Best Medicare Supplement Plans in Ohio (2026)

LifeShield National offers the lowest Plan G rate in Ohio at $142 per month, $102 below the state average, per MoneyGeek's analysis. The insurer covers three plan types: A, F and G, with monthly premiums ranging from $141 to $142.

LifeShield does not offer high-deductible options or Plan N, which carries lower premiums with $20 copays for most doctor visits. The insurer uses attained-age pricing, so premiums increase annually with age. Ohio seniors who want the lowest Plan G starting rate and plan to reassess within five to seven years should request a LifeShield National quote first.

Skip LifeShield National if you want to lock in long-term premium stability. Its Attained Age Pricing means what starts as Ohio's lowest Plan G rate will outpace Issue Age competitors as you age. Seniors who expect to stay on the same plan for 15 or more years often pay less in total with an Issue Age carrier, even if the starting premium is higher. Transamerica and Everence both offer Issue Age pricing for those building toward a long-term hold.

MedMutual Protect leads Ohio's Plan F market at $135 monthly, $117 per month less than the state average for this plan. That difference adds up to $1,404 per year for identical Plan F benefits. The company covers four plan types: A, D, F and G, with monthly costs ranging from $52 to $199 for new enrollees.

Plan F is available only to those who enrolled in Medicare before January 1, 2020. MedMutual uses Attained Age Pricing.

MedMutual isn't the right fit if you're a new Medicare enrollee, Plan F closed to new beneficiaries in 2020, so most Ohio seniors shopping today won't qualify for MedMutual's lead product. The company also has no Plan N. If you're enrolling for the first time and want comprehensive coverage, LifeShield National's Plan G at $142 monthly is the closer comparison.

USAA leads Ohio's Plan A market at $117 monthly, $79 per month less than the state average for this plan. The insurer covers military members and their families exclusively. Plan availability in Ohio includes Plans A, F and G, with monthly costs ranging from $117 to $207.

USAA holds an A+ rating from AM Best. It uses Attained Age Pricing. Membership eligibility is limited to active duty, veterans, and their immediate family members.

USAA requires military affiliation, which immediately rules it out for most Ohio seniors. Even for those who qualify, its three-plan lineup leaves gaps: no Plan N, no Plan D and no cost-sharing options like K or L.

Veterans comparing USAA with broader carriers should note that USAA’s Plan G averages $158 monthly versus $142 from LifeShield National for the same coverage. The difference comes to $16 per month, or $192 annually. USAA’s customer service reputation may justify the higher premium for some members.

Aetna offers the lowest Plan B rate in Ohio at $196 per month, $57 below the state average, per MoneyGeek's analysis. Plan B covers the Part A deductible but not the Part B deductible, sitting between Plan A's basic coverage and Plan G's near-comprehensive protection. Aetna covers four plan types in Ohio: A, B, F and G, with monthly premiums ranging from $76 to $245 for 65-year-olds.

Aetna uses attained-age pricing, so premiums increase annually with age. The insurer has an established presence in the national Medicare Supplement market.

Plan B is a narrow fit, and Aetna's limited Ohio lineup reflects that. The company has no Plan C, D, K, L, M or N, meaning if your needs shift or Plan B turns out to be the wrong choice at renewal, you'll be shopping for a different carrier entirely. Ohio seniors who want one insurer to cover multiple plan types, or who may want to move to Plan G later, are better served by Transamerica, which covers nine plan types including most popular options. If you're still deciding between Medigap and managed care, see our review of the best Medicare Advantage plans in Ohio.

Paramount leads Ohio's Plan C market at $185 monthly, $118 per month less than the state average for this plan. Plan C is available only to beneficiaries who enrolled in Medicare before 2020. Paramount covers four plan types in Ohio: A, C, F and G, with premiums ranging from $135 to $245 for new enrollees. The company uses Attained Age Pricing.

Like Plan F, Plan C closed to new Medicare enrollees in 2020. Anyone enrolling today won't qualify. Paramount also has no Plan N, B, D, K, L or M. Of the top Ohio providers in our analysis, only LifeShield National and USAA have fewer plan types, both with three. For Ohio seniors who enrolled before 2020 and are specifically comparing Plan C carriers, Paramount's rate is the best we found. For anyone else, this carrier's Ohio footprint is too limited to be a practical first choice.

The Health Plan offers the lowest Plan D rate in Ohio at $154 per month, $43 below the state average, per MoneyGeek's analysis. The insurer covers five plan types in Ohio: A, C, D, F and G, with monthly premiums ranging from $76 to $344 depending on the plan. The Health Plan uses attained-age pricing, so premiums increase annually with age.

The Health Plan's gap is breadth: no Plan B, K, L, M or N. Ohio seniors who want Plan N, which has grown in popularity because of its lower premiums and predictable copays, won't find it here. The Health Plan also operates primarily as a regional carrier in eastern Ohio and West Virginia; if you live outside its core service area, availability may be limited. Verify your ZIP code is fully served before enrolling.

Transamerica leads Ohio's Plan K market at $82 monthly, $17 per month below the state average for this plan. Among Ohio Medigap providers, Transamerica has the broadest plan selection: A, B, C, D, F, G, K, L and M. Monthly premiums range from $82 to $404 for new enrollees. Transamerica holds an A+ rating from AM Best.

Transamerica uses Issue Age Pricing, so the premium is based on the age you enroll and increases only with general inflation rather than age. Ohio seniors who plan to keep the same plan past age 75 should prioritize Issue Age carriers. The pricing method matters more than the starting rate over a 10-year hold.

Transamerica's Plan G rate is $179 monthly, $37 more per month than LifeShield National's $142. If Plan G is your target and upfront cost is the priority, Transamerica won't be your lowest entry point. Plan K also has a cost-sharing structure: you pay 50% of most covered costs until you hit the annual out-of-pocket limit. That tradeoff works well for healthy 65-year-olds who rarely use care, but seniors with regular medical needs will often spend more out of pocket under Plan K than under Plan G, even accounting for the lower monthly premium.

Everence Association leads Ohio's Plan L market at $121 monthly, $49 per month below the state average for this plan. Everence is a faith-based organization that offers insurance and financial products primarily to members of Mennonite and Anabaptist communities, though membership is open to anyone who shares those values. The insurer covers four plan types in Ohio: A, F, G and L, with premiums ranging from $121 to $255 for new enrollees. Everence uses Issue Age Pricing.

Plan L covers 75% of most Medicare cost-sharing, with an annual out-of-pocket limit. It's a middle option between Plan K's 50% structure and Plan G's near-complete coverage.

Everence's limited plan selection, four types means most Ohio seniors won't find their preferred plan here. The company has no Plan N, B, C, D, K or M. Its faith-based model also means customer experience is shaped partly by community membership; for seniors who want a traditional insurer relationship without that context, the fit may not be right. Everence's Plan G rate of $200 monthly is also $58 higher than LifeShield National's $142, a gap of $696 per year for identical benefits.

New Era leads Ohio's Plan M market at $99 monthly, $26 per month below the state average for this plan. The company covers five plan types in Ohio: A, C, F, G and M. Monthly costs range from $39 to $240. New Era uses Attained Age Pricing.

Plan M covers 50% of the Part A deductible but not the Part B deductible. It's the right fit for beneficiaries who rarely need inpatient hospital care.

New Era has no Plan N, B, D, K or L. Its cheapest offering, $39 monthly, reflects a Plan A structure with limited benefits. The $26 monthly savings over Plan M's state average comes with Attained Age Pricing. That gap will narrow as annual premium increases accumulate. New Era also doesn't list a Plan G option in its Ohio lineup despite it appearing in the overview table, verify current plan availability directly before enrolling.