Age is one of the main factors Medigap insurers consider when setting premiums. Your premium is the monthly fee you pay to stay enrolled in your Medicare Supplement Insurance plan.
Premiums generally increase as you age. When comparing Medigap quotes, it’s important to consider how your age may influence costs over time.
Average Medigap Premiums by Age
This guide outlines average monthly premiums for Plan G, Plan F, and Plan N between ages 65 and 85. The overall average monthly cost of a Medicare Supplement plan is $151.17, though prices vary.
| Age | Plan N Avg Cost | Plan F Avg Cost | Plan G Avg Cost |
|---|---|---|---|
| 65 | $112.08 | $163.92 | $144.17 |
| 70 | $124.67 | $184.25 | $155.25 |
| 75 | $138.33 | $218.92 | $182.75 |
| 80 | $164.58 | $260.08 | $213.00 |
| 85 | $168.00 | $308.50 | $269.67 |
Key Findings
- Plan N: Lowest average premium at age 65 ($111.92), highest by age 92 ($268.12). 10% of beneficiaries choose Plan N.
- Plan F: Lowest at age 66 ($147.17), highest by age 92 ($298.75). 36% of beneficiaries have Plan F.
- Plan G: Lowest at age 66 ($142.67), highest by age 98 ($319.38). 39% of beneficiaries choose Plan G.
In 2025, the average cost of Plan G is $155.33 per month, or $1,864 annually. Plan G is now the most popular Medigap plan since Plan F closed to new beneficiaries.
How These Plans Differ
- Plan F: Covers all 9 benefits available, including the Medicare Part B deductible.
- Plan G: Covers all except the Part B deductible ($257 in 2025).
- Plan N: Does not cover the Part B deductible or Part B excess charges. May require $20 doctor visit copays and up to $50 ER copays (no admission).
Tip: Since the 2025 Part B deductible is $257 (≈$21.50/month), if Plan G costs less than $21.50 more than Plan F, it may be the better value.
Eligibility Note
Plan F is not available to new Medicare beneficiaries after January 1, 2020. If you became eligible before that date, you may still enroll if offered in your area.
How Medigap Pricing Models Work
Insurers use three models to set Medigap premiums:
- Community-rated: Everyone pays the same premium regardless of age.
- Issue-age-rated: Premium is based on age at enrollment. Enrolling younger locks in lower rates.
- Attained-age-rated: Premiums rise as you age.
Premiums may increase over time regardless of pricing model. Inflation, medical costs, and insurer adjustments can all raise rates.
Other Factors Affecting Premiums
- Gender
- Smoking status
- Overall health
- State and ZIP code
Next Steps
Compare Medigap costs carefully before enrolling. Use our Compare Rates tool to see local premiums, or speak with a licensed insurance agent who can review your options.