Best Medicare Supplement Plans in Iowa (2026)

Lowa is a guaranteed-issue state for Medigap during your open enrollment window, which means every insurer must accept you at age 65 regardless of health, but that protection expires when your six-month window closes. After that, only a few Iowa insurers write new policies without medical underwriting, which is why picking the right carrier at 65 matters more than most seniors realize.

Pricing across Iowa's Medigap market is less compressed than in higher-population states. When we pulled Plan G rates across Iowa providers, the spread ran from $128 per month at MedMutual Protect to $214 at Transamerica, an $86 monthly gap for identical coverage. The insurer you choose at enrollment can cost or save you more than $1,000 per year on the exact same plan.

Transamerica has the best rates across several popular plans, including Plan K at $74 per month and Plan L at $110 per month. Transamerica also prices Plan D at $165 and Plan B at $187 per month. State Farm prices Plan A at $124 monthly. Philadelphia American covers Plans C and M, and MedMutual Protect has the lowest rates for Plans F, G and N. These low-cost options save Iowa seniors $19 to $112 per month compared to average state rates.

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

Transamerica is the only Iowa provider in MoneyGeek's Iowa analysis that prices Plans B, D, K and L under Issue Age Pricing, which locks your rate at your enrollment age rather than raising it every year. For Iowa seniors who want cost-sharing Plans K or L with rate stability, Transamerica has no competition in the state. Every other provider on this table uses Attained Age Pricing, so premiums will climb annually regardless of which carrier you choose for Plans A, C, F, G, M or N.

Your starting point depends on how you use health care. Seniors who see specialists regularly or want no claims surprises at renewal should start with Plan G at $128 per month from MedMutual Protect. Those focused on keeping the monthly bill low and willing to pay a share of costs at the time of care should start with Plan K at $74 per month from Transamerica. The table below lets you compare every Iowa provider for your chosen plan type and age.

At age 65 in Iowa, Medicare Supplement insurance costs from $93 to $277 a month on average. Rates vary by insurer and within the state.

Plan G is Iowa's most popular plan at $210 per month. Plan K is the cheapest at $93 monthly. Plan C is at the other end at $277. Plan N averages $160 a month. And other lower-cost picks include Plan M at $133, Plan L at $163 and Plan A at $180 monthly.

A $184 monthly gap separates Iowa's cheapest plan (Plan K at $93) from the most expensive (Plan C at $277). Plan G is almost exactly in the middle at $210. It covers everything Plan C covers except the Part B deductible, at $67 less per month on average.

Medicare Supplement plans in Iowa are standardized by federal law. Each plan type helps you balance premiums and out-of-pocket costs.

Learn More: What Does Medicare Cover and Not Cover?

These factors determine which insurer offers the best value for your coverage needs.

MoneyGeek's Iowa ratings score all three factors above. Cost carries the most weight at 50%, with plan availability at 30% and pricing method stability making up the remaining 20%. The providers that score highest on all three aren't always the same ones that rank first on price alone. MedMutual Protect scores 4.5/5 overall despite using Attained Age Pricing because its Plan G, F and N rates are the lowest in the state. Transamerica scores 4.6/5 because Issue Age Pricing stability partially offsets its higher Plan G rate. Running both criteria together, not just the monthly cost, is what separates the right choice from the cheapest one.

If you live in Iowa and need support selecting Medicare Supplement coverage, these organizations specialize in Medicare guidance and consumer protection: 

• Senior Health Insurance Information Program (SHIIP): Iowa's version of SHIP connects Medicare beneficiaries with trained volunteers who explain coverage options without charging fees or selling insurance. SHIIP volunteers compare Medicare Supplement plans, Medicare Advantage options and Part D prescription drug coverage during one-on-one counseling sessions. Schedule appointments by calling (800) 351-4664 or contact your local Area Agency on Aging.
• Iowa Insurance Division: File complaints about claim delays, billing errors or coverage denials with Medicare Supplement insurers. The Consumer Protection Bureau investigates disputes between policyholders and insurance companies, mediates resolutions and enforces Iowa insurance laws. Submit complaints online or call (877) 955-1212 toll-free. The division also publishes rate comparison guides for Medicare Supplement policies sold in Iowa.
• Iowa Department on Aging: Coordinates aging services through 13 Area Agencies on Aging that serve all 99 Iowa counties. Each agency connects seniors to local programs including Medicare counseling through SHIIP, nutrition assistance, transportation services and caregiver support. Find your local Area Agency on Aging by calling (515) 725-3333 or visiting the department's website.
• Medicare beneficiaries can also compare coverage options statewide using Medicare.gov's plan finder tool to search Medicare Supplement plans available in their ZIP code.

My verdict for most Iowa 65-year-olds: Plan G from MedMutual Protect at $128 per month is the clearest value on this page. You get comprehensive coverage with no claims surprises, the lowest Plan G rate in the state, and a $16 monthly savings over the next-lowest option. The only reason to go elsewhere is if the lowest possible monthly premium is your first priority. Transamerica's Plan K at $74 locks in a rate that won't rise the way Attained Age plans will.

Frequently asked questions about Medigap coverage for Iowa residents answered below:

MoneyGeek collected plan and pricing data for all Medicare Supplement policies sold in Iowa using the plan comparison tool at Medicare.gov. Rates were pulled for a 65-year-old nonsmoker and a 75-year-old nonsmoker in May 2026. Rate availability and pricing method were confirmed for each carrier and plan type individually.

MoneyGeek's Iowa Medigap scores use a weighted scale out of 5, built on three categories:

• Affordability (50%):The monthly premium is the dominant factor. Providers with the lowest rates for each plan type score highest.
• Pricing style (20%): Community Pricing scores 1.0, Issue-Age Pricing 0.8 and Attained-Age Pricing 0.6. A higher-cost community-rated plan can outscore a cheaper attained-age plan because long-term rate stability matters, not just the opening premium.
• Plan availability (30%): Providers offering more plan types score higher, with extra weight given to Plan G, Plan F and Plan N as the most commonly selected options in Iowa.