Medicare Supplement (Medigap) Cost Estimator

Plan G is the most popular choice for new enrollees because it covers the 20% Part A and Part B coinsurance, Part A deductible, and skilled nursing facility coinsurance, leaving only the $257 annual Part B deductible. Plan N is cheaper (about $123/month at 65) but adds $20 office visit copays and $50 ER copays. High-Deductible Plan G is the lowest premium option for healthy seniors willing to self-insure the first $2,870.

National 2026 averages for Plan G: $165/month at 65, $181 at 70, $205 at 75, and $252 at 80. Plan N runs about 25% lower. Costs vary sharply by state: New York averages $354/month, while Virginia and Ohio can be under $170 at age 65 for identical coverage.

Yes, but in most states you must pass medical underwriting outside your 6-month open enrollment window, meaning insurers can deny you or charge more based on health. Four states (NY, CT, MA, WA) require guaranteed issue or community rating year-round. If your health has changed, switching may not be possible at a better rate.

Medigap supplements Original Medicare and lets you see any doctor who accepts Medicare, with no network restrictions, but you pay a separate premium. Medicare Advantage (Part C) replaces Original Medicare with a private plan that often includes drug coverage and extras like dental and vision, but uses networks, requires referrals, and has out-of-pocket maximums. You cannot carry both Medigap and Medicare Advantage at the same time.

Yes, Medigap premiums are considered medical expenses and may be deductible on Schedule A if you itemize and your total medical expenses exceed 7.5% of adjusted gross income. Many retirees do not itemize because the standard deduction is higher, so the tax benefit is limited.