If you are shopping for Medicare coverage in 2026, you have likely seen Plan G mentioned as the go-to choice. There is a good reason for that. Medicare Supplement Plan G covers nearly every gap in Original Medicare, and the monthly price typically falls between $120 and $250 for a 65-year-old. That range depends heavily on where you live, your age, and which insurance company you pick.
Beyond your monthly premium, there is the annual Part B deductible of $283. There is also the High-Deductible Plan G option that lowers your monthly bill but asks you to cover $2,950 in costs first. Each insurance carrier sets its own rates using different pricing methods. That means you could pay very different amounts for the exact same coverage. The good news is that Plan G benefits are the same no matter which company you buy from. Federal rules make sure of that. So the work is not about comparing benefits. It is about finding the best price for the same set of protections.
Call The Big 65 today for a free Plan G rate comparison and let our team help you find the best price for your area.
Medicare Supplement Plan G Cost 2026: What Is Medicare Supplement Plan G and What Does It Cover?
Medicare Supplement Plan G is now the most popular choice for people new to Medicare. It works alongside your Original Medicare (Part A and Part B) to pay for costs that Medicare leaves behind. Because it fills so many gaps in your care, it is often called a Medigap plan. If you want a plan that covers nearly every out-of-pocket cost, Plan G is likely your best bet.
The Same Benefits From Every Carrier
The law sets the rules for Plan G, which means every Plan G offers the same exact benefits. It does not matter if you buy your plan from a large national carrier or a small regional one. The benefits you get for hospital stays and doctor visits must be the same across all companies. Since the benefits stay the same, the only real difference you will find is the price. Some carriers charge more than others for the same exact plan. That is why it helps to look at a Medigap plans comparison before you enroll.
What Plan G Covers in 2026
Plan G covers nearly all the costs that Part A and Part B usually pass on to you. It pays for the $1,736 Medicare Part A deductible if you have to stay in a hospital. It also covers Part B excess charges, which are extra fees that some doctors charge above what Medicare agrees to pay. Not all Medigap plans cover these fees, but Plan G does. If you like to travel, Plan G also helps with emergency medical costs outside the United States. It pays for 80% of emergency care when you are in another country. The one cost it does not cover is the yearly Medicare Part B deductible, which is $283 in 2026.
| Benefit Category | Plan G Coverage |
|---|---|
| Part A Hospital Deductible ($1,736) | Covered in full |
| Part A Coinsurance (hospital stays) | Covered in full |
| Part B Coinsurance (doctor visits) | Covered in full |
| Part B Excess Charges | Covered in full |
| Skilled Nursing Facility Coinsurance | Covered in full |
| Foreign Travel Emergency (80%) | Covered |
| Part B Yearly Deductible ($283) | Not covered |
What Plan G Does Not Cover
Plan G covers a lot, but it does not cover everything. It only fills the gaps in Part A and Part B. It does not pay for dental care, eye exams, hearing aids, or prescription drugs. You would need separate policies for those needs. Most people who choose Plan G also enroll in a Part D prescription drug plan at the same time. This gives them full protection against high medical bills and drug costs as they age.
Typical Plan G Premium Ranges and Real Cost Examples
Medicare Supplement Plan G cost 2026 rates vary based on where you live and which carrier you choose. Most 65-year-olds find that monthly premiums fall between $120 and $250. While the benefits are exactly the same across all carriers, the price you pay is not. Your zip code, age, and gender can all change the final rate you see on your bill.
Monthly Price Ranges Across the Country
The average monthly cost for a Medigap plan in 2026 is about $150. Plan G typically falls in a range of $100 to $300 per month depending on your location. Price differences come from how each carrier manages its business and local healthcare costs. Checking multiple carriers in your specific area is the best way to secure the lowest rate.
- Low-cost areas (Virginia Beach, Des Moines): Starting around $109 per month for a 65-year-old
- Mid-range areas (Dallas, Phoenix): Typically $113 to $145 per month
- Higher-cost areas (Tampa, Miami): Often $175 to $192 or more per month
These gaps show why comparing local rates matters so much when you pick a plan. National carriers post different prices in different cities, so the cheapest Plan G in one zip code may not be the cheapest Plan G in another.
How the High-Deductible Plan G Option Works
If you want to lower your monthly premium, the High-Deductible Plan G (HDG) is worth a close look. With a standard Plan G, coverage starts as soon as you meet the $283 Part B deductible. With HDG, you must pay the first $2,950 in Medicare-covered costs out of your own pocket before the plan starts paying. After that, HDG covers everything that standard Plan G covers: hospital costs, doctor copays, Part B excess charges, and 80% of foreign travel emergency care.
HDG works best for people who visit the doctor only a few times each year and do not expect major medical expenses. If you rarely go to the hospital and have no ongoing health conditions, the low monthly premium can add up to real savings. You just need to be sure you have $2,950 set aside in case of a medical emergency. For people who need regular care or take costly treatments, the standard Plan G is usually the better choice.
Four Factors That Determine Your Plan G Premium
Medicare Supplement Plan G provides the same set of benefits regardless of which insurance carrier you choose. However, the price you pay each month can vary significantly. Four main factors drive your premium, and understanding them helps you find the most stable long-term value.
Get a free Plan G rate quote from The Big 65 today and compare prices from multiple carriers at once.
1. Where You Live
Your location is one of the biggest cost drivers. Insurance carriers set rates based on local healthcare costs and state insurance rules. A 65-year-old woman in Virginia Beach might pay about $109 per month. While the same person in Tampa could pay $192 or more for the exact same Plan G benefits. State regulations also affect pricing. Some states require community-rated pricing, which keeps rates stable, while others allow carriers more flexibility to raise rates each year.
2. Age and Pricing Method
How a carrier prices its policies determines whether your rates will rise as you get older. Carriers use one of three methods:
- Community-rated: Everyone in the same area pays the same rate regardless of age. These plans offer the most predictable long-term costs.
- Issue-age: Your rate is set based on how old you are when you first enroll. Premiums do not increase just because you age, though they may rise due to inflation. This is often the best value over 10 to 20 years.
- Attained-age: These plans start with the lowest initial rates, but premiums increase every year as you get older. They often become the most expensive option over time.
Choosing between these methods is a key part of any Medigap plans comparison when looking at total costs over 5, 10, or 15 years.
3. Gender
Many insurance carriers charge women slightly less than men for Plan G. This difference exists because claims data often shows that women have different healthcare utilization patterns. While the gap is usually small, it can add up over years of monthly premium payments.
4. Carrier Selection and Available Discounts
Each insurance company manages its own risk pool and sets its own prices. One carrier might charge $150 per month in your zip code while another charges $200 for the same Plan G. Carriers also offer discounts that can lower your premium. Common discounts include household discounts for couples who both enroll with the same carrier and automatic bank draft discounts for setting up electronic payments.
Plan G vs. Other Medigap Plans: Comparing Costs and Coverage
Plan G is the most comprehensive Medigap plan available to new Medicare enrollees, but it is not the only choice. Comparing Plan G against other options helps you see whether the extra coverage is worth the cost for your situation.
Plan G vs. Plan N
Plan N is the second most popular choice behind Plan G. It comes with lower monthly premiums, typically $90 to $200, but it also has more cost-sharing. With Plan N, you pay a copay of up to $20 for some doctor visits and up to $50 for emergency room visits. Plan N also does not cover Part B excess charges. If a doctor charges more than Medicare allows, you must pay the difference. Plan G costs more per month but covers those copays and excess charges fully. For frequent doctor visitors, Plan G often saves money over a full year despite the higher premium.
Plan G vs. Plan F (Closed to New Enrollees)
Plan F used to be the most popular Medigap plan because it covers everything, including the Part B deductible. However, Plan F and Plan C closed to new enrollees on January 1, 2020. If you turned 65 after that date, you cannot buy Plan F. Plan G is now the closest option and offers nearly identical coverage. Plan G covers everything that Plan F covers except the $283 Part B deductible. Since Plan F premiums often exceed the deductible itself, Plan G can actually be the more affordable choice in most markets.
| Feature | Plan G | Plan N | Plan F (Closed) |
|---|---|---|---|
| Monthly Premium Range | $120 – $250 | $90 – $200 | $150 – $300 |
| Part B Deductible ($283) | You pay | You pay | Covered |
| Part B Excess Charges | Covered | Not covered | Covered |
| Doctor Visit Copays | None | Up to $20/visit | None |
| Available to New Enrollees | Yes | Yes | No |
Because Plan G offers the most complete coverage for people entering Medicare today, many brokers call it the new gold standard. It gives you predictable costs with no surprise copays or excess charges. The only cost you manage yourself is the Part B deductible each year. After that, your peace of mind is built in.
How to Find the Best Plan G Rate in Your Area
Once you decide that Plan G is right for you, the next step is finding the best rate. The coverage is the same from every carrier, so the goal is to pay as little as possible for that coverage.
- Compare carriers in your area. Plan G from one company provides identical benefits to Plan G from another, but prices can differ by $50 or more per month. Use the Medicare.gov plan finder or let an independent broker like The Big 65 pull quotes from multiple carriers at once.
- Enroll during your Open Enrollment Period. Your Medigap OEP is a six-month window starting the month you turn 65 and enroll in Part B. During this window, carriers cannot deny you coverage or charge more for pre-existing conditions. After it ends, you may face medical underwriting and higher rates.
- Choose the right pricing method. Community-rated and issue-age plans offer the most predictable long-term costs. Attained-age plans start cheaper but increase every year. An independent broker can help you compare the 10-year total cost of each option.
- Review your plan each year. Premiums can change during the Annual Enrollment Period (October 15 to December 7). Have a broker check whether your current plan still offers the best value or if switching carriers makes sense.
Frequently Asked Questions About Medicare Supplement Plan G Cost 2026
How much does Medicare Supplement Plan G cost in 2026?
Most 65-year-olds pay between $120 and $250 per month for Plan G in 2026. Your exact rate depends on your location, age, gender, and the carrier you choose. Low-cost areas can see rates as low as $109 per month, while higher-cost areas may reach $200 or more. The best approach is to compare quotes from multiple carriers in your zip code.
Does Plan G cover the Medicare Part B deductible?
No. Plan G covers everything except the annual Part B deductible. In 2026, that deductible is $283. After you pay that amount out of pocket each year, Plan G covers all remaining approved costs including hospital copays, doctor copays, and Part B excess charges.
What is the High-Deductible Plan G option?
High-Deductible Plan G requires you to pay the first $2,950 in Medicare-covered costs before the plan begins to pay. In exchange, your monthly premium is much lower, sometimes 40% to 60% less than standard Plan G. This option works well for healthy individuals who want catastrophic-only protection and are willing to take on more upfront risk.
Does Plan G cover prescription drugs?
No. Medicare Supplement plans do not include prescription drug coverage. You need to enroll in a separate Part D plan to cover your medications. Most people who choose Plan G also buy a Part D plan at the same time through a local or national carrier.
Why do Plan G premiums vary between insurance companies?
Even though the benefits are federally standardized, each insurance company sets its own premiums. Carriers use different pricing methods (community-rated, issue-age, or attained-age) and have different cost structures based on their claims experience and operating expenses. That is why comparing quotes from multiple carriers is so important. The coverage is the same, so the lowest price wins.
Schedule your free Medicare Plan G rate consultation with The Big 65 today and let Karl’s team help you find the best coverage at the best price.
Finding the right Medicare Supplement Plan G at the right price does not have to be complicated. The Big 65, founded by Karl Bruns-Kyler, CSA, is an independent Medicare broker with over 20 years of experience. We represent 10 insurance organizations offering 50 different products across 33 states. Our service costs you nothing. Your premium is the same whether you work with us or go direct to the carrier.
We do not offer every plan available in your area. Currently, we represent 10 organizations that offer 50 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Not Sure Which Medicare Plan Is Right for You?
Medicare is complicated, but you do not have to figure it out alone. With over 20 years of experience, Karl Bruns-Kyler can help you compare plans, avoid costly mistakes, and find the coverage that fits your needs and budget.
Call (877) 850-0211
Or schedule a free consultation at a time that works for you.
There is never a charge for my services. Your premium is the same whether you work with me or go direct.
Disclaimer: We do not offer every plan available in your area. Currently, we represent 10 organizations that offer 50 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.