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Medicare Plan G Cost Lookup by State

Average Plan G premiums vary from about $122/month in North Dakota to over $348/month in New York. The variation isn't random — it tracks state regulation, demographics, and the structure of each state's Medigap market. Search your state below to see typical 2026 ranges and the carriers that dominate the market.

National average: $159/month for a 65-year-old non-tobacco-using woman.

State	Low	Average	High	Top carriers
Alabama	$105	$138	$195	Mutual of Omaha, Cigna, Aetna
Alaska	$145	$178	$240	Premera Blue Cross, Mutual of Omaha, Humana
Arizona	$109	$145	$205	Mutual of Omaha, BCBS Arizona, Cigna
Arkansas	$102	$132	$188	Arkansas BCBS, Mutual of Omaha, USAA
California	$115	$162	$235	Anthem Blue Cross, Blue Shield of California, Mutual of Omaha
Colorado	$110	$148	$210	Mutual of Omaha, Anthem, Cigna
Connecticut Connecticut requires community-rated pricing; rates run higher but don't increase with age.	$215	$268	$345	Anthem, ConnectiCare, Aetna
Delaware	$118	$152	$215	Highmark BCBS Delaware, Mutual of Omaha, Aetna
District of Columbia	$142	$182	$245	CareFirst BCBS, Aetna, Kaiser
Florida Florida runs 25-40% above the national average.	$145	$198	$280	Florida Blue, Mutual of Omaha, Aetna, Cigna
Georgia	$108	$142	$198	Mutual of Omaha, Aetna, Cigna
Hawaii	$135	$168	$225	HMSA Blue Cross, Mutual of Omaha, Humana
Idaho	$100	$128	$178	Blue Cross of Idaho, Mutual of Omaha, Cigna
Illinois	$112	$152	$215	Health Care Service Corp BCBS, Mutual of Omaha, Aetna
Indiana	$105	$138	$195	Anthem BCBS, Mutual of Omaha, Cigna
Iowa	$102	$130	$185	Wellmark BCBS, Mutual of Omaha, Aetna
Kansas	$105	$135	$188	Blue Cross Blue Shield of Kansas, Mutual of Omaha, Cigna
Kentucky	$108	$142	$195	Anthem BCBS, Humana, Mutual of Omaha
Louisiana	$115	$152	$215	BCBS Louisiana, Humana, Mutual of Omaha
Maine Maine offers continuous open enrollment for Medigap.	$158	$195	$248	Anthem BCBS, Cigna, Mutual of Omaha
Maryland	$115	$148	$210	CareFirst BCBS, Mutual of Omaha, Aetna
Massachusetts Massachusetts uses its own standardized Medigap plans, not letter plans like Plan G.	$195	$248	$320	Blue Cross Blue Shield of MA, Tufts, Harvard Pilgrim
Michigan	$105	$138	$198	BCBS Michigan, Priority Health, Mutual of Omaha
Minnesota Minnesota uses its own standardized plans with Basic and Extended Basic structures.	$130	$168	$218	BCBS Minnesota, HealthPartners, Medica
Mississippi	$110	$145	$200	BCBS Mississippi, Mutual of Omaha, Humana
Missouri	$105	$138	$195	Anthem BCBS, Mutual of Omaha, Cigna
Montana	$102	$132	$185	BCBS Montana, PacificSource, Mutual of Omaha
Nebraska	$100	$128	$180	BCBS Nebraska, Mutual of Omaha, Aetna
Nevada	$118	$158	$220	Anthem, Humana, Mutual of Omaha
New Hampshire	$130	$165	$220	Anthem BCBS, Harvard Pilgrim, Cigna
New Jersey	$165	$215	$285	Horizon BCBS, AmeriHealth, Aetna
New Mexico	$110	$142	$195	BCBS New Mexico, Presbyterian, Mutual of Omaha
New York New York requires community-rated pricing and has continuous open enrollment. Premiums are the highest in the country but don't change with age or health.	$285	$348	$425	Empire BCBS, Excellus BCBS, United HealthCare
North Carolina	$105	$140	$198	BCBS North Carolina, Mutual of Omaha, Cigna
North Dakota	$95	$122	$175	BCBS North Dakota, Sanford, Mutual of Omaha
Ohio	$108	$142	$200	Anthem BCBS, Medical Mutual, Mutual of Omaha
Oklahoma	$108	$142	$198	BCBS Oklahoma, Mutual of Omaha, Cigna
Oregon	$110	$145	$205	Regence BCBS, Providence, Mutual of Omaha
Pennsylvania	$115	$152	$215	Highmark BCBS, Independence Blue Cross, Aetna
Rhode Island	$138	$175	$235	BCBS Rhode Island, Tufts, Aetna
South Carolina	$105	$140	$195	BCBS South Carolina, Mutual of Omaha, Aetna
South Dakota	$100	$130	$182	Wellmark BCBS, Sanford, Mutual of Omaha
Tennessee	$105	$138	$195	BCBS Tennessee, Cigna, Mutual of Omaha
Texas	$115	$158	$220	BCBS Texas, Mutual of Omaha, Aetna, Humana
Utah	$105	$138	$195	Regence BCBS, SelectHealth, Mutual of Omaha
Vermont	$175	$215	$268	Blue Cross Blue Shield of Vermont, MVP, Cigna
Virginia	$108	$142	$200	Anthem BCBS, Mutual of Omaha, Cigna
Washington Washington allows guaranteed-issue Medigap switching annually for current Medigap holders.	$115	$152	$215	Premera BCBS, Regence, Mutual of Omaha
West Virginia	$110	$145	$205	Highmark BCBS, Aetna, Mutual of Omaha
Wisconsin Wisconsin uses its own standardized plans with optional rider system.	$122	$158	$215	Anthem BCBS, Humana, Mutual of Omaha
Wyoming	$105	$138	$195	BCBS Wyoming, Mutual of Omaha, Cigna

How to read these numbers

The figures shown are typical monthly premium ranges for a standard Plan G policy issued to a 65-year-old non-tobacco-using woman in the largest city of each state. Your actual quote may be higher or lower depending on age, gender, tobacco use, ZIP code, household discount eligibility, and (outside of your initial open enrollment) medical underwriting.

Premium ranges across carriers in the same state typically span 30–50%. The "low" figure reflects competitive pricing from a major carrier; the "high" reflects premium-tier carriers or carriers that price for older enrollees. The "average" approximates the middle of the market.

Why some states cost dramatically more

The states at the top of this list — New York, Connecticut, Massachusetts, New Jersey, Vermont, Maine — share certain regulatory features:

Community-rated pricing in NY and CT means premiums don't increase with age. The result is higher initial premiums but flatter long-run trajectory.
Continuous open enrollment in NY, CT, and parts of ME and WA prevent carriers from underwriting at all. Anyone can switch Medigap plans any time, which raises the average risk pool.
State-specific Medigap rules in MN, MA, and WI use non-standard plan structures that don't directly compare to the standardized letter plans elsewhere.

The states at the bottom of the list — North Dakota, Nebraska, Idaho, South Dakota, Iowa — tend to have:

Younger Medigap enrollee populations
Strong attained-age rating, with low entry premiums for 65-year-olds
Strong carrier competition with regional Blues plans dominating the market

How to use this data when shopping

The right way to use this lookup tool is to set expectations before you start collecting quotes. If your state's average is $200/month and a carrier quotes you $400, you know to either look at a different carrier or understand specifically what's different about your situation. If your state's average is $130 and you're being quoted $115, that's a competitive offer worth taking seriously.

For real quotes specific to your ZIP, age, and circumstances, work with a licensed agent who represents multiple carriers — single-carrier captives only quote their own product, which limits price comparison.

Comparing Plan G to other Medigap plans in the same state

Plan G is consistently the most popular Medigap plan for new enrollees, but it's not always the cheapest. In the same state markets:

Plan N typically runs 20–30% lower than Plan G — see our Plan G vs Plan N comparison for the cost math.
High-Deductible Plan G runs roughly 50–60% lower than standard Plan G but adds a $2,870 annual deductible.
Plan F (closed to new enrollees but available to people Medicare-eligible before 2020) typically runs 5–15% higher than Plan G.

Common questions

Why is Plan G so much more expensive in New York and Connecticut? +

Both states require community-rated pricing for Medigap, meaning premiums cannot vary based on age. The result is higher initial premiums (since they include the cost of older enrollees) but no premium increases as you age. Over a long retirement, the total cost can be similar to or even lower than attained-age states; the front-loading just looks dramatic.

Are these the actual rates I'll be quoted? +

These are typical premium ranges for a 65-year-old non-tobacco-using woman buying standard Plan G in the largest city of each state. Your actual quote depends on age, gender, tobacco use, ZIP code, and household discount eligibility. Most carriers also use medical underwriting outside of your initial 6-month open enrollment window, which can affect rates further. For real quotes, contact a licensed agent.

What's the difference between attained-age, issue-age, and community rating? +

Attained-age: premiums increase as you get older (most common). Issue-age: premium is set at your enrollment age and only increases with general inflation. Community-rated: premiums are the same regardless of age (used in NY, CT, and a few others). Most states allow carriers to choose which rating method to use; some states require a specific method.

Why do carriers charge such different prices for the same Plan G? +

Plan G benefits are standardized — every Plan G covers the same services. Carriers compete on price, customer service, household discounts, financial stability, and rate-increase patterns. The 30%+ price differences between carriers offering the same Plan G in the same state reflect different underwriting strategies, marketing costs, and target customer segments. Always compare at least 3–4 carriers before enrolling.

How much will my Plan G premium go up each year? +

In attained-age states, expect 3–8% annual increases driven by both age and general medical inflation. Some carriers run more aggressive increases; others are more stable. Your state insurance department often publishes historical rate increase data for Medigap carriers. Stable carriers with consistent rate-increase histories are usually worth a slightly higher initial premium.