Best Medicare Supplement Plans in Washington (2026)

We analyzed the best Medicare Supplement plans in Washington to highlight the most affordable options for seniors based on plan type and coverage. Ace Property and Casualty offers the lowest average rates for popular plan choices, with Plan G at $206 per month and Plan F at $264 per month. Medico Corp provides the most affordable Plan N at $147 per month, making it a strong option if you want lower monthly costs.

Your ideal Medicare Supplement plan depends on your age, the plan you choose, and the coverage level you need. The table below compares leading Washington providers by plan type, monthly premium, and average savings to help you find the best fit.

*Prices are for 65-year-olds.

Washington seniors looking for strong Plan G value can find meaningful savings with several carriers. Ace Property and Casualty leads the market, offering premiums at $206 per month, $53 below the state average, while Blue Cross Blue Shield and Medico Corp remain close behind with similarly competitive rates.

Ace Property and Casualty has the cheapest Medigap Plan F rates in Washington with a monthly premium of $264, saving you $76 compared to the state average. Transamerica and Medico Corp follow closely at $268 and $286 per month, respectively. Plan F offers the most comprehensive Medicare Supplement coverage available in Washington for beneficiaries eligible before 2020, covering all deductibles and copays.

Plan N delivers budget-friendly coverage with modest copays for doctor visits and emergency care, making it an attractive option if you're seeking lower premiums than Plans F and G. Medico Corp has the lowest Plan N rate in Washington at $147 per month, providing $53 in monthly savings below the state average, or $638 annually. Ace Property and Casualty and Wellcare are competitive alternatives at $155 and $178 per month.

The best Medicare Supplement plan in Washington depends on your age, budget, and the level of coverage you want. Use the filterable table below to compare rates and identify the option that best fits your needs.

In Washington, Medicare Supplement insurance costs average $237 monthly for 65-year-olds and range from $112 to $340 across plan types. Plan K costs the least at $112 monthly while Plan F costs the most at $340.

The most popular plans G, F and N average $259, $340 and $200 per month respectively. Your actual premium depends on provider, age and insurer's pricing style.

After choosing your plan type, you'll want to compare providers in Washington. Look for these key factors when evaluating Medicare Supplement companies.

Washington residents seeking help with Medicare coverage selection and understanding options can access multiple resources available at no cost.

• Washington Statewide Health Insurance Benefits Advisors (SHIBA): Trained volunteers offer unbiased guidance through free, confidential individual counseling sessions to help seniors understand Medicare, compare Medicare Supplement and Medicare Advantage plans, and avoid insurance fraud. Visit Washington State SHIBA.
• Washington State Office of the Insurance Commissioner: Publishes rate comparisons for Medicare Supplement plans and runs a helpline for insurance questions and complaints while offering consumer protection services to help seniors identify and report insurance scams. Visit the Washington State Office of the Insurance Commissioner.
• Washington Association of Area Agencies on Aging (W4A): Provides programs for older adults, including Medicare enrollment assistance, benefits counseling, and access to local community resources for seniors and caregivers to help maintain independence and well-being. Find Your Local Agency.
• Medicare.gov: The official federal Medicare website offers comprehensive information on all Medicare options, including a plan finder tool to compare Medicare Supplement, Medicare Advantage and Part D plans available in your ZIP code. Visit Medicare.gov.

Find answers to frequently asked questions about Medigap coverage in Washington below.

MoneyGeek collected Washington Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise noted, this article references quotes for 65-year-olds.

We scored Washington Medigap companies across three categories to create a weighted score out of 5:

• Affordability (50%): Lower monthly premiums earn higher scores.
• Pricing style (20%): We scored pricing methods based on long-term stability and fairness: Community Pricing (1.0), Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums stay stable as you age.
• Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.