How to compare Medigap quotes: the five numbers that matter

Why identical Medigap plans have different prices, and the premium, pricing method, rate history, discounts and insurer strength to compare.

A Plan G from one insurer covers exactly the same things as a Plan G from another. The benefits are standardized by law. So shopping comes down to price and the insurer behind it.

1. Today's premium

Get quotes for your ZIP code, age, sex and tobacco status.

2. Pricing method

Plans are priced by community rating, issue age or attained age. The cheapest plan at 65 is not always the cheapest at 75.

Washington uses community rating for people 65 and older; see community rating in Washington. Florida pricing is explained in how Florida policies are priced.

3. Rate increase history

Ask how much the plan's rates rose in each of the last three to five years; see why Medigap premiums go up.

4. Discounts

Household, electronic payment and annual-pay discounts can cut 5% to 12%.

5. Insurer financial strength

Check AM Best or similar ratings.

An independent agent can line these up across carriers. Maru Insurance does this for Washington and Florida residents.

Questions people ask

Are Medigap plans the same across insurers?

Yes, benefits for each plan letter are standardized.

Why do prices differ?

Pricing method, insurer costs, discounts and rate history.

What is attained-age pricing?

Premiums rise as you age.

Should I check rate increase history?

Yes, it shows how the price is likely to behave.

Independent educational site. Not affiliated with or endorsed by the U.S. government, the federal Medicare program, or any insurance company. Figures are 2026 amounts published by CMS unless noted; check Medicare.gov for your situation.