Current 2026 rate examples suggest an average of about $121 per month for a 65-year-old male nonsmoker who qualifies for a household discount. Those examples include Bucks County and nearby southeastern Pennsylvania counties.
Many competitive premiums fall between about $95 and $120 per month. Meanwhile, other carrier rates can reach $130, $150 or more than $200 per month.
Consequently, an average does not tell you which price is available to you. It simply gives you a reasonable planning figure before you compare personal quotes.
For many new enrollees, a monthly budget of about $105 to $130 offers a useful starting point. Still, your final rate will depend on your personal information and the companies available in your ZIP code.
Plan N rates can vary widely even when every applicant uses the same basic assumptions. For example, published 2026 premiums for a 65-year-old male nonsmoker with an applicable household discount ranged from about $95 to $221 per month.
The middle rate in that group was about $111 per month. In addition, the average was approximately $121 per month.
These figures show why a single company quote can be misleading. One carrier may charge nearly twice as much as another carrier for the same standardized Plan N benefits.
However, these examples are not guaranteed quotes. Your rate can change based on your age, gender, tobacco status, location and discount eligibility.
Insurance companies use several factors when setting a Medicare Supplement premium. As a result, two Bucks County residents may receive different Plan N prices.
Common pricing factors include:
Medicare also explains that companies may use different pricing methods and offer different discounts. Therefore, the lowest rate for one person may not be the lowest rate for someone else.
Age often plays an important role in your premium. Many Pennsylvania Medicare Supplement policies use attained-age pricing.
With attained-age pricing, your premium can increase as you get older. The company can also request a general rate increase for the entire policy group.
Therefore, someone enrolling at age 65 may pay less than someone applying at age 70 or 75. Even so, age is only one part of the calculation.
Your ZIP code, discount eligibility and insurance company can also affect the final price. That is why an age-based estimate should never replace an actual quote.
Plan N helps pay many costs that Original Medicare leaves behind. Medicare standardizes these benefits, so every company must provide the same basic Plan N medical coverage.
Plan N generally helps pay for:
However, Plan N does not pay the annual Medicare Part B deductible. It can also require a copayment of up to $20 for some office visits.
In addition, an emergency room visit can require a copayment of up to $50 when it does not result in an inpatient admission. Therefore, your total Plan N cost includes more than the monthly premium.
Plan N does not cover Medicare Part B excess charges. However, Pennsylvania law prohibits healthcare practitioners from billing Medicare beneficiaries above the Medicare-approved amount for Medicare-covered services received in Pennsylvania.
This protection generally makes excess charges less of a concern for Bucks County residents receiving medical care within Pennsylvania. Plan N's office-visit and emergency-room copays can still apply.
Pennsylvania's protection does not necessarily follow you when you travel. If you receive care in another state where excess charges are permitted, a non-participating provider may be allowed to bill an excess charge. Plan N would not pay that amount.
Bucks County residents who regularly receive medical care outside Pennsylvania should consider the provider's Medicare assignment status when comparing Plan N with Plan G.
Plan N usually has a lower monthly premium than Plan G. In exchange, Plan N includes possible office visit and emergency room copays.
Plan G offers broader coverage after you pay the annual Part B deductible. For that reason, some people prefer Plan G's more predictable medical expenses.
Other beneficiaries would rather save money on premiums. They may accept Plan N's possible copays in return for the lower monthly rate.
To compare the plans fairly, estimate the annual premium difference. Then consider how often you visit doctors and how much you value predictable expenses.
For example, saving $35 per month equals $420 per year. That savings may outweigh the copays for someone who uses limited outpatient care.
Not sure whether Plan N or Plan G makes more sense for you? Call 215-967-8828 and I can compare current Plan N and Plan G rates for your Bucks County ZIP code. There is no additional fee to use our services.
Several insurance companies may offer Plan N in Bucks County. Available choices can include Chubb through Insurance Company of North America, Mutual of Omaha, Aetna, UnitedHealthcare through AARP, Highmark, Humana and other carriers.
However, company availability and premiums can change. Furthermore, the carrier with the lowest rate today may differ by age and ZIP code.
Because Plan N benefits are standardized, a higher premium does not purchase richer basic medical benefits. Instead, compare the premium, discount, rate history, service and underwriting rules.
Also, include any application, membership or policy fee in the initial cost. A complete comparison should show every charge connected to the policy.
The lowest premium deserves attention, but it should not decide the entire comparison. A small monthly difference may matter less than service, discount rules or rate history.
First, compare every company using the same applicant information. Next, confirm whether the quote includes a household discount.
Then review any one-time fees and payment requirements. Finally, consider the company's available rate history and customer service.
No company can guarantee future premiums. However, a balanced comparison can help you avoid choosing a policy based only on an attractive first-year price.
The simplest step is to compare several insurance companies. Since benefits are standardized, changing carriers can sometimes lower your premium without reducing the basic Plan N benefits.
You should also ask about household discounts. Some companies offer a discount when you live with another adult, although the rules differ.
In addition, certain payment methods may qualify for a small savings. Carefully compare the discounted rate with any policy or membership fees.
If you already have a Medicare Supplement policy, do not cancel it before receiving approval from the new company. Medical underwriting may apply when you switch outside a protected enrollment right.
Many newly eligible beneficiaries may find competitive rates between about $105 and $130 per month. However, your personal quote can be lower or higher.
No. The $121 figure comes from a set of 2026 rate examples using specific assumptions. Your age, ZIP code, gender, tobacco status and discounts can change the result.
Yes. Medicare standardizes the basic medical benefits of Plan N. Companies can still charge different premiums and use different discount rules.
No. You must pay the annual Medicare Part B deductible before Medicare and Plan N begin paying applicable Part B costs.
It can. Insurance companies can request rate increases, and attained-age pricing can also raise premiums as you get older.
You can apply to change companies during the year. However, the new company may require medical underwriting unless you have a guaranteed issue right.
No additional broker fee is usually added to your Medicare Supplement premium. An independent broker can compare several companies and help explain their rates, discounts and underwriting rules.
Medicare can be confusing, but getting answers shouldn't be.
Whether you're enrolling for the first time, reviewing your current coverage, considering a plan change, or simply looking for a second opinion, I'm happy to help you understand your options and answer your questions.
I've been helping Medicare beneficiaries since 1985, and I've built my practice on straightforward advice, long-term relationships, and treating people the way I'd want my own family treated.
If you'd like to discuss your Medicare options, call or text The DeAngelis Agency at 215-967-8828.
There's no pressure and no obligation—just honest guidance to help you make a confident decision.
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