Updated July 2, 2026
Virginia Plan G premiums average around $149 per month at age 65. The state sits just outside the DC metro area, which means a relatively large and active Medicare market with multiple carriers competing for enrollment.
FAQs
How much does Medigap Plan G cost in Virginia?
Plan G premiums in Virginia run around $149 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 Virginia after my enrollment window closes?
Outside the 6 month Open Enrollment period, insurers in Virginia can ask health questions and use medical underwriting, which can mean a higher premium or a denied application.
Shopping Medigap in Virginia
Virginia follows the standard federal Medigap rules without additional state-level restrictions on pricing or guaranteed issue beyond what federal law requires. The coverage inside every Plan G is identical from carrier to carrier, so comparing premiums is the main exercise. Carriers operating in the DC metro corridor and Northern Virginia tend to draw more competition than insurers in the western and rural parts of the state, which can mean meaningful price variation depending on your zip code. Check the Medigap cost calculator for an age-based estimate and the plan comparison tool to see what each plan letter covers.
Things to Know Before You Enroll in Virginia
The federal Open Enrollment Period gives you 6 months from the date your Part B starts to buy any Medigap plan with no health screening. That window does not repeat on a schedule. If you miss it and want to switch later, insurers can ask about your medical history and may decline or exclude coverage for pre-existing conditions. Use the open enrollment calculator to confirm when your window opens. The Medigap vs Advantage calculator is a practical tool if you are still deciding which coverage structure makes sense for your situation.