Medicare Supplement Insurance Plan G Costs in 2025
Medigap Plan G is the most popular Medicare Supplement plan, chosen by nearly 40% of beneficiaries. It offers broad coverage for the gaps in Original Medicare — yet its monthly premiums are not always the highest compared to other options.
In 2025, the average premium for Plan G was $155.33 per month ($1,864 annually). Rates varied widely: as low as $142.67 at age 66, up to $319.38 at age 98. Actual costs depend on your age, state, and other factors.
Benefits offered by each Medigap plan
Compare the benefits of each lettered plan to help you find one that meets your needs now and in the future. You might not be able to switch Medigap policies later.
✔ = Plan covers 100% ✘ = Plan doesn’t cover % = Amount the plan covers
| Benefits | A | B | C | D | F | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance & hospital costs | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
| Part B copays/coinsurance | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Blood (first 3 pints) | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Part A hospice | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Skilled nursing facility | ✘ | ✘ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Part A deductible | ✘ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | 50% | ✔ |
| Part B deductible | ✘ | ✘ | ✔ | ✘ | ✔ | ✘ | ✘ | ✘ | ✘ | ✘ |
| Part B excess charges | ✘ | ✘ | ✔ | ✘ | ✔ | ✔ | ✘ | ✘ | ✘ | ✔ |
| Foreign travel emergency | ✘ | ✘ | 80% | 80% | 80% | ✘ | ✘ | ✘ | 80% | 80% |
| $7,220 | $3,610 | |||||||||
Average Plan G Premiums by State
Premiums for Plan G differ significantly depending on where you live. Below are sample averages for 2025:
| State | Avg. Monthly Premium |
|---|---|
| Alabama | $151.85 |
| California | $169.10 |
| Florida | $217.94 |
| Illinois | $146.31 |
| New York | $400.81 |
| Texas | $141.51 |
| Virginia | $234.75 |
| National Average | $155.33 |
Note: Data shown is from internal Medicare Supplement sales and may not reflect national averages.
Factors That Influence Plan G Costs
Even though Medigap plans are standardized (same benefits across all states), premiums vary. Key factors include:
- Age: Older beneficiaries often pay more under attained-age pricing.
- Enrollment Timing: Enrolling during your Medigap Open Enrollment Period avoids medical underwriting.
- Pricing Model:
- Community-rated – same price regardless of age
- Issue-age-rated – based on age when first enrolled
- Attained-age-rated – premiums increase as you age
- Location: State-specific pricing differences can be dramatic.
- Other factors: Gender, tobacco use, and inflation-related adjustments.
Standard vs. High-Deductible Plan G
Plan G comes in two versions:
- Standard Plan G: Average $155.33/month in 2025.
- High-Deductible Plan G: Lower premiums (average $57.92/month), but requires a $2,870 deductible before coverage begins.
Next Steps
Plan G remains the most popular Medigap option because of its strong coverage and predictable costs. To compare all available plans in your area and see pricing side by side, visit our Medigap comparison tool or review the average cost of Plan G guide. A licensed insurance agent can help you find the best match for your budget and health needs.