In our 2027 survey of 47 states, the lowest available Plan G quote averaged approximately $208 per month for a 65-year-old male nonsmoker.
For the same profile, it averaged about $224 at age 70 and $259 at age 75.
Behind that average, prices varied widely — both between the ZIP codes we surveyed and between insurance companies quoting the same ZIP code.
Quick answer
What you pay for Plan G in 2027 depends mainly on your ZIP code, your age and the insurance company you choose.
Because Plan G benefits are standardized, start by comparing the lowest-priced carriers in your ZIP code.
Then weigh each one's financial strength and rate-increase history before you choose.
Age 65$208.09per month
Age 70$224.02per month
Age 75$258.96per month
Average of the lowest Plan G quote in each of 47 surveyed ZIP codes (one per state). Male, non-tobacco, January 1, 2027 effective date, no discounts applied. Not a national average of all Plan G policies.
Why Compare Plan G Prices?
Medicare Supplement Plan G helps cover nearly all the cost-sharing left by Original Medicare, except the annual Part B deductible.
Your Plan G premium is separate from your Medicare Part B premium.
Every Plan G policy provides the same standardized benefits, regardless of which insurance company sells it.
Monthly premiums, however, can vary significantly — even for people of the same age in the same ZIP code.
In our Florida comparison, the gap between the lowest and highest age-65 premium was $90.20 a month, or more than $1,080 a year.
That's why comparing insurance companies is important.
Beyond the starting premium, consider each company's financial strength, available discounts and history of rate increases.
2027 Plan G Rates by State and Age
Each figure is the lowest monthly Plan G quote we found among six carrier groups in that state's surveyed ZIP code.
Open a state to see the lowest quote at each age and which carrier offered it. It isn't always the same company at 65, 70 and 75.
These are samples. Your quote may be lower.
The rates below come from one ZIP code per state. Your ZIP code, sex, tobacco status and household discounts can all change what you pay.
Get My Exact Plan G Quote
Free comparison of every carrier in your ZIP code, or call 888-414-4547
Select a state to see its lowest quotes at 65, 70 and 75.
Alabamafrom $201.01/mo at 65
Age 65$201.01HealthSpring
Age 70$206.06HealthSpring
Age 75$252.50HealthSpring
Lowest of 5 carriers quoted in surveyed ZIP 35242. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Alabama Plan G quote →
Alaskafrom $197.00/mo at 65
Age 65$197.00BCBS
Age 70$252.32Aetna
Age 75$297.71Aetna
Lowest of 6 carriers quoted in surveyed ZIP 99654. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Alaska Plan G quote →
Arizonafrom $226.12/mo at 65
Age 65$226.12BCBS
Age 70$243.44HealthSpring
Age 75$303.37HealthSpring
Lowest of 6 carriers quoted in surveyed ZIP 85142. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Arizona Plan G quote →
Arkansasfrom $187.08/mo at 65
Age 65$187.08HealthSpring
Age 70$187.08HealthSpring
Age 75$187.08HealthSpring
Lowest of 6 carriers quoted in surveyed ZIP 72764. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Arkansas Plan G quote →
Californiafrom $203.04/mo at 65
Age 65$203.04HealthSpring
Age 70$249.65BCBS
Age 75$303.63BCBS
Lowest of 6 carriers quoted in surveyed ZIP 92336. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact California Plan G quote →
Coloradofrom $204.04/mo at 65
Age 65$204.04BCBS
Age 70$221.38HealthSpring
Age 75$263.87HealthSpring
Lowest of 6 carriers quoted in surveyed ZIP 80134. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Colorado Plan G quote →
Connecticutfrom $295.75/mo at 65
Age 65$295.75HealthSpring
Age 70$295.75HealthSpring
Age 75$295.75HealthSpring
Lowest of 3 carriers quoted in surveyed ZIP 06902. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Connecticut Plan G quote →
Delawarefrom $184.27/mo at 65
Age 65$184.27HealthSpring
Age 70$192.66HealthSpring
Age 75$213.01HealthSpring
Lowest of 6 carriers quoted in surveyed ZIP 19720. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Delaware Plan G quote →
Floridafrom $225.34/mo at 65
Age 65$225.34HealthSpring
Age 70$243.85HealthSpring
Age 75$282.69HealthSpring
Lowest of 6 carriers quoted in surveyed ZIP 34787. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Florida Plan G quote →
Georgiafrom $214.00/mo at 65
Age 65$214.00BCBS
Age 70$239.95HealthSpring
Age 75$277.64Aetna
Lowest of 6 carriers quoted in surveyed ZIP 30043. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Georgia Plan G quote →
Hawaiifrom $190.85/mo at 65
Age 65$190.85Mutual of Omaha
Age 70$216.65Mutual of Omaha
Age 75$257.59Mutual of Omaha
Lowest of 4 carriers quoted in surveyed ZIP 96706. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Hawaii Plan G quote →
Idahofrom $259.98/mo at 65
Age 65$259.98Aetna
Age 70$259.98Aetna
Age 75$259.98Aetna
Lowest of 6 carriers quoted in surveyed ZIP 83646. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Idaho Plan G quote →
Illinoisfrom $195.32/mo at 65
Age 65$195.32HealthSpring
Age 70$203.21HealthSpring
Age 75$241.35HealthSpring
Lowest of 6 carriers quoted in surveyed ZIP 60629. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Illinois Plan G quote →
Indianafrom $160.07/mo at 65
Age 65$160.07HealthSpring
Age 70$188.14Humana
Age 75$225.37Humana
Lowest of 6 carriers quoted in surveyed ZIP 47906. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Indiana Plan G quote →
Iowafrom $154.33/mo at 65
Age 65$154.33HealthSpring
Age 70$158.22HealthSpring
Age 75$186.07HealthSpring
Lowest of 6 carriers quoted in surveyed ZIP 50023. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Iowa Plan G quote →
Kansasfrom $190.06/mo at 65
Age 65$190.06HealthSpring
Age 70$197.69HealthSpring
Age 75$240.74HealthSpring
Lowest of 6 carriers quoted in surveyed ZIP 66062. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Kansas Plan G quote →
Kentuckyfrom $214.09/mo at 65
Age 65$214.09UnitedHealthcare
Age 70$222.24Humana
Age 75$266.22Humana
Lowest of 5 carriers quoted in surveyed ZIP 40475. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Kentucky Plan G quote →
Louisianafrom $229.49/mo at 65
Age 65$229.49UnitedHealthcare
Age 70$234.84HealthSpring
Age 75$278.91HealthSpring
Lowest of 5 carriers quoted in surveyed ZIP 70726. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Louisiana Plan G quote →
Mainefrom $276.76/mo at 65
Age 65$276.76HealthSpring
Age 70$276.76HealthSpring
Age 75$276.76HealthSpring
Lowest of 5 carriers quoted in surveyed ZIP 04401. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Maine Plan G quote →
Marylandfrom $240.61/mo at 65
Age 65$240.61HealthSpring
Age 70$261.44Humana
Age 75$302.37UnitedHealthcare
Lowest of 6 carriers quoted in surveyed ZIP 20906. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Maryland Plan G quote →
Michiganfrom $198.08/mo at 65
Age 65$198.08UnitedHealthcare
Age 70$209.78Humana
Age 75$245.55Humana
Lowest of 6 carriers quoted in surveyed ZIP 48197. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Michigan Plan G quote →
Mississippifrom $176.36/mo at 65
Age 65$176.36Humana
Age 70$186.24Humana
Age 75$224.70Humana
Lowest of 5 carriers quoted in surveyed ZIP 38654. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Mississippi Plan G quote →
Missourifrom $269.25/mo at 65
Age 65$269.25UnitedHealthcare
Age 70$315.97HealthSpring
Age 75$375.27HealthSpring
Lowest of 5 carriers quoted in surveyed ZIP 63376. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Missouri Plan G quote →
Montanafrom $174.37/mo at 65
Age 65$174.37HealthSpring
Age 70$183.00HealthSpring
Age 75$217.14HealthSpring
Lowest of 6 carriers quoted in surveyed ZIP 59901. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Montana Plan G quote →
Nebraskafrom $189.58/mo at 65
Age 65$189.58HealthSpring
Age 70$199.18HealthSpring
Age 75$233.14HealthSpring
Lowest of 6 carriers quoted in surveyed ZIP 68516. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Nebraska Plan G quote →
Nevadafrom $202.30/mo at 65
Age 65$202.30HealthSpring
Age 70$220.33HealthSpring
Age 75$286.06HealthSpring
Lowest of 6 carriers quoted in surveyed ZIP 89110. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Nevada Plan G quote →
New Hampshirefrom $203.17/mo at 65
Age 65$203.17BCBS
Age 70$258.64HealthSpring
Age 75$299.74HealthSpring
Lowest of 6 carriers quoted in surveyed ZIP 03103. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact New Hampshire Plan G quote →
New Jerseyfrom $198.32/mo at 65
Age 65$198.32BCBS
Age 70$222.79HealthSpring
Age 75$264.60HealthSpring
Lowest of 6 carriers quoted in surveyed ZIP 08701. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact New Jersey Plan G quote →
New Mexicofrom $133.41/mo at 65
Age 65$133.41HealthSpring
Age 70$138.11HealthSpring
Age 75$165.31HealthSpring
Lowest of 6 carriers quoted in surveyed ZIP 87121. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact New Mexico Plan G quote →
New Yorkfrom $370.50/mo at 65
Age 65$370.50UnitedHealthcare
Age 70$370.50UnitedHealthcare
Age 75$370.50UnitedHealthcare
Lowest of 4 carriers quoted in surveyed ZIP 11368. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact New York Plan G quote →
North Carolinafrom $171.92/mo at 65
Age 65$171.92HealthSpring
Age 70$175.81HealthSpring
Age 75$210.30HealthSpring
Lowest of 6 carriers quoted in surveyed ZIP 27587. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact North Carolina Plan G quote →
North Dakotafrom $166.68/mo at 65
Age 65$166.68HealthSpring
Age 70$178.55HealthSpring
Age 75$209.01HealthSpring
Lowest of 6 carriers quoted in surveyed ZIP 58104. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact North Dakota Plan G quote →
Ohiofrom $164.38/mo at 65
Age 65$164.38HealthSpring
Age 70$168.52HealthSpring
Age 75$203.05HealthSpring
Lowest of 6 carriers quoted in surveyed ZIP 45011. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Ohio Plan G quote →
Oklahomafrom $225.64/mo at 65
Age 65$225.64Humana
Age 70$237.11Humana
Age 75$277.55Humana
Lowest of 6 carriers quoted in surveyed ZIP 73099. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Oklahoma Plan G quote →
Oregonfrom $260.53/mo at 65
Age 65$260.53UnitedHealthcare
Age 70$300.00BCBS
Age 75$363.00BCBS
Lowest of 6 carriers quoted in surveyed ZIP 97229. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Oregon Plan G quote →
Pennsylvaniafrom $209.34/mo at 65
Age 65$209.34HealthSpring
Age 70$215.67HealthSpring
Age 75$253.61HealthSpring
Lowest of 6 carriers quoted in surveyed ZIP 19120. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Pennsylvania Plan G quote →
Rhode Islandfrom $166.86/mo at 65
Age 65$166.86Humana
Age 70$202.99Humana
Age 75$246.98Humana
Lowest of 6 carriers quoted in surveyed ZIP 02860. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Rhode Island Plan G quote →
South Carolinafrom $167.25/mo at 65
Age 65$167.25Humana
Age 70$177.49Humana
Age 75$209.77Humana
Lowest of 6 carriers quoted in surveyed ZIP 29072. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact South Carolina Plan G quote →
South Dakotafrom $198.24/mo at 65
Age 65$198.24Humana
Age 70$222.99Humana
Age 75$263.57Humana
Lowest of 6 carriers quoted in surveyed ZIP 57106. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact South Dakota Plan G quote →
Tennesseefrom $176.96/mo at 65
Age 65$176.96HealthSpring
Age 70$179.61HealthSpring
Age 75$216.94HealthSpring
Lowest of 6 carriers quoted in surveyed ZIP 37013. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Tennessee Plan G quote →
Texasfrom $198.49/mo at 65
Age 65$198.49HealthSpring
Age 70$204.45HealthSpring
Age 75$246.36HealthSpring
Lowest of 6 carriers quoted in surveyed ZIP 77494. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Texas Plan G quote →
Utahfrom $231.29/mo at 65
Age 65$231.29HealthSpring
Age 70$242.99HealthSpring
Age 75$290.54HealthSpring
Lowest of 6 carriers quoted in surveyed ZIP 84043. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Utah Plan G quote →
Vermontfrom $248.69/mo at 65
Age 65$248.69HealthSpring
Age 70$248.69HealthSpring
Age 75$248.69HealthSpring
Lowest of 4 carriers quoted in surveyed ZIP 05401. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Vermont Plan G quote →
Virginiafrom $166.00/mo at 65
Age 65$166.00BCBS
Age 70$195.42HealthSpring
Age 75$241.63HealthSpring
Lowest of 6 carriers quoted in surveyed ZIP 22193. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Virginia Plan G quote →
Washingtonfrom $291.00/mo at 65
Age 65$291.00BCBS
Age 70$310.92HealthSpring
Age 75$310.92HealthSpring
Lowest of 5 carriers quoted in surveyed ZIP 99301. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Washington Plan G quote →
West Virginiafrom $180.95/mo at 65
Age 65$180.95Humana
Age 70$191.08Humana
Age 75$223.66Humana
Lowest of 6 carriers quoted in surveyed ZIP 26554. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact West Virginia Plan G quote →
Wyomingfrom $191.25/mo at 65
Age 65$191.25HealthSpring
Age 70$220.58Humana
Age 75$260.71Humana
Lowest of 6 carriers quoted in surveyed ZIP 82001. Male, non-tobacco, January 1, 2027 effective date, no discounts. Rates in your ZIP code may differ.
Get your exact Wyoming Plan G quote →
How we gathered these quotes
We ran Plan G quotes from six carrier groups: Humana, HealthSpring (formerly Cigna), UnitedHealthcare, Aetna, Mutual of Omaha and Blue Cross Blue Shield.
Quotes were collected on October 28, 2026 for a male, non-tobacco applicant with a January 1, 2027 effective date.
Premiums shown do not include household, electronic-payment or other discounts, so some applicants may pay less.
We used one ZIP code per state. These ZIP codes are examples, not representative samples of their entire states, and premiums elsewhere in the same state can be different.
Not every carrier quoted every ZIP code or every age. Blue Cross Blue Shield quotes were often available at age 65 only, so the lowest carrier can change from one age to the next.
We excluded three individual quotes that appeared to be data-entry errors (Idaho HealthSpring at 70, Nevada Mutual of Omaha at 75 and New Hampshire Aetna at 75).
Massachusetts, Minnesota and Wisconsin aren't included. Those states use their own standardized Medigap plans instead of the lettered plans.
The age 65, 70 and 75 figures are separate quotes for new applicants at each age. They are not a forecast of how one person's premium will rise over time.
HealthSpring was the lowest-priced option at age 65 in 25 of the 47 surveyed ZIP codes.
It wasn't the lowest everywhere, though. Humana, UnitedHealthcare and Blue Cross Blue Shield were each lowest in several surveyed ZIP codes.
Which Surveyed ZIP Codes Had the Lowest and Highest Plan G Premiums?
These are the five lowest and five highest age-65 quotes in our survey.
Lowest age-65 Plan G quotes, 2027
New Mexico ZIP 87121
$133.41
Virginia ZIP 22193
$166.00
Highest age-65 Plan G quotes, 2027
Missouri ZIP 63376
$269.25
Washington ZIP 99301
$291.00
Connecticut ZIP 06902
$295.75
New York ZIP 11368
$370.50
The gap between our New Mexico and New York ZIP codes was $237.09 a month — about $2,845 a year for the same coverage.
These results show how prices differed among the ZIP codes and carriers included in our research.
One ZIP code can't establish statewide pricing, so check quotes for your own address.
How Much Do Plan G Prices Vary Between Insurance Companies?
Here's our Florida sample (ZIP code 34787), where all six carrier groups quoted Plan G at all three ages.
| Company | Age 65 | Age 70 | Age 75 |
|---|
| HealthSpring | $225.34 | $243.85 | $282.69 |
| Blue Cross Blue Shield (Florida Blue) | $255.07 | $293.49 | $336.64 |
| Mutual of Omaha | $282.48 | $308.02 | $350.18 |
| UnitedHealthcare | $287.93 | $343.91 | $397.73 |
| Humana | $291.67 | $327.22 | $367.10 |
| Aetna | $315.54 | $344.20 | $383.51 |
Sample monthly quotes for ZIP 34787, male, non-tobacco, January 1, 2027 effective date, before any discounts.
At 65, the spread from cheapest to most expensive was $90.20 a month, or $1,082.40 a year.
Florida wasn't unusual. Across the 43 surveyed ZIP codes with five or more quotes, the median gap between the lowest and highest carrier was about $84 a month.
The widest gaps were in our Maine ($186.05), Missouri ($176.99) and Nevada ($167.29) ZIP codes.
Our findings show why comparing insurance companies in your own ZIP code can produce substantial savings without changing your Plan G benefits.
One thing I'd watch
The cheapest premium today isn't automatically the best long-term choice.
Before recommending a carrier, I also look at its financial strength and how it has raised rates in the past, because a low starting price can catch up with you.
Our guide to Medigap rate increases and our best Plan G companies rankings go deeper on this.
Why Does Plan G Cost More at Older Ages?
In our survey, the average lowest quote for a 75-year-old applicant was about $51 a month higher than for a 65-year-old.
Those are separate applicants, and the lowest carrier sometimes differs by age, so this isn't the increase one person would see over ten years.
How much age affects your price depends on how the specific policy is rated.
| Pricing method | How it works | What it means for you |
|---|
| Attained age | Premium is based on your current age and goes up as you get older. | Often the lowest starting price, but age increases come on top of other increases. |
| Issue age | Premium is based on your age when you buy. | Doesn't rise because of age, but can still rise for other reasons. |
| Community rated | Everyone pays the same premium regardless of age. | Can cost more at 65 but doesn't rise because of age. |
In a few surveyed ZIP codes, the quotes we received didn't change between ages 65, 70 and 75.
Matching quotes alone don't confirm how a policy is rated, so ask the insurer or your agent which method applies before you buy.
For a full explanation, see our guide to attained-age vs. issue-age Medigap plans.
What Affects Your Plan G Premium?
Since the benefits are identical, these are the factors that decide what you pay.
- ZIP code: Insurers price by region, and prices can differ within a state.
- Insurance company: In our survey, often worth $80 or more a month in the same ZIP code.
- Age: Its effect depends on how the policy is rated.
- Sex: Many carriers charge women less than men. Our quotes are for men.
- Tobacco use: Most carriers charge tobacco users more.
- Discounts: Many carriers offer household or payment-method discounts.
- Health and underwriting: Outside your Medigap Open Enrollment Period or another guaranteed-issue protection, insurers may consider your health when deciding whether to issue coverage and what premium class applies. State rules vary.
To estimate your total cost including the Part B premium and deductible, try our Medigap cost calculator.
Can You Lower Your Plan G Premium?
- Compare every carrier in your ZIP code. This is where our survey found the biggest differences.
- Ask about discounts. Household discounts can be meaningful if a spouse or partner is also buying.
- Consider High-Deductible Plan G. It has a much lower premium in exchange for a deductible.
- Re-shop if your rate jumps. You can apply to switch companies, though in most states you'll need to pass medical underwriting.
See High-Deductible Plan G and our Plan G vs. Plan N vs. HDG comparison to see whether a lower-premium plan fits your budget.
My experience
When clients call about a big Plan G increase, the first thing I check is whether they're healthy enough to pass underwriting.
If they are, switching to a lower-priced carrier with the same Plan G benefits is often the simplest fix.
If they aren't, it's better to know that before canceling anything.
Timing matters too. Your best chance at the lowest rate is your six-month Medigap Open Enrollment Period, when insurers can't use your health to deny you or charge more.
After that, some situations still give you guaranteed-issue rights.
2027 Plan G Cost FAQs
What is the average cost of Plan G in 2027?
In our 47-state survey, the lowest available quote averaged $208.09 a month at 65, $224.02 at 70 and $258.96 at 75 for a male nonsmoker.
Your price depends on your ZIP code, age, sex, tobacco use and insurer.
Does Plan G cover the same things with every company?
Yes. Plan G benefits are standardized by federal law, so every insurer pays the same benefits.
Price, financial strength and rate-increase history are what differ.
Does Plan G cover the Part B deductible?
No. Plan G covers nearly all Original Medicare cost-sharing except the annual Part B deductible, which you pay yourself.
Will my Plan G premium go up every year?
It often does. Premiums can rise for inflation and claims costs, and attained-age policies also rise with age.
How much varies by company and state.
Why was Plan G so expensive in your New York sample?
Our surveyed New York ZIP code had the highest lowest-available age-65 quote in our research, at $370.50, and fewer carriers quoted it.
State rules and the number of competing carriers can both affect pricing, so New York residents should compare every available carrier.
Is Plan G worth the cost?
For many people who can afford the premium, yes. It limits what you'll owe out of pocket and works with any provider who accepts Medicare.
Our guide on whether you need supplemental insurance walks through the trade-offs.
Bottom Line
If you're turning 65, compare Plan G across every carrier in your ZIP code during your open enrollment window, when you have the most choice.
If you already have Plan G and your rate has jumped, check whether you can pass underwriting, then compare the same plan from other companies.
If the premium itself is the problem, look at High-Deductible Plan G before giving up supplemental coverage.
For a ZIP-code comparison of 2027 rates, call us at 888-414-4547 or request your quotes online.
