Medigap Premium Estimator
Medigap Premium Estimator
Estimate typical Medigap Plan G, Plan N, or High-Deductible Plan G premium by state and age (2026 benchmarks).
Low end ($/mo)
$127
Typical ($/mo)
$155
High end ($/mo)
$189
Estimate only. Actual quotes vary by carrier, ZIP, underwriting outside OEP, and annual rate filings. Get real quotes from 3+ carriers in your state before buying.
See California Medicare guide for state-specific rules.
Frequently Asked Questions
How accurate is this?+
Estimates are 2026 state-median benchmarks adjusted for plan and age. Actual quotes vary 20–30% in either direction based on carrier, ZIP, and underwriting.
Why do states vary so much?+
Community-rated states (NY, CT, MA, MN, WA) and states with different excess-charge rules produce different pricing. Rate filings are state-regulated.
Does it matter if I use tobacco?+
Yes — tobacco use typically adds 15% to Medigap premium.
Should I always pick the lowest quote?+
No — rate stability matters. A lower introductory premium with a 12% annual increase ends up costing more than a stable carrier at a slightly higher premium.