Medicare Plan N Cost: Average Rates & What Drives Them

Medicare Supplement Plan N, often called Medigap Plan N, is a private policy that fills some of the gaps in Original Medicare. Insurers set their own premiums, so there is no single national price. Plan N is also sold with copayments, which keeps its premium below plans that cover more.

Three costs add up. The monthly premium goes to the insurer. Copayments and the Part B deductible are paid when you use care. A separate drug plan, if you need one, is billed on its own. The sections below separate these so you can see which numbers belong together.

MoneyGeek's 2026 Plan N analysis reports a range at age 65. Attained-age pricing starts at $148/mo, and community rating reaches $249/mo for the same coverage. The gap comes from the rating method, not from the benefits, which are standardized.

Age matters differently under each method. Attained-age premiums rise with every birthday. Issue-age premiums are set by the age you enroll. Community-rated premiums do not depend on age. MoneyGeek lists each method at ages 65 and 75.

A second MoneyGeek page, on Medicare Supplement plan costs, compares insurers instead of pricing methods. It lists average Plan N premiums for four companies. UnitedHealthcare/AARP averages $285/mo, while Aetna averages $172/mo.

The two MoneyGeek pages answer different questions, so their age-65 figures do not match. The Plan N page breaks premiums out by pricing method and shows the lowest entry price under attained-age pricing. The plan cost page averages by insurer and is not tied to a single rating method. A number from one page should not be set beside a number from the other without noting that difference.

Other reasons a quote can land away from these averages:

• State and ZIP code, since insurers price by area.
• Age at enrollment and the rating method the insurer uses.
• Tobacco use and, in some states, gender.
• Whether the insurer offers a household or other discount.
• Health at enrollment, if you are applying outside your guaranteed-issue window.

Treat the tables as national reference points. Only a quote for your ZIP code shows what an insurer will charge you.

Plan N pays Part B coinsurance but leaves two small costs with you. Medicare.gov says you may owe a copayment of up to $20 for some office visits and up to $50 for an emergency room visit that does not lead to admission.

Plan N also does not pay the yearly Part B deductible, which is $283 in 2026. It does not cover prescription drugs, so most enrollees add a Part D plan, which MoneyGeek puts at $20 – $80/mo in most markets.

Plan N also does not cover Part B excess charges, which can apply when a provider does not accept Medicare assignment. Ask your doctors whether they accept assignment before you enroll.

• Which rating method does this insurer use, and how fast will the premium rise?
• Is the quote for my ZIP code, age and tobacco status?
• What happens to the rate at renewal?
• Do my doctors accept Medicare assignment?
• Is there a household discount?

For help comparing policies, contact your State Health Insurance Assistance Program (SHIP) or a licensed Medicare agent. This page covers costs only and does not recommend a plan.