Plan G premiums typically run $100 to $300 a month, varying by age, state and insurer, even though every Plan G nationwide covers the identical federally standardized benefits. Estimate a premium, compare what each plan covers, weigh Medigap against Advantage, and find your enrollment window.
Pick a plan, age and region for an instant estimate.
Pick the right plan without the confusion.
Monthly premium by plan letter, age and region.
See my numbers →What Plan G, N and F actually cover.
See my numbers →Compare total yearly out-of-pocket.
See my numbers →Your 6-month no-underwriting window.
See my numbers →Four things move a Medigap premium, and only one of them is the plan letter. The calculator above uses the same four.
Plan letter. Plan G costs more than Plan N because it covers more: N leaves you paying small copays at some office and ER visits, plus the Part B excess charges G absorbs. High-deductible G runs cheapest month to month because you carry the first $2,950 of costs yourself before it pays anything (Medicare.gov, Medigap plan benefits, accessed July 2, 2026).
Age. Most insurers use attained-age or issue-age pricing, so premiums climb as you get older, sometimes every year. A 65-year-old and an 80-year-old buying the identical Plan G policy from the identical company can pay noticeably different amounts.
Region. A South Florida or New York ZIP code routinely prices two to three times higher than a low-cost rural county, even for the same plan and the same age. Insurers set rates by state and sometimes by ZIP, so where you live matters as much as what you buy.
Insurer. Because every company's Plan G covers the identical federally standardized benefits, the company you pick is pure price shopping. Two insurers can quote different premiums for the exact same coverage, which is the one lever in this list actually worth negotiating.
Take a 70-year-old shopping in an average-cost region. Plan G's base rate in the calculator is 145, the age-70 multiplier is 1.0, and the average-region multiplier is also 1.0, so the estimate lands at $145 a month, or roughly $1,740 a year. Switch that same shopper to Plan N and the base drops to 110, which brings the estimate to $110 a month, about $30 less, in exchange for small copays at some visits. Move either plan to a high-cost state like Florida or New York, where the regional multiplier rises to 1.3, and Plan G's estimate climbs to about $189 a month. The plan letter sets the coverage; age and region set most of the price.
These tools estimate. They do not quote, bind, or replace a licensed agent. Call a licensed insurance broker or use Medicare.gov's plan finder once you are ready to compare actual rates from real carriers in your ZIP code, especially if any of the following applies: you are outside your six-month Medigap open enrollment window and may face medical underwriting, you have a chronic condition an insurer might rate for, you are weighing Medigap against a Medicare Advantage plan tied to your specific doctors, or you are unsure which state guaranteed-issue rights apply to your situation. SHIP (State Health Insurance Assistance Program) counselors offer free, unbiased Medicare guidance by phone in every state; find yours through Medicare.gov.
Authoritative U.S. government sources for further reading and to verify the figures on this page:
Plan G and Plan N are the most commonly chosen Medigap plans for people newly eligible for Medicare, since Plan F and Plan C closed to new enrollees who became eligible for Medicare on or after January 1, 2020 (Medicare.gov, Compare Medigap plan benefits, accessed July 2, 2026). Plan G covers nearly all out-of-pocket Medicare costs except the Part B deductible. Plan N offers lower premiums with small copays for some visits. Visit Medicare.gov to compare standardized plan benefits by state.
Monthly premiums for Medicare Supplement insurance vary by plan type, age, gender, tobacco use, and location. In 2025 and 2026, Plan G premiums typically range from about $100 to $300 per month for a 65-year-old, while Plan N premiums are often somewhat lower. Premiums generally rise with age. Prices differ significantly by insurer even for identical standardized benefits, so comparing multiple carriers is important. Medicare.gov and licensed insurance brokers can provide quotes for your specific situation.
The main drawbacks of Medigap plans are monthly premiums, which add to your Part B premium cost, and the fact that Medigap does not cover prescription drugs, requiring a separate Part D plan. Medigap plans also do not cover dental, vision, or hearing care. If you enroll outside your initial open enrollment window, insurers in most states can use medical underwriting and may deny coverage or charge higher premiums based on health status. Review your options carefully before your Initial Enrollment Period ends.
Medicare Supplement plans are all standardized by the federal government and sold by private insurers, so there are not really two separate types. However, beneficiaries often compare high-coverage plans (like Plan G, which covers most cost-sharing) against high-deductible or lower-premium plans (like Plan N or high-deductible Plan G). Some states also offer additional plan types. All Medigap plans must follow federal and state rules. Visit Medicare.gov or call 1-800-MEDICARE for complete, up-to-date information.
Medicare's annual Open Enrollment Period (October 15 to December 7) is for switching Advantage and Part D plans; it does not reopen Medigap underwriting. If you are within six months of your Part B start date, that is the window to lock in a Medigap plan without health questions, whatever the calendar month.