Updated July 2, 2026
DC's Plan G premiums run around $203 per month, among the higher figures in the country. That reflects the cost of healthcare services in the Washington metro area, not a difference in what the plan covers.
Things to Know About Medigap in District of Columbia
- Plan G in District of Columbia runs about $203 a month for a typical new enrollee, though age, sex, tobacco use and insurer all move that number.
- Every Plan G sold in District of Columbia covers the same federally standardized benefits, so price and rating method are what actually separate one carrier from another.
- Your 6 month Open Enrollment window in District of Columbia opens the month your Medicare Part B coverage starts, and no insurer can turn you down or charge more for health history during it.
- Miss that window in District of Columbia and carriers can medically underwrite new applications, which can mean a higher rate or a declined application.
Medigap pricing in the District of Columbia
The District operates as a distinct jurisdiction under federal law, not a state, but Medigap rules here follow the same federal framework. Plan G covers the same Medicare cost-sharing gaps in DC as it does in any state. The higher local cost of medical services pushes premiums up, which is consistent with what you see in other high-cost urban markets. When comparing carriers, focus on price for the same plan letter: the benefits do not vary. The Medigap cost calculator provides an age-based estimate, and the plan comparison page shows the full benefit structure for each letter.
Enrolling in the District of Columbia
DC residents have the same federal enrollment rights as residents anywhere else. The 6-month open enrollment window begins when Part B becomes active. During that window insurers cannot use health information to deny coverage or increase your premium. Outside that period, underwriting applies. The open enrollment calculator shows your exact window. The Medigap vs Advantage calculator compares both coverage approaches if you want to see how they differ before deciding.
FAQs
How much does Medigap Plan G cost in District of Columbia?
Plan G premiums in District of Columbia run around $203 a month for most new enrollees, though your exact rate depends on your age, sex, tobacco use and the insurer you choose.
When can I enroll in Medigap in District of Columbia without medical underwriting?
Your 6 month Medigap Open Enrollment period in District of Columbia starts the month your Medicare Part B coverage begins, and no insurer can deny you or charge more based on health history during that window.