State Farm offers California's best Medicare Supplement rates for Plan G ($166 monthly) and Plan N ($127 monthly). Bankers Life has the cheapest Plan F at $181 monthly. Your best rate depends on your age, plan type and pricing style preference.
Best Medicare Supplement Plans in California (2026)
Updated: March 24, 2026
Advertising & Editorial Disclosure
Key Takeaways
State Farm provides California's cheapest Plan G and Plan N rates while Bankers Life offers the lowest Plan F.
California's Medicare Supplement premiums run $34 to $539 monthly depending on which plan you choose.
Shop multiple carriers and evaluate plan restrictions, benefits and availability to determine your best fit.
Best Medicare Supplement Plans in California
| USAA | A | $120 | $58 | Attained Age Pricing |
| AARP | B | $210 | $19 | Community Pricing |
| State Farm | C | $224 | $47 | Attained Age Pricing |
| State Farm | D | $166 | $33 | Attained Age Pricing |
| Bankers Life | F | $181 | $91 | Attained Age Pricing |
| State Farm | G | $166 | $58 | Attained Age Pricing |
| AARP | K | $78 | $28 | Community Pricing |
| Transamerica | L | $138 | $19 | Issue Age Pricing |
| State Farm | N | $127 | $41 | Attained Age Pricing |
*Prices are for 65-year-olds.
Bankers Life
MoneyGeek Rating
4.4/ 5
4.6/5Affordability
4.4/5Pricing Style
4.2/5Plan Availability
Average Plan G Rate
$173Plan Types
A, F, G, N
USAA
MoneyGeek Rating
4.5/ 5
4.8/5Affordability
4.3/5Pricing Style
4.1/5Plan Availability
Average Plan G Rate
$180Plan Types
A, F, G, N
AARP
MoneyGeek Rating
4.2/ 5
4.2/5Affordability
4.2/5Pricing Style
3.9/5Plan Availability
Average Plan G Rate
$199Plan Types
A, B, C, F, G, K, L, N
Transamerica
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.6/5Pricing Style
4.4/5Availability
Average Plan G Rate
$249Plan Types
A, C, F, G, L, N
State Farm
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4.3/5Pricing Style
4.2/5Availability
Average Plan G Cost
$166Plan Types
C, D, G, N
Best Medicare Supplement Plan G in California
State Farm offers California's cheapest Plan G at $166 per month, $58 below the state average. Bankers Life and USAA also provide competitive rates.
| State Farm | $166 | $58 | $1,992 | $699 |
| Bankers Life | $173 | $51 | $2,076 | $615 |
| USAA | $180 | $44 | $2,160 | $531 |
| Health Net | $185 | $39 | $2,220 | $471 |
| Anthem | $198 | $26 | $2,376 | $315 |
| Blue Cross Blue Shield | $199 | $26 | $2,382 | $309 |
| AARP | $199 | $25 | $2,388 | $303 |
Best Medicare Supplement Plan F in California
Plan F costs $181 to $255 monthly in California, with Bankers Life providing the lowest rate at $181 monthly. Health Net ($215 monthly) and State Farm ($227 monthly) also have competitive rates.
| Bankers Life | $181 | $91 | $2,172 | $1,089 |
| Health Net | $215 | $57 | $2,574 | $687 |
| State Farm | $227 | $45 | $2,724 | $537 |
| USAA | $235 | $37 | $2,820 | $441 |
| Globe Life | $248 | $24 | $2,976 | $285 |
| Blue Cross Blue Shield | $248 | $24 | $2,976 | $285 |
| Cigna | $255 | $17 | $3,060 | $201 |
Best Medicare Supplement Plan N in California
Plan N costs $127 to $162 per month in California, with State Farm offering the cheapest at $127 monthly. Bankers Life ($134 monthly) and Mutual of Omaha ($152 monthly) are also affordable options in the state.
| State Farm | $127 | $41 | $1,524 | $492 |
| Bankers Life | $134 | $34 | $1,608 | $408 |
| Mutual of Omaha | $152 | $16 | $1,824 | $192 |
| Health Net | $155 | $13 | $1,860 | $156 |
| Globe Life | $159 | $9 | $1,908 | $108 |
| Transamerica | $160 | $8 | $1,920 | $96 |
| Cigna | $162 | $6 | $1,944 | $72 |
Personalized California Medicare Supplement Plan Recommendations
Finding your best Medicare Supplement plan depends on age and plan type. Compare rates using the filterable table below.
Data filtered by:
A
Select
No
| USAA | A | No | 65 | $120 | $0 | Attained Age Pricing |
| State Farm | A | No | 65 | $123 | $0 | Attained Age Pricing |
| Blue Cross Blue Shield | A | No | 65 | $131 | $0 | Attained Age Pricing |
| Health Net | A | No | 65 | $147 | $0 | Attained Age Pricing |
| United American | A | No | 65 | $150 | $0 | Attained Age Pricing |
| AARP | A | No | 65 | $150 | $0 | Community Pricing |
| Globe Life | A | No | 65 | $151 | $0 | Attained Age Pricing |
| Bankers Life | A | No | 65 | $157 | $0 | Attained Age Pricing |
| Anthem | A | No | 65 | $159 | $0 | Attained Age Pricing |
| Mutual of Omaha | A | No | 65 | $170 | $0 | Attained Age Pricing |
Medicare Supplement Plan Cost in California
In California, Medicare Supplement insurance costs average $200 monthly for 65-year-olds. Monthly premiums range from $106 to $272 across 10 standardized plan types, with Plan K costing the least and Plan F costing the most.
The most popular plans (Plan G, Plan F and Plan N) average $224, $272 and $168 monthly. Annual costs range from $1,272 to $3,264. Your actual premium depends on provider, age and your insurer's pricing style.
| A | $178 | $2,136 |
| B | $229 | $2,748 |
| C | $271 | $3,252 |
| D | $199 | $2,388 |
| F | $272 | $3,264 |
| G | $224 | $2,688 |
| K | $106 | $1,272 |
| L | $157 | $1,884 |
| N | $168 | $2,016 |
How to Choose the Best Medicare Supplement Plan
After choosing your plan type, you'll want to compare providers in California. Look for these key factors when evaluating Medicare Supplement companies.
- 1Assess Your Health Care Needs
How often do you see doctors? More coverage costs more monthly, but saves you money when you need care. If you have ongoing medical conditions requiring regular treatment, higher monthly premiums cost less overall through lower out-of-pocket expenses.
- 2Compare Plan Types
Plan G offers the broadest coverage for new Medicare beneficiaries. Plan N delivers similar benefits at lower premiums, with modest copays ($20 for doctor visits, $50 for emergency room). Plan F covers all out-of-pocket costs but is only available to those who enrolled in Medicare before 2020. Plans K and L have lower monthly costs but require you to pay a share of expenses until you hit an annual limit. Plans A, C and D cover the basics with varying benefit levels, while Plans B and M fill the gaps between basic and comprehensive coverage.
- 3Get Quotes From Multiple Providers
Get quotes from at least three companies to compare pricing. Insurers charge different rates for identical coverage, so shopping around ensures competitive rates.
- 4Check Pricing Style
Three pricing methods exist: Issue Age (locked at your enrollment age), Attained Age (rises as you age) and Community-Rated (same for everyone). Issue Age and Community-Rated plans save you money long-term compared to Attained Age pricing.
- 5Check Company Ratings
Cheaper premiums aren't worth it if your insurer delays claims or provides poor service. Check AM Best ratings for financial stability and customer satisfaction scores for service quality before choosing a plan.
- 6Enroll During Open Enrollment
Your six-month open enrollment window opens when you turn 65 and sign up for Medicare Part B. During this period, insurers must accept you regardless of health status. Miss the window, and you could face higher rates or an outright denial.
California Medicare Resources
California residents seeking help with Medicare options and coverage decisions can access multiple resources available at no cost.
- California HICAP: Trained volunteer counselors offer personalized guidance to help seniors understand Medicare, compare plans and avoid insurance fraud. The California Health Insurance Counseling and Advocacy Program provides free, confidential counseling on Medicare Supplement plans, Medicare Advantage and Part D prescription drug coverage. Visit California HICAP
- California Department of Insurance: Publishes rate comparisons for Medicare Supplement plans and runs a helpline to assist with insurance questions and complaints. The department offers consumer protection services and helps seniors identify and report insurance scams. Visit the California Department of Insurance
- California Area Agencies on Aging: Serves older adults with information and programs including Medicare enrollment assistance, benefits counseling and access to local community resources for seniors and caregivers. These agencies support elderly residents in maintaining their independence and well-being. Find Your Local Agency
- Medicare.gov: The official federal Medicare website has 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
Medicare Supplement Plans in California: FAQ
Below are answers to common questions about Medigap coverage for California residents.
When is Medicare Supplement open enrollment in California?
Medicare Supplement open enrollment begins when you turn 65 and enroll in Medicare Part B. This six-month window guarantees coverage regardless of health conditions. You can buy a Medicare Supplement plan anytime, but insurers can deny coverage or charge higher rates outside this period.
What are the most popular Medicare Supplement plans?
Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G offers comprehensive coverage with predictable out-of-pocket costs. Plan F provides the most complete coverage but is available only to those eligible before 2020. Plan N offers lower premiums with modest copayments ($20 for doctor visits, $50 for emergency room). Learn more about Medicare coverage.
Do you have to renew Medigap plans every year?
No. Medicare Supplement plans automatically renew as long as you pay premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans that require yearly review during open enrollment.
What's the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement plans work with Original Medicare to cover out-of-pocket costs like deductibles and copayments. Medicare Advantage plans replace Original Medicare entirely, providing an all-in-one alternative with different networks, costs and coverage rules. Supplement plans offer more provider flexibility. Advantage plans often include extras like dental and vision coverage.
Our Methodology
MoneyGeek collected California 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 California 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.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.