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Medicare Supplement Plan Comparison Calculator

Plan G vs Plan N vs High-Deductible Plan G — 20-Year Cost Projection

Plan G
—
20-year total cost
Plan N
—
20-year total cost
HD-G
—
20-year total cost
HD-G saves vs Plan G over 20 years
—
HD-G saves vs Plan N over 20 years
—
Starting Monthly Premiums — Enter Your Local Rates

Premiums vary by state, carrier, age, and gender. Adjust these to match quotes you've received or typical rates in your area.

$160/mo
$120/mo
$45/mo
Annual Premium Increase Rates & Other Assumptions
10%
8%
3%
every 5 yrs
$750
2%
2%
7 visits
Cumulative Cost Over 20 Years
Plan G Plan N HD-G
Annual Total Cost (Premiums + All Out-of-Pocket)
Plan G Plan N HD-G
Year 20 Cost Breakdown (Age 85)
Year-by-Year Detail
YrAge G $/moG Annual N $/moN Annual HDG $/moHDG OOPHDG Annual G Cumul. N Cumul. HDG Cumul.
Important: This calculator uses starting premiums and assumptions you set above. Actual premiums vary by carrier, state, age, gender, and tobacco use. The Part B deductible starts at $283 (2026). The HD-G deductible starts at $2,950 (2026). This tool is for educational purposes only and does not constitute insurance advice. Consult a licensed Medicare broker to review your specific situation.

💰 What If You Invested the Premium Savings?

If you chose a lower-cost plan and invested the monthly premium difference, here's what it could grow to over 20 years.

The monthly savings figures below are calculated automatically from your premium inputs above. Adjust the rate of return slider to see how different investment performance affects the outcome.

Monthly Premium Savings (Year 1)
Plan G → Plan N
—/mo saved
—
20-yr invested value
Plan N → HD-G
—/mo saved
—
20-yr invested value
Plan G → HD-G
—/mo saved
—
20-yr invested value
Adjust Rate of Return
6.0%

Note: The monthly savings amount grows each year as the premium gap widens. This calculator reinvests the increasing savings each month at the selected annual rate.

Invested Savings Growth Over 20 Years
G → N savings invested N → HD-G savings invested G → HD-G savings invested
Invested Value Summary — at Fixed Return Rates

Showing projected value of invested premium savings at three standard return rates.

Comparison Mo. Savings (Yr 1) 4% return 6% return 8% return
How this works: Each month, the premium savings (which grows larger every year as the premium gap widens) is added to the investment account and compounds at the selected annual rate. This is a simplified illustration assuming consistent monthly contributions of the growing savings amount. It does not account for taxes, inflation, or investment fees. Past investment returns do not guarantee future results. The investment projections shown are for illustrative purposes only and do not constitute investment advice. Returns are not guaranteed. Please consult a qualified financial planner or tax advisor before making any investment decisions.

Want to discuss whether HD-G is right for your situation? Chris Prang is a licensed Medicare broker serving Virginia and beyond.

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