Medicare Medigap Plan Comparison Calculator

Compare Plan G, Plan N, and High Deductible Plan G over 20 years

Watch: Understanding Medigap Plan G, Plan N, and High Deductible G

Calculator Settings

Monthly Premiums

Annual Premium Increases (%)

Plan N Usage (Annual)

HD Plan G Healthcare Spending

Plan G

$81,216
20-Year Total

Plan N

$57,368
20-Year Total

HD Plan G

$65,722
20-Year Total

Plan Comparison Overview

Medigap Plan G

  • Covers Part A deductible
  • Covers Part B excess charges
  • You pay Part B deductible ($257 in 2025)
  • Comprehensive coverage
  • No copays for office visits

Medigap Plan N

  • Covers Part A deductible
  • You pay Part B deductible ($257 in 2025)
  • $20 copay for office visits
  • $50 copay for ER visits (waived if admitted)
  • Lower premiums than Plan G

High Deductible Plan G

  • Same benefits as Plan G after deductible
  • High deductible: $2,870 in 2025
  • You pay all costs up to deductible
  • Much lower premiums
  • Good for healthy individuals

Year-by-Year Cost Breakdown

Year Age Plan G Plan N HD Plan G Best Value
1 65 $1,817 $1,627 $2,100 Plan N
2 66 $1,958 $1,715 $2,193 Plan N
3 67 $2,110 $1,809 $2,290 Plan N
4 68 $2,274 $1,908 $2,392 Plan N
5 69 $2,451 $2,014 $2,499 Plan N
6 70 $2,642 $2,126 $2,610 Plan N
7 71 $2,848 $2,244 $2,727 Plan N
8 72 $3,069 $2,370 $2,849 Plan N
9 73 $3,308 $2,503 $2,976 Plan N
10 74 $3,566 $2,645 $3,110 Plan N
11 75 $3,844 $2,795 $3,250 Plan N
12 76 $4,144 $2,954 $3,396 Plan N
13 77 $4,467 $3,123 $3,549 Plan N
14 78 $4,815 $3,302 $3,710 Plan N
15 79 $5,191 $3,492 $3,877 Plan N
16 80 $5,597 $3,694 $4,053 Plan N
17 81 $6,034 $3,908 $4,237 Plan N
18 82 $6,505 $4,134 $4,430 Plan N
19 83 $7,014 $4,375 $4,631 Plan N
20 84 $7,562 $4,630 $4,843 Plan N

Important Disclaimer

This calculator is for illustration purposes only and provides estimates based on the inputs you provide. Actual costs may vary based on insurance company rates, regional differences, health status, and other factors. Medicare Supplement premiums can change annually and vary by carrier and location. This tool should not be used as the sole basis for making insurance decisions. Please consult with a licensed insurance agent or Medicare specialist for personalized advice and current rates in your area.