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The average premium for a Medicare Part C plan (also known as Medicare Advantage) was $18.50 per month in 2024.1. Although average prices for 2025 haven't been compiled yet, we're expecting prices to stay similar or slightly above the $18.50 in 2024.
Medicare Advantage plans are sold by private insurance companies. Part C plan costs can vary depending on several factors, including what plan you have and where you live.
Current and new Medicare beneficiaries should learn more about enrolling in Medicare Part C and the costs involved.
This guide shows the average cost of Medicare Part C plans in each state.
The chart below shows the average Medicare monthly premium cost for Medicare Part C plans in 2024.1
*Medicare Advantage is not sold in Alaska.
Some Medicare Part C plans offer $0 premiums, though $0 premium Medicare Advantage plans aren’t available in all areas.
Part C plans may also include costs such as deductibles and coinsurance (or copayments).
A deductible represents the amount of money you must pay out of your own pocket for covered services during a calendar year before your Medicare Advantage plan coverage kicks in. Some Medicare Advantage plans may offer a $0 deductible.
Coinsurance or copayments are the portion of the bill that you must pay for covered services after you meet your annual deductible. Coinsurance is generally a percentage of the bill while copayments are typically a flat fee.
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Most Medicare Advantage plans include prescription drug coverage.
Medicare Advantage plans must offer at least the same benefits that are covered by Medicare Part A (hospital insurance) and Part B (medical insurance). Medicare Advantage plan carriers are able to also offer extra benefits that Original Medicare (Part A and Part B) don’t cover.
In addition to prescription drug coverage that is offered by many plans, some Part C plans may also cover some or all of the following:
Routine dental care
Vision exams and coverage for eyeglasses
Routine hearing care and coverage for hearing aids
Fitness memberships
Home modifications to aid with aging in place, such as bathroom grab bars
Non-emergency medical transportation, such as rides to the doctor’s office
Not all benefits are available in all plans — benefits can vary widely and plans in your area may not offer the benefits above.
Your health coverage needs may vary based on the types of health care services you anticipate needing in the coming year. You may also want to consider what works with your budget.
It’s important to note that Medicare Advantage plans and Medicare Supplement Insurance (Medigap) are not the same thing. You cannot have a Medicare Advantage plan and a Medigap plan at the same time.
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 Vox, MSN, 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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