Updated July 2, 2026
Massachusetts does not follow the standard federal Medigap plan lettering. Where most states offer Plan A through Plan N, Massachusetts uses its own system established by the Massachusetts Division of Insurance: a Core plan, a Supplement 1 plan, and a Supplement 1A plan.
How Is a Medigap Premium Calculated in Massachusetts
If you are shopping for Medigap in Massachusetts, you will not find a Plan G or Plan N on the market. Instead, you choose among the state-defined options. Benefits within each plan type are still standardized: every insurer selling the Core plan must include the same Core benefits: but the structure differs from what you would find in other states. Before comparing quotes, confirm with each insurer which of the three plan types they offer. The plan comparison page explains how benefits map across plan types.
Enrolling in Massachusetts
The 6-month Medigap Open Enrollment Period still applies. It begins the month you are both 65 or older and enrolled in Medicare Part B. During that window, insurers cannot turn you down or charge more because of your health history. Miss the window and your options narrow considerably. Use the open enrollment calculator to find your exact start and end dates, and the Medigap vs Advantage calculator if you are weighing both paths. Premium estimates for Massachusetts average around $191 per month for comparable coverage, though actual quotes will vary by insurer and plan type.
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FAQs
How much does Medigap Plan G cost in Massachusetts?
Plan G premiums in Massachusetts run around $191 a month for most new enrollees, though your exact rate depends on your age, sex, tobacco use and the insurer you choose.
Do all Plan G policies in Massachusetts cover the same things?
Yes. Federal law standardizes the benefits inside every Plan G, so a policy sold in Massachusetts covers exactly the same services no matter which carrier issues it. Only the premium and the rating method differ from one Massachusetts carrier to the next.