Medicare Supplement Plan G Cost: 2025 Rates by Age & State
Plan G costs $120-$300/month depending on age, location, and carrier. Use our calculator to estimate your costs.
Quick Answer: Plan G Cost Range
Medicare Supplement Plan G costs between $120 and $300 per month on average. A 65-year-old typically pays $120-$150/month, while an 80-year-old pays $220-$270/month. Costs vary by age, location, gender, tobacco use, and insurance carrier. The same Plan G coverage can vary 40-60% in price between carriers, so comparing quotes is essential.
Estimate Your Plan G Cost
Enter your information to get a personalized Plan G cost estimate:
Women typically pay 5% less in states that allow gender rating
Tobacco users typically pay 20-35% more
For more accurate local estimates
Your Estimated Plan G Cost
💡 The same Plan G coverage varies 40-60% in cost between carriers!
Get quotes from multiple carriers to find the lowest rate. You could save $360/year by shopping around.
Compare Plan G to Other Options
Plan G vs Plan F
See how Plan G and Plan F costs compare. Most people save money with Plan G over the discontinued Plan F.
Plan G vs Plan N
Plan N has lower premiums but requires copays. Calculate which plan saves you more based on your doctor visits.
What Plan G Covers
Understand exactly what medical expenses Plan G covers and what it doesn't, with real-world examples.
Plan G Cost by Age (2025)
| Age | Monthly Premium Range | Annual Cost (with Part B deductible) |
|---|---|---|
| 65 | $120 - $150 | $1,666 - $2,026 |
| 66-67 | $130 - $165 | $1,786 - $2,206 |
| 68-70 | $145 - $180 | $1,966 - $2,386 |
| 71-72 | $160 - $195 | $2,146 - $2,566 |
| 73-75 | $180 - $220 | $2,386 - $2,866 |
| 76-77 | $200 - $245 | $2,626 - $3,166 |
| 78-80 | $220 - $270 | $2,866 - $3,466 |
| 81-85 | $250 - $300 | $3,226 - $3,826 |
| 85+ | $270 - $330 | $3,466 - $4,186 |
*Costs are national averages and vary by state, carrier, and individual rating factors. Annual costs include the $226 Part B deductible.
Plan G Cost by State (Age 65)
💰 Lowest-Cost States
💸 Highest-Cost States
Factors That Affect Plan G Cost
Age (Biggest Factor)
Most carriers use attained-age rating, where premiums increase as you get older. Some use issue-age (based on enrollment age) or community rating (same for all ages).
Location (State & ZIP)
Where you live dramatically affects costs. Florida has highest premiums, Wisconsin has lowest. Even within a state, ZIP codes can vary 20-30%.
Gender Rating
In states that allow gender rating, women typically pay 5-10% less than men due to longer life expectancy and lower healthcare utilization.
Tobacco Use
Tobacco users pay 20-35% more (varies by carrier). This surcharge is significant and applies to cigarettes, cigars, pipes, and chewing tobacco.
Insurance Carrier
The same Plan G coverage varies 40-60% in cost between carriers! Mutual of Omaha, AARP, Cigna, Anthem all have different rates for identical coverage.
Household Discount
Many carriers offer 5-12% discount when you and your spouse both enroll in Medigap plans with the same carrier (doesn't have to be same plan).
How to Save Money on Plan G
Compare Quotes from 5+ Carriers
The same Plan G coverage varies 40-60% in cost! Get quotes from Mutual of Omaha, AARP, Cigna, Anthem, and Humana. You could save $1,000+/year by finding the lowest rate.
Apply for Household Discount
If you and your spouse both need Medigap plans, enroll with the same carrier to get 5-12% off each. Save $120-300/year per person.
Pay Annually Instead of Monthly
Many carriers offer 3-8% discount for paying your annual premium upfront instead of monthly. Save $60-200/year.
Quit Tobacco
Tobacco users pay 20-35% more. Quitting tobacco can save $400-700/year on premiums. Some carriers allow rate adjustment after 12 months tobacco-free.
Enroll During Open Enrollment
Enroll during your 6-month Medigap Open Enrollment Period (age 65 + Part B) for guaranteed issue. No medical underwriting means no rate increases due to health conditions.
Shop Around Every 2-3 Years
Rate increases vary by carrier. Some increase 3%/year, others 8%/year. Re-shop every 2-3 years to find lower rates. You may need medical underwriting, but savings can be significant.
Total Potential Annual Savings: $1,580-$2,200
By comparing carriers, applying discounts, paying annually, and quitting tobacco
Frequently Asked Questions
How much does Medicare Supplement Plan G cost per month?
Medicare Supplement Plan G costs between $120 and $300 per month on average, depending on your age, location, gender (in some states), tobacco use, and insurance carrier. A 65-year-old typically pays $120-$150/month, while an 80-year-old pays $220-$270/month. Costs vary significantly by state and carrier.
Does Plan G cost increase with age?
Yes, in most states Plan G costs increase with age through attained-age rating (premiums rise as you get older). Some carriers use issue-age rating (premium based on age when you enroll, doesn't increase with age) or community rating (everyone pays same regardless of age). Attained-age is most common and typically has lowest initial premiums.
What is the cheapest Plan G?
The cheapest Plan G varies by location and your demographics. Nationally, carriers like Mutual of Omaha, Cigna, and AARP/UnitedHealthcare often have competitive rates. The same Plan G coverage can vary 40-60% in cost between carriers, so it's essential to compare quotes from at least 3-5 insurance companies in your area.
Will Plan G premiums increase every year?
Plan G premiums typically increase 3-6% annually due to healthcare inflation, increasing medical costs, and age-based rating (if applicable). With attained-age rating, you face both age increases and inflation increases. Rate increases vary by carrier—comparing quotes every 2-3 years can help you find better rates.
How can I save money on Plan G?
Save money on Plan G by: comparing quotes from 5+ carriers (rates vary 40-60%), applying for household discount (5-12% off with spouse), paying annually (save 3-8% vs monthly), quitting tobacco (eliminate 20-35% surcharge), shopping during Open Enrollment (guaranteed issue), and switching carriers every 2-3 years to avoid rate increases.
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