Medicare Supplement (Medigap) Calculator
Estimate your Plan G or Plan N premium from current average rates, your age, and your area.
Your plan
Plan G and Plan N are the two most common choices for new enrollees today.
Estimated Monthly Premium
$220/mo
≈ $2,640/yr
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Why Medigap Pricing Isn't One Number
Unlike ACA Marketplace plans, Medigap premiums aren't income-adjusted — they're priced almost entirely on the plan letter you choose, your age, and where you live. Most insurers use attained-age pricing, meaning the same plan gets more expensive every year you age into a new bracket, independent of whether you filed a single claim.
Plan G vs. Plan N at a Glance
| Plan | Typical premium at 65 | What you still pay |
|---|---|---|
| Plan G | ~$220/mo | Just the annual Part B deductible |
| Plan N | ~$171/mo | Part B deductible, small office/ER copays, Part B excess charges |
Plan N trades a lower premium for a bit more cost-sharing at the point of care — it tends to suit people who rarely see specialists or visit the ER.
The Three Medigap Pricing Methods
Community-rated
- Everyone on the plan pays the same rate regardless of age
- Premium still rises over time with overall healthcare inflation
- Least common, but predictable long-term
Attained-age (most common)
- Premium increases as you age into each new bracket
- Lowest starting price, but highest long-run cost
- What this calculator models
Worth knowing: Medigap and Medicare Advantage aren't compatible — you choose one path or the other. If you're still weighing that decision, our Long-Term Care Insurance Calculator is worth checking too, since neither Medigap nor Medicare Advantage covers extended long-term care.
Frequently Asked Questions
What is the difference between Medigap Plan G and Plan N?
Plan G covers nearly everything Original Medicare doesn't, except the annual Part B deductible, and averages around $220/month at age 65. Plan N costs less (around $171/month at 65) but requires small copays for office visits and ER trips, and doesn't cover Part B excess charges.
Can I still buy Medigap Plan F?
Only if you were eligible for Medicare before January 1, 2020 — Plan F (and Plan C) were closed to new enrollees after that date because they cover the Part B deductible, which Congress decided shouldn't be first-dollar-covered for new beneficiaries.
Why does my Medigap premium go up every year even if I don't file a claim?
Most insurers use attained-age pricing, meaning your premium rises as you get older regardless of your claims history, since the whole risk pool's cost is expected to increase with age. Community-rated and issue-age-rated plans handle this differently, but are less common.
Does Medigap cost vary a lot by state?
Yes — significantly, due to differences in state regulation, local healthcare costs, and insurer competition. The same plan letter can cost noticeably more in one state or ZIP code than another.
Do I need Medigap if I have a Medicare Advantage plan?
No — you can't have both. Medigap supplements Original Medicare (Parts A and B); Medicare Advantage is an alternative, all-in-one private plan that replaces Original Medicare rather than supplementing it.
Is this an actual Medigap quote?
No — this estimates a premium from current average published rates adjusted for age and location cost factors, not a quote from any specific insurer. Actual pricing varies by insurer, exact ZIP code, and sometimes health status at initial underwriting.
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