Medigap household discounts and other ways to lower your premium

Medigap benefits are standardized, so price is where you can save. A few simple choices can cut premiums meaningfully.

Household discounts

Many insurers offer a discount, often 5% to 12%, if you live with a spouse or another adult (sometimes any adult 50+ or 60+), even if only one of you buys the policy. Rules differ by insurer and state.

Payment method

Paying annually or by automatic bank draft sometimes reduces the premium or avoids billing fees.

Plan choice

• Plan N is often noticeably cheaper than Plan G; see the break-even maths.
• High-deductible Plan G can cost a fraction of standard G.

Rating method

In states that allow attained-age pricing, the cheapest policy at 65 can become the most expensive at 80; see pricing methods explained.

Shop periodically

In Washington, you can switch insurers within your plan group without health questions. In other states, shopping requires underwriting, but healthy people can still save by comparing every couple of years.

Use free help

State Health Insurance Assistance Programs give free, unbiased advice. Independent agents compare insurers at no extra cost because premiums are the same whether you buy direct or through an agent.

Questions people ask

What is a Medigap household discount?

A percentage off the premium if you live with another eligible adult, depending on the insurer.

Is Plan N always cheaper than Plan G?

Usually in premium, though total cost depends on how often you use care.

Does buying through an agent cost more?

No. Prices are the same.

How often should I compare Medigap prices?

Every year or two, or when you get a large increase notice.

Independent educational site. Not affiliated with or endorsed by the U.S. government, the federal Medicare program, or any insurance company. Figures are 2026 amounts published by CMS unless noted; check Medicare.gov for your situation.