The Average Cost of Medicare in Every State

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Original Medicare (Part A and Part B) has standardized 2019 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.

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How much does Medicare Part C cost in each state?

The chart below shows the average monthly premium for Medicare Advantage plans in each state in 2018.1

  • Florida, Iowa, Arizona and Louisiana had the lowest average monthly premiums, with all four states having average plan premiums of under $10 per month.

  • The highest average monthly premiums were for Medicare Advantage plans in Minnesota, North Dakota and Massachusetts.

*Medicare Advantage plans are not sold in Alaska. Data was not made available for Wyoming or Washington, D.C.

State Monthly Cost Rank
from least expensive (1) to most expensive (48)
Alabama $22.99 15
Alaska No plans available N/A
Arizona $8.63 3
Arkansas $26.46 19
California $32.87 25
Colorado $19.98 13
Connecticut $39.20 28
Delaware $38.68 27
District of Columbia Data not available N/A
Florida $3.34 1
Georgia $17.01 11
Hawaii $88.10 45
Idaho $63.46 39
Illinois $20.15 14
Indiana $25.97 17
Iowa $7.62 2
Kansas $15.34 9
Kentucky $48.58 32
Louisiana $8.88 4
Maine $16.82 10
Maryland $60.41 37
Massachusetts $96.58 46
Michigan $53.48 35
Minnesota $131.73 48
Mississippi $23.83 16
Missouri $10.96 8
Montana $68.42 43
Nebraska $10.94 7
Nevada $10.45 6
New Hampshire $34.32 26
New Jersey $26.09 18
New Mexico $29.04 21
New York $46.89 31
North Carolina $50.10 34
North Dakota $104.04 47
Ohio $30.23 23
Oklahoma $32.53 24
Oregon $61.01 38
Pennsylvania $78.60 44
Rhode Island $41.85 29
South Carolina $29.35 22
South Dakota $66.97 41
Tennessee $42.72 30
Texas $10.11 5
Utah $27.40 20
Vermont $17.10 12
Virginia $49.32 33
Washington $67.53 42
West Virginia $54.37 36
Wisconsin $66.11 40
Wyoming Data not available N/A

Learn more about Medicare Advantage plans in your state.

What is the average cost of Medicare Part D 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 Delaware, Maryland and Washington D.C., with average premiums around $40 per month.

  • Utah and Idaho had Part D plans with the highest average premiums, around $65 per month.
State Monthly Cost Rank
from least expensive (1) to most expensive (46)
Alabama $50.31 T-19
Alaska $49.36 17
Arizona $44.51 5
Arkansas $47.95 14
California $63.74 45
Colorado $62.22 43
Connecticut $47.25 T-8
Delaware $40.98 T-1
District of Columbia $40.98 T-1
Florida $60.81 43
Georgia $54.31 36
Hawaii $46.38 7
Idaho $65.52 T-46
Illinois $49.91 18
Indiana $51.85 T-23
Iowa $53.86 T-30
Kansas $59.56 41
Kentucky $51.85 T-23
Louisiana $44.22 4
Maine $53.69 T-28
Maryland $40.98 T-1
Massachusetts $47.25 T-8
Michigan $45.15 5
Minnesota $53.86 T-30
Mississippi $46.23 6
Missouri $60.46 42
Montana $53.86 T-30
Nebraska $53.86 T-30
Nevada $62.37 44
New Hampshire $53.69 T-28
New Jersey $51.48 21
New Mexico $48.24 15
New York $47.30 12
North Carolina $48.35 16
North Dakota $53.86 T-30
Ohio $52.00 25
Oklahoma $55.07 37
Oregon $53.37 T-26
Pennsylvania $55.53 T-38
Rhode Island $47.25 T-8
South Carolina $47.37 13
South Dakota $53.86 T-30
Tennessee $50.31 T-19
Texas $51.72 22
Utah $65.52 T-46
Vermont $47.25 T-8
Virginia $51.66 21
Washington $53.37 T-26
West Virginia $55.53 T-38
Wisconsin $58.72 40
Wyoming 53.86 N/A

Learn more about Medicare Part D 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. In 2016, Medigap Plan G was the second-most popular Medigap plan. 10 percent of all Medigap beneficiaries (1,263,744 people) were enrolled in Plan G in 2016.

The chart below shows the average monthly premium for Medicare Supplement Insurance Plan G for each state in 2018.2

  • 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 does Medicare Part A and Part B cost in 2019?

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 $437 per month in 2019.
    If you paid Medicare taxes for only 30-39 quarters, your 2019 Part A premium will be $240 per month. If you paid Medicare taxes for fewer than 30 quarters, your premium will be $437 per month.

  • The standard Part B premium is $135.50 per month in 2019.
    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 2019.

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

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Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Copyright © 2019 TZ Insurance Solutions LLC. All rights reserved.

1 MedicareAdvantage.com's internal analysis of CMS Medicare Advantage landscape source files, May 2018. Data retrieved from https://www.cms.gov/Medicare/Prescription-Drug-Coverage/PrescriptionDrugCovGenIn.

2 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.

MedicareAdvantage.com is a website owned and operated by TZ Insurance Solutions LLC. TZ Insurance Solutions LLC and TruBridge, Inc. represent Medicare Advantage Organizations and Prescription Drug Plans having Medicare contracts; enrollment in any plan depends upon contract renewal.

Plan availability varies by region and state. For a complete list of available plans, please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.

Medicare has neither reviewed nor endorsed this information.