Best Medicare Supplement Plans (2026)

Key Takeaways

AFLAC has the most affordable Medicare Supplement (Medigap) rates across the most popular plan types including Plan G, F and N. United American, State Farm, Aetna, Blue Cross Blue Shield and Mutual of Omaha provide strong alternatives depending on your preferred plan and location.

Plan G gives the best value for most Medicare beneficiaries. At $306 monthly on average, Plan G delivers comprehensive coverage with only a small Part B deductible. High-deductible Plan G costs just $76 monthly for those willing to pay more out-of-pocket initially.

Medicare Supplement rates vary widely, even for identical coverage. The same Plan G coverage costs $203 monthly with AFLAC but $306 monthly on average, showing how shopping around can save you up to $103 monthly or $1,236 annually without sacrificing benefits.

Best Medicare Supplement Providers

We analyzed the Medicare Supplement plans from major insurers across all standardized plan types to identify the most affordable providers nationwide. Our research focused on monthly premiums for 65-year-olds with Community pricing, the most common rating method that charges the same premium regardless of age.

AFLAC leads with the lowest rates for three popular plan types: Plan G at $203 monthly, Plan N at $154 monthly and Plan F at $247 monthly. These rates save seniors between $96 and $111 monthly compared to national averages. Aetna has competitive pricing for Plans B, C and high-deductible Plan G, while United American has the best rates for Plans A and L plus high-deductible Plan F. The table below shows the most affordable provider for each Medicare Supplement plan type, along with monthly costs and average savings compared to national rates.


Plan A	United American	$180	$87
Plan B	Aetna	$228	$95
Plan C	Aetna	$258	$129
Plan D	State Farm	$221	$86
Plan F	AFLAC	$247	$111
Plan F (High Deductible)	United American	$58	$13
Plan G	AFLAC	$203	$104
Plan G (High Deductible)	Aetna	$50	$26
Plan K	Blue Cross Blue Shield	$115	$12
Plan L	United American	$200	$18
Plan M	Mutual of Omaha	$186	$92
Plan N	AFLAC	$154	$95

Aflac

Best For Plans F, G, N

MoneyGeek Rating

4.5/ 5

4.9/5Affordability

4.3/5Pricing Style

4/5Availability

Plan Types
A, G, F, N
Availability
42 States

pros
- Lowest rates for Plan G ($203 monthly), Plan N ($154 monthly) and Plan F ($247 monthly)
- Community pricing won't increase premiums based on age
- Saves $95 to $111 monthly compared to national averages
cons
- Limited plan variety compared to some competitors
AFLAC leads Medicare Supplement insurance with the most affordable rates for popular plan types G, F and N. The insurer provides Plan G for $203 monthly, Plan N for $154 monthly and Plan F for $247 monthly, saving you between $95 and $111 each month compared to national averages. AFLAC operates in 42 states and has comprehensive coverage with Community pricing that won't increase based on your age. You'll find straightforward plan options without complicated rating structures, making AFLAC an excellent choice for predictable Medicare costs.
Alabama, Arizona, Arkansas, California, Colorado, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, Wyoming

United American

Best For Plans A, F (High Deductible), L

MoneyGeek Rating

4.6/ 5

4.2/5Affordability

5/5Pricing Style

5/5Availability

Plan Types
A, B, C, D, F, G, K, L, N
Availability
48 States

pros
- Best rates for Plan A ($180 monthly), high-deductible Plan F ($58 monthly) and Plan L ($200 monthly)
- 9 out of 10 standardized Medigap Plans
- Multiple pricing structures to fit different needs
cons
- Higher rates for popular Plans G and N
- Doesn’t provide Plan M
United American Insurance Company has the lowest rates for Plan A at $180 monthly and high-deductible Plan F at $58 monthly. Operating in 48 states, more than most competitors, United American has extensive geographic coverage with multiple pricing options including Community, Issue-Age and Attained-Age rating structures. The insurer's Plan L costs $200 per month, saving you $18 compared to national averages. United American's broad plan selection spans 9 out of 10 standard Medigap plans, with only Plan M missing, giving you flexibility to match coverage with your health needs and budget.
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington D.C., West Virginia, Wisconsin, Wyoming

Aetna Medicare

Best For Plans B, C and G (High Deductible)

MoneyGeek Rating

4.3/ 5

4.9/5Affordability

3.9/5Pricing Style

3.3/5Availability

Plan Types
A, B, C, D, F, G, K, L, N
Availability
45 States

pros
- Top rates for Plan B ($228 monthly), Plan C ($258 monthly) and high-deductible Plan G ($50 monthly)
- Saves up to $129 monthly compared to national averages
- 9 out of 10 standardized Medigap Plans
cons
- Doesn’t provide Plan M
- High-deductible Plan F rates higher than national average
Aetna is the best provider for specialized Medicare Supplement plans with the most competitive pricing for Plan B ($228 per month), Plan C ($258 per month) and high-deductible Plan G at ($50 per month). These rates deliver substantial savings, up to $129 monthly compared to national averages for Plan C. As a major national health insurer, Aetna boasts broad state availability and the backing of CVS Health, providing integrated pharmacy benefits and extensive provider networks. Seniors choosing Aetna benefit from brand recognition, established customer service infrastructure and the convenience of coordinating Medicare Supplement coverage with other health services through a single trusted company.
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington D.C., West Virginia, Wisconsin, Wyoming

State Farm

Best For Plan D

MoneyGeek Rating

4.4/ 5

4/5Affordability

4.9/5Pricing Style

4.8/5Availability

Plan Types
A, C, D, F, G, N
Availability
46 States

pros
- Lowest rates for Plan D ($221 monthly)
- Extensive local agent network
- Trusted brand name with strong financial stability ratings
- Competitive pricing on Plan G ($222 monthly) and Plan N ($167 monthly)
cons
- Less plan options than competitors (missing Plans B, K, L and M)
- No high-deductible plans
State Farm brings its trusted insurance brand to Medicare Supplement coverage with competitive Plan D averaging $221 per month, saving you $86 monthly versus national rates. Known for its extensive local agent network, State Farm operates in 46 states and offers personalized service through neighborhood offices where you can discuss Medicare Supplement options alongside auto and home insurance. The company's Plan G costs $222 monthly and Plan N runs $167 monthly, both delivering significant savings. State Farm's multi-line discount opportunities and face-to-face support make it ideal for seniors who value bundling policies with an insurer they already know and trust.
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington D.C., West Virginia, Wisconsin, Wyoming

Blue Cross Blue Shield

Best For Plan K

MoneyGeek Rating

4.1/ 5

4.9/5Affordability

3.7/5Pricing Style

2.9/5Availability

Plan Types
A, C, D, F, G, K, N
Availability
38 States

pros
- Best pricing for Plan K ($115 monthly) with catastrophic protection
- Wide plan variety including unique Cost Sharing Plans
- Strong brand recognition and financial stability
cons
- Missing Plans B, L and M
- Not available in 12 states
- Higher rates than national average for Plan D
Blue Cross Blue Shield is best for Medigap Plan K with an average monthly premium of $115, the most affordable option for people seeking catastrophic protection with an annual out-of-pocket limit. With operations spanning 38 states through independent regional companies, BCBS has a wide variety of plan types including specialized options like the 50% and 75% Cost Sharing Plans not available from most competitors. The insurer's recognizable brand carries strong financial ratings and deep provider relationships built over decades. Seniors benefit from BCBS's established claims processing systems and comprehensive member portals, though pricing and plan availability vary widely depending on which regional Blue Cross Blue Shield company serves your state.
Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Idaho, Illinois, Iowa, Kansas, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Montana, Nebraska, New Jersey, New Mexico, North Carolina, North Dakota, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington D.C., West Virginia, Wyoming

Mutual of Omaha

Best For Plan M

MoneyGeek Rating

4.0/ 5

4.6/5Affordability

3.7/5Pricing Style

3/5Availability

Plan Types
A, B, C, D, F, G, M, N
Availability
50 States

pros
- Best pricing for Plan M ($186 per month)
- Wide plan type availability
- Available in all 50 states
cons
- Higher than average premiums for Plans A, B, C, D, F and G
- Doesn’t have Plans K or L
Mutual of Omaha has nationwide coverage with operations in all 50 states. The company has the best Plan M pricing, averaging $186 monthly and saving yuo $92 compared to the national average while delivering moderate coverage that splits the Part A deductible. Founded in 1909, Mutual of Omaha brings over a century of insurance expertise to Medicare Supplement coverage. Consumers choosing Mutual of Omaha gain access to streamlined enrollment processes and responsive customer service, though premiums run higher for the most popular plans like G and N where other insurers have better value.
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington D.C., West Virginia, Wisconsin, Wyoming

Best Medicare Supplement Plans By State

Medicare Supplement premiums vary dramatically by state due to different regulations, competition levels and rating methods. While plan benefits are standardized nationwide, a Plan G policy in Florida might cost $150 monthly while the same coverage in New York could run $300 monthly. State insurance departments regulate which rating methods insurers can use (Community-rated, Issue-Age-rated or Attained-Age-rated), affecting how premiums change over time.

MoneyGeek has analyzed the best Medicare Supplement plans in every state. Find your state below to review the best providers available to you.


Alabama	Illinois	Montana	Pennsylvania
Alaska	Indiana	Nebraska	Rhode Island
Arizona	Iowa	Nevada	South Carolina
Arkansas	Kansas	New Hampshire	South Dakota
California	Kentucky	New Jersey	Tennessee
Colorado	Louisiana	New Mexico	Texas
Connecticut	Maine	New York	Utah
Delaware	Maryland	North Carolina	Vermont
Florida	Massachusetts	North Dakota	Virginia
Georgia	Michigan	Ohio	Washington
Hawaii	Mississippi	Oklahoma	West Virginia
Idaho	Missouri	Oregon	Wyoming

How to Choose the Best Medicare Supplement Plan

Medicare Supplement plans are standardized at the federal level, so Plan G benefits remain identical whether you buy from AFLAC, Aetna or any other insurer. What changes is the premium. A Plan G policy might cost $203 monthly with one provider and $306 monthly with another for the exact same coverage.

Choose your plan type based on how much you expect to use health care services and how much you can afford in monthly premiums versus out-of-pocket costs.

Most Comprehensive Coverage

Plan F has the highest level of coverage by filling all Medicare gaps, including the Part B deductible and excess charges, but this plan isn't available to people who became eligible for Medicare after 2020.
Plan G covers all gaps except the Part B deductible and is widely considered the top choice for new Medicare enrollees. Averaging $306 per month, Plan G gives comprehensive protection with minimal out-of-pocket costs.

Best Value Options

Plan N delivers strong coverage with lower monthly premiums averaging $249 monthly. You'll pay small copayments for doctor visits (up to $20) and emergency room visits (up to $50), but these modest costs often result in significant premium savings.
Plan D mirrors Plan G but excludes coverage for Part B excess charges, often resulting in lower premiums. This plan works well in states that prohibit excess charges or if your doctors accept Medicare assignment.

Budget-Friendly Choices

Plan K features some of the lowest premiums at $127 monthly, with 50% cost-sharing and an annual out-of-pocket limit of $7,060 in 2025.
Plan L covers 75% of costs and caps out-of-pocket spending to $3,530 annually. Averaging $218 monthly, Plan L provides more protection than Plan K while keeping premiums affordable.
Plan M covers half of the Part A deductible and typically comes with moderate monthly premiums around $278 monthly. This plan balances premium costs with decent coverage.

Premium Coverage

Plan C includes coverage for the Part B deductible and foreign travel emergencies but isn't available to beneficiaries who became eligible for Medicare after 2020. Costing an average of $387 per month, Plan C costs more than Plan G while providing similar coverage.

Average Medicare Supplement Plan Cost

Medicare Supplement premiums vary based on plan type, with monthly costs ranging from $71 to $387 on average for 65-year-olds. High-deductible Plan F is the cheapest plan, averaging $71 monthly ($848 annually), while Plan C costs the most at $387 monthly ($4,643 annually). Most people choose mid-range plans like Plan G ($306 monthly) or Plan N ($249 monthly), balancing comprehensive coverage with affordable premiums.

Your age also affects your Medicare Supplement plan cost. Premiums increase an average of about 5% between ages 65 and 75, though the impact varies by plan type and insurer rating method. Plan C sees the largest increase from $387 to $419 monthly, while high-deductible plans remain relatively stable with minimal age-related increases. The table below shows average monthly and annual costs for each Medicare Supplement plan type at ages 65 and 75.


A	$267	$3,200	$289	$3,467
B	$323	$3,880	$348	$4,176
C	$387	$4,643	$419	$5,026
D	$308	$3,691	$328	$3,939
F	$358	$4,295	$390	$4,678
F (High Deductible)	$71	$848	$71	$848
G	$306	$3,676	$327	$3,928
G (High Deductible)	$76	$912	$71	$855
K	$127	$1,528	$137	$1,649
L	$218	$2,617	$235	$2,825
M	$278	$3,335	$278	$3,335
N	$249	$2,992	$267	$3,202

Best Medigap Plans: FAQs

Medicare Supplement insurance can feel complicated, so we've answered common questions about coverage, enrollment periods and switching plans to help you make informed decisions.

What does Medigap cover?

Medigap covers out-of-pocket costs that Original Medicare doesn't pay, including copayments, coinsurance and deductibles. Coverage varies by plan type. Plan G covers everything except the Part B deductible, while Plan N requires small copays for doctor visits. High-deductible plans have lower premiums but higher initial costs.

Are Medicare Supplement plans worth it?

Medicare Supplement plans are worth it if you want predictable health care costs and comprehensive coverage. Plans eliminate surprise medical bills by covering most out-of-pocket expenses. You'll pay higher monthly premiums but face minimal costs when using health care services, making budgeting easier.

When can you enroll in Medigap plans?

You can enroll in Medigap plans anytime, but the best time is during your six-month Medigap Open Enrollment Period starting when you turn 65 and enroll in Medicare Part B. During this period, insurers can't deny coverage or charge higher premiums based on health conditions.

Can you switch from Medicare Advantage to Medigap?

You can switch from Medicare Advantage to Medigap, but insurers can deny coverage or charge higher premiums based on your health unless you qualify for guaranteed issue rights. The best time to switch is during your Medigap Open Enrollment Period at age 65.

Our Review Methodology

MoneyGeek collected data for all Medicare plans nationwide for ages 65 and 75, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies in Texas based on three main categories to create a weighted score out of 5:

Affordability (50%): Providers with the lowest monthly cost score higher.
Pricing style (20%): Medigap insurers use three methods to determine premiums: community pricing, issue-age pricing and attained age pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: community pricing 1.0, issue-age pricing 0.8, attained-age pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
Plan and state availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular Plan G, Plan F and Plan N. Providers that have broader nationwide availability across more states also score higher.

About Deb Gordon

Deb Gordon, the co-founder and CEO of Umbra Health Advocacy, has held executive roles in health insurance and health care technology services. She authored a book titled “The Health Care Consumer’s Manifesto,” based on her research as a senior fellow at Harvard Kennedy School’s Mossavar-Rahmani Center for Business and Government. Her works have been published on JAMA Network Open, Harvard Business Review blog, USA Today and RealClear Politics, among others.

Gordon is an Aspen Institute Health Innovators Fellow and an Eisenhower Fellow. She was a 2011 Boston Business Journal 40 Under 40 honoree and a volunteer at MIT’s Delta V start-up accelerator, the Fierce Healthcare Innovation Awards. She earned her bioethics degree from Brown University and her MBA with distinction from Harvard Business School.

Read Full Bio »

Best Medicare Supplement Plans (2026)

Best Medicare Supplement Providers

Best Medicare Supplement Plans By State

How to Choose the Best Medicare Supplement Plan

Average Medicare Supplement Plan Cost

Best Medigap Plans: FAQs

What does Medigap cover?

Are Medicare Supplement plans worth it?

When can you enroll in Medigap plans?

Can you switch from Medicare Advantage to Medigap?

Our Review Methodology

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