What Is the Average Cost of Medicare Supplement Insurance Plan G? (Updated for 2025)

Medicare Supplement Insurance (Medigap) Plan G is the most popular Medigap plan available¹ and is designed to fill gaps left by Original Medicare. Plan G offers more coverage than any other Medicare Supplement Insurance plan.

Although Medigap Plan G provides a large amount of coverage, you might assume that the monthly costs are also the largest, but after reviewing the average cost of Medigap plan G, you might be surprised.

How Much Does Plan G Medicare Supplement Cost?

The average premium for Medicare Supplement Insurance Plan G in 2025 was roughly $155.33 per month, or $1,864 per year.² 39% of Medicare Supplement beneficiaries have Plan G.³

To give you a comparison, we've create a comparison table to compare the average costs of Plan G compared to other Medicare Supplement insurance plans in 2025.

The Average Cost of Medigap Plan G by age

Based on our analysis, Medicare Supplement Insurance Plan G premiums in 2025 were lowest were lowest for beneficiaries at age 66 ($142.67 per month) and highest for beneficiaries at age 98 ($319.38 per month).

Below is a chart that shows the average cost of Medicare Supplement Insurance Plan G by age.

Note: This data is based on internal sales data.

Each Medigap plan available is standardized by the government, and each individual plan offers a different level of coverage. 

Although the coverage options for each plan are standardized by the government, the actual price of each individual plan can vary depending on factors such as Age, Gender, Smoking Status, Health, and Location.

There are a few additional reasons monthly premiums might be higher for older beneficiaries, which include:

• If you sign up during your Medigap Open Enrollment Period, you will not have to go through Medical underwriting. If you wait until after this period, you may have to go through Medical Underwriting to determine your Medigap plan costs. Because of this, it's best to sign up during your Medigap Open Enrollment Period.
  
  Your Medigap Open Enrollment Period (OEP) is a 6-month period that starts as soon as you are at least 65 years old and enrolled in Medicare Part B.
  
  
• Medigap Plan pricing can also be affected by pricing model that the Medicare Supplement insurance carrier uses. Each pricing model takes different things into account, and will affect the price of the Medigap plan.
  
  
  • Community-rated
    With community-rated Medigap plans, every member of the plan pays the same rate, regardless of age.
    
    For example, an 87-year-old who enrolls in a community-rated Plan G will pay the same Medigap premiums as a 69-year-old beneficiary who has the same Plan G in the same area.
    
    
  • Issue-age-rated
    With issue-age-rated Medigap plans, premiums are based on your age at the time you enrolled in the plan.
    
    You will typically pay less for an issue-age-rated plan if you enroll in the plan when you're younger. Your premiums also won't increase based on your age.
    
    
  • Attained-age-rate
    Attained-age-rated Medigap plans set their premiums based on your current age. As you age, your Medigap plan premiums will gradually increase each year.

Along with this, Medicare Supplement Plans may increase in price over time due to inflation and other reasons. You can learn more about costs and pricing of Medicare Supplement plans by visiting the average cost of medicare supplement guide.

The Average Cost of Medigap Plan G by State

As mentioned above, where you are located can impact the average cost of Medigap Plan G and other Medigap plans. 

This chart outlines the average cost of Medigap Plan G plans by state:

Are Medicare Supplement Plan G Plans The Same In Every State?

Medicare Supplement Plan G plans (and all other Medicare Supplement Plans) are standardized by the government. This means that no matter what State you're located in, your Medicare Supplement Plan G will feature the same 8 coverage benefits.

1. Medicare Part A coinsurance and hospital costs (100% coverage)
2. Medicare Part B coinsurance and copayments (100% coverage)
3. Medicare Part A deductible (100% coverage)
4. Medicare Part B excess charges (100% coverage)
5. Medicare Part A hospice care coinsurance and copayments (100% coverage)
6. Skilled nursing facility care coinsurance (100% coverage)
7. First three pints of blood used for a transfusion (100% coverage)
8. Foreign travel emergency care (100% coverage)

Standard Plan G vs High-Deductible Plan G

There are technically two types of Plan G's to be aware of, Standard Plan G and a High-Deductible Plan G.

The High Deductible Plan G comes with a higher annual deductible, $2,870 in 2025. This means for any of your coverage to kick in, you'll need to spend $2,870 out of your own pocket. After that $2,870, then your High-Deductible Plan G coverage will kick in.

Although your annual deductible will be higher with a High-Deductible Plan G, High-Deductible Plan G plans should have a lower monthly premium. In 2025, the average monthly premium for a High-Deductible Plan G was $57.92 or $695 per year.

Find a Medigap Plan G in your area

As mentioned above, the actual cost for a Medigap Plan G in your area will depend on a multitude of factors. However, Medigap Plan G is the most popular Medicare Supplement plan for a reason. 

A licensed insurance agent can help you compare Medigap plan options available where you live so that you can find a plan that works for your health coverage and budget needs.