Medicare Supplement Plan G Costs in 2026

This page is focused entirely on what Plan G actually costs in 2026 and why.

For a full breakdown of what Plan G covers and how it works, see our Medicare Supplement Plan G guide.

Quick Answer: Medicare Supplement Plan G premiums in 2026 typically range from about $140 to over $400 a month, depending on your age, ZIP code, gender, tobacco use, household discounts, and the company you choose.

Because Plan G benefits are standardized, comparing prices before you enroll — or after you've had the plan a few years — can often save you thousands of dollars over time.

In This Article

• Sample Premiums by State
• What Affects Your Premium
• A Real Savings Example
• Why Shopping Matters Every Year
• Why Rates Increased in 2025–2026
• Bottom Line

Sample Plan G Premiums by State (Age 65, Nonsmoker)

These are real-world examples for newly eligible 65-year-old nonsmokers.

They aren't average premiums, and they aren't your exact quote.

Think of them as a snapshot of how much prices can vary between companies selling the identical Plan G benefit.

Indiana

$143

Texas

$167

Alabama

$178

California

$189

New Jersey

$181

Georgia

$198

Florida

$339

Lowest sample premium per state shown above. Full carrier detail below.

State	Cigna	Aetna	Mutual of Omaha	Blue Cross Blue Shield	Humana
Texas	$167	$220	$198	$179 (BCBSTX)	$185
Florida	$339	$449	$351	$327 (Florida Blue)	$247
Georgia	$198	$199	$233	$180 (Anthem GA)	$210
Alabama	$178	$233	$282	N/A	$197
California	$189	$307	$219	$198 (Anthem CA)	$313
New Jersey	$181	$240	$198	N/A	$245
Indiana	$143	$215	$144	$173 (Anthem IN)	$192

Several carriers — including Cigna, Mutual of Omaha, Florida Blue, Humana, and Blue Cross Blue Shield affiliates — show up with competitive pricing depending on the state.

The lowest-priced company changes by ZIP code, so it's worth comparing several carriers rather than assuming one insurer is always the cheapest.

For a closer look at how specific companies compare, see our Best Medigap Plan G Companies page.

Compare Plan G Rates in Your ZIP Code

What Affects Your Premium?

Your Plan G premium depends on:

• Your ZIP code
• Your age
• Gender, in some states
• Tobacco use
• Household discount eligibility
• The insurance company
• The company's pricing method (attained-age vs. issue-age)

The benefits themselves never change from one company to the next — only these factors do.

A Real Savings Example

Look at the Florida numbers in the table above.

Florida Blue prices Plan G at $327 a month. Aetna prices the identical benefit at $449.

That's a difference of $122 a month, for coverage that is required to be exactly the same.

$1,464extra per year

$7,320extra over 5 years

~$14,640extra over 10 years

That's the value of comparing companies before you enroll.

Why Shopping Matters Every Year, Not Just at Enrollment

What I See Most Often

One thing I've noticed over the years is that most beneficiaries never compare their Medigap premium again after they enroll.

They assume every company charges roughly the same, so there's nothing to check.

In reality, a company that was competitively priced five years ago can quietly become one of the most expensive carriers in their area today.

Rate increases don't hit every company by the same amount or on the same schedule.

Why Did Rates Increase So Much in 2025–2026?

2025 brought some of the steepest Medigap rate hikes in years, with increases ranging from about 8% up to 50% depending on carrier and state.

A few factors have generally been associated with these increases:

• Rising hospital costs and physician reimbursement
• General inflation across healthcare services
• Higher overall utilization of medical care
• Carriers adjusting rates after several years of underpricing

No one can predict next year's increases with certainty.

But this combination is why so many beneficiaries started comparing carriers for the first time in years, and it's part of why an annual premium check is worth the ten minutes it takes.

Worth noting: Medigap plans aren't tied to the Annual Election Period, though heavy Medicare Advantage advertising during AEP often gets people shopping their Medigap coverage at the same time.

See our Medigap rate increases page for more on how these increases have played out by carrier.

Bottom Line

The biggest mistake I see is assuming a higher premium means better coverage.

With Medicare Supplement Plan G, that's simply not how it works.

Every company offers the same standardized medical benefits.

The difference is how much you pay for those benefits today, and how the company's pricing changes over time.

Comparing multiple carriers before you enroll — or reviewing your current premium if you've had Plan G for a few years — can potentially save you hundreds or even thousands of dollars without reducing your Medicare coverage.

FAQs

• Why does Plan G cost more in Florida?

  Florida generally has higher healthcare costs and its own state-specific insurance market dynamics, which push Plan G premiums above the national range.

• Does Plan G get more expensive every year?

  Premiums typically rise over time. How much depends on your carrier’s pricing method and your state’s market conditions in a given year.

• Can I lower my Plan G premium?

  Often, yes. Comparing current quotes from other carriers, asking about household discounts, and checking whether you qualify for a guaranteed issue right are the most common ways to bring your premium down.

• Why do companies charge different prices if the benefits are identical?

  Medicare standardizes Plan G’s benefits, but each company sets its own premium based on its pricing method, claims experience, and business strategy. See Medicare.gov’s official Medigap basics page for the standardization rules.

• Is Plan G cheaper at age 65?

  Generally, yes, since most pricing methods factor in age. How much it rises after 65 depends on whether your carrier uses attained-age, issue-age, or community-rated pricing.