Medigap Plan G Cost Calculator
Estimate your monthly Medigap Plan G premium for 2026 based on your age, gender, state, tobacco use, and rating method. Plan G is the most popular Medicare Supplement plan available to new enrollees.
10-Year Premium Projection
What Is Medigap Plan G?
Medigap Plan G is a federally standardized Medicare Supplement insurance plan that covers nearly all Medicare-approved out-of-pocket costs. Plan G covers the Medicare Part A coinsurance and hospital costs for an additional 365 days after Medicare benefits end, Part B coinsurance (20% of doctor visits and outpatient services), the first 3 pints of blood, hospice care coinsurance, skilled nursing facility coinsurance, Part A deductible, foreign travel emergency, and Part B excess charges. Plan G does NOT cover the Part B deductible ($257 in 2026) — the only difference from the now-discontinued Plan F (source: medicare.gov).
Plan G Premium Rating Methods
Three rating methods determine how your premium changes over time. Attained-age rating (used by most carriers) starts low at 65 and increases each year as you age — typical 4% to 6% annual increase plus inflation. Issue-age rating locks your rate based on the age you first enrolled — premiums still rise with inflation but not with your age. Community rating gives everyone in the same state the same premium regardless of age. Eight states require community rating: Arkansas, Connecticut, Maine, Massachusetts, Minnesota, New York, Vermont, and Washington (some with modifications). Community-rated premiums are higher at younger ages but more stable long-term.
Plan G Average Premiums by State (2026)
Average Plan G premiums for a 65-year-old non-smoker range from approximately $115/month in low-cost states (Texas, Arizona, Florida) to $200/month in average states (most of the country) to $290/month in high-cost states (New York, Connecticut, Massachusetts, parts of California). Female non-smokers typically pay 5-10% less than male smokers of the same age. By age 80, attained-age premiums often double the age-65 starting price. Always compare at least 5 carriers — Plan G is federally standardized so coverage is identical across carriers, only price differs (source: NAIC 2025 Medigap Premium Survey).
Plan G vs Plan N vs Medicare Advantage
Plan G has higher premiums but minimal out-of-pocket costs — best for people who use Medicare often. Plan N has lower premiums but you pay a $20 copay per doctor visit, $50 ER copay, and Part B excess charges yourself — saves money if you're healthy. Medicare Advantage replaces Original Medicare with a private plan, often with lower premiums but network restrictions and prior authorizations. Plan G works with any provider that accepts Medicare nationwide. Last updated: April 2026.
Frequently Asked Questions
What is Medigap Plan G?
Plan G is a federally standardized Medicare Supplement plan that covers nearly all Medicare-approved out-of-pocket costs except the Part B deductible ($257 in 2026). It is the most comprehensive plan available to new enrollees (source: medicare.gov).
How much does Medigap Plan G cost in 2026?
Average premiums for a 65-year-old non-smoker range from $115/month in low-cost states (TX, AZ, FL) to $200/month in average states to $290/month in high-cost states (NY, CT, MA). Premiums rise about 4-6% per year with attained-age rating.
What's the difference between attained-age and issue-age rating?
Attained-age rating starts cheaper at 65 but increases yearly as you age. Issue-age rating locks your rate at enrollment age — premiums still rise with inflation but not with your age. Issue-age is generally cheaper long-term if you live past 75.
Which states require community-rated Medigap?
Eight states use community rating (one rate for all ages): Arkansas, Connecticut, Maine, Massachusetts, Minnesota, New York, Vermont, and Washington. Premiums are higher at age 65 but more stable as you age.
Is Plan G better than Plan F?
Plan F was discontinued for new Medicare enrollees on January 1, 2020. People who became Medicare-eligible before then can still enroll. Plan G covers everything Plan F does except the $257 Part B deductible — typically $30-$50/month cheaper than Plan F.
Can I be denied Medigap Plan G?
During your 6-month Medigap Open Enrollment Period (starting the month you turn 65 and enroll in Part B), insurers cannot deny you or charge more for health conditions. Outside this window, medical underwriting may apply except in states with year-round guaranteed issue.
Does Medigap Plan G cover prescription drugs?
No. Plan G does not cover prescription drugs. You need a separate Medicare Part D plan for drug coverage. Plans that previously included drug coverage (Plan H, I, J) are no longer available.