How much does Medicare Supplement Plan G cost in your state? Premiums vary significantly depending on where you live, your age, gender, and tobacco use. This guide breaks down average Plan G costs across all 50 states so you can benchmark rates and find the best deal.

How Plan G Premiums Are Determined

Unlike Medicare Advantage, Medigap premiums are set by private insurance companies — not the government. Every company offering Plan G provides identical coverage (standardized by federal law), but they can charge different premiums. Factors that affect your rate include:

• Age: Most states use attained-age pricing — premiums increase as you get older
• Location: Urban areas tend to have higher premiums than rural areas
• Gender: Women often pay slightly less than men
• Tobacco use: Smokers typically pay 10-25% more
• Household discounts: Many carriers offer 5-7% discounts for couples

Average Medicare Plan G Cost by State

State	Avg. Monthly Premium	Annual Cost
Alabama	$120–$145	$1,440–$1,740
Alaska	$160–$210	$1,920–$2,520
Arizona	$130–$160	$1,560–$1,920
Arkansas	$115–$140	$1,380–$1,680
California	$155–$200	$1,860–$2,400
Colorado	$125–$155	$1,500–$1,860
Connecticut	$175–$220	$2,100–$2,640
Delaware	$150–$185	$1,800–$2,220
Florida	$150–$195	$1,800–$2,340
Georgia	$130–$160	$1,560–$1,920
Hawaii	$145–$185	$1,740–$2,220
Idaho	$115–$145	$1,380–$1,740
Illinois	$140–$175	$1,680–$2,100
Indiana	$125–$155	$1,500–$1,860
Iowa	$110–$135	$1,320–$1,620
Kansas	$115–$140	$1,380–$1,680
Kentucky	$125–$155	$1,500–$1,860
Louisiana	$135–$170	$1,620–$2,040
Maine	$155–$195	$1,860–$2,340
Maryland	$145–$180	$1,740–$2,160
Massachusetts	$170–$215	$2,040–$2,580
Michigan	$140–$175	$1,680–$2,100
Minnesota	$120–$150	$1,440–$1,800
Mississippi	$120–$150	$1,440–$1,800
Missouri	$120–$150	$1,440–$1,800
Montana	$130–$160	$1,560–$1,920
Nebraska	$115–$145	$1,380–$1,740
Nevada	$135–$170	$1,620–$2,040
New Hampshire	$155–$195	$1,860–$2,340
New Jersey	$165–$210	$1,980–$2,520
New Mexico	$125–$155	$1,500–$1,860
New York	$180–$250	$2,160–$3,000
North Carolina	$125–$155	$1,500–$1,860
North Dakota	$110–$135	$1,320–$1,620
Ohio	$130–$160	$1,560–$1,920
Oklahoma	$120–$150	$1,440–$1,800
Oregon	$135–$170	$1,620–$2,040
Pennsylvania	$145–$185	$1,740–$2,220
Rhode Island	$160–$200	$1,920–$2,400
South Carolina	$125–$155	$1,500–$1,860
South Dakota	$110–$140	$1,320–$1,680
Tennessee	$120–$150	$1,440–$1,800
Texas	$135–$170	$1,620–$2,040
Utah	$120–$150	$1,440–$1,800
Vermont	$160–$200	$1,920–$2,400
Virginia	$135–$165	$1,620–$1,980
Washington	$140–$175	$1,680–$2,100
West Virginia	$135–$170	$1,620–$2,040
Wisconsin	$120–$150	$1,440–$1,800
Wyoming	$125–$155	$1,500–$1,860

Rates shown are estimates for a 65-year-old non-smoking female. Actual premiums depend on your specific carrier, age, gender, and enrollment timing. Call us for an exact quote.

Cheapest States for Medicare Plan G

If you live in one of these states, you are likely to find some of the lowest Plan G premiums in the country:

1. Iowa — $110–$135/month. Low healthcare costs and strong carrier competition keep premiums among the lowest nationwide.
2. North Dakota — $110–$135/month. A small population with low medical utilization translates to affordable Medigap rates.
3. South Dakota — $110–$140/month. Similar cost dynamics to its northern neighbor with minimal claims pressure.
4. Arkansas — $115–$140/month. Low cost of living and modest healthcare expenses help keep Plan G rates competitive.
5. Kansas — $115–$140/month. A balanced insurance market with multiple carriers competing for enrollees.
6. Nebraska — $115–$145/month. Rural healthcare costs stay well below the national average.
7. Idaho — $115–$145/month. Growing carrier competition in the state continues to push rates down.
8. Alabama — $120–$145/month. Southern states with lower medical costs tend to have more affordable Medigap premiums.

What these states have in common: Lower cost of living, lower healthcare costs, and enough carrier competition to keep premiums honest. If you are retiring and can choose where to live, these states offer significant Medicare Supplement savings.

Most Expensive States for Medicare Plan G

These states consistently have the highest Plan G premiums due to healthcare costs, regulations, and market factors:

1. New York — $180–$250/month. Community-rated pricing (everyone pays the same regardless of age) and high healthcare costs make New York the most expensive state for Plan G.
2. Connecticut — $175–$220/month. High cost of living and medical expenses in the Northeast push premiums up.
3. Massachusetts — $170–$215/month. Strict state regulations and high healthcare costs contribute to elevated Medigap rates.
4. New Jersey — $165–$210/month. Dense population with high medical costs and limited carrier competition in some areas.
5. Alaska — $160–$210/month. Geographic isolation and limited healthcare infrastructure drive costs higher.
6. Vermont — $160–$200/month. Community-rated pricing and a small insurance market keep premiums at a premium.
7. Rhode Island — $160–$200/month. Small state with high per-capita healthcare spending.
8. Maine — $155–$195/month. Rural healthcare delivery challenges and an aging population push rates higher.

Why the gap matters: The difference between the cheapest and most expensive states can be $100+ per month — over $1,200 per year. This is why comparing rates from multiple carriers in your specific zip code is critical. Even in expensive states, the right carrier can save you significantly.

Why Plan G Costs Vary So Much by State

• State regulations: Some states have community-rated pricing where everyone pays the same regardless of age
• Cost of healthcare: States with higher medical costs generally have higher Medigap premiums
• Competition: More insurance carriers competing means lower premiums
• Claims experience: Areas with higher Medicare utilization rates drive up premiums

How to Get the Lowest Plan G Rate

1. Enroll during Open Enrollment: The 6-month window starting when you turn 65 and enroll in Part B guarantees the best rates
2. Compare 5-8 carriers: The same Plan G can vary by $50+/month between companies
3. Ask about household discounts: Many carriers offer 5-7% off for couples
4. Consider rate stability: A slightly higher premium with stable increases beats a low rate that jumps 15% annually
5. Use an independent broker: We compare rates across dozens of carriers at no extra cost to you

Get Your Personalized Plan G Quote

📞 Call 1-888-781-6026 for an exact quote for your age, state, and ZIP code.

📅 Or schedule a free consultation at a time that works for you.

Frequently Asked Questions