Medicare Supplement Plan G Cost in 2027
Medicare Supplement Plan G Cost in 2027
A licensed agent’s breakdown of what Plan G actually costs — by state, age, and carrier — and how to find the lowest rate for your ZIP code.
Reviewed annually
National coverage
Jamie Prip is an independent licensed insurance agent. This page is for informational purposes only. Premium figures are sample quotes collected in October 2026 and will vary by ZIP code, carrier, and applicant profile. For official Medicare information, visit medicare.gov.
What Plan G covers
Plan G fills nearly every gap that Original Medicare leaves. The only thing you pay out of pocket is the Part B deductible ($283 in 2026) — one payment per year before coverage kicks in. The 2027 deductible has not yet been announced.
- Part A hospital coinsurance and all hospital costs up to an additional 365 days after Medicare benefits are exhausted
- Part A inpatient deductible ($1,736 in 2026; 2027 amount not yet announced)
- Skilled nursing facility coinsurance
- Part B coinsurance — the 20% Medicare doesn’t pay
- Part B excess charges — what non-participating doctors charge above Medicare rates
- First 3 pints of blood
- Hospice care coinsurance or copayment
- Foreign travel emergency care (80%, up to plan limits)
Plan G does not cover prescription drugs (you’ll need a separate Part D plan), dental, vision, or hearing.
2027 Plan G monthly premium ranges at a glance
Lowest available rates from carriers Jamie sells, for a male non-tobacco applicant turning 65, with a 2027 effective date. Collected October 2026. Your rate depends on your ZIP code.
Lowest State
$154/mo
Iowa — best time to lock in a rate at 65. Guaranteed issue, no health questions.
Typical Range
$186 – $270/mo
Most states fall in this range. Shopping carriers makes a real difference.
Highest State
$366/mo
Florida — highest market in our data. Comparing carriers is especially important here.
2027 Plan G cost by state
Lowest available rate from carriers Jamie sells, male non-tobacco age 65, 2027 effective date, one representative ZIP per state. Collected October 2026. Call for an exact quote in your ZIP.
| State | Carrier | Age 65 / mo |
|---|---|---|
| Colorado | UnitedHealthcare | $230.80 |
| Florida | UnitedHealthcare | $366.47 |
| Georgia | UnitedHealthcare | $225.81 |
| Illinois | HealthSpring | $195.32 |
| Iowa | HealthSpring | $154.33 |
| Michigan | UnitedHealthcare | $198.08 |
| Missouri | UnitedHealthcare | $269.25 |
| New Jersey | HealthSpring | $214.14 |
| North Carolina | UnitedHealthcare | $186.79 |
| North Dakota | HealthSpring | $166.68 |
| Ohio | UnitedHealthcare | $203.24 |
| Pennsylvania | UnitedHealthcare | $237.57 |
| South Carolina | Mutual of Omaha | $187.76 |
| South Dakota | HealthSpring | $225.50 |
| Texas | UnitedHealthcare | $250.38 |
| Virginia | HealthSpring | $182.64 |
| Washington | UnitedHealthcare | $324.25 |
| Wyoming | HealthSpring | $191.25 |
Minnesota and Wisconsin use their own Medigap systems and are not shown here — call for state-specific guidance if you live there. Rates shown are the lowest available from carriers Jamie is appointed with, for a male non-tobacco applicant age 65 with a 2027 effective date, in one representative ZIP per state. Your exact rate may differ.
What drives the price difference
Plan G benefits are identical at every carrier — it’s the price and the company behind it that differ.
Location
Where you live drives more of the premium than anything else. Ohio starts around $203/month in our data; Florida starts around $366/month for the same applicant profile.
Pricing method
Most states use attained-age pricing — premiums rise as you age. Issue-age pricing locks your rate at enrollment. MN, MA, and WI use community rating (same rate for everyone).
Rate history
A low intro rate that jumps 12% per year costs more over time than a slightly higher rate with steady 4–5% annual increases.
Tobacco use
Carriers underwrite for tobacco use and the surcharge varies by company. If you’ve quit within the past 12 months, ask each carrier how they classify former smokers — it’s not standardized.
Household discount
Many carriers offer a household discount when two people at the same address each hold a policy with them. The percentage varies by carrier — worth asking before you finalize.
How to find a competitive rate
The lowest rate isn’t always the best deal. Here’s how to compare effectively.
- 1
Plan G benefits are standardized — a $154 plan covers the same things as a $366 plan. Price, rate history, and the carrier’s financial strength are what actually differ.
- 2
The six months after your Part B starts is your open enrollment window — guaranteed issue, no health questions. Outside that window carriers can decline you or charge more based on health history.
- 3
Before committing, ask for the carrier’s rate increase history over the past three to five years. A lower starting rate with steep annual bumps often costs more over a decade than a slightly higher stable rate.
- 4
If your spouse is also enrolling in Medicare, covering both under the same carrier typically unlocks a household discount — ask about it before you finalize.
Enrollment timing — when you can sign up
Open Enrollment
Starts when you’re 65+ and enrolled in Part B. Guaranteed issue — no health questions, no denials.
Special Enrollment
Protected periods for losing employer coverage, moving, or leaving a Medicare Advantage plan.
Outside Protected Periods
You can apply any time, but carriers can use medical underwriting — declining you or charging more.
If you’re in your six-month open enrollment window, compare rates and enroll before it closes. Health changes after that window can limit your options or make coverage more expensive.
How we collected these rates
- Source: Direct carrier quoting tools and licensed agent quoting platforms
- Effective date: January 1, 2027
- Collection date: October 2026
- Applicant profile: Male, non-tobacco, one ZIP code per state (urban area)
- Discounts applied: None — household, EFT, and annual pay discounts excluded
- Excluded states: MA, MN, WI (non-standard Medigap systems)
These figures are for informational purposes only and are not a guarantee of available rates. Rates change frequently — contact us for a current quote in your area.
How I choose a carrier for my clients
Price gets people in the door, but it’s rarely what I base the recommendation on. Here’s what I actually look at.
Longevity in Medigap specifically
A carrier that’s been selling Medicare Supplement for decades has a claims history, a rate history, and a track record you can evaluate. A company that’s been in life or auto insurance for 50 years but entered Medigap five years ago doesn’t have that. I pay attention to how long a carrier has been in this market, not just insurance generally.
Watch out for toe-dippers
Some carriers treat Medigap as a side product — they sell mostly something else and added Medicare Supplement to round out their lineup. Those companies tend to price aggressively upfront to gain policyholders, then raise rates once they have a book of business. Carriers for whom Medigap is a core product have more incentive to keep rates stable long-term.
Rate history over starting price
The premium you pay in year one matters less than what you’ll pay in year five or ten. Before I recommend a carrier, I look at how much their rates have increased over the past several years. A slightly higher starting rate with consistent 4–5% annual increases usually costs less over time than a low entry rate that jumps 10–12% per year.
Community rating
Most carriers price Medigap using attained-age rating — your premium rises as you get older, on top of any general rate increases. A smaller number of carriers use community rating, where everyone in your area pays the same base premium regardless of age. Even outside the states that require it, some carriers offer it by choice. The premium can still rise over time, but the structure tends to produce more predictable increases. It’s worth asking about when you’re comparing options.
Household discount
If two people at the same address each enroll in a policy with the same carrier, many carriers apply a household discount to both. Most clients don’t ask about it, and a lot of agents don’t bring it up. It can reduce both premiums immediately — worth confirming before you finalize.
Customer service
You probably won’t call your Medigap carrier much in year one. But if you’re dealing with a hospital stay at 80 and there’s a billing issue, you want a company that answers the phone and resolves it. I factor in what I’ve heard from clients about a carrier’s service, not just the rate sheet.
Bottom line
Plan G covers every Medicare gap except the Part B deductible — one fixed payment per year, then no hospital or coinsurance bills for the rest of that year. Premiums vary by state, carrier, and age, and the difference between the lowest and highest carrier in a given state often runs $50–$100 per month, so comparing at enrollment matters.
If you’d like a quote comparing carriers available in your ZIP code, call or book a time below. No cost, no obligation.
Frequently asked questions
Why does Plan G cost so much more in Florida than in Ohio?
Florida has higher healthcare utilization and more Medicare beneficiaries than most states, which drives up carrier costs and premiums. State regulations on how carriers can price policies also play a role.
Will my Plan G premium go up every year?
Most likely yes, but by how much depends on the carrier and your state’s pricing rules. In attained-age states, your premium increases as you age plus any general rate adjustment. Choosing a carrier with a stable rate history at enrollment helps minimize increases over time.
Is Plan G available in every state?
Plan G is available in 47 states. Massachusetts, Minnesota, and Wisconsin have their own Medigap systems — if you live in one of those states, call for state-specific guidance.
Does Plan G cover prescriptions?
No. All Medigap plans cover hospital and medical costs only. You need a separate Medicare Part D plan for prescription drug coverage.
Is Plan G better than Plan N?
Plan G covers more — including Part B excess charges — but costs more per month than Plan N. Plan N requires copays of up to $20 for some office visits and $50 for ER visits. If your doctors don’t always accept Medicare assignment, Plan G’s excess charge coverage is valuable. If they do, Plan N’s lower premium may come out ahead.
Can I switch from Plan G to a different plan later?
Yes, but outside of protected enrollment periods you’ll typically face medical underwriting — you could be declined or charged more based on health history. The best time to enroll is during your guaranteed issue period.
Licensed Insurance Agent Specializing in Medicare Coverage
Serving clients nationwide since 2018 | Licensed in 20+ states
I’ve worked with people turning 65 on Medicare decisions since 2018. I’m licensed in 20+ states and work remotely, so geography isn’t a factor. Most clients take one call to get their questions answered and pick a plan.