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Medigap Cost Calculator

Estimate Medicare Supplement (Medigap) monthly premiums by plan letter, age and region.

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Estimated monthly premium
Annual premium
Plan

Educational estimate. Premiums vary by insurer, age, location and rating method.

How it works

We start from a typical premium for each plan letter, then adjust for your age and regional cost level.

Plan G is the popular pick for new enrollees; high-deductible G trades low premium for more cost-sharing.

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The premium is the only variable

Because Medigap plans are federally standardized, every Plan G from every insurer covers identical benefits — the difference is purely price and the company’s service and rate-increase history. Premiums rise with age under most pricing models and vary a lot by state. Shop the same letter across insurers and you’re comparing apples to apples; the cheapest reputable Plan G is usually the right answer.

Good to know

FAQs

How much does Medigap cost?

Often $100–$300/month depending on plan, age, location and the insurer's rating method.

Why do premiums rise with age?

Most plans use attained-age rating, increasing premiums as you get older.

Is Plan G or N cheaper?

N has lower premiums but adds small copays; G has no copays beyond the Part B deductible.

Is this a quote?

No — compare real quotes; all Plan G policies cover the same things.