How much does Medicare cost per month in Ohio in 2026?

The base cost of Medicare in Ohio is the Part B premium of $202.90/month (2026), which everyone pays regardless of which plan they choose. If you add a Medigap Plan G, filed rates for a 65-year-old run $118.17 to $342.84/month across 32 carriers (CSG Actuarial data as of 2026-07-12) — totaling roughly $321 to $546/month for comprehensive coverage with no networks and near-zero out-of-pocket costs.

Is Medicare free in Ohio?

Medicare Part A (hospital insurance) is free for most people who worked and paid Medicare taxes for at least 10 years. Part B (medical insurance) costs $202.90/month in 2026. Part D (drug coverage) averages $30–$50/month. Medigap coverage is optional but eliminates most cost-sharing. There is no such thing as completely free comprehensive Medicare coverage.

How much does Medigap Plan G cost in Ohio in 2026?

Filed Plan G rates for a 65-year-old Ohio resident range from $118.17 to $342.84 per month across 32 carriers (CSG Actuarial, as of 2026-07-12) — the widest spread of any state we track. The benefits are federally identical at every carrier, so an Ohio retiree who takes the first quote they're shown has more to lose than almost anyone in the country. Comparing filed rates before you enroll matters enormously here.

Why do Ohio Medigap premiums vary so much between carriers?

The benefits in each lettered Medigap plan are identical no matter which insurance company sells it, so price is the only real difference between two carriers offering the same plan letter. Ohio has one of the deepest Medigap markets in the country — 32 carriers filed Plan G rates in our latest snapshot — and each files its own rates by rating area within the state. That depth creates competition at the low end and outliers at the high end, which is why the spread is so wide.

Does Ohio have income-based help paying for Medicare?

Yes. The Medicare Savings Program (MSP) can pay your Part B premium if you qualify based on income, and Extra Help (Low Income Subsidy) assists with Part D drug costs. OSHIIP — the Ohio Senior Health Insurance Information Program, run by the Ohio Department of Insurance — provides free, unbiased Medicare counseling and can check your eligibility. Reach OSHIIP at 1-800-686-1578.

What is the Medicare Part B deductible in Ohio in 2026?

The Medicare Part B deductible is $283 in 2026 — this is a federal amount that applies nationwide, not Ohio-specific. Plan G covers everything except this deductible. Plan F covers it entirely but is only available to those who became Medicare-eligible before January 1, 2020.

Does Ohio use community rating for Medigap premiums?

No. Ohio does not require community rating for Medicare Supplement plans. Carriers choose their own pricing method, and most Ohio Medigap carriers use attained-age rating, meaning your premium rises as you get older. Most Ohio carriers also file separate tobacco rates. Because the method varies by carrier, compare both the starting rate and how the rate behaves over time, not just the age-65 price.

When is the best time to buy a Medigap plan in Ohio to get the lowest cost?

The best time is during your 6-month Medigap Open Enrollment Period, which starts the month you are 65 or older and enrolled in Part B. During this window, you have guaranteed issue rights — carriers cannot deny you or charge more due to health. Outside this window, Ohio insurers can use medical underwriting. Call 855-559-1700 to review your options.

What is the Part A hospital deductible in Ohio for 2026?

The Medicare Part A hospital deductible is $1,736 per benefit period in 2026. This is a federal amount and applies in every state, including Ohio. Medigap Plan G and Plan N both fully cover this deductible, which is one of the main reasons many Ohio beneficiaries add a supplement.

How Much Does Medicare Cost in Ohio in 2026?

By Anthony Orner, Licensed Medicare Insurance Broker — OH, NJ & 33 other states

Last reviewed: August 2026 · Filed-rate data as of 2026-07-12 · Sources: CSG Actuarial, CMS.gov, Ohio Department of Insurance

Quick answer

Most Ohio residents with comprehensive Medigap coverage (Plan G) pay $321–$546/month total — that is the $202.90 Part B premium plus a filed Plan G rate of $118.17–$342.84 at age 65, depending on carrier. Ohio has both the cheapest filed Plan G entry price and the widest carrier spread of any state we track — $224.67/month between the cheapest and most expensive filing for identical benefits. Here, the carrier you pick is everything.

2026 Cost Breakdown for Ohio Medicare

Monthly Costs

$202.90 Part B premium

$118.17–$342.84 Plan G filed rates (age 65)

~$40 Part D drug plan

Annual Deductibles

$283 Part B (you pay this even with Plan G)

$1,736 Part A per benefit period (Plan G covers it)

$0 out-of-pocket after the Part B deductible with Plan G

What Plan G Actually Costs in Ohio — Filed Rates by Age

These are carrier filed rates from CSG Actuarial as of 2026-07-12 — the real prices insurers filed with regulators, not marketing teasers. Every Plan G below covers the exact same federally standardized benefits.

Plan G — age	Lowest filed rate	Highest filed rate	Monthly spread	Carriers quoting
65	$118.17	$342.84	$224.67	32
67	$118.17	$346.22	$228.05	32
69	$124.08	$357.31	$233.23	32

Sample: ZIP 44101 (Cleveland), female, non-tobacco, no household discount. Carriers price by rating area within Ohio, so your ZIP may differ from this Cleveland sample. Most Ohio carriers use attained-age rating, so premiums also rise with age.

Plan N Filed Rates by Age (Ohio)

Plan N trades small copays (up to $20 per doctor visit, up to $50 per ER visit) for a lower premium — filed rates start at $102.31/month at age 65.

Plan N — age	Lowest filed rate	Highest filed rate	Monthly spread	Carriers quoting
65	$102.31	$277.27	$174.96	31
67	$102.31	$292.00	$189.69	31
69	$104.36	$312.00	$207.64	31

Same sample profile as Plan G above.

Household Discounts Can Lower Your Cost

4 of 32 Ohio Plan G carriers offer a household discount worth 10%–12.2% off the monthly premium. With the discount applied, filed Plan G rates start at $117.08. If you and your spouse are both enrolling, the discount can change which carrier is actually cheapest for your household.

Named-Carrier Examples (Plan G, age 65)

From our published carrier reviews (July 2026 CSG dataset): Bankers Fidelity files $135.52/month in Ohio (rank 3 of 32), Medico (Wellabe) files $146.89 (rank 6, after a +9% filing effective February 2026), and Humana files $179.25 (rank 16, after a +25.03% filing effective April 2026). A carrier's rate-increase history matters as much as its starting price — a cheap rate that climbs 25% a year stops being cheap fast.

Total Monthly Cost Scenarios

Original Medicare Only

Part B premium$202.90

Part D drug plan~$40

Monthly total~$243

⚠️ Unlimited out-of-pocket exposure — 20% of all Part B costs with no cap

Plan G + Part D (Recommended)

Part B premium$202.90

Medigap Plan G (lowest filed)$118.17

Part D drug plan~$40

Monthly total~$361

✅ Near-zero out-of-pocket — only the $283 Part B deductible per year

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Methodology

Medigap rates are carrier filed rates from CSG Actuarial as of 2026-07-12, not marketing quotes.
Sample profile: female, non-tobacco, ZIP 44101 (Cleveland); ages as labeled; household discount excluded except where noted.
Federal figures (Part A/B deductibles, Part B premium) are 2026 amounts from CMS.gov.
Carrier counts reflect carriers returning a filed quote for this profile; carriers can enter or exit between snapshots.
Figures refresh automatically when the underlying CSG snapshot updates; the as-of date above always reflects the current data.