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Medicare Plan G vs Plan N Calculator — True Annual Cost Comparison (2025)
Compare the real annual cost of Medicare Supplement Plan G vs Plan N based on your age, state, and healthcare usage. Find out which plan saves you more money.
Plan G
✓ Best for youPlan N
Recommendation
Plan G
Saves $279 per year
$279
Annual Savings
6 specialist visits/yr
Plan N Break-Even
Plan G is the better choice based on your usage. Plan G's comprehensive coverage is worth the higher premium given your healthcare usage.
Analysis & insights
Your plan g total is $1,817, based on the inputs above. Insurance cost comparisons miss coverage differences. Match deductibles + out-of-pocket maximums when comparing.
Calculation summary
Result derived from 4 inputs. Adjust any one to test sensitivity.
Risk & benchmark gauge
Current band
Low
Plan G Total: $1,817
Industry benchmarks
- Plan G Annual Premium$1,560
- Plan G Out Of Pocket$257
- Plan G Total$1,817
- Plan N Annual Premium$1,279
- Plan N Out Of Pocket$817
- Plan N Total$2,096
Key insights
Compare apples to apples
Premium quotes are meaningless without matching deductibles, out-of-pocket maximums, network restrictions, and exclusions.
Sensitivity testing
Adjust each input by ±10% to find the most impactful variable — that's the one to focus your real-world decisions on.
Recommended actions(4)
Test the realistic range of each input
High priorityTry the lowest and highest realistic value for each input. The spread of results is the range you should actually plan for — point estimates lie.
Impact: Reveals which inputs matter most and where uncertainty hides.
Compare against published benchmarks
Medium priorityWhatever you're calculating, there's likely an industry benchmark for it. Google "[topic] average" or "[topic] median" to sanity-check the result.
Save or download a copy
Medium priorityFor calculators that offer it, use "Download report (PDF)" to keep a snapshot. Otherwise screenshot the inputs + result before navigating away.
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This tool is for educational purposes only and does not constitute financial, tax, or investment advice. Consult a qualified financial professional for advice specific to your situation.