Plan G Rates By Age
Plan G premiums follow age bands: typical attained-age quotes run roughly $110–170/month at 65 in competitive ZIPs, and the compounding is what matters — here is the age curve and how to read it.
| Age Band | Typical Plan G Monthly Range | Notes |
|---|---|---|
| 65 (fresh IEP) | $110–170 | Widest carrier spread; shop hard |
| 70 | $150–220 | Attained-age creep visible |
| 75 | $190–280 | Carrier ranking reshuffles |
| 80 | $240–350+ | Issue-age/community plans catch up |
Why the entry quote misleads
Attained-age pricing rises with age bands on top of annual increases — a cheap 65 rate can be the most expensive 80 rate. The fix is comparing pricing models, not entry rates: our model comparison and increase-history patterns turn quotes into 20-year projections.
State distortions
The curve flattens entirely in community-rated states (New York) and in the system states (MA, WI, MN), and it resets annually under birthday-rule states (CA). Check your state’s page before trusting any national table — including this one.
FAQ
What does Plan G cost at 65 on average?
Commonly $120–160/month in metro competitive ZIPs, 2025 dollars; rural ZIPs run higher.
Do Medigap rates drop when you age into new discounts?
No — Medigap has no senior discount beyond household discounts; attained-age plans only rise.
Related reading: All rate files · Plan G file · State rules