How Much Is Medigap Plan F? 
Truly depends on your state -LRB- or zip code -RRB- , your age , height and weight -LRB- with some companies -RRB- and if a smoker . The price is also affected by the insurance company 's pool of people -LRB- insureds -RRB- and their claims . Often , plans with a sicker pool of people will have a higher premium . Insurance companies with fewer underwriting questions , tend to have a sicker pool , thus higher rates . Marketing budgets will also effect premiums . If you see a plan advertised heavily , it will be reflected in the rates . Companies with a more strict underwriting guidelines will have a health pool of people and rates will tend to be lower . 