What Is The Average Cost of Medicare Part C (Medicare Advantage)?

The average premium for a Medicare Part C plan (also known as Medicare Advantage) is $11.64 per month in 2026.¹

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.

It’s important to note that Medicare Advantage plans and Medicare Supplement Insurance (Medigap) are not the same thing. You cannot have an active Medicare Advantage plan and an active Medigap plan at the same time.

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.

How Much Is Medicare Monthly Cost for Part C in Each State?

The chart below shows the average monthly premium cost for Medicare Part C plans by state in 2026.

Medicare Advantage is not sold in Alaska.

What Other Costs Do Medicare Advantage Plans Have in 2026?

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.

• 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.

Does Medicare Part C Cover Prescriptions?

Medicare Advantage plans can include prescription drug coverage. These types of plans are called Medicare Advantage Prescription Drug (MAPD) plans.

Medicare Advantage plans must offer at least the same benefits that are covered by Original Medicare Part A (hospital insurance) and Part B (medical insurance).

Medicare Advantage plans can also offer extra benefits that Original Medicare doesn’t cover.

Not all benefits are available in all plans — benefits can vary widely and plans in your area may not offer the benefits above.

Do I Need Part C of Medicare?

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.

Again, it’s important to note that Medicare Advantage plans and Medicare Supplement Insurance are not the same thing. You cannot have a Medicare Advantage plan and a Medicare Supplement plan at the same time.