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Original Medicare (Part A and Part B) has standardized 2021 costs that are the same in every state.
But the average cost of Medicare Advantage plans (Part C), Medicare prescription drug plans (Part D) 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, Medicare Part D plans and Medigap plans by state.
How much does Medicare Part C cost in each state in 2021?
The chart below shows the average monthly premium for Medicare Advantage plans that include prescription drug coverage (called Medicare Advantage Prescription Drug Plans, or MA-PD) in each state.1
- Florida, South Carolina, Nevada, Georgia and Arizona had the lowest weighted average monthly premiums, with all five states having weighted average plan premiums of $17 or less per month.
- The highest average monthly premiums were for Medicare Advantage plans in Massachusetts, North Dakota and South Dakota.
*Medicare Advantage plans are not sold in Alaska.
| State | Average Weighted Premium | Average Drug Deductible |
|---|---|---|
| Alabama | $24.28 | $137.50 |
| Arizona | $16.35 | $138.71 |
| Arkansas | $22.35 | $207.36 |
| California | $20.32 | $141.34 |
| Colorado | $23.02 | $98.05 |
| Connecticut | $38.30 | $175.36 |
| Delaware | $22.80 | $65.12 |
| Florida | $13.17 | $110.80 |
| Georgia | $17.35 | $187.28 |
| Hawaii | $46.71 | $214.79 |
| Idaho | $36.40 | $141.82 |
| Illinois | $30.58 | $114.65 |
| Indiana | $20.88 | $145.14 |
| Iowa | $30.94 | $80.75 |
| Kansas | $18.53 | $100.02 |
| Kentucky | $19.17 | $98.19 |
| Louisiana | $27.78 | $165.49 |
| Maine | $25.41 | $176.74 |
| Maryland | $64.78 | $96.91 |
| Massachusetts | $73.43 | $231.07 |
| Michigan | $57.39 | $67.52 |
| Minnesota | $64.66 | $297.80 |
| Mississippi | $17.98 | $294.31 |
| Missouri | $18.10 | $107.87 |
| Montana | $46.36 | $350.26 |
| Nebraska | $20.41 | $157.53 |
| Nevada | $11.58 | $128.83 |
| New Hampshire | $30.68 | $232.49 |
| New Jersey | $25.12 | $198.18 |
| New Mexico | $28.11 | $235.15 |
| New York | $40.36 | $233.64 |
| North Carolina | $19.47 | $145.18 |
| North Dakota | $76.33 | $360.17 |
| Ohio | $45.03 | $114.04 |
| Oklahoma | $21.17 | $128.21 |
| Oregon | $48.32 | $154.02 |
| Pennsylvania | $52.70 | $34.01 |
| Rhode Island | $42.50 | $60.63 |
| South Carolina | $15.02 | $154.57 |
| South Dakota | $70.19 | $326.05 |
| Tennessee | $25.03 | $123.66 |
| Texas | $21.52 | $191.58 |
| Utah | $19.15 | $156.89 |
| Vermont | $41.27 | $169.15 |
| Virginia | $23.18 | $176.80 |
| Washington | $41.10 | $138.20 |
| West Virginia | $32.23 | $110.38 |
| Wisconsin | $45.39 | $247.95 |
| Wyoming | $52.26 | $276.17 |
Learn more about Medicare Advantage plans in your state.
What is the average cost of Medicare Part D in 2021 by state?
The chart below lists the average monthly premiums for Medicare Part D prescription drug plans by state.1
- The lowest average Part D premiums were for plans in Mississippi, Kentucky and Delaware, with average premiums around $35 or $36 per month.
- West Virginia, Florida, South Carolina and Florida had Part D plans with the highest average premiums, around $46 per month.
| State | Average Premium | Average Deductible |
|---|---|---|
| Alabama | $43.79 | $344.06 |
| Alaska | $37.84 | $366.80 |
| Arizona | $40.98 | $335.63 |
| Arkansas | $40.52 | $331.77 |
| California | $45.75 | $334.69 |
| Colorado | $44.03 | $340.74 |
| Connecticut | $43.26 | $337.78 |
| Delaware | $36.94 | $361.67 |
| Florida | $47.28 | $344.64 |
| Georgia | $39.33 | $339.22 |
| Hawaii | $38.52 | $360.96 |
| Idaho | $44.56 | $338.21 |
| Illinois | $42.02 | $342.42 |
| Indiana | $36.05 | $343.67 |
| Iowa | $42.99 | $343.75 |
| Kansas | $38.24 | $337.93 |
| Kentucky | $36.05 | $343.67 |
| Louisiana | $39.50 | $349.81 |
| Maine | $38.64 | $340.89 |
| Maryland | $36.94 | $361.67 |
| Massachusetts | $43.26 | $337.78 |
| Michigan | $38.57 | $343.62 |
| Minnesota | $42.99 | $343.75 |
| Mississippi | $35.60 | $355.74 |
| Missouri | $39.60 | $331.03 |
| Montana | $42.99 | $343.75 |
| Nebraska | $42.99 | $343.75 |
| Nevada | $38.17 | $349.83 |
| New Hampshire | $38.64 | $340.89 |
| New Jersey | $44.98 | $339.33 |
| New Mexico | $44.14 | $342.96 |
| New York | $45.03 | $330.18 |
| North Carolina | $41.27 | $341.77 |
| North Dakota | $42.99 | $343.75 |
| Ohio | $37.79 | $352.00 |
| Oklahoma | $39.62 | $363.67 |
| Oregon | $42.74 | $342.93 |
| Pennsylvania | $46.68 | $328.94 |
| Rhode Island | $43.26 | $337.78 |
| South Carolina | $46.58 | $339.66 |
| South Dakota | $42.99 | $343.75 |
| Tennessee | $43.79 | $344.06 |
| Texas | $42.44 | $342.71 |
| Utah | $44.56 | $338.21 |
| Vermont | $43.26 | $337.78 |
| Virginia | $37.29 | $349.00 |
| Washington | $42.74 | $342.93 |
| West Virginia | $46.68 | $328.94 |
| Wisconsin | $44.29 | $324.35 |
| Wyoming | $42.99 | $343.75 |
Learn more about Medicare Part D plans in your state.
You can also compare Part D plans available where you live and enroll in a Medicare prescription drug plan online in as little as 10 minutes when you visit MyRxPlans.com.1
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. 17 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 |
Learn more about Medicare Supplement Insurance plans in your state.
How much do Medicare Part A and Part B cost in 2021?
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 $471 per month in 20201.
If you paid Medicare taxes for only 30-39 quarters, your 2021 Part A premium will be $259 per month. If you paid Medicare taxes for fewer than 30 quarters, your premium will be $471 per month. - The standard Part B premium is $148.50 per month in 2021.
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 2021.
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.
Compare Medicare plan costs in your area
Compare PlansOr call TTY Users: 711 24/7 to speak with a licensed insurance agent.
Learn more about Medicare enrollment
- What is the average cost of Medicare?
- Does Medicare cost change by income level?
- How do I cancel Medicare?
- What is Medicare Easy Pay?
- How do I enroll in a Medicare Advantage plan?
- What is a Special Enrollment Period?
- What is a Medicare Special Needs Plan?
- How does Medicare work with other forms of coverage?
- What is a 5-star Medicare Advantage plan?
1 MedicareAdvantage.com's The Best States for Medicare in 2021 report. (Oct. 27, 2020).
2 AHIP. (June 2020). State of Medigap: Trends in Enrollment and Demographics. Retrieved from www.ahip.org/wp-content/uploads/AHIP_State_of_Medigap-2020.pdf.
3 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.
