Let’s break down the average cost of Medicare Supplement Insurance in 2025, what influences it, and how to find a plan that makes both medical and financial sense.
💸 What Is the Average Cost of Medicare Supplement Insurance in 2025?
On average, Medigap premiums in 2025 range from $50 to $300 per month, depending on your plan, provider, and personal details.
Here’s a snapshot of monthly premiums by popular Medigap plans:
| Medigap Plan | Average Monthly Premium (2025) |
|---|---|
| Plan A | $110 – $180 |
| Plan G | $120 – $250 |
| Plan N | $90 – $180 |
| High-Deductible Plan G | $40 – $70 |
Note: Plan F is no longer available to new enrollees after 2020, but if you were eligible before then, you may still have access.
🧠 What Affects Medigap Premium Costs?
Several factors impact the cost of your Medicare Supplement Insurance:
- Age & GenderOlder adults tend to pay more, and women usually pay slightly less due to longer life expectancy.
- LocationPremiums can vary significantly by state and even ZIP code. Florida, for example, generally sees higher rates than midwestern states.
- Tobacco UseSmokers typically pay 10% to 30% more.
- Plan TypeMore comprehensive plans like Plan G cost more than budget-friendly options like Plan N or High-Deductible Plan G.
- Enrollment TimingThe best time to enroll is during your Medigap Open Enrollment Period, which starts the first month you’re 65 and enrolled in Part B. During this period, you can’t be denied coverage or charged more due to health conditions.
- Pricing Method Used by the Insurer
- Community-rated: Everyone pays the same regardless of age.
- Issue-age-rated: Premiums are based on your age when you buy and don’t increase as you age.
- Attained-age-rated: Premiums start lower but increase as you get older.
✅ Are Medigap Plans Worth the Cost?
Yes—if you want predictable healthcare costs and peace of mind. Medigap plans help cover gaps like hospital coinsurance, skilled nursing care, or Part B excess charges, which can quickly add up if you have a serious illness or need long-term treatment.
💡 How to Lower Your Medicare Supplement Costs
- Compare Providers: Prices for the same plan can vary between companies, even in the same area.
- Consider High-Deductible Plans: If you’re healthy and want low monthly payments, High-Deductible Plan Gcould be a solid choice.
- Shop Around Every Few Years: Premiums can increase annually, so comparing rates could save you hundreds per year.
- Bundle with Other Insurance: Some companies offer discounts if you also purchase dental, vision, or other types of coverage.
🔍 Final Thoughts: Medicare Supplement Insurance Cost
While Medicare Supplement Insurance comes with an added monthly premium, it can save you thousands in the long run by limiting surprise medical bills. With several plan options and pricing strategies available, it’s important to compare wisely—and enroll at the right time.
