What does Medicare Supplement Insurance Plan N cost in 2025? This guide breaks down average premiums for Medigap Plan N by age and state, with comparisons to other Medigap plans. You’ll also find details on coverage, pricing factors, and tips for comparing policies in your area.
Plan N at a Glance
Plan N is the third most popular Medigap plan nationwide, covering about 10% of all beneficiaries. It provides broad coverage similar to Medigap Plan G, but requires small copayments for certain doctor visits and emergency room services. This balance of strong coverage and lower premiums makes Plan N attractive to many Medicare enrollees.
Average Monthly Premiums for Plan N
- In 2025, the average premium for Plan N was $128.08 per month (about $1,537 annually).
- At age 65, the lowest average premium was $111.92/month.
- At age 92, the highest average premium was $268.12/month.
The chart below shows how Plan N premiums increase with age across different insurers and states.
Why Costs Vary by State
Medigap benefits are standardized federally, but prices vary widely by location. Key factors influencing costs include:
- Geography: Urban areas with higher medical costs often have higher premiums.
- State rules: Some states use community rating, while others allow age-based pricing.
- Competition: The number of insurers offering plans in your area affects pricing.
- Demographics: The health risk profile of the local population can shift rates.
- Discounts: Household or state-specific discounts may reduce premiums.
Example: Identical Plan N benefits may cost far more in Florida than in Iowa, even though coverage is exactly the same.
Other Pricing Factors
In addition to location, Medigap premiums are influenced by:
- Age (community-rated, issue-age-rated, or attained-age-rated pricing models)
- Gender
- Smoking status
- Health history (if applying outside your Medigap Open Enrollment Period)
- Inflation and insurer adjustments over time
For a broader overview, see our average cost of Medicare Supplement plans guide.
What Plan N Covers
Plan N includes the same standardized benefits in every state:
- Part A coinsurance and hospital costs
- Part B coinsurance and copayments (with small copays required at some office and ER visits)
- First 3 pints of blood
- Part A hospice care coinsurance
- Skilled nursing facility coinsurance
- Part A deductible
- Foreign travel emergency coverage (up to plan limits)
Note: Plan N does not cover the Part B deductible or Part B excess charges.
Average Plan N Cost by State
The chart below highlights average 2025 Plan N premiums by state. Remember: benefits are identical everywhere, but prices vary based on state-specific factors.
Take the Next Step
Considering Plan N? Compare premiums and availability in your area to find the right fit for your health and budget. Use our Medigap Plan Comparison Tool or contact us to connect with a licensed agent who can guide you through your options.