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Medicare Supplement Costs by State, 2026
Medicare Supplement (Medigap) premiums vary dramatically depending on where you live. Plan G, the most popular Medigap plan, ranges from as low as $79/month in Iowa to over $1,100/month in West Virginia. Below you'll find 2026 premium ranges for Plan G and Plan N across 48 states, plus every Medigap plan available in Nebraska.
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2026 Medicare Supplement Costs at a Glance
Plan G (National Range)
$79 to $1,120/mo
Most popular plan. Covers everything except the $283 Part B deductible.
Plan N (National Range)
$60 to $842/mo
Lower premiums with small copays: up to $20/office visit, $50/ER.
High-Deductible Plan G
$37 to $338/mo
Lowest premiums. You pay a $2,950 deductible before benefits begin.
Ranges are for a 65-year-old non-smoker. Actual premiums depend on your age, gender, ZIP code, tobacco use, and the insurance carrier. Sources: Nebraska DOI, EZ.Insure, Connie Health, AHI state guides, Humana national analysis.
Every Medigap Plan Available in Nebraska
Nebraska offers all standard Medigap plans. Plans F and C are closed to new Medicare enrollees who became eligible after January 1, 2020. Plan G is the most popular choice, followed by Plan N. Here are the full premium ranges:
| Plan | Monthly Range* |
|---|---|
| A | $86, $546/mo |
| B | $119, $472/mo |
| C | $133, $528/mo |
| D | $107, $345/mo |
| F | $111, $598/mo |
| F (HD) | $40, $184/mo |
| GMost Popular | $97, $568/mo |
| G (HD) | $37, $338/mo |
| K | $50, $176/mo |
| L | $62, $320/mo |
| M | $78, $363/mo |
| N2nd Most Popular | $74, $483/mo |
*Ranges reflect quotes for a 65-year-old non-smoker. Rates vary by age, gender, zip code, and insurer. Sources: NE DOI, EZ.Insure, Connie Health, AHI state guides.
How Nebraska Compares to Neighboring States
If you live near a state border, it's worth knowing how rates compare. Nebraska's Plan G starts at $83/month, competitive with Iowa ($79) and lower than Colorado ($101) and Missouri ($134). Here's how the region stacks up:
| State | Plan G | Plan N |
|---|---|---|
| Colorado | $101, $417/mo | $72, $406/mo |
| Iowa | $79, $353/mo | $62, $265/mo |
| Kansas | $106, $423/mo | $79, $407/mo |
| Missouri | $134, $738/mo | $108, $623/mo |
| NebraskaYou | $83, $503/mo | $75, $428/mo |
| South Dakota | $99, $368/mo | $73, $267/mo |
*Monthly premiums for a nonsmoking 65-year-old. Prices vary by ZIP code, insurer, and enrollment discounts. Sources: AHI state guides, Humana national analysis.
Plan G & Plan N Costs in All 48 States
Three states, Massachusetts, Minnesota, and Wisconsin, use their own standardized Medigap plans instead of the federal lettered system, so they are not included below. Search for your state to see estimated 2026 rates:
| State | Plan G | Plan N |
|---|---|---|
| Alabama | $104, $355/mo | $73, $250/mo |
| Alaska | $111, $343/mo | $84, $332/mo |
| Arizona | $99, $471/mo | $76, $357/mo |
| Arkansas | $122, $425/mo | $97, $405/mo |
| California | $120, $196/mo | $92, $144/mo |
| Colorado | $101, $417/mo | $72, $406/mo |
| Connecticut | $210, $629/mo | $160, $398/mo |
| Delaware | $117, $364/mo | $90, $279/mo |
| Florida | $163, $227/mo | $124, $175/mo |
| Georgia | $101, $299/mo | $77, $222/mo |
| Hawaii | $110, $368/mo | $87, $212/mo |
| Idaho | $154, $257/mo | $111, $223/mo |
| Illinois | $87, $372/mo | $67, $355/mo |
| Indiana | $90, $389/mo | $70, $370/mo |
| Iowa | $79, $353/mo | $62, $265/mo |
| Kansas | $106, $423/mo | $79, $407/mo |
| Kentucky | $95, $373/mo | $72, $326/mo |
| Louisiana | $98, $348/mo | $73, $321/mo |
| Maine | $208, $371/mo | $164, $235/mo |
| Maryland | $117, $420/mo | $85, $400/mo |
| Michigan | $94, $337/mo | $72, $351/mo |
| Mississippi | $84, $381/mo | $67, $320/mo |
| Missouri | $134, $738/mo | $108, $623/mo |
| Montana | $110, $836/mo | $87, $661/mo |
| NebraskaYou | $83, $503/mo | $75, $428/mo |
| Nevada | $107, $374/mo | $78, $363/mo |
| New Hampshire | $140, $317/mo | $113, $232/mo |
| New Jersey | $126, $395/mo | $95, $326/mo |
| New Mexico | $92, $336/mo | $70, $329/mo |
| New York | $226, $533/mo | $166, $349/mo |
| North Carolina | $89, $302/mo | $66, $274/mo |
| North Dakota | $103, $226/mo | $75, $190/mo |
| Ohio | $100, $368/mo | $76, $360/mo |
| Oklahoma | $92, $363/mo | $64, $362/mo |
| Oregon | $121, $330/mo | $97, $237/mo |
| Pennsylvania | $102, $407/mo | $78, $373/mo |
| Rhode Island | $123, $347/mo | $88, $267/mo |
| South Carolina | $79, $379/mo | $60, $351/mo |
| South Dakota | $99, $368/mo | $73, $267/mo |
| Tennessee | $89, $355/mo | $68, $346/mo |
| Texas | $85, $428/mo | $68, $400/mo |
| Utah | $102, $359/mo | $74, $270/mo |
| Vermont | $145, $343/mo | $124, $209/mo |
| Virginia | $95, $349/mo | $74, $298/mo |
| Washington | $99, $329/mo | $140, $218/mo |
| Washington, D.C. | $110, $311/mo | $81, $288/mo |
| West Virginia | $93, $1120/mo | $70, $842/mo |
| Wyoming | $101, $391/mo | $74, $328/mo |
*Monthly premiums for a nonsmoking 65-year-old. Prices vary by ZIP code, insurer, and enrollment discounts. Sources: AHI state guides, Humana national analysis.
Why Do Medicare Supplement Costs Vary So Much?
1. Rating Method
States use three different pricing methods. Attained-age states (most common) base premiums on your current age, they start low but increase as you get older. Issue-age states lock your rate based on the age you buy. Community-rated states (New York, Connecticut, Florida, Maine, Vermont, parts of Washington) charge the same premium regardless of age, they start higher but don't increase due to aging.
2. Number of Carriers
States with more insurance companies competing for business tend to have lower rates. West Virginia and Montana have some of the highest premiums because fewer carriers operate there. California, Illinois, and Nebraska benefit from strong carrier competition.
3. Regional Healthcare Costs
Areas with higher hospital and provider costs tend to have higher Medigap premiums. Urban areas may differ significantly from rural areas within the same state. That's why ranges can be wide, Nebraska's Plan G spans from $83 to $503/month.
4. Your Personal Factors
Beyond location, premiums depend on your age, gender (women often pay less), tobacco use (smokers pay 10 to 25% more), and household discounts (some carriers offer 5 to 12% off when both spouses enroll). Enrollment timing matters too, during your Medigap Open Enrollment Period (6 months after Part B starts), you get guaranteed issue with no medical underwriting.
Want to Know Your Exact Rate?
These are estimated ranges. Your actual premium depends on your age, ZIP code, gender, and the carrier. As an independent broker licensed in all 50 states, I can compare rates from multiple carriers to find your best option, at no cost to you.
Frequently Asked Questions
Sources: CMS.gov, Nebraska DOI, EZ.Insure, Connie Health, AHI state guides, Humana national analysis.
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