Plan G Rate Increases 2027: Why Premiums Rise and What to Do

THE 2026 BENCHMARK

Plan G rate increases averaged 16.8% in 2026, according to Telos Actuarial. The national average Plan G premium was about $180 a month for a 65-year-old woman who doesn’t smoke, according to ValuePenguin.

1. Shop the same plan. Plan G is Plan G with every company. Another insurer may charge noticeably less for identical coverage. Compare carriers such as UnitedHealthcare, Aetna and Humana.

2. Check your state’s switching rules. Some states have yearly windows that let you change Medigap plans without health questions, and New York and Connecticut allow switching year-round. Everywhere else, the new company can usually ask health questions.

3. Consider Plan N. It usually costs less in exchange for small copays. See our Plan G vs Plan N 2027 comparison.

4. Look at High Deductible Plan G. It has the lowest premium of the three, with a $3,050 deductible for 2027. See our High Deductible Plan G 2027 guide.

➤ How much will Plan G go up in 2027?

It depends on your company, state and age. Each insurer files its own increases. For context, Plan G rate increases averaged 16.8% across the industry in 2026, according to Telos Actuarial, though individual increases ranged well above and below that.

➤ Why is my Plan G premium going up?

Rising medical costs and claims are the main reason. If your policy is attained-age rated, your premium also rises as you get older. Plan G also became the main plan for new enrollees after Plan F closed in 2020, and maturing blocks of business tend to see larger increases.

➤ Can I switch Medigap companies to avoid a rate increase?

Yes, you can apply with another company for the same Plan G at a lower price. Outside your Medigap Open Enrollment Period or a guaranteed issue right, most states let companies ask health questions, so approval isn’t guaranteed. Some states have yearly switching rules that waive health questions.

➤ Will my Plan G benefits change if my premium goes up?

No. Plan G benefits are standardized by federal law and don’t change when your premium rises. Only the price changes.

➤ What is the difference between attained-age and issue-age pricing?

Attained-age premiums rise as you get older, on top of yearly increases. Issue-age premiums are based on your age when you bought the policy and don’t rise because of age. Community-rated premiums are the same for everyone regardless of age. All three can still rise with costs.

➤ Is Plan N a good option if Plan G gets too expensive?

It can be. Plan N usually costs less than Plan G in exchange for copays of up to $20 for some office visits and up to $50 for ER visits, and it doesn’t cover Part B excess charges. Switching may require health questions.

➤ When do Plan G rate increases take effect?

Many companies raise rates on your policy anniversary or at a set time each year, and they notify you in advance. Check your rate change letter for the exact date and amount.

➤ Do all states allow big Plan G rate increases?

Insurers must file rate increases with each state’s insurance department, and states review them. That’s why increases vary so much from one state to another, even for the same company.