CostPrism
Insurance Updated June 2026

Medicare Supplement Cost Calculator

Calculate 2026 Medigap premium costs by plan type (Plan G, N, F, K, L), age, tobacco use, and state — with full coverage comparison of all plan types.

National avg: $150/mo
Range: $70 – $350/mo
Used by 22,640 people

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What Affects the Cost?

1. Medicare Supplement Plan Comparison (2026)

Plan G (most popular): Covers everything except Part B deductible ($257/yr). Premium: $100–$200/month. Best for predictable costs. Plan N: Covers everything except Part B deductible + $20 office copay + $50 ER copay. Premium: $80–$160/month. Best for healthy seniors who rarely visit doctors. Plan F: Covers everything including Part B deductible — no longer available to new Medicare enrollees after Jan 2020. Existing policyholders may keep it. Plan K & L: Share cost plans with 50%/75% coverage — low premiums, higher out-of-pocket risk.

2. How Medigap Premiums Are Set

Community-rated pricing: everyone pays the same premium regardless of age — premiums only increase with inflation (best long-term value). Issue-age pricing: premium based on age when you first buy — locked in and rises only with inflation. Attained-age pricing: premium increases as you age — looks cheapest at 65 but becomes most expensive by 80. Most plans use attained-age pricing. Always compare the pricing method, not just the current rate.

3. Medicare Advantage vs. Medicare Supplement

Medicare Supplement + Original Medicare: Freedom to see any doctor nationwide. Predictable costs. Higher monthly premium ($100–$250/month) plus Part B premium ($185/month in 2026). Medicare Advantage (Part C): Often $0 monthly premium (Part B still owed). Network restrictions (HMO/PPO). Out-of-pocket maximums $4,000–$8,300/year. Better for healthy seniors in strong network areas. Worse for those needing specialists or who travel.

2026 Cost Reference Table

Type / Option Typical Cost Range
Plan G (age 65, non-tobacco) $100 – $200/month
Plan N (age 65, non-tobacco) $80 – $160/month
High-Deductible Plan G (age 65) $30 – $60/month
Plan G (age 75, non-tobacco) $150 – $280/month
Plan G (tobacco user, age 65) $120 – $257/month
Plan F (existing policyholders) $140 – $260/month

Frequently Asked Questions

Plan G is the most popular Medicare Supplement plan in 2026 because it provides the most comprehensive coverage available to new enrollees. It covers everything except the Part B deductible ($257 in 2026) — meaning your only predictable out-of-pocket cost is that one annual payment. Plan N is a good alternative if you're healthy and rarely visit doctors — it costs 15–25% less but adds $20 copays per office visit. Both plans work with any doctor that accepts Medicare.

The best time is during your Medigap Open Enrollment Period — the 6-month period starting the month you turn 65 AND are enrolled in Part B. During this window, insurers cannot deny coverage, charge more for health conditions, or require waiting periods. After this period, insurers can deny you coverage or charge higher rates based on your health history in most states (MA, NY, CT have year-round guaranteed issue). Waiting significantly narrows your options.

Medicare Supplement Plan G costs $100–$200/month for a 65-year-old non-tobacco user in 2026, depending on the insurance company and state. The same plan from different insurers can vary by $60–$80/month — the coverage is federally standardized so the only difference is price and customer service. Annual premiums range from $1,200–$2,400 for Plan G. Adding the Part B premium ($185/month in 2026) and Part B deductible ($257/year), your total Medicare costs are approximately $3,600–$5,100/year.

Compare Medicare Supplement Plans — Free Quotes

Medicare Supplement rates vary 40–80% between carriers for identical plans. Always compare quotes — the coverage is standardized so only price matters.

Compare Medicare Plans — Medicare.gov Get Medigap Quotes — eHealth

Tips Before You Start

  • ✓ Open enrollment (6 months after turning 65) is your ONLY guaranteed right to buy Medigap — insurers cannot refuse or charge more
  • ✓ Plan G is now the most popular Medigap plan — covers everything except the Part B deductible ($257 in 2026)
  • ✓ Plan N costs 15–25% less than Plan G but has $20 copays for office visits and $50 for ER visits
  • ✓ Tobacco users pay 10–20% more — quitting for 12 months qualifies for non-tobacco rates at most carriers
  • ✓ High-deductible Plan G costs $30–$60/month but requires paying $2,800 deductible before coverage kicks in — best for healthy seniors

Cost by State — 2026

Based on national average pricing adjusted for local labor and material costs.