Updated July 2, 2026
Plan G in Indiana costs around $130 per month on average: one of the more affordable rates in the Midwest. Indiana follows standard federal Medigap rules, with no state-specific add-ons that change how plans are sold or priced.
FAQs
How much does Medigap Plan G cost in Indiana?
Plan G premiums in Indiana run around $130 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 Indiana after my enrollment window closes?
Outside the 6 month Open Enrollment period, insurers in Indiana can ask health questions and use medical underwriting, which can mean a higher premium or a denied application.
How Indiana prices compare
Indiana's relatively low healthcare costs in many regions keep Medigap premiums below the national average. That said, the figure you see will depend on your age and the carrier. Some insurers in Indiana use attained-age rating, meaning the premium steps up each year as you get older. Others use issue-age rating, locking a rate based on how old you are when you first buy. Issue-age policies often start higher but are more predictable long-term. It is worth asking each carrier which method they apply. See what each plan covers and get an age-specific figure from the Medigap cost calculator.
Things to Know Before You Enroll in Indiana
Your Open Enrollment window lasts six months, starting the month Part B begins. During those six months, Indiana insurers cannot turn you away or charge more because of your health. Miss the window and you will likely face medical underwriting: and the carrier can say no. Indiana provides no additional state-level guaranteed-issue protections beyond the federal baseline, so the initial window is the window to use. Find your specific dates with the open enrollment calculator. The Medigap vs Advantage calculator can help if Medicare Advantage is also on your radar.