How much does a Medicare Supplement plan cost? The honest answer is that it depends on the plan letter, your age, your ZIP code and the company. Some people pay under $100 a month, and others pay more than $300 for the same coverage.
Here are the average premiums by plan heading into 2027, what drives your price, and the simplest ways to pay less.
| Plan | Avg. monthly at 65 | Avg. monthly at 75 |
|---|---|---|
| High Deductible Plan G | $61 | Varies |
| Plan K | $110 | $139 |
| Plan N | $171 | $221 |
| Plan L | $179 | $226 |
| Plan A | $213 | $266 |
| Plan G | $220 | $279 |
| Plan F* | $271 | $342 |
National averages from a 2026 plan-year analysis of Medicare.gov quotes. Averages vary by source and method; other analyses put Plan G closer to $180 a month. *Plan F is only available to people eligible for Medicare before 2020. 2027 rates are being filed now, and your actual price will vary.
Plan G is the most popular plan, and we break its price down in detail in Medicare Supplement Plan G Cost 2027.
| Pricing method | How it works |
|---|---|
| Attained-age | Based on your current age. Starts lower and rises as you get older. Most common. |
| Issue-age | Based on your age when you buy. Doesn’t rise because of age, but can still increase for other reasons. |
| Community-rated | Everyone pays the same price regardless of age. Can still increase over time. |
No matter how a plan is priced, most premiums also go up each year as medical costs rise. Read more about Plan G rate increases in 2027.
Your Medigap premium is only one piece of your monthly bill. Most people pay:
In exchange, you get predictable costs. With Plan G, the main out-of-pocket cost for Medicare-approved care is the Part B deductible ($283 in 2026).
Related: Cheapest Medicare Supplement plans for 2027 Which low-cost plan letters cost the least, their trade-offs and how to find the lowest rate.
It depends on the plan, your age, where you live and the company. National averages for a 65-year-old in the 2026 plan year ranged from about $61 a month for High Deductible Plan G to about $220 for Plan G and $271 for Plan F. Your price may be higher or lower.
High Deductible Plan G and Plan K usually have the lowest premiums. They cost less each month because you pay more of your own costs when you use care.
Premiums can rise because of age, depending on how the plan is priced, and because of yearly rate increases tied to rising medical costs and claims.
Not during your Medigap Open Enrollment Period, when carriers can’t charge you more for health reasons. Outside that window, most carriers can use health questions to set your rate or decline you.
No. Premiums vary a lot by state and ZIP code. The same plan letter can also cost very different amounts from different companies in the same area.
With attained-age pricing, your premium is based on your current age and goes up as you get older. Most states use this method. Issue-age and community-rated plans don’t rise because of age, though they can still increase for other reasons.
Yes. You pay your Part B premium ($202.90 a month in 2026) plus your Medigap premium, and a Part D premium if you add drug coverage.
Compare the same plan letter across several companies, ask about household discounts, consider Plan N or High Deductible Plan G, and buy during your Medigap Open Enrollment Period.
If you are new to Medicare, then you can enroll in a 2027 Medicare Supplement plan up to six months prior to your Medicare Part B effective date.
Call one of our licensed insurance agents to see what the best time frame is for you to enroll, based on your current situation. You can contact them at 1-855-409-6195.