2026 Medicare Plan N Prices in Arizona Compared to Other States

Plan G gets most of the attention in Medicare supplement conversations, but Plan N has quietly become the second most popular Medigap plan in the country, including among Arizona residents. The reason is simple: Plan N offers nearly the same coverage as Plan G at a noticeably lower monthly premium. For seniors in Arizona who don't mind paying small copays at the doctor's office, Plan N can save hundreds of dollars a year compared to Plan G.

Like all Medigap plans, Plan N is standardized by the federal government. That means every Plan N policy covers the exact same benefits whether you buy it in Arizona or anywhere else. But the monthly premium you pay for that identical coverage can vary dramatically depending on where in Arizona you live, your age, your gender, and which carrier you choose. The table below displays the lowest and highest monthly premiums for Plan N across nine major metropolitan areas as of January 15, 2026. It is always best to talk to a local Medicare licensed insurance agent near you when selecting your health insurance plan as a senior. This analysis reveals the stark differences in costs based on geography and gender at the age of 65 for non-tobacco users.

Geographic Variations in Plan N Prices

The following table provides a snapshot of the monthly premiums for Plan N, showcasing both the lowest and highest rates across various cities:

Source: Rates compiled from public Medigap rate filings as of January 15, 2026. Premiums shown are for a 65-year-old non-smoker and are illustrative; actual quotes vary by carrier and individual factors.

Key Takeaways

• Significantly Cheaper Than Plan G: Across every city, Plan N premiums run roughly 25-35% lower than Plan G premiums for the same metro area. The savings add up to hundreds of dollars per year.
• Geographic Disparity: Prices for Plan N vary widely from city to city. How Arizona compares depends on local healthcare costs, carrier competition, and state insurance regulations.
• Gender Pricing: In some states, premiums differ between males and females. Some states like California require unisex pricing, which eliminates gender-based differences.

What Does Medicare Plan N Cover?

Plan N covers most of the same gaps in Original Medicare that other Medigap plans cover, with two notable exceptions that keep premiums lower:

• Part A hospital coinsurance and costs up to an additional 365 days after Medicare benefits are exhausted
• Part B coinsurance or copayment for most services, except for a copay of up to $20 for some office visits and up to $50 for emergency room visits that don't result in an inpatient admission
• Blood (first 3 pints)
• Part A hospice care coinsurance or copayment
• Skilled nursing facility care coinsurance
• Part A deductible
• Part B excess charges: Not covered by Plan N (Plan G covers these)
• Part B deductible: Not covered (no Medigap plan can cover this for anyone newly eligible after January 1, 2020)

The practical difference between Plan N and Plan G comes down to those small copays and the Part B excess charges. If your doctors in Arizona accept Medicare assignment (meaning they accept the Medicare-approved amount as full payment), Part B excess charges are a non-issue. Most doctors do accept assignment, which is why Plan N works well for the majority of Arizona Medicare beneficiaries.

"Plan G typically has higher premiums than Plan N, so you want to decide whether you want higher monthly premiums or if you prefer to reduce monthly premiums and pay copayments for certain doctor and emergency room visits. When comparing Medigap Plan G vs Plan N, they both offer substantial coverage benefits, but there are more out-of-pocket costs when enrolled in Plan N such as $20 copay for office visits, $50 ER copay and 15% when seeing providers that do not accept Medicare Assignment," says Thomas Magnus, a licensed Medicare agent in California.

That last point matters less in practice than it sounds on paper. According to Rachel Armstrong, a licensed Medicare agent in Georgia, "only approximately 2% of doctors charge excess charges so this may be very minimal." For the overwhelming majority of Plan N enrollees, the missing excess charge coverage never costs them a dollar.

Factors Influencing Medicare Supplement Plan N Pricing in Arizona

Several factors contribute to these geographical differences in Plan N premiums, despite the fact that it is the same coverage being offered and that Medicare is a national program.

There is also a less obvious factor working in Plan N's favor over time. "Plan N requires stricter medical underwriting in most situations, keeping its risk pool healthier. As a result, Plan N clients experience much lower, more stable rate increases," says Christopher Dewey, a licensed Medicare agent in South Carolina. That stability matters because a cheap starting premium means little if the carrier hikes it 10% a year.

• Cost of Living and Healthcare Expenses: Areas of Arizona with higher living and healthcare costs generally see higher premiums.
• State Regulations: Arizona has its own insurance regulatory framework that affects how carriers set Medigap premiums.
• Competition among Providers: The number of insurance companies selling Medigap plans in Arizona directly affects pricing. More competition tends to push premiums down.
• Rating Method: Carriers can use issue-age, attained-age, or community rating. The rating method significantly affects both starting price and how much premiums increase over time.

Who Should Consider Plan N Over Plan G in Arizona?

Plan N tends to be the better value for Arizona seniors who:

• See the doctor a few times a year but aren't making weekly visits. The copays only apply when you actually go, so fewer visits means fewer copays.
• Use doctors who accept Medicare assignment. This eliminates the Part B excess charge concern entirely. You can check whether your Arizona doctors accept assignment through Medicare.gov or by asking their billing department.
• Want to keep monthly premiums as low as possible while still having strong Medigap coverage. Plan N hits the sweet spot between comprehensive protection and affordable premiums.
• Are healthy and want to save money during years when they don't use much healthcare.

Plan G might still make more sense for Arizona residents who see specialists frequently, use doctors who don't accept assignment, or simply prefer the predictability of no copays at all.

For seniors trying to decide between the two plans, the math is more concrete than it looks. "You can calculate the break-even point of doctor visits by simply taking the premium for Plan G, subtracting the premium for Plan N, multiplying it by 12 months, and then dividing by the $20 copay per doctor visit," says Chad Watkins, a licensed Medicare agent in New Jersey. "If you got a Plan G that was, say, $150 a month, and your Plan N is $115 a month, the difference of $35 times 12 months divided by the $20 copay equals 21 doctor visits. In other words, you would have to go to the doctor 21 times before you saved your money over Plan G." Watkins also warns that physical therapy can flip the math: those weekly $20 copays add up fast and may end up costing more than the Plan G premium would have.

How to Get the Best Plan N Rate in Arizona

Because Plan N coverage is identical across every carrier, the smart move for Arizona residents is to shop on price and carrier reputation:

1. Enroll during your Medigap open enrollment period. This is the six-month window starting when you're both 65 years old and enrolled in Part B. During this period, insurers must sell you a plan at the standard rate regardless of your health.
2. Compare quotes from multiple carriers. As the table above shows, there can be a massive difference between the cheapest and most expensive Plan N in the same zip code.
3. Ask about household and payment discounts. Many carriers offer small discounts (3-7%) for paying annually, enrolling with a spouse, or setting up auto-pay.
4. Check the carrier's rate increase history. A low starting premium doesn't mean much if the carrier has a pattern of steep annual increases.
5. Work with a local Medicare insurance agent. Independent agents in Arizona can pull quotes from multiple carriers at once and know which companies have the best track record in your area.

You can also check how Arizona's supplement plan options compare to Medicare Advantage if you're still weighing all your Medicare coverage options.

According to Jacqueline Proffit, a licensed Medicare agent in Florida, "most carriers offer 5% to 12% off your premium if you live with another adult, like a spouse or roommate, even if they aren't on your specific plan." That household discount alone can wipe out a meaningful chunk of your monthly cost. Proffit also points to High-Deductible Plan G as a comparison option: same coverage as standard Plan G, but with a much lower premium in exchange for a set deductible (around $2,870 in 2026) before the plan starts paying.

Final Thoughts

Plan N is one of the smartest values in the Medigap market for Arizona seniors who want strong coverage without paying top dollar for it. The premiums run meaningfully lower than Plan G, and for most people the tradeoff of a small copay here and there is well worth the savings.

But the single biggest factor in what you'll pay for Plan N isn't the plan itself. It's where in Arizona you live and which carrier you choose. Two Arizona seniors with the same health profile can pay very different amounts for identical Plan N coverage just because they live in different zip codes or picked different insurance companies.

That's why comparing quotes from multiple carriers in your area is the most important step you can take. Talk to a local Medicare licensed insurance agent in Arizona who can show you the full range of Plan N options available where you live.