How Much Is Medigap Plan F? 
Medigap Plan F is the most expensive plan in any area -LRB- and most popular -RRB- followed by D or G -LRB- depending on your state -RRB- , N then Hi F. Medicare supplemental insurance rates will vary by age , gender , zip code , tobacco usage and in some cases , by your height and weight . Older individuals will pay a higher rate than younger individuals . An exception is for those who are under age 65 and on disability and Medicare . In most states rates for under age 65 are extremely high . Many carriers offer attractive premium rates from age 65 to 74 . Above age 74 some plans -LRB- surprisingly -RRB- become more competitive while others less so . If you use tobacco it often adds 20 % to the rate but can be more , depending on the carrier . Online quotes are available but in many cases the more competitive rates are only available offline from a Medigap broker . 