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By YourBest Editorial Team · Updated October 23, 2026 · How we rank

July 2026 rates · Maryland official rate guide · Ranked by math

Cheapest Medigap Plan G and Plan N in Maryland

Plan G from one insurer covers exactly what Plan G from any other covers, so price is the main difference. We rank every insurer in Maryland’s official rate guide by its yearly premium at 65, and show how it prices increases as you age.

24insurers ranked

$2,124lowest yearly Plan G premium at 65

$1,344lowest yearly Plan N premium at 65

$2,604gap between the cheapest and priciest Plan G

What these rates are. Monthly premiums at ages 65, 70, 75, 80 and 85 by sex and rate class (for example preferred, standard, non-tobacco, tobacco). Rates marked * in the guide can’t be used for applications made during Medigap open enrollment or a guaranteed-issue period. One insurer (CareFirst MedPlus) prices two regions separately. Source: the Maryland Insurance Administration, as of July 1, 2026. Rates change during the year and your quote depends on your age, ZIP code, health and when you apply, so treat this as a shortlist and get quotes.

Rates for Where you live

Showing: Female · Baltimore Metro, D.C. Metro and Western Maryland.

Only some insurers price these areas differently; everyone else charges the same rate statewide.

Plan G, ranked

Plan G covers everything Medicare-approved except the Part B deductible. What each plan covers.

#	Insurer	Monthly at 65	Yearly at 65	Yearly at 75	Pricing
1	Monitor Life Insurance Company of New YorkRate class: Female Preferred	$177	$2,124	$2,568	Attained Age
2	Humana Benefit Plan of Illinois, Inc.Rate class: Female Preferred	$182	$2,184	$2,736	Attained Age
3	Medico Insurance CompanyRate class: Female Preferred	$187	$2,244	$2,412	Attained Age
4	First Health Life and Health Insurance CompanyRate class: Female Preferred	$192	$2,304	$3,120	Attained Age
5	Federal Life Insurance CompanyRate class: Female Non-Tobacco	$206	$2,472	$3,264	Attained Age
6	Erie Family Life Insurance CompanyRate class: Female Non-Tobacco	$208	$2,496	$3,300	Attained Age
7	EPIC Life Insurance Company (The)Rate class: Female	$212	$2,544	$3,552	Attained Age
8	Tier One Insurance CompanyRate class: Female Non-Tobacco	$213	$2,556	$3,276	Attained Age
9	Nassau Life Insurance Company of KansasRate class: Female Preferred	$213	$2,556	$3,336	Attained Age
10	LifeShield National Insurance CompanyRate class: Female Preferred	$215	$2,580	$3,276	Attained Age
11	USAA Life Insurance CompanyRate class: Unisex Non-Smoker	$215	$2,580	$3,444	Attained Age
12	HealthSpring National Health Insurance CompanyRate class: Female Preferred	$217	$2,604	$3,408	Attained Age
13	State Farm Mutual Automobile Insurance CompanyRate class: Female Non-Tobacco	$219	$2,628	$3,792	Attained Age
14	American Benefit Life Insurance CompanyRate class: Female Preferred	$220	$2,640	$3,300	Attained Age
15	Washington National Insurance CompanyRate class: Female Preferred	$226	$2,712	$4,488	Attained Age
16	First Care, Inc. (d.b.a. CareFirst MedPlus)Rate class: Female Level 1 without Household Discount Baltimore Metro, D.C. Metro & Western MD	$234	$2,808	$4,308	Attained Age
17	Insurance Company of North AmericaRate class: Female Preferred	$238	$2,856	$3,432	Attained Age
18	Mutual of Omaha Insurance CompanyRate class: Female Non-Tobacco	$242	$2,904	$3,852	Attained Age
19	United American Insurance CompanyRate class: Female Preferred	$245	$2,940	$4,776	Issue Age/Attained Age
20	Physicians Life Insurance CompanyRate class: Female Non-Tobacco	$246	$2,952	$3,696	Attained Age/Issue Age
21	Unified Life Insurance CompanyRate class: Female Preferred	$255	$3,060	$4,092	Attained Age
22	Guarantee Trust Life Insurance CompanyRate class: Female Preferred	$260	$3,120	$3,936	Attained Age
23	Aetna Health Insurance CompanyRate class: Female Preferred	$261	$3,132	$3,912	Attained Age
24	GPM Health and Life Insurance CompanyRate class: Female Non-Tobacco	$343	$4,116	$5,436	Attained Age

#	Insurer	Monthly at 65	Yearly at 65	Yearly at 75	Pricing
1	Monitor Life Insurance Company of New YorkRate class: Female Preferred	$177	$2,124	$2,568	Attained Age
2	Humana Benefit Plan of Illinois, Inc.Rate class: Female Preferred	$182	$2,184	$2,736	Attained Age
3	Medico Insurance CompanyRate class: Female Preferred	$187	$2,244	$2,412	Attained Age
4	First Health Life and Health Insurance CompanyRate class: Female Preferred	$192	$2,304	$3,120	Attained Age
5	Federal Life Insurance CompanyRate class: Female Non-Tobacco	$206	$2,472	$3,264	Attained Age
6	Erie Family Life Insurance CompanyRate class: Female Non-Tobacco	$208	$2,496	$3,300	Attained Age
7	EPIC Life Insurance Company (The)Rate class: Female	$212	$2,544	$3,552	Attained Age
8	Tier One Insurance CompanyRate class: Female Non-Tobacco	$213	$2,556	$3,276	Attained Age
9	Nassau Life Insurance Company of KansasRate class: Female Preferred	$213	$2,556	$3,336	Attained Age
10	LifeShield National Insurance CompanyRate class: Female Preferred	$215	$2,580	$3,276	Attained Age
11	USAA Life Insurance CompanyRate class: Unisex Non-Smoker	$215	$2,580	$3,444	Attained Age
12	HealthSpring National Health Insurance CompanyRate class: Female Preferred	$217	$2,604	$3,408	Attained Age
13	State Farm Mutual Automobile Insurance CompanyRate class: Female Non-Tobacco	$219	$2,628	$3,792	Attained Age
14	American Benefit Life Insurance CompanyRate class: Female Preferred	$220	$2,640	$3,300	Attained Age
15	Washington National Insurance CompanyRate class: Female Preferred	$226	$2,712	$4,488	Attained Age
16	First Care, Inc. (d.b.a. CareFirst MedPlus)Rate class: Female Level 1 without Household Discount Eastern & Southern MDHousehold discount available (see source)	$227	$2,724	$4,176	Attained Age
17	Insurance Company of North AmericaRate class: Female Preferred	$238	$2,856	$3,432	Attained Age
18	Mutual of Omaha Insurance CompanyRate class: Female Non-Tobacco	$242	$2,904	$3,852	Attained Age
19	United American Insurance CompanyRate class: Female Preferred	$245	$2,940	$4,776	Issue Age/Attained Age
20	Physicians Life Insurance CompanyRate class: Female Non-Tobacco	$246	$2,952	$3,696	Attained Age/Issue Age
21	Unified Life Insurance CompanyRate class: Female Preferred	$255	$3,060	$4,092	Attained Age
22	Guarantee Trust Life Insurance CompanyRate class: Female Preferred	$260	$3,120	$3,936	Attained Age
23	Aetna Health Insurance CompanyRate class: Female Preferred	$261	$3,132	$3,912	Attained Age
24	GPM Health and Life Insurance CompanyRate class: Female Non-Tobacco	$343	$4,116	$5,436	Attained Age

#	Insurer	Monthly at 65	Yearly at 65	Yearly at 75	Pricing
1	Monitor Life Insurance Company of New YorkRate class: Male Preferred	$203	$2,436	$2,952	Attained Age
2	Humana Benefit Plan of Illinois, Inc.Rate class: Male Preferred	$205	$2,460	$3,096	Attained Age
3	First Health Life and Health Insurance CompanyRate class: Male Preferred	$208	$2,496	$3,384	Attained Age
4	Medico Insurance CompanyRate class: Male Preferred	$215	$2,580	$2,772	Attained Age
5	USAA Life Insurance CompanyRate class: Unisex Non-Smoker	$215	$2,580	$3,444	Attained Age
6	State Farm Mutual Automobile Insurance CompanyRate class: Male Non-Tobacco	$224	$2,688	$4,296	Attained Age
7	Federal Life Insurance CompanyRate class: Male Non-Tobacco	$230	$2,760	$3,648	Attained Age
8	EPIC Life Insurance Company (The)Rate class: Male	$233	$2,796	$3,912	Attained Age
9	Erie Family Life Insurance CompanyRate class: Male Non-Tobacco	$240	$2,880	$3,792	Attained Age
10	HealthSpring National Health Insurance CompanyRate class: Male Preferred	$241	$2,892	$3,780	Attained Age
11	Tier One Insurance CompanyRate class: Male Non-Tobacco	$244	$2,928	$3,744	Attained Age
12	Nassau Life Insurance Company of KansasRate class: Male Preferred	$244	$2,928	$3,828	Attained Age
13	LifeShield National Insurance CompanyRate class: Male Preferred	$247	$2,964	$3,768	Attained Age
14	First Care, Inc. (d.b.a. CareFirst MedPlus)Rate class: Male Level 1 without Household Discount Baltimore Metro, D.C. Metro & Western MD	$249	$2,988	$4,584	Attained Age
15	Washington National Insurance CompanyRate class: Male Preferred	$251	$3,012	$4,980	Attained Age
16	American Benefit Life Insurance CompanyRate class: Male Preferred	$253	$3,036	$3,804	Attained Age
17	Insurance Company of North AmericaRate class: Male Preferred	$269	$3,228	$3,888	Attained Age
18	Physicians Life Insurance CompanyRate class: Male Non-Tobacco	$272	$3,264	$4,080	Attained Age/Issue Age
19	Mutual of Omaha Insurance CompanyRate class: Male Non-Tobacco	$278	$3,336	$4,428	Attained Age
20	United American Insurance CompanyRate class: Male Preferred	$281	$3,372	$5,496	Issue Age/Attained Age
21	Guarantee Trust Life Insurance CompanyRate class: Male Preferred	$291	$3,492	$4,416	Attained Age
22	Unified Life Insurance CompanyRate class: Male Preferred	$293	$3,516	$4,704	Attained Age
23	Aetna Health Insurance CompanyRate class: Male Preferred	$300	$3,600	$4,500	Attained Age
24	GPM Health and Life Insurance CompanyRate class: Male Non-Tobacco	$394	$4,728	$6,252	Attained Age

#	Insurer	Monthly at 65	Yearly at 65	Yearly at 75	Pricing
1	Monitor Life Insurance Company of New YorkRate class: Male Preferred	$203	$2,436	$2,952	Attained Age
2	Humana Benefit Plan of Illinois, Inc.Rate class: Male Preferred	$205	$2,460	$3,096	Attained Age
3	First Health Life and Health Insurance CompanyRate class: Male Preferred	$208	$2,496	$3,384	Attained Age
4	Medico Insurance CompanyRate class: Male Preferred	$215	$2,580	$2,772	Attained Age
5	USAA Life Insurance CompanyRate class: Unisex Non-Smoker	$215	$2,580	$3,444	Attained Age
6	State Farm Mutual Automobile Insurance CompanyRate class: Male Non-Tobacco	$224	$2,688	$4,296	Attained Age
7	Federal Life Insurance CompanyRate class: Male Non-Tobacco	$230	$2,760	$3,648	Attained Age
8	EPIC Life Insurance Company (The)Rate class: Male	$233	$2,796	$3,912	Attained Age
9	Erie Family Life Insurance CompanyRate class: Male Non-Tobacco	$240	$2,880	$3,792	Attained Age
10	HealthSpring National Health Insurance CompanyRate class: Male Preferred	$241	$2,892	$3,780	Attained Age
11	First Care, Inc. (d.b.a. CareFirst MedPlus)Rate class: Male Level 1 without Household Discount Eastern & Southern MDHousehold discount available (see source)	$242	$2,904	$4,452	Attained Age
12	Tier One Insurance CompanyRate class: Male Non-Tobacco	$244	$2,928	$3,744	Attained Age
13	Nassau Life Insurance Company of KansasRate class: Male Preferred	$244	$2,928	$3,828	Attained Age
14	LifeShield National Insurance CompanyRate class: Male Preferred	$247	$2,964	$3,768	Attained Age
15	Washington National Insurance CompanyRate class: Male Preferred	$251	$3,012	$4,980	Attained Age
16	American Benefit Life Insurance CompanyRate class: Male Preferred	$253	$3,036	$3,804	Attained Age
17	Insurance Company of North AmericaRate class: Male Preferred	$269	$3,228	$3,888	Attained Age
18	Physicians Life Insurance CompanyRate class: Male Non-Tobacco	$272	$3,264	$4,080	Attained Age/Issue Age
19	Mutual of Omaha Insurance CompanyRate class: Male Non-Tobacco	$278	$3,336	$4,428	Attained Age
20	United American Insurance CompanyRate class: Male Preferred	$281	$3,372	$5,496	Issue Age/Attained Age
21	Guarantee Trust Life Insurance CompanyRate class: Male Preferred	$291	$3,492	$4,416	Attained Age
22	Unified Life Insurance CompanyRate class: Male Preferred	$293	$3,516	$4,704	Attained Age
23	Aetna Health Insurance CompanyRate class: Male Preferred	$300	$3,600	$4,500	Attained Age
24	GPM Health and Life Insurance CompanyRate class: Male Non-Tobacco	$394	$4,728	$6,252	Attained Age

Plan N, ranked

Plan N costs less but you pay up to $20 for some office visits, up to $50 for an ER visit that doesn’t lead to admission, and any Part B excess charges. The last column compares each insurer’s Plan N with its own Plan G. Which one comes out ahead.

#	Insurer	Monthly at 65	Yearly at 65	Yearly at 75	Pricing	vs. same insurer’s Plan G
1	First Health Life and Health Insurance CompanyRate class: Female Preferred	$112	$1,344	$1,848	Attained Age	$960 a year less= 48 office visits at the $20 copay
2	Medico Insurance CompanyRate class: Female Preferred	$132	$1,584	$1,704	Attained Age	$660 a year less= 33 office visits at the $20 copay
3	Humana Benefit Plan of Illinois, Inc.Rate class: Female Preferred	$132	$1,584	$2,184	Attained Age	$600 a year less= 30 office visits at the $20 copay
4	Monitor Life Insurance Company of New YorkRate class: Female Preferred	$136	$1,632	$2,028	Attained Age	$492 a year less= 24 office visits at the $20 copay
5	Tier One Insurance CompanyRate class: Female Non-Tobacco	$141	$1,692	$2,316	Attained Age	$864 a year less= 43 office visits at the $20 copay
6	HealthSpring National Health Insurance CompanyRate class: Female Preferred	$144	$1,728	$2,352	Attained Age	$876 a year less= 43 office visits at the $20 copay
7	Washington National Insurance CompanyRate class: Female Preferred	$145	$1,740	$2,880	Attained Age	$972 a year less= 48 office visits at the $20 copay
8	Federal Life Insurance CompanyRate class: Female Non-Tobacco	$148	$1,776	$2,340	Attained Age	$696 a year less= 34 office visits at the $20 copay
9	Insurance Company of North AmericaRate class: Female Preferred	$154	$1,848	$2,232	Attained Age	$1,008 a year less= 50 office visits at the $20 copay
10	LifeShield National Insurance CompanyRate class: Female Preferred	$160	$1,920	$2,652	Attained Age	$660 a year less= 33 office visits at the $20 copay
11	American Benefit Life Insurance CompanyRate class: Female Preferred	$161	$1,932	$2,628	Attained Age	$708 a year less= 35 office visits at the $20 copay
12	Nassau Life Insurance Company of KansasRate class: Female Preferred	$162	$1,944	$2,556	Attained Age	$612 a year less= 30 office visits at the $20 copay
13	State Farm Mutual Automobile Insurance CompanyRate class: Female Non-Tobacco	$166	$1,992	$2,892	Attained Age	$636 a year less= 31 office visits at the $20 copay
14	Aetna Health Insurance CompanyRate class: Female Preferred	$169	$2,028	$2,664	Attained Age	$1,104 a year less= 55 office visits at the $20 copay
15	Mutual of Omaha Insurance CompanyRate class: Female Non-Tobacco	$171	$2,052	$2,712	Attained Age	$852 a year less= 42 office visits at the $20 copay
16	Erie Family Life Insurance CompanyRate class: Female Non-Tobacco	$176	$2,112	$2,796	Attained Age	$384 a year less= 19 office visits at the $20 copay
17	First Care, Inc. (d.b.a. CareFirst MedPlus)Rate class: Female Level 1 without Household Discount Baltimore Metro, D.C. Metro & Western MD	$176	$2,112	$3,228	Attained Age	$696 a year less= 34 office visits at the $20 copay
18	USAA Life Insurance CompanyRate class: Unisex Non-Smoker	$185	$2,220	$3,096	Attained Age	$360 a year less= 18 office visits at the $20 copay
19	EPIC Life Insurance Company (The)Rate class: Female	$190	$2,280	$3,180	Attained Age	$264 a year less= 13 office visits at the $20 copay
20	Unified Life Insurance CompanyRate class: Female Preferred	$205	$2,460	$3,288	Attained Age	$600 a year less= 30 office visits at the $20 copay
21	United American Insurance CompanyRate class: Female Preferred	$214	$2,568	$4,236	Issue Age/Attained Age	$372 a year less= 18 office visits at the $20 copay
22	Guarantee Trust Life Insurance CompanyRate class: Female Preferred	$217	$2,604	$3,300	Attained Age	$516 a year less= 25 office visits at the $20 copay
23	GPM Health and Life Insurance CompanyRate class: Female Non-Tobacco	$259	$3,108	$4,104	Attained Age	$1,008 a year less= 50 office visits at the $20 copay

#	Insurer	Monthly at 65	Yearly at 65	Yearly at 75	Pricing	vs. same insurer’s Plan G
1	First Health Life and Health Insurance CompanyRate class: Female Preferred	$112	$1,344	$1,848	Attained Age	$960 a year less= 48 office visits at the $20 copay
2	Medico Insurance CompanyRate class: Female Preferred	$132	$1,584	$1,704	Attained Age	$660 a year less= 33 office visits at the $20 copay
3	Humana Benefit Plan of Illinois, Inc.Rate class: Female Preferred	$132	$1,584	$2,184	Attained Age	$600 a year less= 30 office visits at the $20 copay
4	Monitor Life Insurance Company of New YorkRate class: Female Preferred	$136	$1,632	$2,028	Attained Age	$492 a year less= 24 office visits at the $20 copay
5	Tier One Insurance CompanyRate class: Female Non-Tobacco	$141	$1,692	$2,316	Attained Age	$864 a year less= 43 office visits at the $20 copay
6	HealthSpring National Health Insurance CompanyRate class: Female Preferred	$144	$1,728	$2,352	Attained Age	$876 a year less= 43 office visits at the $20 copay
7	Washington National Insurance CompanyRate class: Female Preferred	$145	$1,740	$2,880	Attained Age	$972 a year less= 48 office visits at the $20 copay
8	Federal Life Insurance CompanyRate class: Female Non-Tobacco	$148	$1,776	$2,340	Attained Age	$696 a year less= 34 office visits at the $20 copay
9	Insurance Company of North AmericaRate class: Female Preferred	$154	$1,848	$2,232	Attained Age	$1,008 a year less= 50 office visits at the $20 copay
10	LifeShield National Insurance CompanyRate class: Female Preferred	$160	$1,920	$2,652	Attained Age	$660 a year less= 33 office visits at the $20 copay
11	American Benefit Life Insurance CompanyRate class: Female Preferred	$161	$1,932	$2,628	Attained Age	$708 a year less= 35 office visits at the $20 copay
12	Nassau Life Insurance Company of KansasRate class: Female Preferred	$162	$1,944	$2,556	Attained Age	$612 a year less= 30 office visits at the $20 copay
13	State Farm Mutual Automobile Insurance CompanyRate class: Female Non-Tobacco	$166	$1,992	$2,892	Attained Age	$636 a year less= 31 office visits at the $20 copay
14	Aetna Health Insurance CompanyRate class: Female Preferred	$169	$2,028	$2,664	Attained Age	$1,104 a year less= 55 office visits at the $20 copay
15	First Care, Inc. (d.b.a. CareFirst MedPlus)Rate class: Female Level 1 without Household Discount Eastern & Southern MDHousehold discount available (see source)	$170	$2,040	$3,132	Attained Age	$684 a year less= 34 office visits at the $20 copay
16	Mutual of Omaha Insurance CompanyRate class: Female Non-Tobacco	$171	$2,052	$2,712	Attained Age	$852 a year less= 42 office visits at the $20 copay
17	Erie Family Life Insurance CompanyRate class: Female Non-Tobacco	$176	$2,112	$2,796	Attained Age	$384 a year less= 19 office visits at the $20 copay
18	USAA Life Insurance CompanyRate class: Unisex Non-Smoker	$185	$2,220	$3,096	Attained Age	$360 a year less= 18 office visits at the $20 copay
19	EPIC Life Insurance Company (The)Rate class: Female	$190	$2,280	$3,180	Attained Age	$264 a year less= 13 office visits at the $20 copay
20	Unified Life Insurance CompanyRate class: Female Preferred	$205	$2,460	$3,288	Attained Age	$600 a year less= 30 office visits at the $20 copay
21	United American Insurance CompanyRate class: Female Preferred	$214	$2,568	$4,236	Issue Age/Attained Age	$372 a year less= 18 office visits at the $20 copay
22	Guarantee Trust Life Insurance CompanyRate class: Female Preferred	$217	$2,604	$3,300	Attained Age	$516 a year less= 25 office visits at the $20 copay
23	GPM Health and Life Insurance CompanyRate class: Female Non-Tobacco	$259	$3,108	$4,104	Attained Age	$1,008 a year less= 50 office visits at the $20 copay

#	Insurer	Monthly at 65	Yearly at 65	Yearly at 75	Pricing	vs. same insurer’s Plan G
1	First Health Life and Health Insurance CompanyRate class: Male Preferred	$121	$1,452	$1,992	Attained Age	$1,044 a year less= 52 office visits at the $20 copay
2	Humana Benefit Plan of Illinois, Inc.Rate class: Male Preferred	$149	$1,788	$2,460	Attained Age	$672 a year less= 33 office visits at the $20 copay
3	Medico Insurance CompanyRate class: Male Preferred	$152	$1,824	$1,956	Attained Age	$756 a year less= 37 office visits at the $20 copay
4	Monitor Life Insurance Company of New YorkRate class: Male Preferred	$156	$1,872	$2,328	Attained Age	$564 a year less= 28 office visits at the $20 copay
5	HealthSpring National Health Insurance CompanyRate class: Male Preferred	$160	$1,920	$2,604	Attained Age	$972 a year less= 48 office visits at the $20 copay
6	Washington National Insurance CompanyRate class: Male Preferred	$161	$1,932	$3,204	Attained Age	$1,080 a year less= 54 office visits at the $20 copay
7	Tier One Insurance CompanyRate class: Male Non-Tobacco	$162	$1,944	$2,652	Attained Age	$984 a year less= 49 office visits at the $20 copay
8	Federal Life Insurance CompanyRate class: Male Non-Tobacco	$166	$1,992	$2,616	Attained Age	$768 a year less= 38 office visits at the $20 copay
9	State Farm Mutual Automobile Insurance CompanyRate class: Male Non-Tobacco	$173	$2,076	$3,300	Attained Age	$612 a year less= 30 office visits at the $20 copay
10	Insurance Company of North AmericaRate class: Male Preferred	$174	$2,088	$2,520	Attained Age	$1,140 a year less= 57 office visits at the $20 copay
11	LifeShield National Insurance CompanyRate class: Male Preferred	$184	$2,208	$3,048	Attained Age	$756 a year less= 37 office visits at the $20 copay
12	American Benefit Life Insurance CompanyRate class: Male Preferred	$185	$2,220	$3,024	Attained Age	$816 a year less= 40 office visits at the $20 copay
13	USAA Life Insurance CompanyRate class: Unisex Non-Smoker	$185	$2,220	$3,096	Attained Age	$360 a year less= 18 office visits at the $20 copay
14	Nassau Life Insurance Company of KansasRate class: Male Preferred	$186	$2,232	$2,928	Attained Age	$696 a year less= 34 office visits at the $20 copay
15	First Care, Inc. (d.b.a. CareFirst MedPlus)Rate class: Male Level 1 without Household Discount Baltimore Metro, D.C. Metro & Western MD	$187	$2,244	$3,444	Attained Age	$744 a year less= 37 office visits at the $20 copay
16	Aetna Health Insurance CompanyRate class: Male Preferred	$194	$2,328	$3,072	Attained Age	$1,272 a year less= 63 office visits at the $20 copay
17	Mutual of Omaha Insurance CompanyRate class: Male Non-Tobacco	$197	$2,364	$3,108	Attained Age	$972 a year less= 48 office visits at the $20 copay
18	Erie Family Life Insurance CompanyRate class: Male Non-Tobacco	$203	$2,436	$3,216	Attained Age	$444 a year less= 22 office visits at the $20 copay
19	EPIC Life Insurance Company (The)Rate class: Male	$209	$2,508	$3,504	Attained Age	$288 a year less= 14 office visits at the $20 copay
20	Unified Life Insurance CompanyRate class: Male Preferred	$235	$2,820	$3,780	Attained Age	$696 a year less= 34 office visits at the $20 copay
21	Guarantee Trust Life Insurance CompanyRate class: Male Preferred	$244	$2,928	$3,684	Attained Age	$564 a year less= 28 office visits at the $20 copay
22	United American Insurance CompanyRate class: Male Preferred	$246	$2,952	$4,872	Issue Age/Attained Age	$420 a year less= 21 office visits at the $20 copay
23	GPM Health and Life Insurance CompanyRate class: Male Non-Tobacco	$297	$3,564	$4,716	Attained Age	$1,164 a year less= 58 office visits at the $20 copay

#	Insurer	Monthly at 65	Yearly at 65	Yearly at 75	Pricing	vs. same insurer’s Plan G
1	First Health Life and Health Insurance CompanyRate class: Male Preferred	$121	$1,452	$1,992	Attained Age	$1,044 a year less= 52 office visits at the $20 copay
2	Humana Benefit Plan of Illinois, Inc.Rate class: Male Preferred	$149	$1,788	$2,460	Attained Age	$672 a year less= 33 office visits at the $20 copay
3	Medico Insurance CompanyRate class: Male Preferred	$152	$1,824	$1,956	Attained Age	$756 a year less= 37 office visits at the $20 copay
4	Monitor Life Insurance Company of New YorkRate class: Male Preferred	$156	$1,872	$2,328	Attained Age	$564 a year less= 28 office visits at the $20 copay
5	HealthSpring National Health Insurance CompanyRate class: Male Preferred	$160	$1,920	$2,604	Attained Age	$972 a year less= 48 office visits at the $20 copay
6	Washington National Insurance CompanyRate class: Male Preferred	$161	$1,932	$3,204	Attained Age	$1,080 a year less= 54 office visits at the $20 copay
7	Tier One Insurance CompanyRate class: Male Non-Tobacco	$162	$1,944	$2,652	Attained Age	$984 a year less= 49 office visits at the $20 copay
8	Federal Life Insurance CompanyRate class: Male Non-Tobacco	$166	$1,992	$2,616	Attained Age	$768 a year less= 38 office visits at the $20 copay
9	State Farm Mutual Automobile Insurance CompanyRate class: Male Non-Tobacco	$173	$2,076	$3,300	Attained Age	$612 a year less= 30 office visits at the $20 copay
10	Insurance Company of North AmericaRate class: Male Preferred	$174	$2,088	$2,520	Attained Age	$1,140 a year less= 57 office visits at the $20 copay
11	First Care, Inc. (d.b.a. CareFirst MedPlus)Rate class: Male Level 1 without Household Discount Eastern & Southern MDHousehold discount available (see source)	$181	$2,172	$3,336	Attained Age	$732 a year less= 36 office visits at the $20 copay
12	LifeShield National Insurance CompanyRate class: Male Preferred	$184	$2,208	$3,048	Attained Age	$756 a year less= 37 office visits at the $20 copay
13	American Benefit Life Insurance CompanyRate class: Male Preferred	$185	$2,220	$3,024	Attained Age	$816 a year less= 40 office visits at the $20 copay
14	USAA Life Insurance CompanyRate class: Unisex Non-Smoker	$185	$2,220	$3,096	Attained Age	$360 a year less= 18 office visits at the $20 copay
15	Nassau Life Insurance Company of KansasRate class: Male Preferred	$186	$2,232	$2,928	Attained Age	$696 a year less= 34 office visits at the $20 copay
16	Aetna Health Insurance CompanyRate class: Male Preferred	$194	$2,328	$3,072	Attained Age	$1,272 a year less= 63 office visits at the $20 copay
17	Mutual of Omaha Insurance CompanyRate class: Male Non-Tobacco	$197	$2,364	$3,108	Attained Age	$972 a year less= 48 office visits at the $20 copay
18	Erie Family Life Insurance CompanyRate class: Male Non-Tobacco	$203	$2,436	$3,216	Attained Age	$444 a year less= 22 office visits at the $20 copay
19	EPIC Life Insurance Company (The)Rate class: Male	$209	$2,508	$3,504	Attained Age	$288 a year less= 14 office visits at the $20 copay
20	Unified Life Insurance CompanyRate class: Male Preferred	$235	$2,820	$3,780	Attained Age	$696 a year less= 34 office visits at the $20 copay
21	Guarantee Trust Life Insurance CompanyRate class: Male Preferred	$244	$2,928	$3,684	Attained Age	$564 a year less= 28 office visits at the $20 copay
22	United American Insurance CompanyRate class: Male Preferred	$246	$2,952	$4,872	Issue Age/Attained Age	$420 a year less= 21 office visits at the $20 copay
23	GPM Health and Life Insurance CompanyRate class: Male Non-Tobacco	$297	$3,564	$4,716	Attained Age	$1,164 a year less= 58 office visits at the $20 copay

High-deductible Plan G

Same benefits as Plan G after you pay a yearly deductible ($2,950 in 2026), so it isn’t ranked against standard plans. A low premium here means you carry more of the risk yourself.

#	Insurer	Monthly at 65	Yearly at 65	Yearly at 75	Pricing
1	Aetna Health Insurance CompanyRate class: Female Preferred	$47	$564	$696	Attained Age
2	Mutual of Omaha Insurance CompanyRate class: Female Non-Tobacco	$53	$636	$840	Attained Age
3	Washington National Insurance CompanyRate class: Female Preferred	$53	$636	$924	Attained Age
4	Humana Benefit Plan of Illinois, Inc.Rate class: Female Preferred	$55	$660	$828	Attained Age
5	Medico Insurance CompanyRate class: Female Preferred	$64	$768	$828	Attained Age
6	United American Insurance CompanyRate class: Female Preferred	$64	$768	$1,260	Issue Age/Attained Age
7	Monitor Life Insurance Company of New YorkRate class: Female Preferred	$65	$780	$936	Attained Age
8	First Care, Inc. (d.b.a. CareFirst MedPlus)Rate class: Female Level 1 without Household Discount Baltimore Metro, D.C. Metro & Western MD	$68	$816	$1,248	Attained Age
9	Insurance Company of North AmericaRate class: Female Preferred	$69	$828	$996	Attained Age
10	Physicians Life Insurance CompanyRate class: Female Non-Tobacco	$88	$1,056	$1,440	Attained Age/Issue Age

#	Insurer	Monthly at 65	Yearly at 65	Yearly at 75	Pricing
1	Aetna Health Insurance CompanyRate class: Female Preferred	$47	$564	$696	Attained Age
2	Mutual of Omaha Insurance CompanyRate class: Female Non-Tobacco	$53	$636	$840	Attained Age
3	Washington National Insurance CompanyRate class: Female Preferred	$53	$636	$924	Attained Age
4	Humana Benefit Plan of Illinois, Inc.Rate class: Female Preferred	$55	$660	$828	Attained Age
5	Medico Insurance CompanyRate class: Female Preferred	$64	$768	$828	Attained Age
6	United American Insurance CompanyRate class: Female Preferred	$64	$768	$1,260	Issue Age/Attained Age
7	Monitor Life Insurance Company of New YorkRate class: Female Preferred	$65	$780	$936	Attained Age
8	First Care, Inc. (d.b.a. CareFirst MedPlus)Rate class: Female Level 1 without Household Discount Eastern & Southern MDHousehold discount available (see source)	$66	$792	$1,212	Attained Age
9	Insurance Company of North AmericaRate class: Female Preferred	$69	$828	$996	Attained Age
10	Physicians Life Insurance CompanyRate class: Female Non-Tobacco	$88	$1,056	$1,440	Attained Age/Issue Age

#	Insurer	Monthly at 65	Yearly at 65	Yearly at 75	Pricing
1	Aetna Health Insurance CompanyRate class: Male Preferred	$54	$648	$804	Attained Age
2	Washington National Insurance CompanyRate class: Male Preferred	$58	$696	$1,020	Attained Age
3	Mutual of Omaha Insurance CompanyRate class: Male Non-Tobacco	$61	$732	$960	Attained Age
4	Humana Benefit Plan of Illinois, Inc.Rate class: Male Preferred	$62	$744	$936	Attained Age
5	First Care, Inc. (d.b.a. CareFirst MedPlus)Rate class: Male Level 1 without Household Discount Baltimore Metro, D.C. Metro & Western MD	$72	$864	$1,332	Attained Age
6	United American Insurance CompanyRate class: Male Preferred	$73	$876	$1,440	Issue Age/Attained Age
7	Medico Insurance CompanyRate class: Male Preferred	$74	$888	$960	Attained Age
8	Monitor Life Insurance Company of New YorkRate class: Male Preferred	$74	$888	$1,068	Attained Age
9	Insurance Company of North AmericaRate class: Male Preferred	$78	$936	$1,128	Attained Age
10	Physicians Life Insurance CompanyRate class: Male Non-Tobacco	$97	$1,164	$1,596	Attained Age/Issue Age

#	Insurer	Monthly at 65	Yearly at 65	Yearly at 75	Pricing
1	Aetna Health Insurance CompanyRate class: Male Preferred	$54	$648	$804	Attained Age
2	Washington National Insurance CompanyRate class: Male Preferred	$58	$696	$1,020	Attained Age
3	Mutual of Omaha Insurance CompanyRate class: Male Non-Tobacco	$61	$732	$960	Attained Age
4	Humana Benefit Plan of Illinois, Inc.Rate class: Male Preferred	$62	$744	$936	Attained Age
5	First Care, Inc. (d.b.a. CareFirst MedPlus)Rate class: Male Level 1 without Household Discount Eastern & Southern MDHousehold discount available (see source)	$70	$840	$1,284	Attained Age
6	United American Insurance CompanyRate class: Male Preferred	$73	$876	$1,440	Issue Age/Attained Age
7	Medico Insurance CompanyRate class: Male Preferred	$74	$888	$960	Attained Age
8	Monitor Life Insurance Company of New YorkRate class: Male Preferred	$74	$888	$1,068	Attained Age
9	Insurance Company of North AmericaRate class: Male Preferred	$78	$936	$1,128	Attained Age
10	Physicians Life Insurance CompanyRate class: Male Non-Tobacco	$97	$1,164	$1,596	Attained Age/Issue Age

Plans with membership or eligibility limits

These plans appear in the Maryland guide but aren’t open to every resident (for example, AARP plans require AARP membership) or are Medicare SELECT plans with a provider network, so we list them as published instead of ranking them.

Insurer	Plan	Premiums as published	Why not ranked
Everence Association, Inc.Rate class: Male Non-Tobacco	G	age 65: $269 · age 70: $291 · age 75: $310Monthly premium	Members Only
Everence Association, Inc.Rate class: Male Non-Tobacco	N	age 65: $179 · age 70: $215 · age 75: $243Monthly premium	Members Only
Everence Association, Inc.Rate class: Female Non-Tobacco	G	age 65: $244 · age 70: $264 · age 75: $282Monthly premium	Members Only
Everence Association, Inc.Rate class: Female Non-Tobacco	N	age 65: $163 · age 70: $195 · age 75: $221Monthly premium	Members Only
UnitedHealthcare Insurance CompanyRate class: Male Non-Tobacco	G	Base Rate: $423 · Tier I Rate: $465Monthly premium; the guide notes an early-enrollment discount off the base rate	AARP Members Only
UnitedHealthcare Insurance CompanyRate class: Female Non-Tobacco	G	Base Rate: $375 · Tier I Rate: $412Monthly premium; the guide notes an early-enrollment discount off the base rate	AARP Members Only
UnitedHealthcare Insurance CompanyRate class: Male Non-Tobacco	N	Base Rate: $352 · Tier I Rate: $387Monthly premium; the guide notes an early-enrollment discount off the base rate	AARP Members Only
UnitedHealthcare Insurance CompanyRate class: Female Non-Tobacco	N	Base Rate: $312 · Tier I Rate: $343Monthly premium; the guide notes an early-enrollment discount off the base rate	AARP Members Only

How we rank

We take each insurer’s premium for Plan G and Plan N at 65 straight from Maryland’s official guide and multiply monthly premiums by 12 to get the yearly cost. Each insurer appears once, at its best published rate class that isn’t a tobacco rate. Lower ranks higher; ties go to the lower premium at 75 where the guide shows it, then the insurer’s name. We don’t estimate, round or adjust any premium. Full methodology.

The cheapest policy at 65 isn’t always the cheapest later. An attained-age policy goes up as you get older, an issue-age policy is priced on your age when you buy, and a community-rated policy charges everyone the same. How the three methods compare.

Before you buy: get a written quote from the insurer, ask how its rates have risen, and check Medicare.gov’s Medigap policy search. Your State Health Insurance Assistance Program gives free, unbiased help. Buying during your Medigap Open Enrollment Period means insurers can’t turn you down or charge more for health problems.

Questions

What is the cheapest Medigap Plan G in Maryland?

In the rate guide from the Maryland Insurance Administration (as of July 1, 2026), the lowest Plan G premium at 65 from an insurer open to all applicants is: Female · Baltimore Metro, D.C. Metro and Western Maryland: Monitor Life Insurance Company of New York, $2,124 a year ($177 a month); Female · Eastern and Southern Maryland: Monitor Life Insurance Company of New York, $2,124 a year ($177 a month); Male · Baltimore Metro, D.C. Metro and Western Maryland: Monitor Life Insurance Company of New York, $2,436 a year ($203 a month); Male · Eastern and Southern Maryland: Monitor Life Insurance Company of New York, $2,436 a year ($203 a month). Your own quote depends on your age, ZIP code, health and the date you apply.

What is the cheapest Medigap Plan N in Maryland?

Female · Baltimore Metro, D.C. Metro and Western Maryland: First Health Life and Health Insurance Company, $1,344 a year ($112 a month); Female · Eastern and Southern Maryland: First Health Life and Health Insurance Company, $1,344 a year ($112 a month); Male · Baltimore Metro, D.C. Metro and Western Maryland: First Health Life and Health Insurance Company, $1,452 a year ($121 a month); Male · Eastern and Southern Maryland: First Health Life and Health Insurance Company, $1,452 a year ($121 a month). Plan N has copays of up to $20 for some office visits and up to $50 for emergency room visits and doesn’t cover Part B excess charges, which is why it usually costs less than Plan G.

How much do Plan G premiums vary between insurers in Maryland?

Plan G benefits are the same from every insurer, but in this guide the yearly premium at 65 runs from $2,124 to $4,728. Insurers also price future increases differently (attained-age, issue-age or community-rated), so compare the older-age premiums too where they’re shown.

Where do these Maryland Medigap rates come from?

From the Maryland Insurance Administration: “Monthly Premiums for Medicare Supplement Insurance Policies” (as of July 1, 2026). We copy the premiums exactly as published and rank them; we don’t estimate or adjust them. Monthly premiums at ages 65, 70, 75, 80 and 85 by sex and rate class (for example preferred, standard, non-tobacco, tobacco). Rates marked * in the guide can’t be used for applications made during Medigap open enrollment or a guaranteed-issue period. One insurer (CareFirst MedPlus) prices two regions separately.

Sources

Rates exactly as published by the state (as of July 1, 2026).

Maryland Insurance Administration, “Monthly Premiums for Medicare Supplement Insurance Policies” (as of July 1, 2026) — insurance.maryland.gov.
CMS and NAIC, “Choosing a Medigap Policy” (CMS Product No. 02110, March 2026) — medicare.gov.
Medicare.gov, “Compare Medigap plan benefits” (2026 high-deductible amount) — medicare.gov.

Educational information, not a recommendation to buy any policy. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Insurers don’t pay to be listed or ranked. · Advertiser disclosure

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