Blue Cross Blue Shield Medicare Supplement Cost: Average Rates & What Drives Them

Blue Cross Blue Shield is not one insurer. It is a group of independent companies, and each local company sets its own Medicare Supplement plans and prices. A Medigap plan, sometimes called Medicare Supplement insurance, helps pay costs Original Medicare leaves behind. Benefits are standardized by plan letter, so Plan G covers the same things whichever company sells it.

Premiums depend on your age, your state, the plan letter, and how the local company prices the plan. The figures below are averages and sample quotes with a check date of Oct 14, 2026. Your own quote may be higher or lower.

For Plan G at age 65, MoneyGeek reports an average of $170/mo, averaged across BCBS markets. Other plan letters from the same source include Plan N at $204/mo, Plan F at $215/mo, Plan K at $107/mo, Plan A at $279/mo, and Plan M at $307/mo.

A plan with a lower premium may leave you with more out-of-pocket costs when you use care. Medicare.gov and your state's SHIP counselor can explain how each plan letter shares costs, and a licensed insurance agent can help you compare options.

Many local Blue Cross companies price by attained age, so your premium rises as you get older. Others price differently, and the method depends on the state and the company.

MoneyGeek lists Plan G at $225/mo at age 75 and Plan N at $274/mo. Compare those with the age 65 figures to see how the price moved in the markets the source averaged. Ask the company which pricing method applies to the plan you are quoting.

Because each Blue company sets its own rates, Plan G prices differ sharply by state. The table shows sample premiums for a 65-year-old.

The lowest listed here is Delaware at $163/mo, and the highest is Florida at $327/mo. California is listed at $199/mo, New Jersey at $274/mo, and Texas at $179/mo for BCBSTX. Texas comes from PolicyGuide, and the rest from MoneyGeek. Sample quotes can change by ZIP code, gender, tobacco use, and discounts.

MoneyGeek gives a market average of $170/mo. Blue Cross and Blue Shield of North Dakota lists an estimated 2026 premium of $198.40/mo for a 65-year-old female non-tobacco user, per its own plan page. The gap shows why one national number is hard to rely on. Reasons figures differ include:

• Local company pricing. Each company sets rates for its own state.
• Averages and single quotes. An average across markets differs from one person's quote.
• Profile. A quote may assume a specific age, gender, and tobacco status.
• Pricing method. Attained age and other methods change how the price moves.

• Plan letter. Plans cover different shares of your costs.
• State and local company. Rates and available plans vary.
• Age when you buy, and the pricing method used.
• Gender and tobacco use, where your state allows insurers to use them.
• Discounts. Ask your local Blue company what is available.

Not every plan letter is sold in every state, so check which plans your local company offers before you compare prices.

Request quotes for the same plan letter from your local Blue company and from other insurers. Ask what the premium is at your age today and how the company prices future years. To choose a plan, use Medicare.gov, contact your state's SHIP counselor, or talk with a licensed insurance agent.