Best Medicare Supplement Plans in Michigan (2026)

Michigan seniors aged 65 can find Medicare Supplement coverage starting at $97 per month, per MoneyGeek's 2026 analysis of all 10 standardized plan types. Most Michigan insurers price premiums using Attained Age Pricing, which means costs rise as you get older. Issue Age Pricing locks in your rate at enrollment, which is how Transamerica prices Plans K and M. That distinction matters more the longer you hold the plan. 

Farm Bureau has the lowest rates across four plans: Plan A at $97, Plan N at $98, Plan D at $121 and Plan G at $125 per month. SilverScript leads for Plans B and F, Paramount leads for Plan C, and Transamerica leads for Plans K and M. Everence leads for Plan L.

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

Plan K's $100 per month rate is the cheapest Issue Age option in the state; Farm Bureau's Plan A at $97 is cheaper overall but uses Attained Age Pricing. Farm Bureau's Plan G, $125 per month at 65, rose to $220 per month at 75. Transamerica's Plan K, priced under Issue Age Pricing at enrollment, does not increase simply because you age.

Not every top pick will match your situation. Use the filters below to sort by plan type, age and budget.

At age 65 in Michigan, Medicare Supplement insurance premiums run $115 to $331 a month, depending on the plan letter. Benefits stay the same for a given letter, but prices can vary by insurer. 

Plan G is the most common choice and averages $254 per month at a mid-range price. But Plan K is the lowest at $115 monthly, and Plan C is the highest at $331. Plan N runs $223 monthly. Other lower-cost options include Plan L at $180, Plan M at $183 and Plan A at $196.

The spread between the cheapest and most expensive plan average is $216 per month, Plan K at $115 versus Plan C at $331. That gap is wider than the difference between the cheapest and most expensive provider for any single plan. Choosing the right plan letter matters more than choosing the right provider.

Medicare Supplement (Medigap) plans in Michigan follow federal standardization, so Plan G covers the same benefits no matter which insurer sells it. So the main difference you'll see is the monthly premium, which can vary by up to $129 for the same Plan G depending on the insurer.

Learn More: What Does Medicare Cover and Not Cover?

After choosing a plan type, compare Michigan providers using these benchmarks.

Michigan beneficiaries considering Medigap plans can turn to these organizations:   

• Michigan Medicare/Medicaid Assistance Program (MMAP): Free counseling through certified volunteers trained in Medicare and Medicaid regulations. Counselors help with plan comparisons, enrollment and fraud detection through the Senior Medicare Patrol program. Find services at Area Agencies on Aging locations statewide or call (800) 803-7174 to schedule an appointment or community presentation.
• Michigan Department of Insurance and Financial Services (DIFS): Submit complaints online or call (877) 999-6442, Monday through Friday, 8 a.m. to 5 p.m. Mail written complaints to P.O. Box 30220, Lansing, MI 48909. The Office of Consumer Services investigates disputes and answers policy questions but can't provide legal representation.
• 16 Area Agencies on Aging: Michigan's agencies coordinate more than 1,200 service providers delivering in-home care, meal programs, transportation and caregiver support across all 83 counties. Agencies operate under the Aging and Adult Services Agency and connect residents to local aging resources.
• Medicare.gov: Search plans by ZIP code. Michigan lets insurers use attained-age, issue-age or community rating methods for Medigap premiums.

Farm Bureau's Plan N at $98 per month is where most Michigan seniors turning 65 in good health should start. It covers hospital stays, skilled nursing care and foreign travel emergencies, with small copays at office visits and no Part A deductible exposure. That $98 rate is $125 below the Michigan average for Plan N.

Attained Age Pricing is the detail most seniors miss at enrollment. Seven of the 10 cheapest plans on this page use it, so your premium rises every year as you age. Transamerica's Plan K at $100 per month uses Issue Age Pricing instead. That rate stays fixed at whatever you pay on day one.

Everence is the only provider on this page without a publicly available AM Best rating. Verify its financial standing through the Michigan Department of Insurance and Financial Services before you enroll. For most Michigan seniors, Farm Bureau's rates are $99 to $144 below the Michigan average and its A (Excellent) AM Best rating makes it the clearest starting point.

These are answers to common questions about Medigap coverage in Michigan.

MoneyGeek collected data for all Medicare plans in Michigan 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 Michigan 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%): Community Pricing, Issue-Age Pricing and Attained Age Pricing are the three methods Michigan insurers use to set Medigap premiums. Community-rated plans score highest (1.0), issue-age plans score at 0.8 and attained-age plans score at 0.6. Under this scale, a slightly higher-cost community-rated plan can score higher overall than a cheaper 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.