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The Average Cost of Medicare: Ranked by State

Christian Worstell by Christian Worstell Published Reviewed by John Krahnert

The average cost of Original Medicare (Part A and Part B) doesn’t differ much from one state to another. Original Medicare has standardized 2019 costs set by the federal government.

But Medicare Advantage (Part C) plans, Medicare prescription drug (Part D) plans and Medicare Supplement Insurance (Medigap) plans can vary based on a number of factors, including location.

How do the average monthly plan premiums in your state compare?

In this guide, you can review the average monthly premiums for Medicare Advantage plans, Medicare Part D plans and Medicare Supplement Insurance plans in each state.

A couple calculates costs in their home

Average Cost of Medicare Advantage Plans by State

The chart below shows the average monthly premium for Medicare Advantage plans in 2018 in each state.1

  • National average premium: $35.55 per month

  • States with the lowest average premiums: Florida, Iowa, Arizona, Louisiana, Texas

  • States with the highest average premiums: Minnesota, North Dakota, Massachusetts, Hawaii, Pennsylvania

These plans provide the same benefits offered by Original Medicare, and many Medicare Advantage plans offer additional benefits such as prescription drug coverage and routine hearing and dental care.

*Medicare Advantage is not sold in Alaska, and data was not made available for Wyoming or Washington, D.C.   

StateMonthly CostRank from least expensive (1) to most expensive (48)
Alabama$22.9915
AlaskaNo plans availableN/A
Arizona$8.633
Arkansas$26.4619
California$32.8725
Colorado$19.9813
Connecticut$39.2028
Delaware$38.6827
Washington D.C.Data not availableN/A
Florida$3.341
Georgia$17.0111
Hawaii$88.1045
Idaho$63.4639
Illinois$20.1514
Indiana$25.9717
Iowa$7.622
Kansas$15.349
Kentucky$48.5832
Louisiana$8.884
Maine$16.8210
Maryland$60.4137
Massachusetts$96.5846
Michigan$53.4835
Minnesota$131.7348
Mississippi$23.8316
Missouri$10.968
Montana$68.4243
Nebraska$10.947
Nevada$10.456
New Hampshire$34.3226
New Jersey$26.0918
New Mexico$29.0421
New York$46.8931
North Carolina$50.1034
North Dakota$104.0447
Ohio$30.2323
Oklahoma$32.5324
Oregon$61.0138
Pennsylvania$78.6044
Rhode Island$41.8529
South Carolina$29.3522
South Dakota$66.9741
Tennessee$42.7230
Texas$10.115
Utah$27.4020
Vermont$17.1012
Virginia$49.3233
Washington$67.5342
West Virginia$54.3736
Wisconsin$66.1140
WyomingData not availableN/A

Average Cost of Medicare Part D Plans by State

The chart below lists the average monthly premium for Medicare Part D (prescription drug plans) plans by state.1

  • National average premium: $52.23 per month

  • States with the lowest average premiums: Delaware, Washington D.C., Maryland, Louisiana, Arizona

  • States with the highest average premiums: Utah, Idaho, California, Nevada, Colorado

These plans provide coverage exclusively for prescription drugs.

StateMonthly CostRank from least expensive (1) to most expensive (46)
Alabama$50.31T-19
Alaska$49.3617
Arizona$44.515
Arkansas$47.9514
California$63.7445
Colorado$62.2243
Connecticut$47.25T-8
Delaware$40.98T-1
Washington D.C.$40.98T-1
Florida$60.8143
Georgia$54.3136
Hawaii$46.387
Idaho$65.52T-46
Illinois$49.9118
Indiana$51.85T-23
Iowa$53.86T-30
Kansas$59.5641
Kentucky$51.85T-23
Louisiana$44.224
Maine$53.69T-28
Maryland$40.98T-1
Massachusetts$47.25T-8
Michigan$45.155
Minnesota$53.86T-30
Mississippi$46.236
Missouri$60.4642
Montana$53.86T-30
Nebraska$53.86T-30
Nevada$62.3744
New Hampshire$53.69T-28
New Jersey$51.4821
New Mexico$48.2415
New York$47.3012
North Carolina$48.3516
North Dakota$53.86T-30
Ohio$52.0025
Oklahoma$55.0737
Oregon$53.37T-26
Pennsylvania$55.53T-38
Rhode Island$47.25T-8
South Carolina$47.3713
South Dakota$53.86T-30
Tennessee$50.31T-19
Texas$51.7222
Utah$65.52T-46
Vermont$47.25T-8
Virginia$51.6621
Washington$53.37T-26
West Virginia$55.53T-38
Wisconsin$58.7240
Wyoming53.86N/A

Average Cost of Medicare Supplement Insurance by State

The chart below shows the average monthly cost of Medicare Supplement Insurance (Medigap) Plan G sold in 2018 for each state.2

  • National average premium: $122.78 per month

  • States with the lowest average premiums: Wisconsin, Hawaii, Iowa, New Mexico, North Carolina

  • States with the highest average premiums: New York, Vermont, Connecticut, Maine, Florida

Medicare Supplement Insurance provides coverage for deductibles, copayments and other out-of-pocket expenses brought on by Part A and Part B.

StateMonthly CostRank from least expensive (1) to most expensive (51)
Alabama$118.3519
Alaska$117.6417
Arizona$128.9330
Arkansas$141.5137
California$162.9345
Colorado$127.7629
Connecticut$227.0649
Delaware$150.9942
Florida$191.0847
Georgia$129.5431
Hawaii$102.832
Idaho$136.3435
Illinois$123.3226
Indiana$113.4013
Iowa$102.873
Kansas$119.9421
Kentucky$117.4816
Louisiana$129.8932
Maine$211.8848
Maryland$145.5439
Massachusetts$117.4615
Michigan$123.6927
Minnesota$118.6720
Mississippi$121.4424
Missouri$145.8940
Montana$125.3628
Nebraska$108.857
Nevada$135.6234
New Hampshire$157.9644
New Jersey$155.2543
New Mexico$105.264
New York$304.7251
North Carolina$105.845
North Dakota$120.7722
Ohio$121.0723
Oklahoma$112.7811
Oregon$141.5638
Pennsylvania$133.3633
Rhode Island$147.5541
South Carolina$108.918
South Dakota$106.216
Tennessee$113.8914
Texas$117.6718
Utah$112.7010
Vermont$264.2550
Virginia$112.8012
Washington$174.3246
West Virginia$109.449
Wisconsin$102.231
Wyoming$122.4625

Learn more about Medicare Supplement Insurance plans in your state or check out some blue cross blue shield medicare supplement plans!

Explore Medicare Supplement Plan Costs Where You Live

A licensed insurance agent can help you compare the costs for Medicare Supplement plans in your area.

Find a plan that fits your unique health care coverage and budget needs today.

 

Compare Medicare Supplement plan costs in your area.

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1 MedicareAdvantage.com's internal analysis of CMS Medicare Advantage landscape source files, May 2018. Data retrieved from https://www.cms.gov/Medicare/Prescription-Drug-Coverage/PrescriptionDrugCovGenIn. 

2 TZ Insurance Solutions LLC internal sales data, 2019. This data is based on the Medicare Supplement Insurance policies TZ Insurance Solutions LLC has sold. It is not a comprehensive national average of all available Medicare Supplement Insurance plan premiums.


 

Christian Worstell is a health care and policy writer for MedicareSupplement.com. He has written hundreds of articles helping people better understand their Medicare coverage options.

The Average Cost of Medicare: Ranked by State

About the author

Christian Worstell is a licensed insurance agent and a Senior Staff Writer for MedicareSupplement.com. He is passionate about helping people navigate the complexities of Medicare and understand their coverage options.

His work has been featured in outlets such as VoxMSN, and The Washington Post, and he is a frequent contributor to health care and finance blogs.

Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. He currently lives in Raleigh, NC.

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