The Average Cost of Medicare Supplement Plan F by Age and State (2025)
What is the cost of Medicare Supplement Insurance Plan F? This guide breaks down the average costs of Medigap Plan F by age and by state, updated with 2025 data. You’ll also find comparisons with other Medigap plans, an overview of pricing models, and details on the high-deductible Plan F option.
Average Monthly Premiums for Plan F
Medigap Plan F is the most comprehensive of the standardized Medigap plans. While some Medicare beneficiaries assume Plan F (sometimes mistakenly called “Part F”) is always the most expensive, actual data shows a more nuanced picture.
- In 2025, the average premium for Plan F was $227.83 per month (about $2,734 annually).
- Approximately 36% of Medigap enrollees are covered under Plan F.
- Costs varied significantly by age, from $147.17/month at age 65 to $298.75/month at age 92.
The chart below shows how premiums typically rise with age for Plan F enrollees.
Why Costs Vary
Several factors influence the cost of a Medigap plan:
- Age at enrollment
- Gender
- Smoking status
- Health history (if applying outside your Medigap Open Enrollment Period)
- Your location and local insurance competition
Tip: Enrolling during your six-month Medigap OEP ensures you can buy any Medigap policy at the best available price without medical underwriting.
How Insurers Price Medigap Plans
Medicare Supplement Insurance companies use three pricing models to set premiums:
- Community-rated – Everyone pays the same premium, regardless of age.
- Issue-age-rated – Premiums are based on your age when you first enroll. Younger enrollees generally pay less, and rates do not increase due to age.
- Attained-age-rated – Premiums start lower but increase as you age.
Regardless of pricing model, premiums can still rise due to inflation, health care costs, or other insurer adjustments.
Average Cost of Plan F by State
Plan F is federally standardized, meaning the benefits are identical in every state. However, costs vary widely due to local pricing, competition, and demographics. The chart below highlights average 2025 Plan F premiums by state.
What Plan F Covers
Plan F covers all nine standardized Medigap benefit areas, making it the most comprehensive plan:
- Part A coinsurance and hospital costs
- Part B coinsurance and copayments
- First 3 pints of blood
- Part A hospice care coinsurance
- Skilled nursing facility coinsurance
- Part A deductible
- Part B deductible
- Part B excess charges
- Foreign travel emergency coverage (up to plan limits)
The High-Deductible Plan F Option
High-deductible Plan F is a lower-premium alternative. In 2025, the deductible was $2,870. After you meet this deductible, the plan covers 100% of your Medicare out-of-pocket costs.
- Average monthly premium in 2025: $82.50 (about $990 annually).
- Offers the same benefits as standard Plan F once the deductible is met.
Important Eligibility Note
As of January 1, 2020, Plan F is no longer available to new Medicare beneficiaries. However, if you were eligible for Medicare before 2020, you can still buy Plan F (or switch to it) if it’s offered in your area.
Take the Next Step
Comparing Plan F costs across age, state, and pricing models helps you make the most informed choice. Use our Medigap Plan Comparison Tool to view side-by-side options, or contact us for personal guidance from a licensed insurance agent.