Best Medicare Supplement Plans in Idaho (2026)

Idaho's cheapest Medicare Supplement premiums for 65-year-olds range from $86 to $247 a month, based on our review of the most affordable providers across all 10 standardized plan types. These plans keep monthly costs low and still cover the common gaps Original Medicare leaves behind.

Globe Life posts the lowest prices on four widely selected plans, including Plan G at $201 a month and Plan B at $193. Blue Cross Blue Shield sells the most affordable Plan A, MedMutual Protect has the lowest rate on Plan D, and AARP prices Plans K and L below the competition.

Transamerica has the lowest rate for Plan M. State Farm has the best value for Plan N. Globe Life's Plan C and Plan F both cost $247 a month. Together, these options save Idaho seniors up to $77 a month compared to state averages.

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

Your specific situation may call for different coverage than what's popular. Use the filterable table below to discover your best option among Idaho Medicare Supplement companies.

For 65-year-olds in Idaho, Medicare Supplement insurance premiums run $114 to $324 a month, based on the plan letter you pick. The spread comes from how much each plan covers, and insurers can price the same letter differently.   

Plan K is the lowest at $114 per month, and Plan C is the highest at $324. Idaho shoppers choose Plan G; it averages $242 monthly for coverage at a middle price. Plan N averages $193 if you want strong benefits for less. Plan L runs $184, and Plan A averages $215 each month.

When you're shopping for Medicare Supplement coverage in Idaho, you'll find that plans are standardized by federal law. Plan G offers identical benefits regardless of which company sells it, so you don't need to worry about coverage differences. Companies compete mainly on price for this identical coverage, and learning what each plan type covers lets you pick the best trade-off between premiums and expenses.

Learn More: What Does Medicare Cover and Not Cover?

Once you’ve chosen a Medigap plan letter, you still need to decide which Idaho company to buy it from. Premiums, customer service and future rate increases change for that plan letter, even if benefits don’t. Use these checks to narrow down your Medicare Supplement options.

Idaho beneficiaries seeking Medicare Supplement guidance can use these state programs:   

• Senior Health Insurance Benefits Advisors (SHIBA): Idaho's State Health Insurance Assistance Program operates through the Idaho Department of Insurance with regional offices in Boise, Coeur d'Alene and Pocatello. Certified Medicare counselors offer workshops, webinars and one-on-one counseling sessions covering Medicare Advantage, Medigap, Part D prescription coverage and Medicare Savings Programs eligibility. Call the SHIBA Medicare Helpline at (800) 247-4422 for appointments with volunteer counselors serving communities statewide. SHIBA also coordinates the Senior Medicare Patrol program, which educates beneficiaries about avoiding healthcare fraud.
• Idaho Department of Insurance - Consumer Affairs: The Consumer Affairs section investigates complaints about insurance companies and agents, including Medicare Supplement insurers. File complaints online using the department's consumer portal, or submit written complaints by fax to (601) 359-1077 or email to consumer@mid.ms.gov. Contact Consumer Affairs at (208) 334-4250 or toll-free at (800) 721-3272 for questions about whether your complaint involves an insurance matter. Consumer Affairs Officers act as unbiased resources to help resolve disputes between consumers and insurers.
• Idaho Commission on Aging - Area Agencies: Six Area Agencies across Idaho connect residents to Older Americans Act-funded programs through an interactive resource map showing county-specific services. Programs include congregate meals at senior centers, home-delivered meals for homebound seniors, transportation assistance, caregiver respite services, and adult protective services investigating abuse and exploitation reports. The Access Program serves as the entry point to services, with options counselors assessing needs and linking individuals to community programs.
• Medicare.gov: Search for Medicare Supplement plans by ZIP code to compare insurers licensed in Idaho. Idaho uses community-rated pricing, meaning premiums stay the same regardless of age or health status. The state's unique "birthday rule" lets current policyholders switch to equal or lesser coverage plans during a 63-day window starting on their birthday without medical underwriting.

We answer common questions about Medigap coverage in Idaho:

MoneyGeek collected data for all Medicare plans in Idaho 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 scored Medigap companies in Idaho 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.