Medigap premiums are set by private insurers, so there is no single 2027 price. Plan G commonly runs about $120 to $300+ a month, Plan N about $100 to $220, and high-deductible Plan G about $40 to $90, depending on your state, age, sex and tobacco use. For 2027, CMS raised the high-deductible Plan G deductible to $3,050 (from $2,950). Get quotes from several insurers for the same plan letter, since benefits are identical.
| Medigap figure | 2026 | 2027 |
|---|---|---|
| High-deductible Plan G and F deductible | $2,950 | $3,050 (CMS) |
| Part B deductible (you pay this with Plan G) | $283 | Due from CMS mid-November |
| Part A hospital deductible (Plan G covers it) | $1,736 | Due from CMS mid-November |
| Typical Plan G premium | $120 to $300+ a month, varies by state and insurer | |
| Typical Plan N premium | $100 to $220 a month | |
Premium ranges are illustrative national estimates. Your quote depends on ZIP code, age, sex, tobacco use and the insurer’s pricing method.
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We do not offer every plan available in your area. Currently we represent 305 organizations which offer 6,225 products. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. SeniorAffair is not affiliated with or endorsed by the U.S. government or the federal Medicare program.
Unlike Medicare Part B, which has a standard national premium, Medigap pricing is set entirely by private insurers and regulated at the state level. That means your neighbor two states away could be paying half — or double — what you pay for the exact same Plan G benefits. This guide explains what actually drives Medigap pricing and how to shop smart regardless of where you live.
The Three Ways Insurers Price Medigap
| Pricing Method | How It Works | Long-Term Impact |
|---|---|---|
| Community-rated | Everyone pays the same premium regardless of age (may still adjust for inflation) | Predictable; doesn’t rise just because you get older |
| Issue-age-rated | Premium is based on your age when you first bought the policy and never increases due to aging | Buying young locks in a lower base rate for life |
| Attained-age-rated | Premium starts lower but increases every year as you get older | Cheapest at first, but rises steadily over decades |
Attained-age-rated policies are the most common nationally and often look like the cheapest option when you first enroll—but they can become significantly more expensive over a 15–20 year retirement. Community-rated and issue-age-rated policies tend to be more predictable over the long run, even if the starting price is higher.
Why State Matters So Much
Each state’s insurance department regulates Medigap differently—some mandate community rating (Arkansas, Connecticut, Massachusetts, Maine, Minnesota, New York, Vermont, and Washington are commonly cited examples), some allow all three pricing methods, and some states have far more competing carriers than others, which drives prices down through competition. States with fewer insurers or stricter guaranteed-issue mandates (which spread risk across a broader population) tend to have higher average premiums, while states with more competition and looser rules often show a wider range of prices—meaning more opportunity to shop around and save.
Other Factors That Affect Your Premium
- Age: Especially under attained-age-rated policies, premiums typically rise with age.
- Gender: Many insurers price men and women differently, reflecting differing average healthcare utilization.
- Tobacco use: Smokers typically pay a surcharge, similar to life insurance pricing.
- Household discounts: Many carriers offer a discount (often 5–12%) if you or a spouse/partner also holds a policy with them.
- Plan letter: More comprehensive plans like G cost more than leaner options like A or high-deductible variants.
- Carrier overhead and claims history: Larger, more efficient insurers can sometimes offer lower rates for identical coverage.
Typical Premium Ranges by Plan (National Snapshot)
| Plan | Typical Monthly Range |
|---|---|
| Plan A | $80–$180 |
| Plan N | $100–$220 |
| Plan G | $120–$300+ |
| High-Deductible Plan G | $40–$90 |
💡 These ranges are illustrative national estimates only—actual premiums vary significantly by state, insurer, and personal rating factors. Always request current, personalized quotes for your zip code before deciding.
The High-Deductible Plan G Option
For budget-conscious shoppers, High-Deductible Plan G offers the same comprehensive benefits as standard Plan G, but you pay a set annual deductible out of pocket before the plan starts covering costs. In exchange, the monthly premium is dramatically lower—often a fraction of standard Plan G. This can be an excellent option for healthy retirees who want catastrophic protection without paying for first-dollar coverage they may not use.
How to Actually Lower Your Medigap Cost
- Compare multiple carriers for the same plan letter — since benefits are identical, price is the main variable. See Medigap Plan Letters Explained for what each letter covers.
- Consider Plan N instead of Plan G if you don’t mind small copays—see our Plan G vs. Plan N comparison.
- Ask about household/multi-policy discounts.
- Re-shop periodically even after you’re enrolled—switching carriers for identical coverage at a lower price is possible in many cases. See Switching Medigap Plans.
- Enroll during your Open Enrollment window to guarantee the best available rate without underwriting — see Medigap Open Enrollment Period.
Get personalized Medigap quotes for your zip code and compare carriers side by side.
Frequently Asked Questions
How much does Medigap Plan G cost in 2027?
Plan G commonly costs about $120 to $300 or more a month, depending on your state, age, sex, tobacco use and insurer. Because every Plan G has the same benefits, comparing insurers is the main way to save.
What is the high-deductible Plan G deductible for 2027?
$3,050, up from $2,950 in 2026. You pay covered costs up to that amount each year, then the plan pays like standard Plan G.
Does Medigap Plan G cover the Part B deductible in 2027?
No. Plan G pays nearly everything Original Medicare leaves, except the annual Part B deductible ($283 in 2026; the 2027 amount is due from CMS in November).
Why does Medigap cost more in some states?
States set different rating rules, some require community rating, and the number of competing insurers varies. Identical coverage can cost very different amounts depending on where you live.
Will my Medigap premium go up every year?
Usually, yes. Attained-age policies rise as you age. Issue-age and community-rated policies avoid age increases but can still rise with inflation and claims.
Can I change Medigap plans during Medicare Open Enrollment?
Open Enrollment (Oct. 15 to Dec. 7) does not give a guaranteed right to change Medigap. In most states insurers can review your health. Some states have birthday or anniversary rules that allow switching without health questions.
When is the cheapest time to buy Medigap?
During your 6-month Medigap Open Enrollment Period, which starts the month you are 65 or older and enrolled in Part B. Insurers cannot deny you or charge more for health conditions during that window.
Part of our Medicare Guide. Costs, enrollment deadlines, Medicare Advantage vs. Medigap, Part D and what Medicare covers, all in one place. See the full guide →
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