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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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The chart below shows the average monthly premium for Medicare Advantage plans in each state.1
*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 |
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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
| 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 |
Part A and Part B of Medicare have standardized costs that are the same across every state.
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.
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.
Speak with a licensed insurance agent
Christian Worstell is a senior Medicare and health insurance writer with MedicareAdvantage.com. 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 MedicareAvantage.com 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 Mike@tzhealthmedia.com.
MedicareAdvantage.com's The Best States for Medicare report.
AHIP. (May 2021). The State of Medicare Supplement Coverage: Trends in Enrollment and Demographics. https://www.ahip.org/wp-content/uploads/AHIP_IB-Medicare-Supp-Cvg-Report.pdf.
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.
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