Every Medicare Supplement Plan G covers exactly the same benefits, no matter which company sells it. What changes is the price. Two companies can quote the same Plan G in the same ZIP code with very different premiums.
Here’s how Plan G quotes work for 2027, what drives your price, and how to compare quotes so you pick the right company, not just the cheapest number on the screen.
Because Plan G benefits are standardized by federal law, your quote comes down to a handful of pricing factors:
For a sense of scale, MoneyGeek’s 2026 data put the national average Plan G premium at about $220 a month at age 65. Your quote may be well above or below that. See Plan G cost for 2027 for a full breakdown.
Comparing a lower-premium option? See Medicare Plan N quotes for 2027 and how they stack up against Plan G.
The rating method a company uses has a big effect on what you’ll pay years from now, not just today. Always ask which one applies to your quote.
| Rating method | How it’s priced | What to expect |
|---|---|---|
| Community-rated | Everyone in the area pays the same premium, regardless of age | Can cost more at 65, but age alone won’t raise your rate |
| Issue-age-rated | Based on your age when you buy the policy | Your premium won’t rise just because you get older |
| Attained-age-rated | Based on your current age | Often the lowest at 65, then rises as you age |
All three types can still go up because of inflation and company-wide rate changes. Learn more in Plan G rate increases for 2027.
Since every Plan G pays the same benefits, comparing quotes is really about comparing companies. Check these four things side by side:
Broker tip: The cheapest Plan G at 65 isn’t always the cheapest at 75. A slightly higher starting premium from a company with steady rate history can cost less over time.
Weighing Plan G against a cheaper plan? Compare quotes for Plan G vs. Plan N and High Deductible Plan G at the same time, and read the Plan G pros and cons for 2027.
The best time is your Medigap Open Enrollment Period. It lasts six months, starting the month you’re 65 or older and enrolled in Part B. During that window companies can’t turn you down or charge you more because of your health, so you can take the best quote available. Details are in the Medigap Open Enrollment Period 2027 guide.
Already have Plan G? You can shop it any time. Many people check quotes each year to see if another company offers the same Plan G for less. Outside open enrollment, most states let companies ask health questions before approving a new policy, so keep your current plan until the new one is approved.
What you’ll need for a quote:
➤ How much does a Medicare Plan G quote cost in 2027?
Getting a quote is free. The national average Plan G premium at age 65 was about $220 a month in 2026, according to MoneyGeek, but your actual quote depends on your age, ZIP code, gender, tobacco use and the insurance company.
➤ Why do Plan G quotes differ if the benefits are the same?
Plan G benefits are standardized by federal law, so every company’s Plan G covers the same things. Each company sets its own price based on its rating method, its claims experience and the discounts it offers, which is why quotes for the same plan can vary widely in the same ZIP code.
➤ What information do I need to get a Plan G quote?
Usually just your ZIP code, age or date of birth, gender, tobacco use and your Part B effective date. To apply, you will also need your Medicare number and, outside open enrollment in most states, answers to health questions.
➤ Is the cheapest Plan G quote the best one?
Not always. A low starting premium can rise quickly if the company has a history of steep rate increases or uses attained-age pricing. Compare the starting premium, the rating method, rate increase history and available household discounts.
➤ When is the best time to get Plan G quotes?
During your Medigap Open Enrollment Period, the six months that start the month you are 65 or older and enrolled in Part B. During that window companies cannot turn you down or charge more because of your health.
➤ Can I get a Plan G quote if I already have a Medigap plan?
Yes. Many people shop their Plan G each year to see if another company offers a lower premium for the same benefits. Outside open enrollment, most states let companies ask health questions before approving a new policy.
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.