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How much does Medicare Supplement Insurance plan N cost? This guide shows the average cost of Medigap Plan N by age and by state, as well as the average costs for other Medigap plans.
Medicare Supplement Insurance (Medigap) Plan N is the 3rd most popular Medigap plan, with roughly 10% of all Medigap beneficiaries having Plan N.1
Medigap Plan N offers a large amount of coverage, similar to Medigap Plan G, although with Plan N you will have copays for certain doctor visits and emergency room visits.
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The average premium for Medicare Supplement Insurance Plan N in 2025 was roughly $128.08 per month, or $1,537 per year.2
Below you will find a comparison between the average of costs of Medigap Plan N and other popular Medigap plans.
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Based on our analysis, Medicare Supplement Insurance Plan N premiums in 2025 were lowest for beneficiaries at age 65 ($111.92 per month) and highest for beneficiaries at age 92 ($268.12 per month).
Below is a chart that shows the average cost of Medicare Supplement Insurance Plan N by age.
Note: This data is based on internal sales data.
Note: This data was extracted using internal Medicare Supplement sales data, it does not represent a national average.
Medicare Supplement (Medigap) plan costs can vary widely depending on where you live, even though the benefits are standardized by the federal government. This is primarily due to differences in local healthcare costs, state regulations, and insurer competition. For example, areas with higher medical service costs—like large cities—often have higher premiums, while rural areas may see lower prices. Additionally, some states require insurers to use specific pricing methods, such as community rating, which can raise or lower premiums depending on your age and health status.
Other factors that affect pricing include the number of insurers operating in your area, the local population’s health risk profile, and whether household discounts or other state-specific incentives are available. So even though a Plan G offers the same coverage nationwide, its monthly premium could be significantly different in Florida than in Iowa.
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.
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Location can influence the average price of Medicare supplement plans.
This chart outlines the average cost of Medigap Plan N plans by state:
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Yes, Medicare Supplement Plan N offers the same coverage and benefits in each state, because they are standardized by the federal government. This means the benefits and coverage will be the same no matter where you're located, although price can fluctuate depending on a variety of factors. Here is what Medicare Plan N covers:
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Above we covered the average costs for Plan N based on age as well as what state you're located in. If you are interested in Medigap Plan N, it may make sense to compare prices and availability in your area.
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.
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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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