Best Medicare Supplement Plans in Florida (2026)

Globe Life, State Farm, Everence Association Inc., AARP and Blue Cross Blue Shield are the best Medicare Supplement companies in Florida. These providers have the lowest rates in our Florida analysis across the 10 standardized Medigap plan types. For 65-year-olds, Globe Life leads four plan types, including Plan A at $186 per month, Plan B at $244, Plan F at $285 and Plan N at $225.

The lowest-cost insurer varies by plan type. State Farm has the lowest rates for Plans C and D, Everence Association Inc. for Plans G and L, AARP for Plan K and Blue Cross Blue Shield for Plan M. Pricing can vary widely between insurers for the same plan type, even though standardized Medigap plans include the same benefits regardless of the company. Globe Life's $285 Plan F rate, for example, is $150 below Florida's $435 average, a difference of $1,800 per year.

* These rates reflect statewide average Medigap premiums for 65-year-olds. Individual rates will vary based on location and age. All of the Florida providers in our analysis use issue-age pricing. With issue-age pricing, your age at enrollment helps determine your initial premium. Your rate doesn't increase due to your age, but it can still increase due to inflation or other factors.

Use the filterable table below to compare all Florida Medicare Supplement companies based on your needs.

Average Medicare Supplement premiums for 65-year-olds in Florida range from $137 per month for Plan K to $435 for Plan F, a $298 monthly difference. Plan G averages $361 per month and Plan N averages $280, while Plans L, A and M average $233, $331 and $338, respectively.

Premium differences reflect different levels of cost sharing and coverage. Plan K has the lowest average premium at $137 but pays 50% of most covered Medigap cost-sharing until its annual out-of-pocket limit is reached. Plan G costs $224 more per month at $361 and covers all standardized Medigap cost-sharing except the Part B deductible. Compare the guaranteed premium difference with the amount of cost sharing you're comfortable accepting rather than choosing a plan based on premium alone.

Choose a Florida Medicare Supplement plan by balancing monthly premiums against the cost sharing you're willing to pay when you use Original Medicare. Plan G provides broader cost-sharing coverage but averages $361 per month for 65-year-olds in Florida, while Plan N averages $280 and Plan K averages $137. That puts the average monthly savings at $81 for Plan N and $224 for Plan K compared with Plan G, but both require beneficiaries to accept more out-of-pocket costs.

After choosing a Medigap plan letter, compare insurers on premium, pricing method and company-specific features. Benefits for the same standardized Medigap letter are the same across insurers, but there are meaningful premium differences. For example, Plan G costs $263 per month at Everence Association Inc. and $316 at State Farm for a 65-year-old, a $636 annual difference, even though they include the same benefits.

Florida Medicare beneficiaries can get free enrollment and coverage assistance through state and federal resources, including SHINE, the Florida Department of Financial Services, Area Agencies on Aging and Medicare.gov.

• SHINE (Serving Health Insurance Needs of Elders): SHINE provides free, unbiased counseling to Medicare beneficiaries in Florida. It offers one-on-one assistance with plan comparisons, fraud prevention and guidance on health insurance options.
• Florida Department of Financial Services: The Florida Department of Financial Services offers Medicare Supplement services, including rate comparisons and consumer protection. It also runs a consumer hotline for assistance.
• Florida Area Agencies on Aging: The Florida Area Agencies on Aging assists seniors, people with disabilities and caregivers with Medicare enrollment and benefits counseling. It provides programs and resources for older adults.
• 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

MoneyGeek collected Florida Medicare Supplement rate data for 65- and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise stated, the rankings, provider comparisons and premiums cited in this article reflect statewide quotes for 65-year-olds.

We scored Medigap companies in Florida 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.