State Farm has Pennsylvania's lowest rates across four major categories: Plan G at $159 monthly, Plan N at $123 monthly, Plan A at $112 monthly and Plan D at $158 monthly. Nassau charges $203 monthly for Plan F, while AARP has the cheapest Plan K at $82 monthly. Pennsylvania beneficiaries pay $39 to $646 monthly depending on age, plan type and insurer pricing method.
Best Medicare Supplement Plans in Pennsylvania (2026)
Updated: February 1, 2026
Advertising & Editorial Disclosure
Key Takeaways
State Farm provides Pennsylvania's cheapest Plan G and Plan N rates while Nassau has the lowest Plan F.
Pennsylvania's Medicare Supplement premiums run $39 to $646 monthly depending on which plan you choose.
Shop multiple carriers and evaluate plan restrictions, benefits and availability to determine your best fit.
Best Medicare Supplement Plans in Pennsylvania
| State Farm | A | $112 | $134 | Attained Age Pricing |
| USAA | B | $154 | $124 | Attained Age Pricing |
| Wisconsin Physicians Service | C | $200 | $198 | Attained Age Pricing |
| State Farm | D | $158 | $66 | Attained Age Pricing |
| Nassau | F | $203 | $165 | Attained Age Pricing |
| State Farm | G | $159 | $166 | Attained Age Pricing |
| AARP | K | $82 | $47 | Attained Age Pricing |
| Everence Association Inc. | L | $122 | $83 | Issue Age Pricing |
| New Era | M | $128 | $29 | Attained Age Pricing |
| State Farm | N | $123 | $131 | Attained Age Pricing |
*Prices are for 65-year-olds.
Nassau
MoneyGeek Rating
4.3/ 5
4.7/5Affordability
4/5Pricing Style
3.5/5Plan Availability
Average Plan G Rate
$177Plan Types
A, B, F, G, N
USAA
MoneyGeek Rating
4.5/ 5
4.8/5Affordability
4.3/5Pricing Style
4.1/5Plan Availability
Average Plan G Rate
$193Plan Types
A, B, F, G, N
Wisconsin Physicians Service
MoneyGeek Rating
4.2/ 5
4.6/5Affordability
3.9/5Pricing Style
3.4/5Plan Availability
Average Plan G Rate
$199Plan Types
A, B, C, F, G, N
AARP
MoneyGeek Rating
4.2/ 5
4.2/5Affordability
4.2/5Pricing Style
3.9/5Availability
Average Plan G Rate
$216Plan Types
A, B, C, F, G, K, L, N
Everence
MoneyGeek Rating
4.1/ 5
4.7/5Affordability
3.7/5Pricing Style
3.1/5Availability
Average Plan G Rate
$219Plan Types
A, B, F, G, L, N
New Era
MoneyGeek Rating
4.3/ 5
4.7/5Affordability
4.1/5Pricing Style
3.5/5Availability
Average Plan G Rate
$NonePlan Types
A, B, C, D, F, G, M, N
State Farm
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4.3/5Pricing Style
4.2/5Availability
Average Plan G Cost
$159Plan Types
A, D, G, N
Best Medicare Supplement Plan G in Pennsylvania
State Farm charges $159 monthly for Plan G in Pennsylvania, 31% below the state average while Globe Life costs $168 and Nassau charges $177 monthly for the same coverage. Annual costs for Plan G range from $1,908 to $2,316 with the top seven companies.
| State Farm | $159 | $70 | $1,908 | $840 |
| Globe Life | $168 | $61 | $2,016 | $732 |
| Nassau | $177 | $52 | $2,124 | $624 |
| Wellcare | $180 | $50 | $2,154 | $600 |
| Physicians Select | $182 | $47 | $2,184 | $564 |
| MedMutual Protect | $184 | $45 | $2,208 | $540 |
| USAA | $193 | $36 | $2,316 | $432 |
Best Medicare Supplement Plan F in Pennsylvania
Pennsylvania's Plan F premiums range from $203 to $239 monthly based on your insurer's pricing method and deductible options. Nassau charges $203 monthly, Wellcare at $206 per month and USAA costs $221 monthly for the same coverage. These three companies save residents $912, $876 and $696 annually.
| Nassau | $203 | $76 | $2,436 | $912 |
| Wellcare | $206 | $73 | $2,472 | $876 |
| USAA | $221 | $58 | $2,652 | $696 |
| Wisconsin Physicians Service | $221 | $58 | $2,652 | $696 |
| Globe Life | $227 | $52 | $2,724 | $624 |
| MedMutual Protect | $227 | $52 | $2,724 | $624 |
| AFLAC | $239 | $40 | $2,868 | $480 |
Best Medicare Supplement Plan N in Pennsylvania
Pennsylvania's Plan N premiums range from $123 to $144 monthly based on pricing method. State Farm charges $123 monthly, 29% below average, saving $600 annually.
| State Farm | $123 | $50 | $1,476 | $600 |
| Nassau | $127 | $46 | $1,524 | $552 |
| Wellcare | $134 | $40 | $1,602 | $480 |
| Globe Life | $137 | $36 | $1,644 | $432 |
| AFLAC | $139 | $34 | $1,668 | $408 |
| MedMutual Protect | $143 | $30 | $1,716 | $360 |
| Bankers Life | $144 | $29 | $1,728 | $348 |
Personalized Pennsylvania Medicare Supplement Plan Recommendations
The filterable table below shows Pennsylvania Medicare Supplement rates organized by plan type, age and deductible options. Select your criteria in the filters to view rates matching your situation.
Data filtered by:
A
Select
No
| State Farm | A | No | 65 | $112 | $0 | Attained Age Pricing |
| USAA | A | No | 65 | $125 | $0 | Attained Age Pricing |
| AARP | A | No | 65 | $128 | $0 | Attained Age Pricing |
| United American | A | No | 65 | $152 | $0 | Attained Age Pricing |
| Globe Life | A | No | 65 | $157 | $0 | Attained Age Pricing |
| Wisconsin Physicians Service | A | No | 65 | $158 | $0 | Attained Age Pricing |
| Blue Cross Blue Shield | A | No | 65 | $164 | $0 | Attained Age Pricing |
| Transamerica | A | No | 65 | $165 | $0 | Issue Age Pricing |
| Wellcare | A | No | 65 | $172 | $0 | Attained Age Pricing |
| Mutual of Omaha | A | No | 65 | $172 | $0 | Attained Age Pricing |
Medicare Supplement Plan Cost in Pennsylvania
In Pennsylvania, Medicare Supplement insurance costs average $258 monthly for 65-year-olds. Monthly prices range from $129 to $398 across 10 standardized plan types, with Plan K costing least and Plan C costing most.
Plan G averages $325 monthly despite being Pennsylvania's most popular choice. It saves beneficiaries money through lower out-of-pocket expenses when they need care. Plan F averages $368 monthly but is only available to beneficiaries who enrolled in Medicare before January 1, 2020, per federal regulations. Plan N balances coverage and cost at $254 monthly, requiring copays of up to $20 for doctor visits and up to $50 for emergency room visits.
| A | $246 | $2,952 |
| B | $278 | $3,336 |
| C | $398 | $4,776 |
| D | $224 | $2,688 |
| F | $368 | $4,416 |
| G | $325 | $3,900 |
| K | $129 | $1,548 |
| L | $205 | $2,460 |
| M | $157 | $1,884 |
| N | $254 | $3,048 |
How to Choose the Best Medicare Supplement Plan
Choosing between Pennsylvania's Medicare Supplement insurers requires comparing more than just monthly premiums. Your selection process should evaluate pricing methods that affect long-term costs, company financial strength that confirms claims-paying ability, and plan availability that matches your coverage needs.
- 1Assess Your Health Care Needs
Do you travel frequently? How often do you see doctors? More coverage costs more monthly but saves you money when you need care. If you have ongoing medical conditions requiring regular treatment, higher monthly premiums cost less overall through lower out-of-pocket expenses.
- 2Compare Plan Types
Plan G offers the most coverage for new Medicare beneficiaries. Plan N provides similar benefits with lower premiums plus modest copays ($20 for doctor visits, $50 for emergency room). Plan F, available only if you enrolled in Medicare before 2020, covers all out-of-pocket costs. Plans K and L cost less monthly but require you to pay a percentage of costs until you hit an annual limit. Plans A, C and D cover basics with varying benefit levels. Plans B and M fill specific gaps between basic and comprehensive coverage.
- 3Get Quotes From Multiple Providers
Get quotes from at least three companies to ensure competitive rates. Insurers charge different rates for identical coverage.
- 4Check Pricing Style
Three pricing methods exist: Issue Age (locked at your enrollment age), Attained Age (rises as you age) and Community-Rated (same for everyone). Issue Age and Community-Rated plans save you money long-term.
- 5Check Company Ratings
Check AM Best ratings for financial stability and customer satisfaction scores for service quality. Cheaper premiums aren't worth it if your insurer delays claims or provides poor service.
- 6Enroll During Open Enrollment
Enroll during the six-month window starting when you turn 65 and sign up for Medicare Part B. You're guaranteed acceptance regardless of health conditions. Wait longer, and insurers may charge more or deny coverage.
Pennsylvania Medicare Resources
Pennsylvanians looking for free Medicare resources can look into some of the options below:
- Pennsylvania Medicare Education and Decision Insight (MEDI): Trained volunteers offer unbiased guidance on Medicare Supplement, Medicare Advantage and Part D prescription drug coverage. The program helps seniors understand Medicare, compare plans and avoid insurance fraud through free, confidential individual counseling. Visit Pennsylvania MEDI
- Pennsylvania Insurance Department: Publishes rate comparisons for Medicare Supplement plans and runs a helpline to assist with insurance questions and complaints. The department offers consumer protection services and helps seniors identify and report insurance scams. Visit the Pennsylvania Insurance Department
- Pennsylvania Association of Area Agencies on Aging (P4A): Connects older adults with local Area Agencies on Aging that provide assistance with Medicare enrollment, benefits counseling and access to community resources for seniors and caregivers. The association aims to enhance the quality of life for elderly residents statewide. Find Your Local Agency
- Medicare.gov: The official federal Medicare website offers comprehensive information on all Medicare options, including a plan finder tool to compare Medicare Supplement, Medicare Advantage and Part D plans available in your ZIP code. Visit Medicare.gov
Medicare Supplement Plans in Pennsylvania: FAQ
Below are answers to common questions about Medigap coverage in Pennsylvania.
When is Medicare Supplement open enrollment in Pennsylvania?
Medicare Supplement open enrollment begins when you turn 65 and enroll in Medicare Part B. This six-month window guarantees coverage regardless of health conditions. You can buy a Medicare Supplement plan anytime, but insurers can deny coverage or charge higher rates outside this period.
What are the most popular Medicare Supplement plans?
Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G offers comprehensive coverage with predictable out-of-pocket costs. Plan F provides the most complete coverage but is available only to those eligible before 2020. Plan N offers lower premiums with modest copayments ($20 for doctor visits, $50 for emergency room). Learn more about Medicare coverage.
Do you have to renew Medigap plans every year?
No. Medicare Supplement plans automatically renew as long as you pay premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans that require yearly review during open enrollment.
What's the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement plans work with Original Medicare to cover out-of-pocket costs like deductibles and copayments. Medicare Advantage plans replace Original Medicare entirely, providing an all-in-one alternative with different networks, costs and coverage rules. Supplement plans offer more provider flexibility. Advantage plans often include extras like dental and vision coverage.
Our Methodology
MoneyGeek collected Pennsylvania 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 Pennsylvania Medigap companies across three categories to create a weighted score out of 5:
- Affordability (50%): Lower monthly premiums earn higher scores.
- Pricing style (20%): We scored pricing methods based on long-term stability and fairness: Community Pricing (1.0), Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums stay stable as you age.
- Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.