Average Medigap Plan G Premium 2027: What Filed Rates Show and the Math Behind Them

Medicare Supplement rates are regulated by state insurance departments, not by CMS. Each insurer files a rate schedule for each state, often split into regions, ages and rating classes. Many 2027 rates have not even been filed yet, since insurers adjust on their own calendars throughout the year.

For broader ranges across every plan letter, see typical Medigap premiums.

Blue Cross Blue Shield of Arizona publishes its 2026 Medicare Supplement monthly rates in a public rate sheet. We took its Senior Saver Plan G rates and held every factor steady except one, to see how far that single factor moves the premium.

Our calculation from BCBS Arizona’s 2026 Medicare Supplement monthly rate sheet, Senior Saver Plan G, starting point: male, 65, non-tobacco, Region 1, BlueValue rate. One insurer in one state; other insurers price differently.

Age banding is why an average taken at 65 understates what long-term owners pay. In the Arizona sheet, the Plan G rate for the same person nearly doubles between 65 and the 73-and-older band.

Those are age-band changes alone. Insurers can also raise rates for an entire block of policies, with state approval, on top of any age step. Issue-age policies avoid the age steps but not the block increases; community-rated policies charge everyone in an area the same regardless of age.

The premium is only part of the cost. Here are two 2027 budgets built from the lowest and highest 65-year-old non-tobacco discounted Plan G rates on the Arizona sheet, plus the projected Medicare amounts.

Our calculation: 2026 filed monthly rates of $151.35 and $210.30 held flat for 2027; projected 2027 Part B premium of $209.50 and deductible of $292 from the Medicare Trustees. Higher-income people pay more for Part B.

After the deductible, Plan G pays the rest of Medicare-approved costs for covered care, so the totals above hold whether the year brings one checkup or a hospital stay. More on that one deductible is on our Plan G deductible for 2027 page.

On the same Arizona sheet, Plan N for a 65-year-old male non-smoker in Region 1 is $190.54, or $19.76 a month less than Plan G. That is about $237 a year.

For the deductible version’s own pricing, see our high-deductible Plan G cost guide.

Plan F and Plan C remain available only to people who were eligible for Medicare before 2020, which is why Plan G is now the reference point most premium comparisons use.