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Average Cost of Medicare Advantage Plans by State in 2022


Unlike Original Medicare (Medicare Part A and Medicare Part B), the price of Medicare Advantage plans varies depending on where you live. Thus, the average cost of Medicare Advantage is different in each state. Check the chart below for the average monthly premium and prescription drug deductible of Medicare Advantage plans in your state.

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What is the Average Cost of Medicare Advantage Plans?

Private insurance companies offer Medicare Advantage plans to those eligible for Medicare. Plan availability depends on your county of residence and the carriers determine the costs for the plans. There are even some plans that partially or fully pay your Part B premium.

To enroll in a Medicare Advantage plan, you must first sign up for Original Medicare. Medicare Advantage plans are also known as Part C and are commonly called replacement plans because they stand in for Original Medicare.

With a Medicare Advantage plan, you will still be responsible for applicable premiums for Medicare Parts A and B. Thus, a Medicare Advantage plan with a zero-dollar premium does not mean your Medicare is free.

When enrolling in a Medicare Advantage plan, there are multiple considerations you must make. When it comes to price, you will want to take into account the monthly premium as well as the deductible you must reach for prescription drug coverage.

However, not all Medicare Advantage plans include prescription drug coverage. Though, if yours does, you must meet the deductible for the coverage to kick in. So, for an affordable plan, look beyond the price of the premium and see if the deductibles are also reasonable.

The average monthly premium for Medicare Advantage plans ranges from $38 to $105 across the 49 states where they are available. Prescription drug deductibles for Medicare Advantage plans range from $182 to $448.

As you can see, there is a fairly broad range for each. Additionally, Medicare Advantage plans are not available in Alaska.

Average Cost of Medicare Advantage Plans in Each State

State Monthly Premium Prescription Drug Deductible
Alabama $65 $257
Alaska N/A N/A
Arizona $48 $322
Arkansas $45 $323
California $48 $377
Colorado $49 $343
Connecticut $79 $318
Delaware $64 $239
Florida $68 $234
Georgia $49 $272
Hawaii $58 $309
Idaho $41 $233
Illinois $71 $393
Indiana $44 $208
Iowa $50 $324
Kansas $58 $779
Kentucky $45 $209
Louisiana $57 $325
Maine $39 $302
Maryland $78 $276
Massachusetts $103 $283
Michigan $102 $265
Minnesota $94 354
Mississippi $49 $360
Missouri $43 $316
Montana $80 $369
Nebraska $49 $241
Nevada $43 $303
New Hampshire $45 $328
New Jersey $58 $291
New Mexico $40 $248
New York $72 $297
North Carolina $50 $224
North Dakota $117 $448
Ohio $86 $194
Oklahoma $48 $271
Oregon $64 $237
Pennsylvania $82 $323
Rhode Island $102 $256
South Carolina $39 $231
South Dakota $105 $431
Tennessee $59 $330
Texas $74 $273
Utah $52 $183
Vermont $55 $306
Virginia $57 $289
Washington $70 $240
West Virginia $62 $251
Wisconsin $60 $203
Wyoming $82 $245

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How to Find the Best Deal on a Medicare Advantage Plan Near You

Now that you are more familiar with the average cost of Medicare Advantage plans across the country, you have a better idea of what to expect when choosing one. We understand that Medicare can be complicated so we're here to help you make the right choice for your coverage.

You do not need a local agent to find the best Medicare Advantage plan for you! Our agents are licensed in every state and are ready to help you compare your local options. Just call the number above to get started now or complete our online rate form.

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Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

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