Best Medicare Supplement Plans in North Dakota (2026)

Atlantic Capital has North Dakota's cheapest Plan G at $127 per month and Cigna has the lowest rates on Plan F at $144 and Plan N at $91. Every provider in MoneyGeek's North Dakota analysis uses either Attained Age or Issue Age pricing, no carrier currently offers community-rated plans in the state, Attained Age plans start cheaper and increase premiums every year. Issue Age plans lock your rate at enrollment. 

New Medicare beneficiaries who enrolled on or after January 1, 2020 cannot buy Plan F, Plan G is the most comprehensive option available to them. Seniors who enrolled before 2020 should price Plan F alongside Plan G before deciding. Shoppers with lower medical use who want to reduce monthly costs should look at Plans N, K and L before the higher-premium options.

*Prices are for 65-year-olds.   

For Plan G, Atlantic Capital's $127 monthly rate costs $12 below Cigna and $51 below the state average of $178. That $612 annual savings versus the state average equals 4.8 months of Atlantic Capital's own premium. Seniors eligible for Plan F should price Cigna's $144 rate before committing, the $17 monthly premium difference over Plan G eliminates all out-of-pocket costs at the point of care.

Atlantic Capital charges the least for Medicare Supplement Plan G in North Dakota at $127 a month. That's 29% below what most insurers charge.

Atlantic Capital's Plan G rate of $127 is $12 lower per month than Cigna's $139, the next-cheapest carrier in the state. State Farm's $160 rate is $18 below the $178 state average. At $139, Cigna prices $21 below State Farm. All seven Plan G providers price below the state average. The $39 gap from Atlantic Capital's $127 to AFLAC's $166.

Cigna charges the lowest Plan F rate in the state at $144 per month, which costs $92 below the average. Plan F provides the most complete Medicare Supplement coverage in North Dakota, but you can only buy it if you qualified for Medicare before 2020.

Cigna and Atlantic Capital price Plan F within $5 of each other ($144 and $149), every other carrier starts at $189, $40 monthly gap.

Plan N's $91 to $120 range across the seven providers shown is the tightest spread of any major plan type. Only $29 monthly separates the cheapest from the seventh. With rates clustered within $29, carrier quality, pricing style and plan availability carry more weight in the Plan N decision than they do in Plan G or Plan F shopping.

Finding your best Medicare Supplement plan depends on age and plan type.

Medicare Supplement insurance costs in North Dakota average $171 monthly for 65-year-olds in 2026, ranging from $84 to $245 across 10 standardized plan types. Plan K costs the least at $84 monthly while Plan C costs the most at $245.

The most popular plans: Plan G, Plan F and Plan N, average $178, $236 and $136 monthly. Annual costs range from $1,008 to $2,940. Your actual premium depends on the provider, your age and the insurer's pricing style.

The cost table shows why plan type selection matters more than carrier selection for some shoppers. Plan K at $84 monthly costs $94 less than Plan G at $178, a $1,128 annual difference, but Plan K requires you to pay 50% of most Medicare costs until you hit the annual out-of-pocket limit. For healthy seniors with low annual care use, that trade-off can work in their favor.

Once you've picked a plan type, compare North Dakota providers on these factors to find the lowest rate and best fit.

North Dakota residents seeking help with Medicare coverage selection and benefit understanding can access multiple resources at no cost.

• North Dakota Senior Health Insurance Counseling Program (ND SHIC): Certified volunteers offer personalized counseling to help seniors compare Medicare Supplement plans, Medicare Advantage and Part D coverage options. The program assists with enrollment questions, claims issues and provides unbiased guidance on understanding Medicare options. Visit North Dakota SHIC.
• North Dakota Department of Insurance: Publishes rate comparisons for Medicare Supplement plans and runs a helpline for insurance questions and complaints. The department offers consumer protection services and helps seniors identify and report insurance scams targeting Medicare beneficiaries. Visit North Dakota Department of Insurance.
• North Dakota Area Agencies on Aging: Serves older adults with Medicare enrollment assistance, benefits counseling and access to local community resources for seniors and caregivers. These agencies provide information and programs designed to support elderly residents throughout the state. Find your local agency.
• Medicare.gov: The official federal Medicare website has comprehensive information on all Medicare options, including a plan finder tool to compare Medicare Supplement, Medicare Advantage and Part D plans in your ZIP code. Visit Medicare.gov.

New Medicare beneficiaries (enrolled January 1, 2020 or later) should start with Atlantic Capital's Plan G at $127 a month. It is the cheapest Plan G in North Dakota and $51 below the state average. Transamerica uses Issue Age pricing for Plans K, L and M, which locks your premium at enrollment rather than increasing it each year. Price both before enrolling if long-term rate stability matters to you.

Seniors eligible for Plan F should compare Cigna's $144 rate against Atlantic Capital's $149. Cigna leads by $5 a month and $60 per year. Cigna saves $92 monthly against the state average. Atlantic Capital saves $87.

Shoppers who want the lowest possible monthly premium should look at Plan K through Transamerica at $75 monthly. Plan K carries cost-sharing requirements, so it works best for seniors with low annual medical use who want to keep fixed monthly costs down.

Common questions about Medicare Supplement insurance for North Dakota residents answered below.

MoneyGeek collected North Dakota Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise noted, this article references quotes for 65-year-olds.

We scored North Dakota Medigap companies across three categories to create a weighted score out of 5:

• Affordability (50%): Plans with lower monthly premiums receive higher scores.
• Pricing style (20%): We evaluated pricing structures based on long-term cost stability. Community Pricing earned the highest score (1.0), followed by Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with a higher starting premium may score better than a lower-cost attained-age plan because rates remain steady over time.
• Plan availability (30%): Insurers offering a wider selection of Medigap plans scored higher. Popular options, including Plans G, F and N, carried greater weight in the scoring process.