How much cheaper is Plan G than Plan F?

Plan G typically costs $30–$60 less per month than Plan F, depending on age and carrier. Since Plan F and Plan G have identical benefits except that Plan G doesn't cover the $283 Part B deductible, most people save money overall with Plan G.

Why do Medicare Supplement rates vary so much between carriers for the same plan letter?

Every Medigap plan letter is standardized by Medicare, so a Plan G from one carrier covers the exact same benefits as a Plan G from another. The difference is pricing strategy. Some carriers price low to attract new enrollees, then raise rates aggressively. Others start slightly higher but hold steadier over time.

When is the best time to buy a Medicare Supplement to get the lowest rate?

Your 6-month Medigap Open Enrollment Period, which starts the month you turn 65 and are enrolled in Part B, gives you guaranteed issue rights. During this window, carriers can't charge more or deny you based on health. Applying up to 6 months before your Part B start date helps lock in the best rate.

Do Medicare Supplement rates go up every year?

Yes, in most cases. Attained-age rated plans increase as you get older, and all plans can receive block rate increases when claims in your insured pool rise. Some years you may see 4–6% bumps; other years, 10–18% jumps when age and block increases stack together.

Best Medicare Supplement Rates by Age: Plan G, Plan N, and Plan F Compared for 2025–2026

Best Medicare Supplement rates by age for Plan G, Plan N, and Plan F

Best Medicare Supplement rates by age depend on three things: which plan letter you pick, how old you are when you enroll, and how your carrier prices its policies over time. Most people focus on the starting premium at 65. That's a mistake.

What you're paying at 75 or 80 matters more. Here's how to compare Plan G, Plan N, and Plan F rates realistically.

Call for Free Advice — 855-559-1700

How age affects your Medigap premium each year

Age is one of the primary factors carriers use to set your monthly premium. If you're on an attained-age rated plan (most plans are), your rate increases automatically as you get older, even before any general rate hikes.

The real cost surprise comes when age-based increases and block rate increases hit in the same year. Jumps of 10–18% in a single year aren't unusual. That's why the carrier you choose matters as much as the plan letter.

Plan G, Plan N, and Plan F rate ranges at 65, 70, and 75

Rates vary by carrier, ZIP code, and tobacco status. These are approximate monthly ranges you'll see across multiple carriers in 2025–2026:

Age	Plan F	Plan G	Plan N
65	$150–$250	$110–$210	$85–$170
70	$185–$310	$145–$270	$110–$210
75	$225–$390	$180–$340	$140–$260

Plan F is only available to those who became eligible for Medicare before January 1, 2020. Plan G offers the same coverage minus the $283 Part B deductible, and typically costs $30–$60 less per month.

Attained-age vs. issue-age vs. community-rated pricing explained

Attained-age — Most common. Premium rises as you age. Starts low, climbs steadily.
Issue-age — Rate is based on your age when you bought the policy. It won't increase due to aging, but block increases still apply.
Community-rated — Everyone pays the same rate regardless of age. Rare, but a great deal if you enroll older.

Issue-age and community-rated policies can save you thousands over a decade. Not every carrier offers them in every state. Call to check what's available in your ZIP code.

Why the carrier matters more than the plan letter

Plan G is Plan G. The medical benefits are federally standardized. A Plan G from one company covers the same things as a Plan G from another.

What's different is long-term premium behavior. Some carriers price aggressively low to attract new business, then raise rates sharply within a few years. Others start a bit higher but hold steadier. We track rate history across carriers so you don't walk into a low-ball trap.

How to lock in the lowest rate for your age

Your Medigap Open Enrollment Period is the single best window to buy. It lasts 6 months, starting the month you turn 65 and are enrolled in Part B. During this window, no carrier can deny you or charge extra for health conditions.

Apply up to 6 months before your Part B start date to give yourself time to compare. Waiting even a year past your OEP can mean higher premiums or medical underwriting that limits your options.

What most rate comparison sites won't tell you

A quote is a snapshot. What you really need is a 5- and 10-year rate outlook. We pull actual rate increase histories so you can see how a carrier has behaved over time, not just what they charge today.

That's the difference between picking the cheapest plan right now and picking the plan that stays affordable at 74 or 80.

Get your free rate comparison in 2 minutes.

Call 855-559-1700 or get a free quote online.

Anthony Orner, Licensed Medicare Broker