We've been helping people find their perfect Medicare plan for over 10 years.

How Much Do Medicare Supplement Insurance Plans Cost?

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.

A smiling couple holding hands and walking outside

What Is the Average Cost of Each Type of Medigap Plan?

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
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.

Does Medicare Supplement Insurance Cost More With Age?

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.

  • Community-rated – every member of the plan pays the same rate, regardless of age
  • Issue-age-rated – premium costs are based on your age at the time you enroll in the plan, with younger enrollees typically paying less than older enrollees
  • Attained-age-rated – your premium is based on your current age and gradually increases every year

Medigap premiums can also increase over time due to inflation and other factors, regardless of the pricing model your insurance company uses.

How Much Does Medigap Cost in Each State?

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
Washington D.C. $138.98 36
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

What Do Medigap Plans Cover?

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.

2019 Medigap plans comparison chart

Because Medigap plans are sold by private insurance companies, the cost of each plan can vary from one carrier to the next.

Some companies that sell Medicare Supplement Insurance may offer discounts to women, non-smokers and other enrollees, as well as married couples.

Can I Buy a Medicare Supplement Plan at Any Time?

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.

Compare Medigap Costs Where You Live

A licensed insurance agent can help you compare the average costs of Medicare Supplement Insurance plans that are available in your area.


Compare Medigap plan costs in your area.

Find a plan

Or call --ms-tfn-- 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.

Resource Center

Which 2019 Medicare Supplement Insurance Plan Is Right For You?

Medicare Supplement Insurance (Medigap) plans help cover some of the out-of-pocket costs of Medicare Part A and Part B (Original Medicare), such as de...

Read More

Find a Medicare Policy: Original Medicare and Private Medicare Plans

There are 4 primary parts of Medicare, which include some private Medicare policy options. Each part of Medicare covers can cover different needs and...

Read More

What Does Medicare Cost in 2019?

New to Medicare? Compare plan costs in your area. Find a plan Or call [link_phone] to speak with a licensed insurance agent. Each part of Medicare inc...

Read More

New to Medicare Series: Part 7

Exploring Your Medicare Options Now that you have a better understanding of Medicare and how it works, you can begin shopping for the type of coverage...

Read More

New to Medicare Series: Part 2

Glossary of Medicare Terms Medicare doesn’t have to be complicated, and learning important Medicare terms can help ensure you fully understand your co...

Read More

Ask a Licensed Insurance Agent

12 of Your Biggest Medicare Questions Answered There is a lot to understand about Medicare, and we're committed to helping you get the information you...

Read More

How to Find a Medicare Plan at Medicare.gov (2019 Update)

Medicare.gov makes it simple to find Medicare plans in your area. By filling out a brief questionnaire, you can see a list of Medicare options that ma...

Read More

What Does Original Medicare Cover?

Medicare Part A and Medicare Part B each provide coverage for different types of services. If you require a specific health test or medical procedure,...

Read More

Retirement health insurance options

After you retire, you have a wide variety of health insurance options available. Your best option will depend on your needs, your budget, and your eli...

Read More