Updated July 2, 2026
North Dakota is a sparsely populated state with fewer insurers competing in the Medigap market than you would find in larger states. Plan G runs around $138 per month, though the range between carriers can be wider when fewer companies are quoting.
FAQs
How much does Medigap Plan G cost in North Dakota?
Plan G premiums in North Dakota run around $138 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 North Dakota after my enrollment window closes?
Outside the 6 month Open Enrollment period, insurers in North Dakota can ask health questions and use medical underwriting, which can mean a higher premium or a denied application.
Medigap carrier options in North Dakota
Fewer competing carriers does not change what a plan covers. Every Plan G in North Dakota carries the same federally standardized benefits regardless of which insurer issues it. It does mean you should request quotes from every carrier licensed in the state rather than stopping at one or two. The Medigap cost calculator estimates North Dakota premiums by age, and the plan comparison page breaks down what each letter covers.
Things to Know Before You Enroll in North Dakota
Part B triggers a 6-month open enrollment window during which insurers cannot ask health questions or deny coverage. That window does not repeat. If you miss it, a carrier can review your medical history before deciding whether to issue a policy. The open enrollment calculator shows when your window opens and closes. Before you commit to Medigap, the Medigap vs Advantage calculator lays out how the two options compare on cost and coverage structure.