Medigap Plan G Cost by State and Age: What You’ll Pay at 65, 75 and Beyond

Medicare Supplement Plan G is the most popular Medigap plan for people new to Medicare. It covers nearly all the costs Original Medicare leaves behind, except the yearly Part B deductible ($283 in 2026). That predictability comes at a price, and the price varies enormously depending on where you live, how old you are and which insurer you choose.

The coverage is the same everywhere. Federal law standardizes Medigap plans, so Plan G from one company covers exactly what Plan G from another covers. Only the price and the company’s service differ. That makes comparison shopping unusually worthwhile.

Average Plan G cost at 65 and 75

MoneyGeek collected 16,954 quotes from Medicare.gov across all states in November 2025, reflecting 2026 plan year prices. The national averages:

Plan	Average monthly premium at 65	At 75
Plan G	$220	$279
Plan N	$171	$221
High-deductible Plan G	$61	Not reported

At these averages, Plan G costs about $2,640 a year at 65 and about $3,350 a year at 75, a 27% increase over ten years before any general rate increases.

Other sources report lower national figures, such as about $159 a month for a 65-year-old woman who does not use tobacco. The difference comes from method: averages across every insurer’s quote run higher than the price a careful shopper typically pays, because the cheapest insurers in each state are often far below the average.

Plan G cost by state

State	Average Plan G premium at 65 (per month)	Per year	Community-rated state
South Carolina	$169	$2,028	No
New Mexico	$171	$2,052	No
North Carolina	$174	$2,088	No
Tennessee	$181	$2,172	No
Mississippi	$183	$2,196	No
Ohio	$185	$2,220	No
West Virginia	$186	$2,232	No
North Dakota	$187	$2,244	No
Indiana	$189	$2,268	No
Virginia	$189	$2,268	No
Iowa	$191	$2,292	No
Oklahoma	$193	$2,316	No
Hawaii	$194	$2,328	No
Montana	$198	$2,376	No
Kansas	$199	$2,388	No
Utah	$199	$2,388	No
Alaska	$200	$2,400	No
New Jersey	$201	$2,412	No
Texas	$202	$2,424	No
Delaware	$203	$2,436	No
Rhode Island	$205	$2,460	No
South Dakota	$206	$2,472	No
Kentucky	$208	$2,496	No
Alabama	$209	$2,508	No
Louisiana	$209	$2,508	No
Nebraska	$209	$2,508	No
Wisconsin	$211	$2,532	No
Michigan	$213	$2,556	No
Arkansas	$216	$2,592	Yes
Wyoming	$216	$2,592	No
Illinois	$217	$2,604	No
Colorado	$218	$2,616	No
California	$222	$2,664	No
Georgia	$222	$2,664	No
Nevada	$223	$2,676	No
Pennsylvania	$229	$2,748	No
Arizona	$231	$2,772	No
Massachusetts	$235	$2,820	Yes
Maryland	$239	$2,868	No
Oregon	$239	$2,868	No
Idaho	$240	$2,880	No
New Hampshire	$241	$2,892	No
Minnesota	$250	$3,000	Yes
Missouri	$257	$3,084	No
Washington	$269	$3,228	Yes
Vermont	$271	$3,252	Yes
Maine	$291	$3,492	Yes
Connecticut	$344	$4,128	Yes
Florida	$359	$4,308	No
New York	$483	$5,796	Yes

Source: MoneyGeek analysis of Medicare.gov quotes collected November 2025 for the 2026 plan year, average premium for a 65-year-old. Community-rated states are those commonly identified as requiring insurers to charge the same premium regardless of age.

Why New York and Florida cost the most

New York ($483 at 65) uses community rating, which means everyone pays the same price regardless of age, and it allows people to buy Medigap at any time without health questions. A 65-year-old pays more than in most states, but an 85-year-old pays the same, which can make New York cheaper over a long retirement.

Florida ($359 at 65) has high health care use among its large retiree population and relatively high medical costs.

The cheapest states at 65 were South Carolina ($169), New Mexico ($171), North Carolina ($174), Tennessee ($181) and Mississippi ($183).

How insurers price Plan G

Insurers use one of three methods, and it affects what you will pay over time far more than the starting price.

Pricing method	How it works	What it means for you
Attained age	Premium rises as you get older	Cheapest at 65, rises every year; the most common method
Issue age	Premium is based on your age when you buy	Does not rise because of age, only for general rate increases
Community rated	Everyone pays the same, regardless of age	Higher at 65, often cheaper in your 80s

All three can also rise because of medical inflation. Several large insurers raised Plan G premiums by 12% to 26% for 2026, according to actuarial analysis cited by CompareMedicare. That is why the insurer’s history of rate increases matters as much as its starting price.

Plan G vs Plan N vs high-deductible Plan G

Plan G covers everything except the Part B deductible. Most predictable.

Plan N costs about $50 a month less on average. You pay up to $20 for some office visits, up to $50 for emergency room visits that do not lead to admission, and any “excess charges” from doctors who charge more than Medicare allows.

High-deductible Plan G has a very low premium, around $61 a month at 65, but you pay a yearly deductible of nearly $3,000 before it covers anything. It suits healthy people with savings who want protection mainly against large bills.

The timing rule that matters most

For six months after you enroll in Medicare Part B at 65 or older, you have a Medigap open enrollment period. During that time, any insurer must sell you any Medigap policy it offers in your state, at its standard price, regardless of your health.

After that window closes, most states allow insurers to ask health questions and turn you down or charge more. That can make it hard to switch to a cheaper Plan G later, or to move from Medicare Advantage back to Original Medicare with a supplement.

Some states have extra protections:

New York and Connecticut let people buy Medigap year-round without health questions.

A number of states, including California and Oregon, have a birthday rule that gives an annual window around your birthday to switch to a plan with equal or lesser benefits without underwriting. Missouri has a similar anniversary rule. One 2026 guide counted 16 states with birthday-rule style protections.

How to pay less for Plan G

Compare every insurer in your ZIP code on Medicare.gov’s plan finder or through an independent agent. The same Plan G can differ by $80 a month or more.

Ask about household discounts. Many insurers give 5% to 12% off if you live with a spouse or partner who also has a policy.

Check the company’s rate history. Your state insurance department may publish past increases.

Consider issue-age or community-rated policies if available, especially if you expect a long retirement.

Don’t smoke, or quit. Tobacco users often pay considerably more.

Review each year if you live in a birthday rule state.

Budgeting Plan G into retirement

A couple both 65 paying the national average would spend about $5,280 a year on Plan G alone, before Part B premiums, a drug plan or dental coverage. By 75, that could be around $6,700. Add those numbers to your retirement budget, and plan for them to keep rising.

If you are in your early 60s

Decide between Original Medicare with a supplement and Medicare Advantage before you turn 65. Your first decision is the easiest one to change in the wrong direction and the hardest to undo, because of the Medigap health questions after your open enrollment window.

Frequently asked questions

How much does Plan G cost per month? About $220 at 65 on average across 2026 quotes, with state averages from $169 to $483. Careful shoppers often pay less than the average.

Why does Plan G go up every year? Most policies are priced on your current age, so premiums rise as you get older. They also rise with medical costs in your area.

Is Plan G worth it? It gives the most predictable costs of any Medigap plan available to new enrollees. Whether it is worth the premium depends on your health, budget and how much you value predictable bills.

Can I switch Medigap plans later? Yes, but outside your open enrollment period and any state protections, insurers can usually ask health questions and deny coverage.