The Average Cost of Medicare in Every State

• by Christian Worstell
• October 30, 2023
• Reviewed by John Krahnert

Original Medicare (Part A and Part B) has standardized 2024 costs that are the same in every state.

But the average cost of Medicare Advantage plans (Part C) and Medicare Supplement Insurance plans (Medigap) can vary according to a number of factors, including where you live.

In this guide, we break down the average cost of Medicare Advantage plans and Medigap plans by state.

How much does Medicare Part C cost in each state in 2023?

The chart below shows the average monthly premium for Medicare Advantage plans in each state.¹

• Maine, South Carolina, New Mexico, Idaho, Missouri and Nevada have the lowest average monthly Medicare Advantage premiums in 2023, with all five states having average plan premiums of $42 or less per month.
  
  
• The highest average monthly premiums were for Medicare Advantage plans in Rhode Island, Michigan, Massachusetts, North Dakota and South Dakota.

*Medicare Advantage plans are not sold in Alaska. 

Learn more about Medicare Advantage plans in your state. 

What is the average cost of Medicare Supplement Insurance plans in each state?

There are 10 standardized Medicare Supplement Insurance plans available in most states.

Plan G is available in most states and is one of the most popular Medigap plans. Medigap Plan G is, in fact, the second-most popular Medigap plan. 32 percent of all Medigap beneficiaries are enrolled in Plan G.²

The chart below shows the average monthly premium for Medicare Supplement Insurance Plan G for each state in 2023.³

• Connecticut, Virginia, New Mexico, Iowa and North Carolina had the plans with the lowest average monthly Plan G premiums in 2023, around $120 or less per month.
  
  
• The highest average monthly Medigap Plan G premiums were in New Hampshire, Florida, Washington, Maine and Colorado, at around $180 or higher per month.

How much do Medicare Part A and Part B cost in 2024?

Part A and Part B of Medicare have standardized costs that are the same across every state.

• Most people qualify for premium-free Part A.
  To qualify for premium-free Part A, you or your spouse must have worked and paid Medicare taxes for the equivalent of 10 years (40 quarters). Those 40 quarters do not have to be consecutive.
  
  
• If you pay a premium for Part A, your premium could be up to $505 per month in 2024.
  If you paid Medicare taxes for only 30-39 quarters, your 2024 Part A premium will be $278 per month. If you paid Medicare taxes for fewer than 30 quarters, your premium will be $505 per month.
  
  
• The standard Part B premium is $174.70 per month in 2024.
  Some beneficiaries may pay higher premiums for their Part B coverage, based on their income. This change in cost is called the IRMAA (Income-related Monthly Adjustment Amount).

Find out whether you are required to pay a Medicare IRMAA in 2024.

Read additional Medicare costs guides to learn more about Medicare costs and how they will affect you.

Compare Medicare Advantage plan costs where you live

A licensed insurance agent can help you compare the costs of Medicare Advantage plans in your area. Learn more and find a plan that fits with your personal coverage and budget needs.

Learn more about Medicare enrollment

• What is the average cost of Medicare?
• Does Medicare cost change by income level?
• How do I cancel Medicare?
• What is Medicare Easy Pay?
• How do I enroll in a Medicare Advantage plan?
• How do I disenroll from a MA plan?
• What is a Special Enrollment Period?
• What is a Medicare Special Needs Plan?
• How does Medicare work with other forms of coverage?
• What is a 5-star Medicare Advantage plan?

About the author

Christian Worstell is a senior Medicare and health insurance writer with MedicareAdvantage.com. He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

Christian has written hundreds of articles for MedicareAvantage.com that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at Mike@tzhealthmedia.com.

 

 

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