Updated July 2, 2026
Connecticut requires community rating for Medigap: insurers must charge the same premium for a given plan regardless of your age or gender. That means a 65-year-old and a 78-year-old pay the same rate for Plan G from the same carrier. Plan G here runs around $167 per month.
FAQs
How much does Medigap Plan G cost in Connecticut?
Plan G premiums in Connecticut run around $167 a month for most new enrollees, though your exact rate depends on your age, sex, tobacco use and the insurer you choose.
What happens if I apply for Medigap in Connecticut after my enrollment window closes?
Outside the 6 month Open Enrollment period, insurers in Connecticut can ask health questions and use medical underwriting, which can mean a higher premium or a denied application.
What community rating means in practice
Most states let Medigap insurers vary premiums by age, which means younger enrollees pay less and premiums climb as they age. Connecticut's community rating requirement, set by the Connecticut Insurance Department, eliminates that variable. Everyone buying the same plan from the same carrier pays the same base premium. Rates can still differ between carriers, and all carriers can still apply general rate increases over time. But your age at enrollment is not a factor. This makes Connecticut an unusual market: the financial advantage of enrolling early is smaller than in attained-age states, though enrolling during the guaranteed-issue window still protects you from underwriting. Review what each plan covers and use the Medigap cost calculator for current carrier estimates.
Things to Know Before You Enroll in Connecticut
Your 6-month Open Enrollment window opens the month Part B starts. During it, no carrier can turn you away or charge you more because of your health. Use the open enrollment calculator to pin down your dates. If you want to compare Medigap against a Medicare Advantage plan, the Medigap vs Advantage calculator puts the two options side by side.