In 2025, the average monthly premium for Medicare Supplement Insurance (Medigap) plans was $169.42. Your cost may be higher or lower depending on age, gender, smoking status, health, and where you live.
Each Medigap plan letter provides a unique set of standardized benefits. Plans with fewer benefits usually have lower premiums. Learn more in our plan comparison chart.
Average Medigap Premiums by Plan (2025)
| Plan | Avg Monthly | Annual Premium | Compare |
|---|---|---|---|
| A | $215.58 | $2,587 | Compare Plans |
| B | $251.75 | $3,021 | Compare Plans |
| C | $204.58 | $2,455 | Compare Plans |
| D | $160.67 | $1,928 | Compare Plans |
| F | $227.83 | $2,734 | Compare Plan F |
| High-ded F | $82.50 | $990 | Compare High-ded F |
| G | $156.58 | $1,879 | Compare Plan G |
| J | $155.42 | $1,865 | N/A |
| N | $128.08 | $1,537 | Compare Plan N |
Average Cost of Plan G by Age (2025)
Plan G is the most popular Medigap plan. The chart below shows average monthly and annual costs by age.
| Age | Monthly Cost | Annual Cost |
|---|---|---|
| 65 | $143.64 | $1,723.64 |
| 70 | $154.72 | $1,856.59 |
| 75 | $182.09 | $2,185.12 |
| 80 | $212.42 | $2,549.08 |
| 85 | $269.68 | $3,236.16 |
| 90 | $273.69 | $3,284.27 |
| 95 | $272.04 | $3,264.50 |
| 98 | $319.38 | $3,832.50 |
Pricing Models Used by Insurers
Insurers use three models to set Medigap premiums:
- Community-rated: Everyone pays the same rate, regardless of age.
- Issue-age-rated: Premium based on age when you enroll. Younger applicants lock in lower starting rates.
- Attained-age-rated: Premium based on your current age and rises gradually each year.
Premiums may also increase due to inflation or company adjustments, no matter the model.
Average Cost of Plan G by State (2025)
Location matters. The table below shows the average monthly cost of Plan G in each state.
| State | Monthly Cost |
|---|---|
| Alabama | $151.85 |
| Alaska | $167.62 |
| Arizona | $160.40 |
| California | $169.10 |
| Florida | $217.94 |
| New York | $400.81 |
| Texas | $141.51 |
| Virginia | $234.75 |
| Wisconsin | $157.83 |
Note: Massachusetts, Minnesota, and Wisconsin use different standardized Medigap models. See all states.
Other Factors That Influence Costs
- Gender
- Smoking status
- Overall health
- Discounts (household, non-smoker, couples)
- When you enroll (open enrollment vs. guaranteed-issue rights)
Why Enrollment Timing Matters
Enroll during your Medigap Open Enrollment Period. This 6-month window begins when you turn 65 and are enrolled in Part B. During this time, insurers cannot deny you or raise premiums because of your health.
Outside of OEP, medical underwriting may apply, and poor health could mean higher rates or denial.
Next Steps
Compare Medigap costs in your state to find the best fit for your budget. Use our Compare Rates tool or speak with a licensed insurance agent for personalized guidance.