By Naomi Foster, Contributing Writer, Healthcare
Updated July 2, 2026
Updated July 2, 2026
Medigap premiums vary by state and insurer, but coverage for a given plan letter is identical everywhere. Find your state below for an estimate, then open its page for enrollment dates and local pricing detail.
Things to Know About Comparing Medigap by State
- Every Plan G sold anywhere in the country covers the same federally standardized benefits; only the premium and the rating method a carrier uses actually differ by state.
- A handful of states, including California and Connecticut, add their own consumer protections on top of the federal rules, so it pays to check your specific state's page rather than assume the national default applies.
- Your 6 month Open Enrollment window opens the month your Medicare Part B coverage starts, no matter which state you live in, and no insurer can turn you away during it.
- The table below is a starting estimate; open your state's page for the enrollment window, rating method, and other local detail that affects your actual quote.
| State | Est. Plan G / mo |
|---|---|
| Alabama | ~$129/mo |
| Alaska | ~$181/mo |
| Arizona | ~$148/mo |
| Arkansas | ~$128/mo |
| California | ~$200/mo |
| Colorado | ~$152/mo |
| Connecticut | ~$167/mo |
| Delaware | ~$148/mo |
| District of Columbia | ~$203/mo |
| Florida | ~$148/mo |
| Georgia | ~$138/mo |
| Hawaii | ~$218/mo |
| Idaho | ~$142/mo |
| Illinois | ~$142/mo |
| Indiana | ~$130/mo |
| Iowa | ~$130/mo |
| Kansas | ~$129/mo |
| Kentucky | ~$130/mo |
| Louisiana | ~$133/mo |
| Maine | ~$157/mo |
| Maryland | ~$160/mo |
| Massachusetts | ~$191/mo |
| Michigan | ~$133/mo |
| Minnesota | ~$145/mo |
| Mississippi | ~$123/mo |
| Missouri | ~$130/mo |
| Montana | ~$145/mo |
| Nebraska | ~$133/mo |
| Nevada | ~$149/mo |
| New Hampshire | ~$157/mo |
| New Jersey | ~$170/mo |
| New Mexico | ~$135/mo |
| New York | ~$181/mo |
| North Carolina | ~$138/mo |
| North Dakota | ~$138/mo |
| Ohio | ~$133/mo |
| Oklahoma | ~$126/mo |
| Oregon | ~$162/mo |
| Pennsylvania | ~$145/mo |
| Rhode Island | ~$160/mo |
| South Carolina | ~$138/mo |
| South Dakota | ~$135/mo |
| Tennessee | ~$133/mo |
| Texas | ~$136/mo |
| Utah | ~$148/mo |
| Vermont | ~$160/mo |
| Virginia | ~$149/mo |
| Washington | ~$167/mo |
| West Virginia | ~$128/mo |
| Wisconsin | ~$141/mo |
| Wyoming | ~$136/mo |
FAQs
Why does the Plan G estimate change from state to state?
Insurers price Plan G differently in every state based on local claims history, the rating method they use, and how many carriers compete for business there. The benefits themselves never change; only the price does.
Can I buy a Medigap policy from a carrier in a different state?
Generally no. Medigap is sold and regulated state by state, so you typically need to buy from a carrier licensed in the state where you live.