Humana Medicare Supplement Cost: Average Rates & What Drives Them

A Medicare Supplement plan, also called Medigap, is private insurance that helps pay costs Original Medicare leaves behind, such as coinsurance and deductibles. Humana is one of the companies that sells these plans. Medigap benefits are standardized by plan letter, so Plan G from one company covers the same things as Plan G from another. The price is what differs.

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

For Plan G at age 65, MoneyGeek reports an average of $170/mo. The table above shows several other plan letters from the same source. Plan A averages $224/mo, Plan F $185/mo, Plan N $201/mo, and Plan K $129/mo. Plan M is the highest of those listed at $524/mo.

A lower premium does not mean a plan costs less overall. Plans cover different shares of your medical costs, so what you pay at the doctor or hospital changes too. Medicare.gov and your state's SHIP counselor can explain what each plan letter covers.

Pricing method matters as much as the plan. Some states price by attained age, which means the premium rises as you get older. Others use community or issue-age pricing, where age plays a smaller role or none at all.

MoneyGeek lists Plan G at $202/mo at age 75 and Plan N at $240/mo. Compare those with the age 65 figures above to see how much the price moved in the states the source averaged. Ask any insurer which pricing method applies in your state.

Plan G premiums vary widely by state, even for the same age. The table below shows sample Humana quotes for a 65-year-old in several states.

Texas is listed at $185/mo and California at $313/mo. These are sample quotes from PolicyGuide, not averages for the whole state, and they may differ by ZIP code, gender, tobacco use, and available discounts.

MoneyGeek reports $170/mo, while SeniorLiving shows a sample range of $175.36 – $175.80/mo for a 65-year-old, which is a quote for a specific person. Differences between sources may come from:

• Averages and single quotes. One source may average many states and another may show one profile.
• Discounts. Insurers may offer a household discount or a discount for certain payment methods, and a quote may or may not include them.
• Gender and tobacco use. Some states allow insurers to price on those factors.
• The date of the quote. Medigap premiums may change when the insurer updates its rates.

• Plan letter. Different plans cover different shares of your costs.
• Age when you buy and pricing method. Attained age, issue age, and community rating work differently.
• State and ZIP code. Rates, available plans, and rating rules vary by state.
• Discounts. Ask whether household, online, or payment method discounts apply.
• Tobacco use and gender, where your state allows insurers to use them.

Get quotes for the same plan letter from several insurers, since the benefits are the same and the price is not. Ask whether the quote is for your age today and how it will change in future years. For help choosing a plan, use Medicare.gov, contact your state's SHIP counselor, or talk with a licensed insurance agent.