Best Medicare Supplement Plans in Pennsylvania (2026)

State Farm has Pennsylvania's lowest rates across four major categories: Plan G at $159, Plan N at $123, Plan A at $112 and Plan D at $158. Nassau charges $203 for Plan F, while AARP has the cheapest Plan K at $82. Pennsylvania beneficiaries pay $39 to $646 monthly depending on age, plan type and insurer pricing method.

*Prices are for 65-year-olds.   

The $34 monthly gap adds up to $408 annually for a benefit set standardized by federal law. Every Plan G covers the same hospitalizations and Part B co-insurance. The only gap is the Part B deductible.

Everence is the only carrier in MoneyGeek's Pennsylvania analysis that covers Issue Age Pricing, which locks your rate at enrollment age. Attained Age Pricing, used by every other carrier here, increases your premium each year you hold the policy.

State Farm's Plan G rate of $159 per month is the lowest among the seven carriers in this comparison, 31% below their average of $229. Globe Life is next at $168, and Nassau charges $177. Annual Plan G costs across these seven carriers run from $1,908 (State Farm) to $2,316 (USAA).

USAA's Plan G rate of $193 is the highest, $36 below the table average of $229, but $34 above State Farm. USAA's higher rate reflects its AM Best A++ rating and strong service scores.

Pennsylvania's Plan F rates range from $203 (Nassau) to $239 (AFLAC) among the seven carriers in this analysis. Plan F covers all standard Medicare cost-sharing and the Part B deductible, but it's only available to beneficiaries who enrolled in Medicare before January 1, 2020. Nassau, Wellcare and USAA have the three lowest Plan F rates and saves enrollees $912, $876 and $696 annually compared to the table average of $279.

AFLAC's Plan F rate of $239 is the highest in this set, $36 more per month than Nassau for the same federally standardized coverage. If you currently hold Plan F at any carrier above $220 and you are still eligible (enrolled before 2020), Nassau or Wellcare may be worth requesting a quote from directly.

Pennsylvania's Plan N rates range from $123 (State Farm) to $144 (Bankers Life) among the seven carriers in this comparison. State Farm's rate is 29% below the table average of $173, saving $600 annually. Plan N requires a $20 copay for most office visits and a $50 copay for emergency room visits that don't result in an inpatient admission.

Plan N covers the same hospitalizations as Plan G. At $71 less per month, that saves $852 annually. The $20 office-visit copay reduces that advantage by $20 per visit.

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.

Pennsylvania's average Medicare Supplement premium is $258 per month for 65-year-olds. Rates span from $129 (Plan K) to $398 (Plan C) across the 10 standardized plan types.

Plans K and L are the cost-sharing plans. Plan K costs $129 and requires you to pay 50% of most covered services until a $7,220 annual out-of-pocket cap is reached. Plan L works the same way at a 25% co-insurance rate and a $3,610 annual cap. Both make sense for very healthy beneficiaries who rarely use Medicare services.

Pennsylvania has 10 standardized Medigap plan types and more than 30 carriers. Plan type sets your coverage. Your choice of carrier sets your cost and pricing method.

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

We answer common questions about Medigap coverage in Pennsylvania.

MoneyGeek collected rate data for all carriers available through Medicare.gov for Pennsylvania ZIP codes. Data was pulled in May 2026 and covers 65-year-old and 75-year-old nonsmoker profiles across all available plan types and deductible options. Unless otherwise noted, this article references rates 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 scores 1.0, Issue-Age Pricing scores 0.8 and Attained-Age Pricing scores 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.