How Much Does Medicare Cost in Pennsylvania in 2026?
By Anthony Orner, Licensed Medicare Insurance Broker — PA, NJ & 33 other states
Last reviewed: August 2026 · Sources: CMS.gov, CSG Actuarial rate filings (as of 2026-07-12)
2026 Cost Breakdown for PA Medicare
Monthly Costs
$202.90 Part B premium
$138–$296 Plan G filed range
~$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
Quick answer
Most PA residents with comprehensive Medigap coverage (Plan G) pay $341–$498/month total — that is the $202.90 Part B premium plus the filed Plan G rate ($138–$296 in the current CSG snapshot). In return, they have near-zero out-of-pocket costs and can see any doctor in the US who accepts Medicare.
2026 Medicare Cost Summary — Pennsylvania
| Cost Item | 2026 Amount | Notes |
|---|---|---|
| Part A premium | $0 for most | Free if 40+ quarters of Medicare taxes |
| Part A deductible (per benefit period) | $1,736 | Covered by Plan G and Plan N |
| Part B premium | $202.90/month | Federal standard; higher if IRMAA applies |
| Part B deductible | $283/year | Not covered by Plan G or Plan N — you pay it |
| Medigap Plan G (PA filed range) | $138–$296/month | CSG filed rates, age 65; varies by carrier and rating area |
| Medigap Plan N (PA filed range) | $115–$228/month | Plus up to $20 copay per visit |
| Part D drug plan (avg) | $30–$60/month | Varies by plan and drugs needed |
Total Monthly Cost Scenarios
Original Medicare Only
⚠️ Unlimited out-of-pocket exposure — 20% of all Part B costs with no cap
Plan G + Part D (Recommended)
✅ Near-zero out-of-pocket — only the $283 Part B deductible per year
Why the Carrier You Pick Matters More in PA
The filed Plan G range above is not a rounding error — the most expensive PA carrier charges more than double the cheapest for federally identical coverage. Two PA-specific factors widen the gap further: most PA carriers use attained-age rating, so the premium climbs as you age on top of general rate increases, and nearly all PA carriers file separate tobacco rates (unlike neighboring New Jersey, which bars tobacco differentials during open enrollment). See the PA Medigap Rate Index for the full filed-rate dataset, including named-carrier examples and rate-increase histories.
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