Medicare Supplement

Compare 2024 Medicare Supplement (Medigap) Rates Online

Learn how Medicare Supplement Insurance (Medigap) rates are determined, and compare Medigap plans available where you live to find a plan that fits your budget.

The average rate for Medicare Supplement Insurance (Medigap) Plan F in 2023 was $202 per month.1 So what does this mean for Medicare beneficiaries who are interested in finding a Medigap plan?

While Medigap plan benefits are standardized in most states (which means that – for example – Medicare Plan F in North Carolina offers the same benefits as Plan F in Florida), Medigap plan premium rates can vary depending on the insurance company.

Learn how Medicare Supplement Insurance rates are determined in 2024, and request a free, no-obligation plan comparison online to find the right plan for your budget.

How much will Medicare Supplement Insurance cost in my state?

Because Medicare Supplement Insurance plans are sold by private insurance companies, plan rates will vary from one market to the next.

In 2023, the average monthly premium rate of Medigap Plan G in New York was $163 per month. In the same year, the average monthly cost of Medigap Plan G in Iowa was $121.1

The difference in Medigap rates from one state to another can vary widely, similar to how the cost of a gallon of gas can differ greatly from one state to another.

Medigap rates can vary based on carrier

Original Medicare (Part A and Part B) premiums are standardized by the federal government. Private insurance companies that offer Medicare Supplement Insurance plans, however, are free to set their own rates.

How a carrier rates (prices) its plans, inflation and other factors can cause premiums to change over time.

Certain Medigap plans that offer more benefits may cost more

Each type of Medicare Supplement Insurance plan offers a different combination of benefits standardized by the federal government. This means that rates may vary depending on the Medigap plan type.

Generally speaking, plans that offer more standardized benefits may cost more than plans with fewer benefits.

The chart below can help you compare Medigap plans in 2024. (Note: Medigap plans are standardized differently in Massachusetts, Minnesota and Wisconsin.)

Click here to view enlarged chart Scroll to the right to continue reading the chart
Medicare Supplement Benefits A B C* D F1* G1 K2 L3 M N4
Part A coinsurance and hospital coverage                    
Part B coinsurance or copayment             50% 75%    
Part A hospice care coinsurance or copayment             50% 75%    
First 3 pints of blood             50% 75%    
Skilled nursing facility coinsurance             50% 75%    
Part A deductible             50% 75% 50%  
Part B deductible                    
Part B excess charges                    
Foreign travel emergency     80% 80% 80% 80%     80% 80%
* Plan F and Plan C are not available to Medicare beneficiaries who became eligible for Medicare on or after January 1, 2020. If you became eligible for Medicare before 2020,... you may still be able to enroll in Plan F or Plan C as long as they are available in your area.

1 Plans F and G offer high-deductible plans that each have an annual deductible of $2,800 in 2024. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high-deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.

2 Plan K has an out-of-pocket yearly limit of $7,060 in 2024. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.

3 Plan L has an out-of-pocket yearly limit of $3,530 in 2024. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.

4 Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don’t result in an inpatient admission.
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Medical underwriting could affect your Medigap plan rates

If you apply for a Medicare Supplement Insurance plan after your six-month Medigap Open Enrollment Period (OEP), you may be subject to medical underwriting.

  • Your Medigap Open Enrollment Period starts as soon as you are at least 65 years old and enrolled in Medicare Part B.

  • During the six months of your Medigap OEP, insurance companies cannot deny you a Medigap plan or charge you higher plan premiums based on your health.

But outside of your Medigap OEP, an insurance company reserves the right to determine your Medigap rates based on your health — unless you qualify for a guaranteed issue right.

Beneficiaries with certain health conditions might face higher rates because they are deemed to be riskier to insure, or they may be denied a Medigap plan altogether.

Insurance companies use different pricing structures to determine rates

There are three different pricing models that insurance companies can use to determine how your Medicare Supplement Insurance plan rates may increase in the future.

Each type of pricing system can produce a different rate for current and incoming plan members.

  • Community-rated plans charge the same rate for every plan member, regardless of age. For example, a 75-year-old Medigap beneficiary with a community-rated plan will pay the same rate as a 65-year-old beneficiary with the same plan.

  • Issue-age-rated plans have rates based on the age at which you purchased the plan. Your premium rate will be fixed and it won’t change as you age. While your initial Medigap rate could be higher than a community-rated plan, it could potentially cost less in the long term.

  • Attained-age-rated plans have rates that increase as you age. As you get older, your Medigap rate will gradually go up.

Some insurance companies may offer Medigap plan discounts for women, non-smokers, married couples, those who pay their premium for the entire year and more.

Be sure to ask your plan provider if they offer any discounts before you sign up for a Medigap plan.

Medigap premiums may increase over time due to other factors, such as inflation.

Compare Medicare Supplement rates in your area

A licensed insurance agent can help you compare the Medicare Supplement Insurance plans that are available where you live, including the plan rates.

Compare Medicare Supplement plan rates available where you live.

Speak with a licensed insurance agent



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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1 Internal sales data provided by TZ Insurance Solutions LLC, 2023. 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.