State Farm has Pennsylvania's lowest Medicare Supplement rates for 65-year-olds in Plans G, N, A and D. Its $159 Plan G is $166 below the $325 state average, the difference that matters most to people first eligible for Medicare in 2020 or later, for whom Plan G is the most complete option.
Best Medicare Supplement Plans in Pennsylvania (2026)
Updated: October 11, 2026
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Key Takeaways
State Farm's Plan G costs $159 a month at 65, $34 less than USAA's $193 for identical coverage, which saves new enrollees $408 a year.
Nassau's $203 Plan F is open only to people first eligible before 2020. State Farm's $159 Plan G costs $245 less yearly, deductible included.
AARP's $82 Plan K saves $924 yearly over State Farm's Plan G for rare doctor users, but 2026 out-of-pocket costs can reach $8,000.
Best Medicare Supplement Companies in Pennsylvania by Plan
| 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 |
*Rates are for 65-year-olds. Savings compare each rate with the state average for that plan.
Everence's Plan L and Transamerica's Plan A use Issue Age Pricing, so their premiums won't rise because you age. The other carriers in the table use Attained Age Pricing, which rises with age. That protection costs more at 65 for Transamerica, whose issue-age Plan A is $165, $53 above State Farm's $112.
State Farm
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4.3/5Pricing Style
4.2/5Plan Availability
Plan G Rate at 65
$159Plan Types
A, D, G, N
USAA
MoneyGeek Rating
4.5/ 5
4.8/5Affordability
4.3/5Pricing Style
4.1/5Plan Availability
Plan G Rate at 65
$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
Plan G Rate at 65
$199Plan Types
A, B, C, F, G, N
Nassau
MoneyGeek Rating
4.3/ 5
4.7/5Affordability
4/5Pricing Style
3.5/5Plan Availability
Plan G Rate at 65
$177Plan Types
A, B, F, G, N
AARP
MoneyGeek Rating
4.2/ 5
4.2/5Affordability
4.2/5Pricing Style
3.9/5Plan Availability
Plan G Rate at 65
$216Plan Types
A, B, C, F, G, K, L, N
Everence
MoneyGeek Rating
4.1/ 5
4.7/5Affordability
3.7/5Pricing Style
3.1/5Plan Availability
Plan G Rate at 65
$219Plan Types
A, B, F, G, L, N
New Era
MoneyGeek Rating
4.3/ 5
4.7/5Affordability
4.1/5Pricing Style
3.5/5Plan Availability
Plan G Rate at 65
Not soldPlan Types
A, B, C, D, F, M, N
Best Medicare Supplement Plan G in Pennsylvania
State Farm has Pennsylvania's cheapest Plan G at $159 a month for 65-year-olds, 51% below the $325 state Plan G average. Globe Life is next at $168 and Nassau at $177. Among the seven carriers compared, yearly Plan G premiums range from $1,908 with State Farm to $2,316 with USAA.
| State Farm | $159 | $166 | $1,908 | $1,991 |
| Globe Life | $168 | $157 | $2,016 | $1,883 |
| Nassau | $177 | $148 | $2,124 | $1,775 |
| Wellcare | $180 | $145 | $2,154 | $1,745 |
| Physicians Select | $182 | $143 | $2,184 | $1,715 |
| MedMutual Protect | $184 | $141 | $2,208 | $1,691 |
| USAA | $193 | $132 | $2,316 | $1,583 |
USAA's $193 Plan G is the highest of the seven, $34 a month and $408 a year more than State Farm's $159. Federal law standardizes Plan G, so every carrier's version pays for the same services and leaves you only the $283 Part B deductible in 2026. The extra $408 buys no added coverage, so people choosing Plan G should start with State Farm's quote.
Best Medicare Supplement Plan F in Pennsylvania
Nassau has Pennsylvania's cheapest Plan F at $203 a month for 65-year-olds, $165 below the $368 state Plan F average. Plan F adds the Part B deductible to Plan G's coverage, but only people first eligible for Medicare before January 1, 2020, can buy it.
| Nassau | $203 | $165 | $2,436 | $1,986 |
| Wellcare | $206 | $162 | $2,472 | $1,950 |
| USAA | $221 | $147 | $2,652 | $1,770 |
| Wisconsin Physicians Service | $221 | $147 | $2,652 | $1,770 |
| Globe Life | $227 | $141 | $2,724 | $1,698 |
| MedMutual Protect | $227 | $141 | $2,724 | $1,698 |
| AFLAC | $239 | $129 | $2,868 | $1,554 |
At these rates, Plan F's extra benefit costs more than it saves. Nassau's Plan F totals $2,436 a year, $245 more than State Farm's $159 Plan G plus the $283 Part B deductible for 2026. Pre-2020 eligibles paying AFLAC's $239, the highest of the seven, save $432 a year by moving to Nassau, though outside open enrollment insurers can deny or surcharge a switch based on health.
Best Medicare Supplement Plan N in Pennsylvania
State Farm has Pennsylvania's cheapest Plan N at $123 a month for 65-year-olds, 52% below the $254 state Plan N average. Bankers Life charges the most of the seven carriers compared at $144, $21 more. Plan N charges copays of up to $20 for some office visits and up to $50 for emergency room visits that don't lead to an inpatient admission.
| State Farm | $123 | $131 | $1,476 | $1,578 |
| Nassau | $127 | $127 | $1,524 | $1,530 |
| Wellcare | $134 | $121 | $1,602 | $1,452 |
| Globe Life | $137 | $117 | $1,644 | $1,410 |
| AFLAC | $139 | $115 | $1,668 | $1,386 |
| MedMutual Protect | $143 | $111 | $1,716 | $1,338 |
| Bankers Life | $144 | $110 | $1,728 | $1,326 |
State Farm's $123 Plan N costs $36 a month less than its $159 Plan G, or $432 a year, for the same hospital coverage. At the full $20 copay, Plan N stays cheaper unless you make more than 21 office visits a year, so people with frequent specialist visits should price both plans.
Pennsylvania Medicare Supplement Rates by Plan, Age and Deductible
For Plan A at 65, State Farm is cheapest at $112 a month, while Wellcare and Mutual of Omaha are the highest of the 10 carriers shown at $172, or $720 more a year for identical coverage. Transamerica is the only issue-age Plan A shown, at $165. Use the filters to see the cheapest carrier for your plan, age and deductible.
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 |
Average Medicare Supplement Cost in Pennsylvania by Plan
Pennsylvania's 10 Medicare Supplement plan types average $258 a month for 65-year-olds. Plan K has the lowest average at $129 and Plan C the highest at $398, a $269 monthly difference between plan averages.
| 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 |
Plans K and L are cost-sharing plans, so you pay part of each covered bill in exchange for a lower premium. Plan K averages $129, $196 below the $325 Plan G average, and pays 50% of most covered costs until you reach an $8,000 out-of-pocket limit in 2026. Plan L averages $205, pays 75% and caps your costs at $4,000. Both fit people who rarely use medical care, since Plan K's $8,000 limit is more than triple its $2,352 yearly premium saving.
How to Choose the Best Medicare Supplement Plan in Pennsylvania
Pennsylvania has 10 federally standardized Medigap plan types, from Plan K at a $129 state average to Plan C at $398. The plan letter sets your coverage, and the carrier sets your price and pricing method.
- 1Assess Your Health Care Needs
Plan G, at a $325 state average, leaves you only the $283 Part B deductible in 2026. Plan N, at $254, saves $71 a month, or $852 a year, in exchange for copays of up to $20 per office visit and up to $50 per ER visit. At the full $20, Plan N stays cheaper unless you make more than 42 office visits a year.
- 2Compare Plan Types
Plan G is the most complete plan for people first eligible for Medicare on or after January 1, 2020. Plan F adds the $283 Part B deductible to Plan G's coverage, and Plans C and F are sold only to people first eligible before that date. Plans K and L cut premiums in exchange for paying 50% or 25% of covered costs, up to $8,000 or $4,000 in 2026. Plans A, B, D and M cover smaller sets of Medicare's gaps.
- 3Get Quotes From Multiple Providers
Get quotes from at least three carriers, since the plan letter fixes the coverage. State Farm's $159 Plan G and USAA's $193 Plan G pay for identical services, yet USAA's costs $408 more a year. Price, pricing method and carrier stability set carriers apart.
- 4Check Pricing Style
Issue Age Pricing bases your premium on your age at purchase, Attained Age Pricing raises it as you age, and community-rated pricing charges everyone the same regardless of age. Issue-age pricing starts higher for Transamerica, whose Plan A is $165 at 65, $53 above State Farm's attained-age $112. Ask each carrier which method it uses before comparing quotes at 65.
- 5Check Company Ratings
State Farm and USAA hold A++ AM Best ratings, the highest grade for financial strength, while New Era holds A-, three steps lower. Check the rating before choosing a lower premium, because a Medigap policy renews every year you pay for it.
- 6Enroll During Open Enrollment
Your Medigap open enrollment period lasts six months and starts the first month you're both 65 and enrolled in Medicare Part B. During it, insurers can't deny you or charge more for health conditions, though an insurer can delay coverage of a pre-existing condition for up to six months. After it ends, Pennsylvania insurers can review your health and deny or surcharge your application.
Pennsylvania Medicare Resources
Pennsylvania residents can get free Medigap help from these four resources.
- Pennsylvania Medicare Education and Decision Insight (MEDI): Trained volunteers give free, confidential one-on-one counseling on Medicare Supplement, Medicare Advantage and Part D plans and help you spot insurance fraud. Visit Pennsylvania MEDI.
- Pennsylvania Insurance Department: Publishes Medicare Supplement rate comparisons and runs a helpline for insurance questions, complaints and scam reports. Visit the Pennsylvania Insurance Department.
- Pennsylvania Association of Area Agencies on Aging (P4A): Connects older adults with local Area Agencies on Aging for Medicare enrollment help, benefits counseling and community services. Find Your Local Agency.
- Medicare.gov: The federal Medicare site's plan finder lists the Medigap, Medicare Advantage and Part D plans sold in your ZIP code. Visit Medicare.gov.
Medicare Supplement Plans in Pennsylvania: FAQ
Your Pennsylvania Medigap open enrollment period lasts six months and starts the first month you're both 65 and enrolled in Medicare Part B. During it, insurers can't deny you or charge more for health conditions, so you can buy a plan like State Farm's $159 Plan G at its standard rate, though an insurer can delay coverage of a pre-existing condition for up to six months. After it ends, insurers can review your health and deny or surcharge your application.
Plans G, N and F are the most purchased Medicare Supplement plans nationally. In Pennsylvania, State Farm sells the cheapest Plan G at $159 and Plan N at $123 for 65-year-olds, and Nassau sells the cheapest Plan F at $203. Plan G leaves you only the $283 Part B deductible in 2026. Plan N costs $36 less at State Farm but adds copays of up to $20 per office visit and up to $50 per ER visit. Plan F also covers the Part B deductible but is sold only to people first eligible before January 1, 2020.
Medigap plans are guaranteed renewable, so your Pennsylvania policy continues each year with no annual re-enrollment as long as you pay premiums. Your premium can still change, since attained-age plans like State Farm's rise as you get older. Medicare Advantage plans can change benefits and costs every year, which is why members review coverage each fall.
Medicare Supplement plans pay costs Original Medicare leaves behind, such as deductibles and coinsurance, and let you see any doctor in the U.S. who accepts Medicare. Medicare Advantage is a private-plan alternative that provides your Part A and Part B benefits under its own provider and prior-authorization rules, and can add dental and vision. You can't use a Medigap plan alongside Medicare Advantage.
You can switch, but outside your six-month open enrollment period, Pennsylvania insurers can review your health history and deny or surcharge your application. Pennsylvania has no state-mandated continuous open enrollment beyond federal rules, which include guaranteed-issue rights in situations such as losing employer coverage. If you're approved, moving from AFLAC's $239 Plan F to Nassau's $203 saves $432 a year.
Standardized Medigap plans in Pennsylvania, from State Farm's Plan G to AARP's Plan K, don't cover routine dental, vision or hearing care, because Original Medicare doesn't. Some carriers, such as Everence, add wellness programs outside the standard benefits. People who want dental or vision coverage need a standalone plan or a Medicare Advantage plan that includes it.
Our Methodology
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%): Reflects how each carrier sets premiums as you age: community-rated, issue-age or attained-age.
- Plan availability (30%): Reflects which Medigap plan types each carrier sells in Pennsylvania.
Related Pages
About Mark Fitzpatrick
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
Sources
- Medicare.gov. "Find a Medigap policy that works for you." Accessed November 12, 2026.
- CMS.gov. "Medigap (Medicare Supplement Health Insurance)." Accessed November 12, 2026.
- Compare Medigap Plan Benefits. "Compare Medigap Plan Benefits." Accessed November 12, 2026.