Medigap Rate Comparison
Compare monthly premiums across all major carriers in your state. Filter by plan, age, and gender. See total annual cost including Part B and Part D.
ℹ️ Total cost shown includes: Medicare Part B premium ($185/mo) + Medigap plan premium + Standalone Part D (~$42/mo avg) + estimated cost-sharing.
Loading rates…
No rates found for this selection. Try adjusting the filters.
| Carrier | Rate Type | Monthly Premium | Annual Medigap |
Total Yr 1
w/ Part B + D
|
5-Yr Total
w/ Part B + D
|
AM Best |
|---|---|---|---|---|---|---|
| Loading rates… | ||||||
Understanding Rate Types
This is the single most important factor in long-term Medigap cost — more important than the first-year premium.
🟢 Community-Rated
Same premium for everyone, regardless of age. Premium rises only with medical inflation — not because you get older. Best long-term value if you stay enrolled for many years. Example: AARP/UnitedHealthcare.
🟡 Issue-Age
Premium is locked at your enrollment age. Doesn't increase just because you get older — only rises with inflation. Moderate long-term risk — better than attained-age if you enroll young. Examples: Anthem BCBS, Medico.
🔴 Attained-Age
Starts lowest, increases every year as you age. By 75–80, often exceeds community-rated premiums significantly. Highest long-term cost. Examples: Mutual of Omaha, Cigna, Humana, Aetna, Humana.
Rate Trend Assumptions
How premiums grow over time depends on rate type. The 5-year and 10-year totals above use these assumptions:
| Rate Type | Annual Increase | Driver |
|---|---|---|
| 🟢 Community-Rated | ~3%/yr | Medical inflation only. No age component. |
| 🟡 Issue-Age | ~4%/yr | Medical inflation only. Age locked at enrollment. |
| 🔴 Attained-Age | ~6%/yr | Medical inflation + annual age-based step increases. |
* Projections are estimates based on historical NAIC trend data and CMS actuarial assumptions. Actual increases vary by carrier and state.
Compare Against Medicare Advantage?
Not sure if Medigap is right for you? Use the Crossroads Decision Engine to get a personalized recommendation that weighs your health, budget, doctor preferences, and risk tolerance.
🏥 Take the Crossroads Assessment →