Best Medicare Supplement Plans in Connecticut (2026)

United American has the lowest rates for Plan A at $222 per month and Plan C at $482 per month. ConnectiCare has the lowest rates for Plans B and F. Transamerica has the lowest rates for Plans D and M. Cigna has the lowest rates for Plans G and N. AARP has the lowest rates for Plans K and L. These providers save Connecticut seniors up to $292 per month compared to state average rates.  Monthly premiums for seniors aged 65 range from $88 to $482.

*These rates reflect Medigap premiums for 65-year-olds.

Your coverage needs may differ from these top picks. Compare insurers on premium, rate-increase history and customer satisfaction scores before committing to a plan.

Medicare Supplement insurance for 65-year-olds in Connecticut ranges from $116 to $514 a month, depending on the plan letter. Plan K is at the low end at $116 per month and Plan A is the priciest on average at $514. Plan G averages $344 monthly and is the most commonly chosen Medigap plan in Connecticut. Plan N is $124 less at $220 per month and suits seniors in good health who can absorb a $20 copay per office visit. For lower monthly costs, Plan L averages $183, Plan M $228 and Plan D $369.

The $228 gap between Plan K ($116 a month) and Plan G ($344 a month) reflects a real tradeoff. Plan K covers 50% of most Medicare costs, with an $8,000 out-of-pocket cap. 

Plan G covers nearly everything Original Medicare doesn't, with no annual out-of-pocket limit beyond the Part B deductible. For most Connecticut seniors, the question isn't which plan is cheapest monthly. It's which plan costs less when you actually use it.

Plan G is the right choice for most Connecticut seniors shopping at 65. Federal standardization means benefits are identical across all insurers for the same plan letter, only the premium, pricing structure and insurer's rate-increase history differ.

Learn More: What Does Medicare Cover and Not Cover?

Compare insurers on premium, rate-increase history and customer satisfaction scores. For Plan G, the gap between the cheapest insurer (Cigna at $246) and the most expensive (Mutual of Omaha at $462) is $216 per month for identical benefits.

Connecticut Medicare Resources

Sorting out Medicare can feel overwhelming, especially when you're comparing Medigap rates, Part D drug plans and Medicare Advantage options. These Connecticut resources can help you find answers.

• CHOICES (Connecticut's SHIP program): Get free, unbiased, one-on-one counseling from trained volunteers. CHOICES can walk you through enrollment timing, compare Medicare Advantage and Part D plans and explain Medicare Supplement (Medigap) options. Call 1-800-994-9422.
• Connecticut Insurance Department: If you have a billing issue, a coverage dispute or a problem with an insurer, including Medigap, the Consumer Affairs team can help. Call (800) 203-3447 or (860) 297-3900, or file a complaint online. This is also a good starting point if you want official state Medigap guidance before you shop.
• Connecticut Area Agencies on Aging: Your local Area Agency on Aging connects you to benefits counseling and everyday support like meals, transportation, caregiver help and community programs. The page lists agencies by region with phone numbers so you can reach the one that serves your town.
• Connecticut Office of the Healthcare Advocate: If you're dealing with a denial, an appeal or a complex insurance problem, OHA offers free help and advocacy for Connecticut residents. Call 866-466-4446 or email healthcare.advocate@ct.gov.
• Medicare.gov: The official federal tool for comparing Medicare Advantage and Part D plans by ZIP code. Use it to check costs, coverage and plan availability in your area.

For most Connecticut seniors shopping at 65 for Plan G, Cigna is the right starting point. At $246 per month, it's the lowest Plan G rate in MoneyGeek's Connecticut analysis, $98 below the state average of $344. But Cigna uses Attained Age Pricing, so your premium will climb with each birthday.

United American is the better pick if you expect to keep your plan for 10 or more years. Its Issue Age Pricing locks in your rate at enrollment. At $411 for Plan G, it may cost less over a decade than an Attained Age plan that started lower. Run the numbers before you choose.

MoneyGeek collected data for all Medicare plans in Connecticut for 65-year-olds and 75-year-olds, 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 pulled rates in June 2026 for a 65-year-old non-tobacco user in Connecticut using the Medicare.gov plan finder, covering all 10 standardized Medigap plan letters and all available insurers in the state.

We scored Medigap companies in Connecticut 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 availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular plan types like Plan G, Plan F and Plan N.