Medicare Supplement Plans North Carolina 2027: What 55 Plan G Prices Tell You
Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 29, 2026
Medicare Supplement plans in North Carolina for a 65-year-old man start around $111 a month for Plan G and run past $266 a month for the same coverage, based on the NC Department of Insurance premium database in October 2026. North Carolina has no birthday rule, and nearly every NC plan raises its price as you age, so the company you pick at 65 matters for years.
2027 by the Numbers
55
Plan G prices listed for a man, 65, non-tobacco (NC Department of Insurance database, Oct. 2026)
$1,863
yearly gap between the lowest and highest Plan G price for identical coverage (our math)
$139.88
middle (median) Plan G monthly price of the 55 listed (our math)
463,867
North Carolinians with Medigap coverage as of 2023 (AHIP analysis)
North Carolina is one of the few states that publishes every Medicare Supplement company’s price in a public database. Its Department of Insurance and its SHIIP counseling program let anyone look up monthly premiums by plan letter, age, sex and tobacco use. We pulled the Plan G list for a 65-year-old non-smoking man in October 2026 and did the math so you do not have to.
The short version: identical Plan G coverage can cost more than twice as much depending on the company, and in North Carolina the starting price is only half the story. If you are new to the plan letters, our Medicare Supplement plans 2027 guide explains each one.
Compare 2027 North Carolina Plan G Rates
Our Math on North Carolina's Plan G Price List
The NC database showed 55 Plan G prices for a man age 65 who does not use tobacco. Every one of them pays the same benefits, because Plan G is standardized by federal law. Here is how the prices spread out.
| What we measured | Result |
|---|---|
| Lowest monthly Plan G price | $111.21 |
| Highest monthly Plan G price | $266.42 |
| Middle (median) price | $139.88 |
| Prices under $130 a month | 23 of 55 |
| Prices at $200 a month or more | 6 of 55 |
| Yearly gap, lowest vs. highest | $1,862.52 |
Source: NC Department of Insurance Medicare Supplement Premium Comparison Database, Plan G, man 65, non-tobacco, viewed October 2026. Some companies list more than one policy. Rates may not include discounts, and your ZIP code can change the price.
Nearly half of the listed prices sit under $130, so paying $200 or more for a new Plan G at 65 usually means you did not compare. Women, smokers and older applicants will see different numbers.
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The Catch: Most NC Plans Raise Prices as You Age
The database sorts plans by how they are priced. Of the 55 Plan G prices we counted, 51 were attained-age policies, 2 were issue-age and 2 had no age rating. North Carolina lets each company choose its method, and nearly all choose attained age.
Attained age. The price is based on your current age, so it goes up as you get older, on top of any yearly rate increases.
Issue age. The price is based on your age when you bought the policy. It still rises with inflation, but not because you had a birthday.
No age rating. Everyone pays the same price regardless of age, so it often looks expensive at 65 and cheaper later.
Broker tip: Because North Carolina has no birthday rule, a low attained-age price at 65 is worth checking for its rate history. Once you have health problems, moving to another company can mean answering health questions.
What Commissionable NC Companies Charged for Plan G
Several large brands file in North Carolina under more than one company name. This table shows the lowest Plan G price we found for each brand in the state database.
| Brand | Company name in the NC database | Monthly Plan G, man 65 |
|---|---|---|
| Aetna | Aetna Health Insurance Company | $111.21 |
| Blue Cross NC | Blue Cross Blue Shield of North Carolina | $117.50 |
| Mutual of Omaha | Omaha Insurance Company | $126.39 |
| Humana | Humana Benefit Plan of Illinois | $129.06 |
| Cigna | CIGNA National Health Insurance Company | $140.11 |
| Medico | Medico Corp Life Insurance Company | $158.43 |
NC Department of Insurance database, October 2026, non-tobacco. Other policies from the same brands were listed at higher prices. Rates shown may not include household discounts.
The same brand can have a cheap policy and an expensive one side by side, so ask which company name is on the quote. Our best Medicare Supplement plans 2027 guide covers what else to weigh besides price.
No Birthday Rule in North Carolina: When You Can Switch
North Carolina does not have a yearly birthday or anniversary rule. That makes your first window the one to get right.
Your one-time open enrollment. Six months that start the first month you are 65 or older and enrolled in Part B. No company can turn you down or charge more for your health.
Federal guaranteed issue events. Losing employer coverage, a plan leaving your area or leaving Medicare Advantage during a trial period can give you a short window.
Every other time. You can apply whenever you want, but the company can review your health and decline you.
Waiting periods: Even during open enrollment, a NC Medigap policy can make you wait up to six months for a pre-existing condition, unless you had prior creditable coverage.
Under 65 on Medicare in North Carolina: Plans A, D and G
Federal law does not guarantee Medigap to people under 65, but North Carolina law does. Under G.S. 58-54-45, effective January 1, 2020, people under 65 who qualify for Medicare can buy Plan A, D or G.
Plan A for everyone. Every company must offer at least Plan A to people under 65 on Medicare.
D and G if sold at 65. A company that sells Plan D or Plan G to people 65 and older must offer it to eligible people under 65 too.
Higher prices are allowed. The NC Department of Insurance warns that premiums may be higher for people on Medicare due to disability.
A second chance at 65. When you turn 65 you get a new six-month open enrollment and can buy any plan at regular age-65 prices.
2027 Medicare Costs a North Carolina Plan G Covers
Here is what a Plan G policyholder in Raleigh, Charlotte or Asheville can expect Medicare to charge in 2027, and who pays it. Some figures are projections until CMS publishes final numbers, usually in November.
| 2027 cost | Amount | With Plan G |
|---|---|---|
| Part A hospital deductible | $1,788 per benefit period (projected) | Plan pays |
| Part B deductible | $292 a year (projected) | You pay |
| Part B 20% coinsurance | No yearly cap in Original Medicare | Plan pays |
| Part B excess charges | Up to 15% over Medicare’s rate | Plan pays |
| High-deductible Plan G deductible | $3,050 | You pay first |
2027 Part A and B amounts are Medicare Trustees projections.
See how Plan G stacks up against every other letter on our comparison chart 2027, or read more about Medicare Supplement Plan G 2027.
Bottom Line
North Carolina gives you an unusual advantage: a public list of every company’s price. Use it at 65, favor a company with a steady rate history, and remember there is no birthday rule to fix a poor choice later.
Check 2027 Medicare Supplement prices for your NC ZIP code
North Carolina Medicare Supplement Plans — Frequently Asked Questions
➤ How much is Medicare Supplement Plan G in NC for a 65-year-old?
In the NC Department of Insurance database we viewed in October 2026, Plan G for a non-smoking man age 65 ranged from $111.21 to $266.42 a month. The middle price was $139.88. Your price depends on your ZIP code, sex and tobacco use.
➤ Can I look up North Carolina Medigap prices myself?
Yes. The NC Department of Insurance runs a Medicare Supplement premium comparison database where you choose a plan letter, age, sex and tobacco use. It notes that the rates may not include discounts.
➤ Does North Carolina have a Medigap birthday rule?
No. North Carolina does not give a yearly birthday or anniversary window. Outside your first open enrollment and federal guaranteed issue events, companies can ask health questions.
➤ Why does my North Carolina Medigap premium go up every year?
Most NC policies are attained-age rated, so the price rises as you get older. Companies can also raise rates for everyone because of rising medical costs.
➤ Can I get Plan G in NC if I am under 65 and on disability?
Yes, if the company sells Plan G to people 65 and older. North Carolina law lets people under 65 on Medicare buy Plan A, D or G, though the price is often higher.
➤ Is Blue Cross Blue Shield of North Carolina a Medicare Supplement option?
Yes. Blue Cross Blue Shield of North Carolina lists Medicare Supplement policies in the state database, including a Plan G at $117.50 a month for a 65-year-old man in October 2026.
➤ Who offers free Medicare help in North Carolina?
SHIIP, the Seniors’ Health Insurance Information Program of the NC Department of Insurance, offers free, unbiased counseling. A licensed agent can also compare several companies at no cost.
➤ Will NC Medigap prices change in 2027?
Likely. Companies file rate changes during the year, and higher 2027 Medicare deductibles can push plan costs up. Check current prices before you buy.
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Compare 2027 Plan G, Plan N and more from several insurance companies in one call.
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