How much does Plan G cost in Pennsylvania in 2026?

In the July 2026 CSG Actuarial snapshot, filed Plan G rates for a 65-year-old in Philadelphia ranged from roughly $138 to $296 per month across 28 carriers — for federally identical coverage. The spread reflects differences in each carrier's pricing methodology, rate-increase history, and available discounts. Comparing every licensed carrier is the only reliable way to find the lowest rate for your situation.

Does Plan G cost the same at 65 as it does at 69 in Pennsylvania?

It depends on the carrier. Pennsylvania permits multiple Medigap pricing methodologies: community-rated carriers charge everyone the same regardless of age, issue-age-rated carriers lock your rate at the age you enrolled, and attained-age-rated carriers — the most common in PA — increase premiums every year as you age. A 69-year-old can pay meaningfully more for the same Plan G from an attained-age carrier than a 65-year-old pays from that same carrier.

What is the typical spread between the cheapest and most expensive Plan G in PA?

In the July 2026 filings, the gap between the lowest and highest filed Plan G premium for a 65-year-old Philadelphia enrollee exceeded $150 per month — for coverage that is federally standardized and covers the exact same services. Over a 20-year Medigap enrollment, that gap compounds into tens of thousands of dollars of preventable spending. Carrier comparison is the single highest-leverage decision in Medigap shopping.

Can I get a household discount on my Pennsylvania Medigap plan?

Some Pennsylvania carriers offer a household discount — in the July 2026 filings, 5 of the 28 Plan G carriers offered one, worth roughly 11% to 20% off the monthly premium. Eligibility rules vary by carrier: some require both spouses to apply, and some only require another adult in the household to have (or be applying for) Medigap coverage. Because the rules differ, the discount is often missed by applicants going direct to a single insurer.

Does Pennsylvania charge smokers more for Medigap?

Usually, yes. Unlike New Jersey — which prohibits tobacco rate differentials during the Medigap Open Enrollment Period — nearly every Pennsylvania Medigap carrier files separate tobacco rates. In the July 2026 CSG snapshot, tobacco surcharges started at 10% and averaged roughly 35% over the non-tobacco rate, with some carriers filing far higher. If you use tobacco, which carrier you choose matters even more in PA.

How many Medigap carriers offer Plan G in Pennsylvania?

In the July 2026 CSG snapshot, 28 carriers returned a filed Plan G quote for a 65-year-old in Philadelphia. Each prices the same federally-standardized coverage differently based on its book of business, rate-filing history, and pricing methodology. Not every carrier offers every plan letter, and carriers can enter or exit the market between filing cycles.

What is the difference between Plan G and Plan N pricing in Pennsylvania?

Plan N premiums typically run $20 to $40 per month lower than Plan G from the same carrier — in the July 2026 PA filings, the cheapest filed Plan N was about $23/month below the cheapest Plan G. Plan N adds small copays (up to $20 per office visit and up to $50 per ER visit) and does not cover Part B excess charges, but otherwise provides comparable coverage.

How often do Pennsylvania Medigap carriers raise rates?

Most PA Medigap carriers file rate adjustments annually, and the size varies widely. From recent CSG filing data: Mutual of Omaha has filed five consecutive annual increases in PA (most recently 19% effective May 2026), Humana filed +19.53% effective November 2025, while Bankers Fidelity's PA block has risen only about 11% cumulatively over five years. A broker can pull each carrier's filing history before you commit.

Pennsylvania Medicare Supplement Pricing for Ages 65–69 (2026)

By Anthony Orner, Licensed Medicare Insurance Broker

Verified against CSG Actuarial rate filings · Updated 2026-07-12 · Sample ZIP 19103, Philadelphia

Medicare Supplement (Medigap) benefits are set by federal law — a Plan G from any licensed Pennsylvania carrier covers the exact same services as Plan G from any other carrier, at the same doctor's offices and hospitals, with the same claims process. What differs is the monthly premium, the rate-increase history, and the discounts the carrier offers. This page shows the 2026 spread across every licensed carrier in Pennsylvania for ages 65, 67, and 69.

2026 PA Plan G Spread

$138 to $313/month across 28 carriers

A $176/month gap between the cheapest and most expensive Plan G in Pennsylvania — for coverage that is federally identical. Over 20 years of Medigap enrollment, that gap compounds into six figures of preventable spending.

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Plan G Premium Spread by Age

Plan G is the most comprehensive plan available to anyone newly eligible for Medicare in 2026 — it covers everything Original Medicare leaves behind except the annual Part B deductible ($283). The table below shows the monthly premium spread across every licensed Plan G carrier in Pennsylvania for ages 65, 67, and 69.

Age	Lowest	Highest	Spread	Carriers
Plan G, age 65	$138/mo	$296/mo	$158/mo	28
Plan G, age 67	$138/mo	$296/mo	$158/mo	28
Plan G, age 69	$143/mo	$313/mo	$170/mo	28

Source: CSG Actuarial rate filings, 2026-07-12. Sample ZIP 19103, Philadelphia. In-state rates may vary by rating area.

Plan N Premium Spread by Age

Plan N trades lower premiums for small copays (up to $20 per office visit and up to $50 per ER visit) and does not cover Part B excess charges. For enrollees who rarely see specialists and whose providers do not charge excess fees, Plan N is frequently the best monthly value in the PA market.

Age	Lowest	Highest	Spread	Carriers
Plan N, age 65	$115/mo	$228/mo	$114/mo	28
Plan N, age 67	$115/mo	$228/mo	$114/mo	28
Plan N, age 69	$115/mo	$254/mo	$139/mo	28

Source: CSG Actuarial rate filings, 2026-07-12. Sample ZIP 19103, Philadelphia.

Why the Price Gap Is So Wide in Pennsylvania

Pennsylvania does not mandate a single Medigap pricing methodology, and the mix is the single biggest driver of the premium spread:

Attained-age-rated carriers — the most common in PA — raise your premium every year as you age, on top of general rate increases. These carriers often offer the cheapest Plan G at 65 and the most expensive at 75. The cheapest Plan G today is not always the cheapest Plan G at age 75.
Issue-age-rated carriers lock your rate at the age you enrolled. Applying at 65 and holding the same plan for 15 years means no age-based premium increases — only general rate adjustments.
Community-rated carriers charge every enrollee the same base rate regardless of age. Older applicants benefit most; the youngest applicants often find these carriers priced higher than age-based alternatives.

Because these methodologies coexist in PA, the 2026 Plan G premium for a single 67-year-old enrollee can differ by more than $150 a month depending solely on which carrier issued the policy. A broker can show you not just today's rates but each carrier's pricing methodology and historical rate-adjustment pattern.

The Household Discount Most PA Applicants Miss

5 of the licensed PA Plan G carriers offer a household discount, ranging from 11% to 20% off the standard monthly premium. Eligibility rules vary by carrier: some require marriage, some accept cohabitation, and some only require another adult in the household to have (or be applying for) Medigap coverage with any carrier.

Because the eligibility rules differ carrier by carrier, this discount is routinely missed by applicants going direct to a single insurer's website. It can change which carrier is actually cheapest for a couple.

Tobacco Rating: Where PA Differs Most from Neighboring States

Unlike New Jersey — which prohibits tobacco rate differentials during the Medigap Open Enrollment Period — Pennsylvania carriers routinely file separate tobacco rates. In the current CSG snapshot, 35 of 37 PA carriers quoting this profile apply a tobacco surcharge, starting at 10% and averaging roughly 35% over the non-tobacco rate — with the steepest filed surcharge reaching 285.4%.

The practical takeaway: if you use tobacco, the carrier ranking changes. The cheapest non-tobacco Plan G in Pennsylvania is often not the cheapest tobacco-rated Plan G, and the difference between carriers' tobacco surcharges can be hundreds of dollars a year. This is exactly the kind of filing-level detail a single carrier's website will never show you.

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Pennsylvania Medigap Pricing FAQ

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Related PA Medigap guides

Data source & methodology

Premium spreads on this page are pulled from the CSG Actuarial rate-filing database — the same source licensed Medigap brokers use to compare carriers. The snapshot reflects sample-ZIP rates for Female applicants non-tobacco at ages 65, 67, and 69 in Philadelphia. In-state rates can vary by rating area; call for your ZIP-specific quote.

MedicareYourself (EasyKind Medicare) is an independent brokerage licensed in PA, NJ, and 33 other states. We are not affiliated with Medicare, CMS, or any insurance carrier.