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The Average Cost of Medicare in Every State

Learn the average cost of Medicare Advantage plans, Medicare Part D plans and Medigap plans in every state, as well as 2023 Medicare Part A and Part B costs.

Original Medicare (Part A and Part B) has standardized 2023 costs that are the same in every state.

But the average cost of Medicare Advantage plans (Part C) and Medicare Supplement Insurance plans (Medigap) can vary according to a number of factors, including where you live.

In this guide, we break down the average cost of Medicare Advantage plans and Medigap plans by state.

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How much does Medicare Part C cost in each state in 2023?

The chart below shows the average monthly premium for Medicare Advantage plans in each state.1

  • Maine, South Carolina, New Mexico, Idaho, Missouri and Nevada have the lowest average monthly Medicare Advantage premiums in 2023, with all five states having average plan premiums of $42 or less per month.

  • The highest average monthly premiums were for Medicare Advantage plans in Rhode Island, Michigan, Massachusetts, North Dakota and South Dakota.

*Medicare Advantage plans are not sold in Alaska. 

State Average Premium Average Drug Deductible for Plans With Prescription Drug Coverage
Alabama $64.27 $256.83
Arizona $47.15 $321.62
Arkansas $44.34 $322.18
California $47.43 $376.26
Colorado $48.51 $342.75
Connecticut $78.52 $317.52
Delaware $64.38 $238.33
Florida $67.84 $233.53
Georgia $48.91 $271.47
Hawaii $57.40 $308.00
Idaho $40.81 $232.34
Illinois $70.62 $392.72
Indiana $43.65 $207.02
Iowa $49.07 $323.28
Kansas $57.71 $378.70
Kentucky $44.64 $208.39
Louisiana $56.73 $324.98
Maine $38.26 $301.81
Maryland $77.23 $275.50
Massachusetts $102.37 $283.18
Michigan $101.80 $264.26
Minnesota $93.04 $353.99
Mississippi $48.87 $359.01
Missouri $42.27 $316.60
Montana $79.98 $368.69
Nebraska $48.35 $240.88
Nevada $42.68 $302.84
New Hampshire $44.36 $327.20
New Jersey $57.45 $290.83
New Mexico $39.61 $347.76
New York $71.30 $296.64
North Carolina $49.44 $223.39
North Dakota $116.94 $447.74
Ohio $85.67 $193.41
Oklahoma $47.49 $270.83
Oregon $63.44 $236.84
Pennsylvania $81.83 $322.47
Rhode Island $101.35 $255.00
South Carolina $38.38 $239.08
South Dakota $104.99 $430.57
Tennessee $58.17 $329.37
Texas $73.30 $272.85
Utah $51.50 $182.18
Vermont $54.95 $305.55
Virginia $56.35 $288.22
Washington $69.38 $239.57
Washington, D.C. $61.33 $250.00
West Virginia $59.74 $202.08
Wisconsin $81.50 $294.06
Wyoming $57.61 $280.50

Learn more about Medicare Advantage plans in your state

What is the average cost of Medicare Supplement Insurance plans in each state?

There are 10 standardized Medicare Supplement Insurance plans available in most states.

Plan G is available in most states and is one of the most popular Medigap plans. Medigap Plan G is, in fact, the second-most popular Medigap plan. 22 percent of all Medigap beneficiaries are enrolled in Plan G.2

The chart below shows the average monthly premium for Medicare Supplement Insurance Plan G for each state in 2018.3

  • Wisconsin, Hawaii and Iowa had the plans with the lowest average monthly premiums, around $102 per month.

  • The highest average monthly Medigap premiums were in New York, at $304.72 per month.
State Monthly Cost Rank
from least expensive (1) to most expensive (51)
Alabama $118.35 19
Alaska $117.64 17
Arizona $128.93 30
Arkansas $141.51 37
California $162.93 45
Colorado $127.76 29
Connecticut $227.06 49
Delaware $150.99 42
District of Columbia $138.98 36
Florida $191.08 47
Georgia $129.54 31
Hawaii $102.83 2
Idaho $136.34 35
Illinois $123.32 26
Indiana $113.40 13
Iowa $102.87 3
Kansas $119.94 21
Kentucky $117.48 16
Louisiana $129.89 32
Maine $211.88 48
Maryland $145.54 39
Massachusetts $117.46 15
Michigan $123.69 27
Minnesota $118.67 20
Mississippi $121.44 24
Missouri $145.89 40
Montana $125.36 28
Nebraska $108.85 7
Nevada $135.62 34
New Hampshire $157.96 44
New Jersey $155.25 43
New Mexico $105.26 4
New York $304.72 51
North Carolina $105.84 5
North Dakota $120.77 22
Ohio $121.07 23
Oklahoma $112.78 11
Oregon $141.56 38
Pennsylvania $133.36 33
Rhode Island $147.55 41
South Carolina $108.91 8
South Dakota $106.21 6
Tennessee $113.89 14
Texas $117.67 18
Utah $112.70 10
Vermont $264.25 50
Virginia $112.80 12
Washington $174.32 46
West Virginia $109.44 9
Wisconsin $102.23 1
Wyoming $122.46 25

How much do Medicare Part A and Part B cost in 2023?

Part A and Part B of Medicare have standardized costs that are the same across every state.

  • Most people qualify for premium-free Part A.
    To qualify for premium-free Part A, you or your spouse must have worked and paid Medicare taxes for the equivalent of 10 years (40 quarters). Those 40 quarters do not have to be consecutive.

  • If you pay a premium for Part A, your premium could be up to $506 per month in 2023.
    If you paid Medicare taxes for only 30-39 quarters, your 2022 Part A premium will be $278 per month. If you paid Medicare taxes for fewer than 30 quarters, your premium will be $506 per month.

  • The standard Part B premium is $164.90 per month in 2023.
    Some beneficiaries may pay higher premiums for their Part B coverage, based on their income. This change in cost is called the IRMAA (Income-related Monthly Adjustment Amount).

Find out whether you are required to pay a Medicare IRMAA in 2023.

Read additional Medicare costs guides to learn more about Medicare costs and how they will affect you.

Compare Medicare Advantage plan costs where you live

A licensed insurance agent can help you compare the costs of Medicare Advantage plans in your area. Learn more and find a plan that fits with your personal coverage and budget needs.

Find a $0 premium Medicare Advantage plan today.

Speak with a licensed insurance agent


Learn more about Medicare enrollment


About the author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

Christian has written hundreds of articles for that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

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Healthcare Finance Logo's The Best States for Medicare report.

AHIP. (May 2021). The State of Medicare Supplement Coverage: Trends in Enrollment and Demographics.

TZ Insurance Solutions LLC internal sales data, 2019. This data is based on the Medicare Supplement Insurance policies TZ Insurance Solutions LLC has sold. It is not a comprehensive national average of all available Medicare Supplement Insurance plan premiums.