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Medigap costs for 2026

What you'll pay for Medicare Supplement coverage — premiums, deductibles, and what drives the price.

What determines your Medigap premium

Unlike Original Medicare or Part D, Medigap premiums are set entirely by the private insurance company selling the plan. The same Plan G can cost very different amounts from two different companies in the same ZIP code. Key factors that affect price:

  • Your age — older applicants generally pay more
  • Your location — premiums vary significantly by state and even by county
  • The insurance company — identical plans, different prices
  • Tobacco use — smokers typically pay higher premiums
  • Pricing method — how the company calculates your rate (see below)

Three pricing methods

Community-rated (no-age-rated)

Everyone pays the same premium regardless of age. Your premium won't increase because you get older — only due to inflation and other factors. This is the most predictable option long-term.

Issue-age-rated

Your premium is based on your age when you first buy the plan. Younger buyers pay less. Your premium won't go up just because of aging, but may increase for inflation.

Attained-age-rated

Your premium is based on your current age and increases as you get older. These plans often start with the lowest premium but become the most expensive over time.

Comparing quotes saves real money

Because the same plan letter covers the same benefits everywhere, the only thing to compare is price. Getting quotes from multiple companies can save you $50–$100 per month for identical coverage.

2026 cost figures to know

$283
Part B deductible (not covered by most Medigap plans)
$2,950
High-deductible Plan G deductible
$1,736
Part A hospital deductible (covered by most plans)

Medigap + Part D: total monthly cost

If you have Original Medicare with a Medigap plan and a Part D drug plan, your total monthly costs include:

  • Medicare Part B premium — $202.90/month in 2026 (more for higher incomes)
  • Medigap premium — varies by plan and company
  • Part D premium — varies by plan

While this may seem like a lot of premiums, many people find that the predictability of Medigap — knowing their out-of-pocket costs are capped — is worth it compared to the uncertainty of Original Medicare alone.

See Part D costs breakdown →

Ready to take the next step?

There are several free ways to get help with your Medicare decisions:

You can also visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227)