What does Medicare cost per month in Ohio in 2026, all in?

Part B is $202.90 a month for everyone. Add the cheapest filed Plan G in Cleveland and the bill is $321; add the most expensive and it is $546 (CSG Actuarial, 2026-07-12). "How much are you paying for that?" is the first thing I ask an Ohio caller. The answer usually tells me they never saw the other 31 carriers.

Is Medicare free in Ohio if I worked 40 quarters?

Part A has no premium after 40 quarters of Medicare taxes. Part B is $202.90 a month in 2026 no matter where you live. A supplement and a drug plan sit on top of that. For an Ohioan with Plan G the Medicare bill starts around $321 a month before the drug plan.

Why is the Ohio Plan G price gap so wide?

$224.67 a month separates the cheapest and most expensive Plan G filing at 65 in Cleveland, more than in any other state in our snapshot. Two things drive it. 32 carriers file here, so new blocks priced to win business sit next to old blocks priced to their claims. And Ohio carriers set rates by rating area, so a carrier that is mid-pack in Cleveland can be cheapest or dearest elsewhere in the state.

Once I turn 65 in Ohio, does the Medigap rate go up every year?

Usually twice over: once for age, once for the carrier's filing. Most Ohio filings are attained-age. In the 2026-07-12 snapshot the highest filed Plan G rises from $342.84 at 65 to $357.31 at 69, and the lowest goes from $118.17 to $124.08. Then come the filings: Humana filed +25.03% effective April 2026, and Mutual of Omaha filed +25% effective May 2026 on its Ohio block. Ask for the filing history before you take the lowest number.

What's the deductible with Plan G in Ohio?

One: the Part B deductible of $283 for 2026, a federal amount that is the same in every state. Plan G does not cover it. Plan G does pay the $1,736 Part A hospital deductible, and after the Part B deductible it pays the rest of Medicare-approved charges. Plan N pays the same hospital deductible but adds office and ER copays.

Is there help paying the Part B premium in Ohio?

Yes. The Medicare Savings Program pays the Part B premium for people under its income limits, and Extra Help lowers Part D drug costs. OSHIIP, the Ohio Department of Insurance's counseling program, checks eligibility for free at 1-800-686-1578 and sells nothing. We do the Medigap quoting; OSHIIP does the benefit screening. Use both.

Does Ohio use community rating, or does my age set the price?

Ohio does not require community rating. Each carrier picks its method, and most Ohio filings are attained-age, so the premium climbs with your birthday. Most Ohio carriers also file a separate tobacco rate: in the 2026-07-12 snapshot 37 of 42 quotes carried a surcharge, averaging about 46.6%. Compare the age-65 price and the age-69 price together, not the first number alone.

When is Plan G cheapest to buy in Ohio?

During the six-month Medigap open enrollment window that starts the month you are 65 and enrolled in Part B. No Ohio carrier can decline you or add a health surcharge inside that window. The window does not lower the filed rate; it guarantees you get it. Outside the window Ohio carriers underwrite, so the cheapest carrier on the table may not take you.

How much cheaper is Plan N than Plan G in Ohio?

$15.86 a month at the cheapest carrier: $102.31 for Plan N against $118.17 for Plan G at 65 in Cleveland, about $190 a year. 31 carriers filed Plan N here. The trade is copays of up to $20 at the office and up to $50 at the ER, plus any Part B excess charge. Neither plan pays the Part B deductible.

What Medicare Costs in Ohio in 2026: the Part B Premium Plus Plan G

By Anthony Orner, Independent Licensed Medicare Insurance Broker (New Jersey and 34 other states)

Last reviewed: September 2026 · Filed-rate data as of 2026-07-12 · Source: CSG Actuarial · Sample ZIP 44101, Cleveland

The Ohio bill in one line

A 65-year-old in Cleveland pays $321 to $546 a month for Part B plus Plan G in 2026. That is the $202.90 Part B premium plus a filed Plan G rate of $118.17 to $342.84, across 32 carriers (CSG Actuarial filed rates, 2026-07-12). The $224.67 gap between those two carriers is the widest we track in any state. Same plan letter, same claims paid. Over a year that gap is $2,696.

Where each dollar goes, Ohio, 2026

Every month, at 65

$202.90 Part B premium, paid to Medicare

$118.17 to $342.84 Plan G, paid to the carrier you pick

~$40 Part D drug plan, set by your drug list

Once a year, or per hospital stay

$283 Part B deductible, not paid by Plan G or Plan N

$1,736 Part A deductible per benefit period, paid by Plan G

$0 further Medicare-approved doctor or hospital bills with Plan G

The Plan G Line at 65, 67, and 69

Part B is the same $202.90 in Cleveland and in Cincinnati. The Plan G line is not. 32 carriers filed a Plan G rate for this sample, from $118.17 to $342.84. At the top of the table, the supplement costs more than Medicare itself. Each row shows the cheapest and the most expensive filing at that age, and the gap between them.

Plan G at age	Cheapest filing	Most expensive filing	Gap per month	Carriers filing
65	$118.17	$342.84	$224.67	32
67	$118.17	$346.22	$228.05	32
69	$124.08	$357.31	$233.23	32

Source: CSG Actuarial filed rates, 2026-07-12. Sample: ZIP 44101 (Cleveland), female, non-tobacco, no household discount. Ohio carriers file by rating area, so a Columbus or Toledo ZIP returns different numbers than this Cleveland sample. Most Ohio filings are attained-age, so the number also climbs on each birthday.

Pick the top of the table instead of the bottom and the difference is $2,696 a year. Over 20 years, before a single rate increase, it is $53,921. The whole bill, Part B included, runs from about $3,853 to about $6,549 a year at 65.

Plan N in Ohio: What the Copays Buy Back

The cheapest Ohio Plan N at 65 is $102.31, $15.86 under the cheapest Plan G. In return you pay up to $20 at an office visit and up to $50 at the emergency room, and Part B excess charges are yours. Four office visits a year is $80 in copays against about $190 in premium saved.

Plan N at age	Cheapest filing	Most expensive filing	Gap per month	Carriers filing
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 Cleveland sample as the Plan G table.

Which of the 32 is cheapest at your ZIP?

Cleveland's ranking is not Dayton's. Call with your ZIP and birth date and we read back every filed Ohio carrier in order. Carriers pay the broker; your price is the same either way.

Call for Ohio Filed Rates — 855-559-1700

Household Discount: 4 of 32 Ohio Carriers File One

The discount is worth 10% to 12.2% and takes the cheapest discounted Plan G to $117.08 at 65. Only 4 carriers in this Ohio field offer it, so a couple's cheapest carrier is often not a single applicant's cheapest carrier. We quote both ways on every call.

Six Ohio Carriers We Have Reviewed, With Their Latest Filing

Bankers Fidelity: $135.52 at 65, rank 3 of 32, +12% effective January 2026.
Insurance Co of North America (Chubb): $141.86 at 65, rank 4 of 32, no filing on record.
Medico: $146.89 at 65, rank 6 of 32, +9% effective February 2026.
WoodmenLife: $170.59 at 65, rank 12 of 32, +9% effective June 2026.
Humana: $179.25 at 65, rank 16 of 32, +25.03% effective April 2026.
Mutual of Omaha: $204.05 at 65, rank 25 of 32, +25% effective May 2026.

The median filed Plan G in Ohio is $179.81. Bankers Fidelity sits $44.29 under it even after its +12% effective January 2026 filing. Mutual of Omaha filed +30% effective April 2025 and then +25% effective May 2026 on the same Ohio block; that is how a carrier lands at rank 25 of 32. The starting price is half the decision. The filing history is the other half.

Two Ohio Bills, Side by Side

Part B and a drug plan, no supplement

Part B premium$202.90

Part D drug plan~$40

Monthly total~$243

The 20% Part B coinsurance has no yearly cap.

Part B, the cheapest filed Plan G, and a drug plan

Part B premium$202.90

Plan G, cheapest Ohio filing at 65$118.17

Part D drug plan~$40

Monthly total~$361

After the $283 Part B deductible, Plan G pays the rest of Medicare-approved charges.

Holding an Ohio rate-increase letter?

Read us the carrier and the new premium. We tell you where it now ranks among 32 filed Ohio Plan G rates and whether the health questions are worth answering.

Compare My Ohio Rate — 855-559-1700

Methodology

Premiums are carrier filed rates pulled from CSG Actuarial on 2026-07-12. No rate on this page was typed by hand.
Sample profile: female, non-tobacco, ZIP 44101 (Cleveland), no household discount unless the sentence says so.
The Part B premium and the Part A and Part B deductibles are 2026 CMS amounts, held in one file and imported here.
Named-carrier rates, ranks, and filings come from our carrier reviews, dated 2026-07-15.
Totals are simple addition: Part B premium plus the filed Plan G rate. Part D is an estimate that depends on your drug list.
A carrier count is the number of carriers that returned a filed quote for this profile. Entries and exits between snapshots change it.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in New Jersey and 34 other states. MedicareYourself (EasyKind Medicare) is an independent brokerage, not affiliated with Medicare, CMS, or any carrier. The carrier you enroll with pays the broker; the premium you pay does not change.