Medicare Costs by State
A common myth is that Medicare costs more in some states than others. For the federal pieces that is simply not true — but one important cost does vary by where you live.
What is the same everywhere
The federal building blocks of Medicare are uniform nationwide. The standard 2026 Part B premium of $202.90, the $283 Part B deductible, and the $1,736 Part A hospital deductible are identical in Florida, Texas, and every other state. Whether you live in Miami or Phoenix, Original Medicare charges the same premiums, deductibles, and coinsurance. (Higher earners everywhere also pay the same IRMAA surcharges, which are based on income, not location.)
What actually varies: Medigap premiums
The cost that differs by state is the Medigap (Medicare Supplement) premium. Medigap benefits are standardized by the federal government — a Plan G covers the same gaps everywhere — but the price for that plan is set by insurers and approved at the state level. Local medical costs, competition, and how a state allows age-based rating all push the premium up or down. Medicare Advantage availability and networks also differ county by county.
Average Medigap premium across our states
| State | Avg. Medigap (Plan G) premium / month | % on Medicare Advantage |
|---|---|---|
| Florida | $175 | 54% |
| Texas | $165 | 47% |
| Arizona | $155 | 52% |
| Georgia | $160 | 44% |
| North Carolina | $155 | 41% |
| South Carolina | $150 | 39% |
These are approximate average monthly premiums for a comprehensive supplement; your actual quote depends on your age, ZIP code, and the insurer. The Medicare Advantage enrollment share is a useful signal of how competitive each local market is.
What this means for your decision
Because the federal costs are fixed, choosing where you live for Medicare reasons rarely makes sense. The actionable variable is which Medigap or Medicare Advantage plan offers the best value in your county. See the Medicare costs hub for every 2026 federal number and how to lower your costs for ways to save.
Explore your state in detail: Florida, Texas, Arizona, Georgia, North Carolina, South Carolina.
Frequently Asked Questions
Does the Medicare Part B premium change by state?
No. The standard Part B premium ($202.90 in 2026) and the federal Part A and Part B deductibles are set nationally and are identical in every state. Your state of residence does not change them.
What actually varies by state?
Medigap (Medicare Supplement) premiums vary by state, because insurers price them by location, age, and rating method. Medicare Advantage plan availability, networks, and extra benefits also differ by county.
Why are Medigap premiums different in each state?
Medigap benefits are standardized federally (a Plan G is a Plan G everywhere), but the premium for that plan is set by the insurer and approved at the state level, reflecting local medical costs, competition, and how the state allows insurers to rate by age.
Which states do you serve?
We currently help Medicare beneficiaries in Florida, Texas, Arizona, Georgia, North Carolina, and South Carolina, with licensed advisors who know each local market.
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Get My Free ReviewThis information is for educational purposes only and is not legal, tax, or insurance advice. Medicare rules, premiums, and income thresholds change annually — confirm current figures with Medicare.gov, the Social Security Administration, or a licensed advisor. HealthPlan Connect is not affiliated with or endorsed by the federal Medicare program or any government agency. Last reviewed 2026-06-11 by Lynsey Brennan, Licensed Medicare Advisor (FL #G007269).