Plan G vs Plan N in Michigan: One Carrier Holds Both Floors, and Two Kinds of Gap

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Michigan filed rates pulled September 10, 2026, CSG Actuarial · Wayne County (ZIP 48111)

Members Health files the cheapest Plan G in Wayne County at $113.48 and the cheapest Plan N at $89.47, for a 65-year-old woman who does not use tobacco (CSG Actuarial, pulled September 10, 2026). $24.01 a month separates them, $288 a year. 24 of Michigan's 27 Plan N filings cost more than that $113.48 Plan G.

Michigan's board has two kinds of carrier. 6 price the letters within $25 of each other, mostly the state's own Blue and HMO-affiliated plans, where Plan N saves one office copay a month. 18 price them $45 or more apart, mostly national supplement writers, where Plan N buys back real money. Which half you shop decides whether the letter matters.

The carrier pays the broker. Your filed premium does not change.

The Two Michigans: Gaps Under $25 and Gaps Over $45

2 carriers sit between the two groups, $34.63 to $35.96 apart. United American files Plan N $9.00 above its Plan G. The floor carrier's own gap, $24.01, lands in the close group, so at the bottom of the board the letter is a small decision.

All 27 Michigan Pairs, Cheapest Plan N First

ZIP 48111, CSG Actuarial filings pulled September 10, 2026; each carrier's lowest filed rate class; woman aged 65, non-tobacco, no household discount. Green rows are Plan N lines under the cheapest Plan G. Two companies file under one name in some rows; each is listed on its own.

Both Floors From 65 to 80, Same Carrier Throughout

25 of 27 Michigan carriers price on attained age. The Plan N floor climbs from $89.47 at 65 to $123.90 at 75; Plan G from $113.48 to $156.45. The gap goes $24.01 to $32.55. Members Health keeps both floors at every age in the table.

Wayne County floors by age; statewide medians.

Detroit, Grand Rapids, Traverse City: 3 Floor Pairs

Michigan files 44 rating areas across 83 counties, and the key counties in our file fall into 3 groups at the floor. $113.48 and $89.47; $119.78 and $94.44; $126.08 and $99.18. The gap moves only from $24.01 to $26.90, so the letter decision is the same across the state; the premium is not.

Cheapest group first; each county at the ZIP covering the most of its land area. Floor carrier in every row: Members Health.

Copays, Excess Charges and the Michigan Plan N Habit

Plan N asks up to $20 at some office visits and up to $50 at an ER visit that does not become an admission, and it does not pay Part B excess charges, which Michigan permits a non-participating doctor to bill at up to 15% over the approved amount. Plan G pays all three. Both letters pay the $1,736 Part A deductible; neither pays the $283 Part B deductible.

Michigan holds Plan N at a higher rate than most states: 51,429 policies at the December 2023 NAIC count, 13.5% of 382,269, rank 6 of 28 in our file, against 159,198 on Plan G and 98,080 on Plan F. 22 carriers in the pair table carry a 2026 Plan G filing, the largest Humana Insurance Company at +34.1% effective July 1, 2026. The Michigan list is on 2026 Medigap rate increases.

Methodology

• Every premium is a filed rate read at build time from the Michigan file of our licensed CSG Actuarial pull dated September 10, 2026. No number is typed.
• Profile: woman, non-tobacco, individual, no household discount, ZIP 48111 in Wayne County; each carrier's lowest filed rate class. Guaranteed-issue and direct-to-consumer classes and rows above four times the state median are excluded.
• Pairs match a carrier's two letters by NAIC code. “Close” is a gap of $25 or less; “far” is $45 or more; the thresholds are ours.
• “Plan N filings over the cheapest Plan G” counts Plan N lines on the Wayne County board filed at or above $113.48.
• Cross-state ranks compare Michigan with the 28 state files carrying both letters at 65. Enrollment is the NAIC statewide count as of December 2023.
• Copay caps and deductibles are 2026 federal figures from one source file.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in Michigan and 34 other states. MedicareYourself (EasyKind Medicare) is an independent brokerage with no affiliation to Medicare, CMS or any carrier. We do not offer every plan available in your area; contact Medicare.gov or 1-800-MEDICARE for all options.