Plan G's price isn't one number, it depends on several personal factors. Here's what drives Plan G cost in 2026 and how to pay less.
What does Plan G cost in 2026?
Plan G premiums in 2026 commonly range from roughly $90 to $300+ per month, but your actual price depends on your age, ZIP code, gender, tobacco use, and the insurer you choose. Beyond premium, your only expected out-of-pocket cost under Plan G is the annual Part B deductible ($257 in 2025; the 2026 amount is set by CMS each fall), after which Plan G covers nearly all Medicare-approved costs. Because every insurer's Plan G provides identical benefits, the same coverage can cost hundreds of dollars more per year from one carrier than another. Comparing carriers is the key to a lower price. Call 1-800-MEDIGAP (1-800-633-4427) for free quotes.
What factors affect your Plan G premium?
Several factors shape your Plan G premium: your age (older applicants generally pay more), ZIP code (local healthcare costs and competition vary), gender, tobacco use, and the insurer's rating method. There are three rating types, community-rated (same price regardless of age), issue-age-rated (based on your age at purchase, doesn't rise with age), and attained-age-rated (starts lower but increases as you age). The attained-age plan that's cheapest today may not stay cheapest, so understanding the rating method matters for long-term cost. A licensed agent at 1-800-MEDIGAP can compare carriers and rating methods to find your best long-term value, not just the lowest first-year price.