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The Average Cost of Medicare in Every State
Reviewed by John Krahnert
Learn the average cost of Medicare Advantage plans and Medigap plans in every state, as well as 2025 Medicare Part A and Part B costs.
Original Medicare (Part A and Part B) has standardized 2025 deductibles and premiums 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.
We offer plans from Humana, UnitedHealthcare®, Anthem Blue Cross and Blue Shield*, Aetna, Cigna Healthcare, Wellcare, or Kaiser Permanente.
Enrollment may be limited to certain times of the year. See why you may be able to enroll.
How much does Medicare Part C cost in each state in 2025?
The chart below shows the average monthly premium for Medicare Advantage plans in each state.2
*Medicare Advantage plans are not sold in Alaska.
| State | Average Premium |
|---|---|
| Alabama | $6.21 |
| Arizona | $8.23 |
| Arkansas | $7.03 |
| California | $15.45 |
| Colorado | $9.79 |
| Connecticut | $9.37 |
| Delaware | $13.37 |
| District of Columbia | $20.49 |
| Florida | $1.09 |
| Georgia | $8.47 |
| Hawaii | $31.52 |
| Idaho | $21.64 |
| Illinois | $11.96 |
| Indiana | $13.97 |
| Iowa | $10.07 |
| Kansas | $10.33 |
| Kentucky | $10.42 |
| Louisiana | $5.95 |
| Maine | $7.39 |
| Maryland | $22.31 |
| Massachusetts | $10.16 |
| Michigan | $11.08 |
| Minnesota | $37.32 |
| Mississippi | $6.10 |
| Missouri | $8.57 |
| Montana | $46.36 |
| Nebraska | $13.56 |
| Nevada | $3.09 |
| New Hampshire | $20.37 |
| New Jersey | $32.41 |
| New Mexico | $5.02 |
| New York | $27.42 |
| North Carolina | $11.82 |
| North Dakota | $39.35 |
| Ohio | $12.36 |
| Oklahoma | $7.90 |
| Oregon | $17.73 |
| Pennsylvania | $22.30 |
| Rhode Island | $4.56 |
| South Carolina | $9.17 |
| South Dakota | $42.06 |
| Tennessee | $12.06 |
| Texas | $4.99 |
| Utah | $9.64 |
| Vermont | $35.00 |
| Virginia | $13.46 |
| Washington | $16.12 |
| West Virginia | $17.77 |
| Wisconsin | $23.25 |
| Wyoming | $49.13 |
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.
According to America’s Health Insurance Plans (AHIP) analysis, Plan G is available in most states and is one of the most popular Medigap plans.3 Medigap Plan G is, in fact, the second-most popular Medigap plan. 36 percent of all Medigap beneficiaries are enrolled in Plan G.
The chart below shows the average monthly premium for Medicare Supplement Insurance Plan G for each state.4
| State | Average Premium |
|---|---|
| Alabama | $148.83 |
| Alaska | $161.37 |
| Arizona | $153.19 |
| Arkansas | $143.62 |
| California | $164.19 |
| Colorado | $141.70 |
| Connecticut | $221.59 |
| Delaware | $154.03 |
| District of Columbia | $130.63 |
| Florida | $213.64 |
| Georgia | $157.89 |
| Hawaii | $144.79 |
| Idaho | $196.09 |
| Illinois | $140.08 |
| Indiana | $130.22 |
| Iowa | $126.36 |
| Kansas | $151.49 |
| Kentucky | $146.39 |
| Louisiana | $149.17 |
| Maine | $213.56 |
| Maryland | $175.62 |
| Michigan | $135.00 |
| Minnesota | $123.42 |
| Mississippi | $143.36 |
| Missouri | $180.08 |
| Montana | $143.07 |
| Nebraska | $135.35 |
| Nevada | $173.34 |
| New Hampshire | $161.19 |
| New Jersey | $170.48 |
| New Mexico | $167.59 |
| New York | $128.40 |
| North Carolina | $123.36 |
| North Dakota | $142.12 |
| Ohio | $125.91 |
| Oklahoma | $152.65 |
| Oregon | $176.57 |
| Pennsylvania | $150.26 |
| Rhode Island | $147.49 |
| South Carolina | $122.25 |
| South Dakota | $134.46 |
| Tennessee | $127.76 |
| Texas | $136.82 |
| Utah | $149.53 |
| Vermont | $164.51 |
| Virginia | $125.27 |
| Washington | $215.67 |
| West Virginia | $127.49 |
| Wisconsin | $119.92 |
| Wyoming | $142.62 |
How much do Medicare Part A and Part B cost in 2025?
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 $518 per month in 2025.
If you paid Medicare taxes for only 30-39 quarters, your 2025 Part A premium will be $285 per month. If you paid Medicare taxes for fewer than 30 quarters, your premium will be $518 per month. - The standard Part B premium is $185 per month in 2025.
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 2025.
Read additional Medicare costs guides to learn more about Medicare costs and how they will affect you.
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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 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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By clicking "Sign me up!” you are agreeing to receive emails from MedicareAdvantage.com.
Thanks for signing up for our emails!
Your Medicare guide will arrive in your email inbox shortly. You can also look forward to informative email updates about Medicare and Medicare Advantage.
If you'd like to speak with an agent right away, we're standing by for that as well. Give us a call!
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