Medigap (Medicare Supplement Insurance) helps cover out-of-pocket costs from Original Medicare, but one of the most common questions is:
How much is Medigap insurance per month?
Costs vary widely based on location, age, gender, health status, insurer, tobacco use, and plan type. Premiums for the same plan can range from $50 to $300+ per month.
The best way to know your cost? Get a personalized quote, since rates differ by carrier.
Get a FREE Medicare Supplement Rate Comparison Report from Medicare.org.
Our report gives you the essential details you need to make an informed decision—no sales pressure, just transparent information.
Medicare.org is owned by Allstate but operates independently to provide unbiased rate information. We prioritize education, transparency, and your trust.
What Determines the Cost of Medigap Insurance?
Medigap prices aren’t fixed. Here’s what affects how much you’ll pay per month:
A. Personal Factors
- Location – Premiums vary by state and ZIP code.
- Age – Some insurers increase rates as you age (attained-age pricing).
- Gender – Women often pay lower premiums than men.
- Health Status – Underwriting may increase your costs if you apply outside Open Enrollment.
- Tobacco Use – Smokers pay higher premiums for Medigap policies.
B. Plan & Insurer Factors
- Amount of Coverage – Plans with more benefits cost more (e.g., Plan G vs. Plan A).
- Insurance Carrier – Different insurers charge different prices for the same plan.
- Pricing Method Used:
-
- Community-rated – Everyone pays the same price, regardless of age.
- Issue-age-rated – Premiums are based on your age when you enroll (they don’t increase with age).
- Attained-age-rated – Premiums start lower but increase over time.
How Much Is Medigap Insurance Per Month?
Estimated costs depend on your personal factors. Here’s a general price range:
A. Medigap Monthly Cost Ranges by Plan Type
| Medigap Plan Type | Estimated Monthly Cost Range |
|---|---|
| Medicare Supplement Plan A | $118–$891 |
| Medicare Supplement Plan B | $176–$445 |
| Medicare Supplement Plan C | $187–$548 |
| Medicare Supplement Plan D | $149–$354 |
| Medicare Supplement Plan F | $142–$606 |
| Medicare Supplement High-Deductible Plan F | $44–$81 |
| Medicare Supplement Plan G | $118–$573 |
| Medicare Supplement High-Deductible Plan G | $37–$84 |
| Medicare Supplement Plan K | $73–$184 |
| Medicare Supplement Plan L | $120–$271 |
| Medicare Supplement Plan M | $85–$231 |
| Medicare Supplement Plan N | $90–$507 |
Disclaimer: Medigap premiums vary based on location, age, gender, health status, insurer, and tobacco use. The figures above represent estimated price ranges and may not reflect actual rates in your area.
Source: Medicare.gov – Find a Medigap Policy
Find Medigap Costs in Your State
Medigap prices vary by state. Click your state below to check local rates:
Why Getting a Medigap Quote Is Essential
Why should you get a quote instead of relying on online price estimates?
- Rates change frequently – published averages may not be accurate.
- Most online sources show limited insurers – we compare all available carriers.
- You could save money – one insurer may charge $200 for Plan G, while another charges $150 for the same plan.
Get a FREE Medicare Supplement Rate Comparison Report from Medicare.org.
Our report gives you the essential details you need to make an informed decision—no sales pressure, just transparent information.
Medicare.org is owned by Allstate but operates independently to provide unbiased rate information. We prioritize education, transparency, and your trust.
Frequently Asked Questions (FAQ)
Q1: Why does Medigap cost more in some states?
State regulations, healthcare costs, and insurance competition affect pricing.
Q2: Will my Medigap premium increase every year?
If your plan is attained-age-rated, yes. If it’s issue-age or community-rated, no increase due to age.
Q3: Do all insurers charge the same price for Medigap?
No! The same Plan G policy could cost $50–$100 more per month from different insurers.
Q4: What’s the cheapest Medigap plan?
Plan K and High-Deductible Plan G tend to have the lowest premiums but higher out-of-pocket costs.
Q5: How do I find the best Medigap rate?
Compare quotes from multiple insurers—our free tool does this for you.
Conclusion
- Medigap costs vary by location, age, health status, insurer, etc.
- Different companies charge different rates for the same plan.
- Getting quotes is the best way to know your actual cost.
Want to see Medigap prices in your area? Get a personalized quote now!