Speak to a licensed agent and save up to $751 a year.

Top 10 Most Expensive States for Medigap Plans

Top 10 Most Expensive States for Medigap Plans

If you are trying to find an affordable Medigap policy to supplement Original Medicare, chances are you’ve heard that the cost of Medigap policies varies by state. With many seniors on fixed incomes, it is important to find an affordable Medigap policy.

However, there’s just one problem. The cost of living in your area may have an impact on the cost of Medigap policies where you live. Some states are more expensive than others. Here, we talk about the top 10 most expensive states for Medigap policies. 

Why are some states more expensive than others?

Several factors influence the cost of Medigap plans in each state. Some states utilize a “community rating system” to determine the cost of their Medigap plans. A community rating system determines that premium costs are not different for men and women. This means that individuals of any age can purchase the exact same plan for the same price. Because of this, premiums are typically higher in states that use a community rating system.

Many states with a high cost of living are among the most expensive states for Medigap policies. New York, California, New Jersey, Connecticut, Maine, Vermont, and Rhode Island are among the top 10 most expensive states for Medigap plans. Let’s take a look at the most expensive states for Medigap by rating.

  1. New York
  2. Vermont
  3. Connecticut
  4. Maine
  5. Florida
  6. Washington
  7. California
  8. New Hampshire
  9. New Jersey
  10. Delaware

New York

If you live in New York or are moving to the state, premiums for New York Medigap policies are significantly higher than those of many other states. The cost of Medigap Plans A, G, and N in New York typically range between $139 and $533 per month. You will pay these prices if you choose to enroll during your enrollment period. The cost of premiums will be different depending on the company that provides coverage and the rating method for your premium. 

With a community-rated policy, your premium does not depend on your age. However, the cost of your premium may go up because of inflation and a multitude of other factors. Age does not play a role in your premium cost. The cost is the same for everyone across the board.

An issue-age related system is different. With his system, premiums depend on your age when you first purchase the policy. With attained-age, the cost of premiums may go up as you age. Issue age may go up based on inflation, the cost of living


Vermont has some of the most expensive Medigap policies in the nation. The avg. cost of a Medigap Plan G in Vermont is $165.70 per month. According to experts, Humana offers the least expensive Medigap policy in the state. The cost of this policy runs anywhere from $138.80 to $201.80 per month.  


Medigap policies are expensive in Connecticut, and for good reason. Connecticut has a generally high cost of living. Because of this, premiums in this state are quite high. Medigap premiums in Connecticut often cost as much as $227 per month.  


In Maine, the average premium for a Medigap policy runs between $162 and $371 each month. Premiums in Maine are expensive. However, there are alternative coverage options. You can choose Medicare Advantage, if you’d like. However, Medigap plans are still the best option for most people.


Many people would like to relocate to Florida, because of its weather and beautiful landscape. This is especially true of many seniors who grow tired of colder climates. Although Florida is a great state for comfort, it happens to be one of the most expensive states for Medigap plans. 

In Florida, seniors can expect to pay a lot of money for Medigap policies. Medigap premiums in Florida run between $168 and $298 per month, experts say. However, like many other states, your monthly premium will ultimately depend upon your provider and the rate of inflation. Florida, in general, is an issue-age rated state. 


Medigap rates in Washington state range between $99 and $329 per month. According to experts, seniors in Washington need a Medigap plan, because there is no cap on what you can pay for Plans Part A and Part B. Additionally, having a Medigap policy allows you to see any doctor or medical provider in the United States that accepts Medicare. You can also travel overseas without having to worry about the cost of emergency medical care. You can plan ahead for medical emergencies you may experience in the future.


California is yet another state where the cost of Medigap plans is high. Medigap premiums in California run between $92 and $206 per month. In California, how much you pay will depend upon your insurance company and “how your premium is rated,” according to Medicareplans.com. 

In addition to community-rated and issue-age related rating systems, California also uses an attained-age-rated system. An attained-age-rated system has a different impact on premiums. Price will vary depending on your age, and premiums may increase as you age. Anthem offers Medigap plans in California, amongst many other. If you have Original Medicare Parts A and B, you can sign up for a Medigap policy. Open enrollment in California lasts for six months. Open enrollment begins when you turn 65 and are enrolled in part B. You may switch during the year without health underwriting with the California birthday rule. 

New Hampshire

If you enroll in a New Hampshire Medigap plan during the open enrollment period in New Hampshire, you will have to pay between $100 and $317 each month depending on which plan you select. You will pay on avg this amount for Medigap Plans A-N if you enroll during open enrollment. New Hampshire also has a unique set of rating systems. New Hampshire has a community rated system, an issue-age-rated system, and an attained-age-rated system.

With the community rated system, your premium is not determined by your age. Like other states, issue-age premiums only increase when prices go up (inflation), and other factors play a role. Of course, it also helps to know what the best Medigap policies in New Hampshire are. According to experts, Medigap Plan G is quite possibly the best Medigap policy in the state, because it covers almost all of your medical expenses. This plan is ideal for people with a lot of medical expenses under Medicare Part A and Part B.  

New Jersey

According to Money Geek, Medigap premiums in New Jersey are among some of the highest in the nation. A Horizon Medigap policy in New Jersey typically costs about on avg $154.62 per month. That is significantly lower than the state’s average Medigap premium of $200.30. Some Medigap plans in New Jersey cover medical issues that arise during foreign travel. These plans cover overseas hospital and doctor visits.

Travel medical insurance does not come with Original Medicare, which is why Medigap policies are beneficial for seniors. However, it’s important to consider your financial situation. If a state has expensive Medigap policies, it may be worthwhile to select a plan with higher cost sharing especially if you’re healthy. Either way you look at it, Medigap policies are a good idea for anyone looking to save money on health care.


If you live in Delaware and enroll in a Delaware Medigap plan during open enrollment, you will have to pay between $142 and $382 each month. If you live in Delaware, it helps to know how to select the right Medigap plan. Experts recommend considering several factors. You will need to pay a monthly premium, which is in addition to your Part B premium. You must pay your monthly premium, whether or not you used your benefits in any given month.

It is also important to explore your plan options. Every plan offers you basic coverage for Part A coinsurance and copays. However, benefits may vary depending on several things. Look at what benefits each plan offers and determine if the available plans meet your needs. You will likely find a plan that meets your needs. However, this may take time. 

It is also important to check reviews of different plans to get an idea of what other people think. One of our licensed agents at meidgapcoverage.com can help you sort through the noise to find an ideal plan for your health and budget. Also, be on the lookout for extras discounts. Some insurance companies offer discounts or benefits after you sign up to be a member. You may also be able to get discounts on hearing providers and hearing aids. Some carriers offer household discounts on your premiums if your significant other buys from the same insurance company. 

Of course, it helps to know what to look for if you are seeking the best policy. Twenty-seven percent of Medigap beneficiaries are enrolled in Medigap Plan G, while 46 percent of Medigap beneficiaries are enrolled in Medigap Plan F. Ten percent of Medigap beneficiaries are enrolled in Plan N, while the remaining four percent have Medigap Plan C. It is also important to consider your personal health situation when selecting a Medigap plan.

11 Sources

MedigapCoverage has strict sourcing guidelines to ensure our content is accurate and current. We rely on peer-reviewed studies, academic research institutions, and medical associations. We strive to use primary sources and refrain from using tertiary references.












Still confused? Call us!

We’re here at 833-245-0614 to answer any questions, and ready to help with any issues you might have with an insurer through the enrollment process.

Please enable JavaScript in your browser to complete this form.

Table of Contents


  • Best overall Medicare supplement for new enrollees: Plan G.
  • Best overall Medicare supplement before 2020: Plan F.
  • Best low cost Medicare supplement: Plan K.
  • Best alternative to Plan G Medicare supplement: Plan N.

Learn More

Medicare Supplement policies are private health insurance designed to cover gaps in Original Medicare. They are also known as Medigap plans. These take care of costs such as copays, coinsurance, and deductibles which can become expensive if you need regular care from a doctor or hospital. If you need medical care while traveling outside the U.S., you can buy Medigap policies to help cover those costs. As a supplement to Original Medicare, you’re required to have Part A and Part B before you canget a Medigap policy. This way, Medicare is responsible for the Medicare-approved costs of the covered care, and the remainder is covered by your Medigap plan.

Learn More

Optimal coverage comes with higher costs, making Plan F the most expensive Medigap plan. Plan F is known as “first-dollar coverage” and it takes care of everything provided during a doctor or hospital visit. Your only responsibility is for dental, vision, medications, and equipment, such as hearing aids.

Learn More

The Federal government ended the Plan F option for new enrollees last year to keep the healthcare system from being overused by patients who had their deductibles covered. The next best coverage after Plan F is Plan G.

Learn More

Medigap Plan G offers every advantage of Plan F except for the deductible, which you have to cover. Because it isn’t as comprehensive as Plan F, Plan G is more affordable.

Learn More

For people who don’t go to the doctor often, Plan K is worth considering. It is the most affordable because it provides just 50% of Medicare Part B coinsurance, the Part A deductible, blood, skilled nursing, and Part A hospice costs. For comparison, Plan G and others offer full coverage of these expenses, and more.

Learn More

It’s hard to argue against plans which cut your traditional Medicare costs. For most people, having the extra coverage these supplemental plans provide is common sense, unless they want the specific features of a Medicare Advantage plan.

Learn More

Most people would benefit from not having to pay out-of-pocket to stay healthy. Medicare supplement insurance or a Medicare Advantage plan offer vital savings now, but are indispensable should a catastrophic health issue occur.

Learn More

Of the 10 Medicare-approved Medigap plans, Plan G and Plan N are the most popular. Plan F is no longer available to new Medicare enrollees as of 2020, but it is still popular among people who bought this plan prior to 2020.

Learn More

  • Plan F$128–$342
  • Plan F (high deductible)$22–$88
  • Plan G$106–$325
  • Plan G (high deductible)$29–$58

Learn More

Before getting a Medicare supplement plan, you need to be enrolled in Medicare Part A (hospital insurance) and Part B (medical insurance). People with Medicare Advantage Plans who want to go back to Original Medicare can buy a Medigap policy prior to switching.

Learn More

The security of having lower or no out-of-pocket healthcare costs can offset the premiums you’ll have to pay for whichever Medigap plan you choose, which vary depending on the benefits offered.

Learn More

The national average cost for Medicare Supplement Plan F is $1,824 annually, which is $152/month; Medigap Plan G will cost you around $143 per month.

Learn More

Since Plan F was discontinued for new enrollees as of 2020, Plan G offers the most coverage for people 65 and older. It has a lower premium than Plan F and duplicates its benefits, except for the Part B deductible.

Learn More

It depends on your specific needs, but for most people a Medigap plan is very useful in supplementing the coverage of Medicare Part A and Part B. A Medicare Advantage plan is an affordable way to get healthcare coverage not offered by Original Medicare.

Historically, Plan F has been the most popular because it covers all the out-of-pocket costs Medicare does’t pay for. This includes the 15% extra charge billed by providers who do not take Medicare as full payment.

Learn More

Since January 1, 2006, no Medigap policy came with prescription drug coverage. You have two options to get covered, enrolling in either a Medicare Prescription Drug Plan (Part D) or a Medicare Advantage plan.

Learn More

Have a Question? We've Got You Covered.

Please enable JavaScript in your browser to complete this form.