How much does the best Medicare Supplement plan cost per month in 2025?

Depending on your age, zip code, and carrier, the best-rated Medigap plans (G and N) typically range from $90 to $300+ per month. Plan N runs lower because it shares a small amount of cost with you at the doctor's office. Rates vary significantly by insurance company, so comparing multiple carriers is essential.

Is Plan G or Plan N a better value?

Plan G covers everything except the Part B deductible ($283/year in 2026). Plan N costs less per month but charges up to $20 copays for office visits and up to $50 for ER visits that don't result in admission. If you see doctors frequently, Plan G may save you more overall. If you're healthy and want lower premiums, Plan N is worth considering.

Why do premiums vary so much between insurance companies?

Every Medigap plan with the same letter offers identical medical benefits by law. The difference is how each carrier prices its policies: community-rated, issue-age-rated, or attained-age-rated. Some carriers also price aggressively low to attract new members, then raise rates significantly after a few years through block increases.

When is the best time to buy a Medigap plan to lock in the lowest rate?

Your Medigap Open Enrollment Period starts the month you turn 65 and are enrolled in Part B. During this 6-month window, carriers must accept you at their best rate regardless of health. After that window closes, you may face medical underwriting and higher premiums or denial.

How Much Does the Best Medicare Supplemental Insurance Cost Per Month? Plan G and Plan N Compared

How much does the best Medicare Supplemental insurance cost per month? Most people pay between $90 and $300+, depending on the plan letter, carrier, age, and zip code. The two plans worth comparing in 2025 and 2026 are Plan G and Plan N.

The starting premium matters, but what you pay at 75 or 80 matters more. I'll break down the real costs so you know what to expect.

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What makes a Medigap plan "the best" — coverage vs. cost

Every Medigap plan with the same letter covers the exact same benefits, no matter which company sells it. That's federal law. A Plan G from one carrier is medically identical to a Plan G from another.

So "best" really means: which plan letter fits your health needs, and which carrier offers stable long-term pricing? The cheapest premium today isn't always the cheapest over 10 years.

Monthly premiums for top-rated plans in 2025–2026

Premiums vary by carrier, but here's the general range for a 65-year-old:

Plan G: Roughly $120–$250/month
Plan N: Roughly $90–$200/month

Rates climb with age. At 72, you might see premiums 20–40% higher than your starting rate. At 80+, the gap widens. That's why carrier selection and pricing method (community-rated vs. attained-age) matter so much.

Plan G vs. Plan N: where the price difference goes

Feature	Plan G	Plan N
Part B deductible ($283 in 2026)	You pay it	You pay it
Part B excess charges	Covered	Not covered
Office visit copays	$0	Up to $20
ER copay (no admission)	$0	Up to $50
SNF coinsurance (days 21–100)	Covered	Covered
Typical monthly premium (age 65)	$120–$250	$90–$200

Plan N saves you $20–$50/month in premiums. In exchange, you share small costs at the doctor and lose excess charge protection. For most people, Plan G is the safer long-term bet. Plan N makes sense if you rarely visit the doctor and your providers all accept Medicare assignment.

The rate increase nobody warns you about

Your premium goes up for two separate reasons: your age and your carrier's block rate increases. When both hit the same year, 10–18% jumps are common. Some carriers price low on purpose to attract new customers, then raise rates sharply once you're locked in and underwriting makes switching harder.

That's why I look at a carrier's 5- and 10-year rate history before I recommend them. The lowest quote at 65 can become the most expensive plan by 75.

Your open enrollment window is your biggest advantage

During your 6-month Medigap Open Enrollment Period (starting the month you turn 65 and enroll in Part B), every carrier must accept you at their best rate. No health questions. No denials.

Miss that window, and you face medical underwriting. If you have any health conditions, premiums can be significantly higher or you may be declined altogether. Start comparing carriers at least 6 months before Part B begins.

Find the best plan at the lowest rate for your situation

I compare rates from multiple carriers to find the plan that balances strong coverage with stable pricing. One call, and I'll show you exactly what Plan G and Plan N cost for your age and zip code, with real numbers, not estimates.

Get your personalized Medigap quote in minutes.

Call 855-559-1700 or get a free quote online. No obligation. No pressure.