There is no single nationwide Medigap premium. Your price depends on the insurer, policy, location and applicable rating or underwriting rules. Compare written quotes for the same benefits and effective date instead of treating an online average as your personal rate.
Three ways insurers set rates
| Method | How age affects the premium |
|---|---|
| Community-rated | Generally does not base the premium on age. Inflation and other factors can still increase it. |
| Issue-age-rated | Uses your age when you buy. It does not increase because you get older, but other increases remain possible. |
| Attained-age-rated | Uses your current age, so aging can increase the rate in addition to other factors. |
No pricing method guarantees a premium will never change. Ask how discounts work, when they can end and how future increases are communicated.
Compare equivalent policies
In most states, the same plan letter has the same standardized benefits across insurers. Massachusetts, Minnesota and Wisconsin use different systems. Compare the same policy form, including whether it is standard, high deductible or Medicare SELECT with provider restrictions. Nonstandard extras do not change the core benefit design.
For high-deductible F or G where available, the 2026 deductible is $2,950 for applicable covered costs before the policy pays. This is different from the premium and from standard Plan G’s Part B deductible responsibility. Check the exact form and eligibility before comparing prices.
Your enrollment rights affect the quote
During the federal Medigap Open Enrollment Period, health problems cannot be used to charge more for a policy offered to you. Outside protected periods, underwriting may affect acceptance and price unless a guaranteed issue right or state protection applies. The annual fall Medicare enrollment season does not create a universal Medigap purchase right.
Ask each insurer the same questions
- What is the exact monthly premium and effective date?
- Which rating method and discounts apply?
- What costs remain after the policy pays?
- Does underwriting or a permitted waiting period apply?
- What can cause the premium to increase?
- What protections apply if I am replacing an existing policy?
Continue budgeting for the Part B premium and separate coverage you need. Do not cancel an existing policy until acceptance and dates are confirmed. SHIP or your state insurance department can help explain state-specific rights.
Related coverage questions
- What Is Medigap? Benefits, Costs and Enrollment
- How to Compare Medigap Policies
- Medigap Comparison Chart: Benefits and 2026 Cost Limits