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The average cost of Medicare Supplement Insurance (Medigap) plans sold in 2018 was $125.93 per month.1
The average cost of a Medicare Supplement Insurance plan can vary based on a number of factors, such as age, gender, smoking status, health and where you live.
It's also important to note that each type of Medigap plan offers a different combination of standardized benefits. Plans with fewer benefits may offer lower premiums.
The chart below shows the average cost of each Medicare Supplement Insurance plan premium per month in 2018.
(Data excludes Plan K and Plan L, which have a combined enrollment of fewer than 1.5% of all Medigap beneficiaries).2
| Plan | Monthly Premium | Annual Premium |
|---|---|---|
| A | $192.33 | $2,308 |
| B | $141.24 | $1,695 |
| C | $189.88 | $2,279 |
| D | $157.33 | $1,888 |
| F | $169.14 | $2,030 |
| High deductible F | $57.16 | $686 |
| G | $122.78 | $1,473 |
| J | $160.07 | $1,921 |
| K | N/A | N/A |
| L | N/A | N/A |
| M | $218.75 | $2,625 |
| N | $111.28 | $1,335 |
* Medigap Plan J was discontinued for new enrollees in 2010. Only beneficiaries who enrolled in the plan prior to that time may be currently enrolled in Plan J.
Your age can have an effect on your Medigap premium.
The chart below shows the average cost of Plan F and Plan G (two Medigap plans that cover more Medicare costs than other Medigap plans) by age in 2018.1
| Average Monthly Cost of Plan F | Age in Years | Average Monthly Cost of Plan G |
|---|---|---|
| $146.55 | 64 | $113.14 |
| $148.88 | 65 | $113.52 |
| $147.81 | 66 | $114.91 |
| $149.26 | 67 | $114.80 |
| $150.84 | 68 | $116.98 |
| $153.28 | 69 | $120.60 |
| $158.82 | 70 | $124.63 |
| $163.34 | 71 | $126.73 |
| $171.61 | 72 | $130.38 |
| $170.24 | 73 | $135.64 |
| $174.07 | 74 | $139.60 |
| $186.48 | 75 | $145.20 |
| $182.56 | 76 | $148.08 |
| $193.75 | 77 | $151.61 |
| $194.63 | 78 | $156.32 |
| $202.12 | 79 | $165.75 |
| $221.05 | 80 | $164.29 |
| $226.93 | 81 | $168.54 |
| $236.53 | 82 | $171.52 |
| $220.81 | 83 | $177.70 |
| $225.56 | 84 | $179.93 |
| $234.20 | 85 | $184.22 |
Companies that sell Medicare Supplement Insurance can use one of the three following pricing models to determine plan premiums.
Medigap premiums can also increase over time due to inflation and other factors, regardless of the pricing model your insurance company uses.
Or call now to speak with a licensed insurance agent:
Medicare Supplement Insurance premiums can vary based on where you live.
The chart below shows the average monthly premium paid for Medigap Plan G in 2018 in each state.1
| State | Monthly Cost | Rank from least expensive (1) to most expensive (51) |
|---|---|---|
| Alabama | $118.35 | 19 |
| Alaska | $117.64 | 17 |
| Arizona | $128.93 | 30 |
| Arkansas | $141.51 | 37 |
| California | $162.93 | 45 |
| Colorado | $127.76 | 29 |
| Connecticut | $227.06 | 49 |
| Delaware | $150.99 | 42 |
| Florida | $191.08 | 47 |
| Georgia | $129.54 | 31 |
| Hawaii | $102.83 | 2 |
| Idaho | $136.34 | 35 |
| Illinois | $123.32 | 26 |
| Indiana | $113.40 | 13 |
| Iowa | $102.87 | 3 |
| Kansas | $119.94 | 21 |
| Kentucky | $117.48 | 16 |
| Louisiana | $129.89 | 32 |
| Maine | $211.88 | 48 |
| Maryland | $145.54 | 39 |
| Massachusetts | $117.46 | 15 |
| Michigan | $123.69 | 27 |
| Minnesota | $118.67 | 20 |
| Mississippi | $121.44 | 24 |
| Missouri | $145.89 | 40 |
| Montana | $125.36 | 28 |
| Nebraska | $108.85 | 7 |
| Nevada | $135.62 | 34 |
| New Hampshire | $157.96 | 44 |
| New Jersey | $155.25 | 43 |
| New Mexico | $105.26 | 4 |
| New York | $304.72 | 51 |
| North Carolina | $105.84 | 5 |
| North Dakota | $120.77 | 22 |
| Ohio | $121.07 | 23 |
| Oklahoma | $112.78 | 11 |
| Oregon | $141.56 | 38 |
| Pennsylvania | $133.36 | 33 |
| Rhode Island | $147.55 | 41 |
| South Carolina | $108.91 | 8 |
| South Dakota | $106.21 | 6 |
| Tennessee | $113.89 | 14 |
| Texas | $117.67 | 18 |
| Utah | $112.70 | 10 |
| Vermont | $264.25 | 50 |
| Virginia | $112.80 | 12 |
| Washington | $174.32 | 46 |
| West Virginia | $109.44 | 9 |
| Wisconsin | $102.23 | 1 |
| Wyoming | $122.46 | 25 |
You can use the chart below to compare the benefits offered by each of the 10 standardized Medicare Supplement Insurance plans available in most states.
Because Medigap plans are sold by private insurance companies such as Aetna, the cost of each plan can vary from one carrier to the next, but we have a guide on medigap costs!
Some companies that sell Medicare Supplement Insurance may offer discounts to women, non-smokers and other enrollees, as well as married couples.
If you don't sign up for a Medicare Supplement Insurance plan when you first become eligible or when you have a guaranteed issue right, you could be subject to medical underwriting.
That means the insurance company selling the plan can base your premium on the status of your health. The worse your health, the higher your premiums might be. Depending on your health, you could even be denied a Medigap plan all together.
If you sign up for a Medigap plan during your Medigap Open Enrollment Period (OEP), you do not have to go through medical underwriting.
Your Medigap Open Enrollment Period starts as soon as you are at least 65 years old and enrolled in Medicare Part B.
In addition to your Medigap OEP, there are several Medigap guaranteed issue rights that allow you to sign up for a Medigap plan without medical underwriting. However, your choice of plan type may be limited.
Or call now to speak with a licensed insurance agent:
A licensed insurance agent can help you compare the average costs of Medicare Supplement Insurance plans that are available in your area.
Or call 1-800-995-4219 to speak with a licensed insurance agent.
1 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.
2 AHIP. State of Medigap 2018 Trends in Enrollment and Demographics. (June, 2018). Retrieved from www.ahip.org/wp-content/uploads/2018/06/State_of_Medigap18_FINAL.pdf.
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.
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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