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Medicare Supplement Insurance (Medigap) plan costs can vary based on age, location, tobacco usage, plan type, pricing method and more. On the lower end, Medigap plans can cost $30 to $40 per month. On the higher end, monthly premiums can get up into the hundreds of dollars.
Medigap policies cover certain copays, coinsurance and deductibles you would otherwise be responsible for after Medicare pays its share of covered services. Because each plan type has standard benefits, it’s a good idea to prioritize price when comparing and choosing a company.
All Medigap policies have premiums. The average Medigap premium was $217 in 2023, according to KFF, a health policy nonprofit. But the monthly cost of Medigap can vary widely by individual and plan type.
Generally speaking, you’ll pay the lowest premiums for high-deductible plans or plans with less coverage, like Plan K or Plan L. A plan that covers more, such as Plan G, tends to have a higher premium.
Premiums can also vary based on age, health status, tobacco usage, company, pricing method, state law and other factors. It’s important to compare quotes when shopping for a Medigap policy.
🤓 Nerdy Tip
Read your quotes carefully when you’re shopping for plans. Sometimes Medigap pricing can be counterintuitive. For example, you might see a high-coverage plan such as Plan G priced below Plan A, which offers only basic coverage. Other Medigap costs
Some Medigap plan types have other costs in addition to their premiums:
- Medigap Plan N has copays for certain office visits and some emergency room visits.
- Medigap Plan K and Plan L require you to pay for a percentage of most covered services. With Plan K, you pay 50% out of pocket. With Plan L, you pay 25%.
- High-deductible plans require you to meet a deductible of $2,950 in 2026 before the Medigap policy pays for anything.
Compare Medigap plans
| Insurance company | NerdWallet rating | Plan types offered | NAIC complaint rate | Premium discounts available |
|---|---|---|---|---|
| A, C, D, F, G and N | Far fewer than expected | Below average | ||
| A, B, C, F, G, K, L and N | Far fewer than expected | Above average | ||
| A, F, G and N | Far more than expected | Above average | ||
| A, F, G and N | Far fewer than expected | Above average |
Costs for Medigap
All plans: Monthly premiums As low as $30-$40. Pricier plans can cost $150-$200+.
Plans F and G: Deductibles High-deductible versions only: $2,950 in 2026.
Plans K and L: Coinsurance Plan K: Up to 50%. Plan L: Up to 25%.
Plan N: Copayments Up to $20 for office visits and $50 for emergency visits.
Medigap cost comparison chart
Here are the price ranges for each Medigap plan type available to a 65-year-old female nonsmoker in Atlanta, which has average pricing among U.S. states.
| Medigap plan type | Monthly premium |
|---|---|
| Medigap Plan A — the basic benefits included in every Medigap plan without any extras. | Starts at $109. |
| Medigap Plan B — basic benefits plus coverage for the Medicare Part A deductible. | Starts at $233. |
| Medigap Plan D — a mid-cost option that covers most Medigap benefits. | Starts at $158. |
| Medigap Plan G — the highest-coverage option available to new Medicare members. Available as either a standard plan or a high-deductible option in some locations. | Starts at $131. |
| High-deductible Medigap Plan G. | Starts at $44. |
| Medigap Plan K — the lowest-cost Medigap plan, with 50% coverage for most benefits. | Starts at $66. |
| Medigap Plan L — a low-cost option with 75% coverage for most benefits. | Starts at $139. |
| Medigap Plan M — coverage for most benefits, but only half of the Part A deductible. | Starts at $94. |
| Medigap Plan N — a plan with lower premiums but higher copays. | Starts at $93. |
🤓 Nerdy Tip
A $400 Medigap Plan G policy has the same standardized Medicare coverage as one that costs $131. Companies may add on some extra perks like discounted gym memberships, but the core Medicare benefits are the same, so go ahead and compare based on price. How Medigap companies set prices
You may see Medicare Supplement Insurance plans priced in a few ways:
- Community-rated. Premiums aren’t based on age — everyone pays the same monthly premium. This kind of pricing may also be called “no age-rated.”
- Issue-age-rated. Premiums are based on your age when purchased. Generally, younger people pay lower premiums than older people. This kind of pricing may also be called “entry age-rated.”
- Attained-age-rated. Premiums are based on your current age, meaning costs will go up as you age.
Your Medigap insurance premium won’t go up as you age if you get a community-rated or issue-age-rated policy. But your premium can still increase for other reasons, like inflation. Some states require certain pricing for Medicare Supplement Insurance, so not all pricing methods are available in every state.
Shopping for Medigap plans? We have you covered.
| MEDICARE SUPPLEMENT, or Medigap, is private health insurance that covers “gaps” in traditional Medicare coverage. Compare options from our Medigap roundup. | |
| Best overall | Best for plan availability |
| Best for low prices | Best for premium discounts |
Medigap discounts
You might be able to save on premiums by qualifying for a discount with some companies. Here are a few examples:
- Household discounts for living in the same household as another qualifying person with a Medigap policy from the same company.
- Online application discounts for signing up online rather than by phone or an agent.
- Automatic or prepayment discounts for setting up automatic withdrawals from a bank account or prepaying for a full year of coverage.
- Multi-policy discounts for members who combine a Medigap policy with other insurance from the same company, such as life insurance or a dental plan.
Sign up early for the lowest Medigap prices
To get the best price and easiest enrollment experience, sign up for a Medigap plan during your Medigap open enrollment period.
This period happens only once. It starts once you’re 65 and enrolled in Medicare Part B, and lasts for six months. (If you're still working after 65 and covered by a group employer plan that is deemed creditable coverage, your six-month period starts after you’ve ended active employment or no longer have that insurance.)
Medigap policies are cheapest and easiest to get during this open enrollment period because insurance companies aren’t allowed to factor your health or medical history into your price. After the period ends, the prices may go up or you may be denied coverage due to your health status or medical history.
In some states, insurance companies sell Medigap plans to those under 65 who are living with a disability and are eligible for Medicare. You can find more information through your State Health Insurance Assistance Program, or SHIP.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
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- 1. KFF. Key Facts About Medigap Enrollment and Premiums for Medicare Beneficiaries. Accessed Aug 8, 2025.
- 2. Centers for Medicare & Medicaid Services. Compare Medigap Plan Benefits. Accessed Aug 8, 2025.
- 3. Centers for Medicare & Medicaid Services. Find a Medigap policy that works for you. Accessed Aug 8, 2025.
- 4. Centers for Medicare & Medicaid Services. Get Medigap Costs. Accessed Aug 8, 2025.
- 5. Centers for Medicare & Medicaid Services. When Can I Buy a Medigap Policy?. Accessed Aug 8, 2025.
