, Connecticut) use community-rating where all ages pay the same premium.
Premiums by State: Geographic Variation
Medigap costs vary dramatically by state and metro area.
| State | Plan G (65-yr-old female, approx/mo) |
|---|---|
| Alabama | $95–$130 |
| California | $150–$220 |
| Florida | $130–$185 |
| Illinois | $110–$160 |
| New York | $220–$310 (community-rated) |
| Texas | $120–$170 |
| Washington | $105–$155 |
| Wisconsin | Uses different plan structure |
What Determines Your Medigap Premium?
| Factor | Impact on Premium |
|---|---|
| Plan type | Major — Plan G costs 2–3× more than Plan K |
| Age | Moderate to high (attained-age plans) |
| State/ZIP code | High — New York can be 2× more than Alabama |
| Tobacco use | Up to 50% higher in many states |
| Insurer | Moderate — same plan varies 20–40% between insurers |
| Pricing method | Significant over time (attained vs. community vs. issue-age) |
The Three Pricing Methods Explained
| Method | Premium Based On | Annual Increase Pattern |
|---|---|---|
| Attained-age-rated | Your current age | Increases each year as you age |
| Issue-age-rated | Age when you enrolled | Only general inflation increases |
| Community-rated | Same for all ages in the area | Only general increases |
Best long-term value: Community-rated or issue-age-rated policies, even if they cost slightly more at age 65.
Medigap Premium vs. What Medicare Advantage Costs
| Feature | Medigap + Original Medicare | Medicare Advantage |
|---|---|---|
| Monthly premium (avg.) | $100–$200 + Medicare Part B ($185) | $0–$50 (many $0 plans) |
| Total monthly cost | $285–$385 | $185–$235 |
| Out-of-pocket predictability | Very high (fixed or near-zero) | Lower — depends on care use |
| Provider network | Any Medicare-accepting provider | Network-restricted |
| Annual out-of-pocket max | Varies by plan | Up to $8,850 in-network (2026) |
Key takeaway: Medigap costs more monthly but provides predictable, low out-of-pocket costs. Medicare Advantage costs less monthly but can have significant out-of-pocket exposure if you have major health events.
How to Lower Medigap Costs
- Shop multiple insurers — The same Medigap plan (e.g., Plan G) has identical benefits regardless of insurer. Compare prices using Medicare.gov’s Medigap plan finder.
- Choose High-Deductible Plan G — Monthly premiums of $30–$65 vs. $130–$180 for standard Plan G; you absorb up to $2,870/year before Medigap pays.
- Enroll during open enrollment — The 6-month window starting at age 65/Part B enrollment guarantees the lowest available rate without underwriting.
- Avoid tobacco — Tobacco users often pay 10–50% more. Quitting may allow re-underwriting for lower rates (state rules vary).
- Pick community-rated states — If you’re moving near retirement, states with community rating (NY, CT) offer premium stability.
For the key Medigap plan comparison, see Medigap Plan F vs. G and Medigap Plan G vs. N. For how Medigap interacts with Medicare Part D, see Medicare Part D cost. For the health insurance hub, see health insurance hub.
The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy