Updated July 2, 2026
Pennsylvania has a large and active Medigap market, with many carriers competing for enrollees across a big and diverse population. Plan G comes in around $145 per month on average.
FAQs
How much does Medigap Plan G cost in Pennsylvania?
Plan G premiums in Pennsylvania run around $145 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 Pennsylvania after my enrollment window closes?
Outside the 6 month Open Enrollment period, insurers in Pennsylvania can ask health questions and use medical underwriting, which can mean a higher premium or a denied application.
Medigap pricing in Pennsylvania
A competitive market generally works in the buyer's favor: more carriers quoting the same plan letter means more opportunity to find a lower price for identical coverage. The benefits are federally fixed, so Plan G covers the same cost-sharing gaps at every insurer in Pennsylvania. The premium is the only meaningful variable. Rate methodology matters here too: some Pennsylvania carriers use attained-age pricing, which starts lower and rises annually; others use issue-age pricing, which is stable but higher at entry. Ask each carrier which method they use. The Medigap cost calculator gives an age-based estimate, and the plan comparison page explains the full benefit structure of each letter.
Things to Know Before You Enroll in Pennsylvania
Pennsylvania follows federal enrollment rules. The 6-month open enrollment window that begins with your Part B effective date is your period of guaranteed access: no health questions, no underwriting. After that window closes, standard underwriting rules apply. Do not delay enrollment without a specific reason. The open enrollment calculator shows your window. If you want to compare how Medigap stacks up against Medicare Advantage before you decide, the Medigap vs Advantage calculator is a good place to start.