Best Medicare Supplement Plans in Texas (2026)

Ace Property and Casualty Insurance Company dominates Texas's Medicare Supplement market with the lowest rates across four popular plan types. The insurer's Plan N leads the state at just $99 per month, making it the most affordable option for seniors seeking comprehensive coverage with small copayments. Ace Property and Casualty also captures top positions for Plans A, F, and G, with its Plan G priced at $137 monthly, which is $65 less than the state average.

The company offers just four plan types but focuses on the most popular options. All policies use Attained Age Pricing (premiums rise with age), but competitive starting rates deliver strong value for new Medicare enrollees at 65.

For seniors interested in Plan C coverage, Wisconsin Physicians Service delivers the best value in Texas. The company's Plan C rate of $220 per month beats the state average by $64, positioning it as the clear choice for those eligible for this comprehensive option (available only to those who became Medicare-eligible before 2020). 

Beyond Plan C, Wisconsin Physicians Service offers three additional plan types, including Plans A, G, and N, with premiums ranging from $162 to $220 monthly for 65-year-olds. The insurer's Plan G costs $189 per month, which is $85 below the state average and competitive within the Texas market.

MedMutual Protect carves out a competitive position in the Texas Medigap market with five plan options and rates that are consistently cheaper than state averages. The company claims the top spot for Plan D at $152 monthly, though this plan type sees less demand than more comprehensive alternatives. Where MedMutual Protect really stands out is in its Plan N pricing. At $103 per month, it's the second-lowest in Texas and $110 below the state average, offering exceptional value for seniors comfortable with small copayments. 

The insurer's Plan G rate of $147 monthly also beats the state average by $127, making it competitive with top-tier providers. MedMutual Protect's premium range spans $103 to $164 for 65-year-olds, remaining affordable across its five plan types. The company uses Attained Age Pricing across all policies, however, which means costs increase with age.

Transamerica is the only Medigap company in Texas providing all 10 standardized plan types, and they also have the lowest rates for both cost-sharing plans. Their Plan K averages $83 monthly and Plan L averages $134 monthly, saving Texas seniors $33 and $40 respectively compared to state averages. However, Transamerica's rates for the most popular plans are less attractive. Their Plan G costs $203 monthly, which is $71 below the state average but higher than top competitors.

Transamerica's biggest advantage? Issue Age Pricing locks in your rate based on enrollment age rather than increasing annually. This pricing model results in substantial long-term savings, especially for seniors who enroll at 65.

Aetna brings national brand recognition and strong financial stability to Texas's Medicare Supplement market, though its rates run higher than budget-focused competitors. The company earns the top position for Plan B at $182 monthly, beating the state average by $64, making it the go-to choice for seniors seeking this mid-tier coverage option. 

Aetna has five plan types including the most popular Plan G at $220 per month. That’s $54 below the Texas average but not as competitive as providers like Ace Property and Casualty or MedMutual Protect. Beyond pricing, Aetna’s value is in its established infrastructure which includes extensive customer service resources, a widespread agent network, and the financial security that comes with a major national insurer.

Philadelphia American Life Insurance Company takes a different approach to Texas Medigap plans by focusing on less common but high-value plan types. Averaging just $101 per month, the insurer has the best rate in the state for Plan M. Plan M's low premium combined with reasonable cost-sharing creates an attractive middle ground between comprehensive plans and budget options.

Philadelphia American also has competitive Plan N pricing at $131 monthly, along with Plans A, C, and D, giving seniors five solid options. Notably absent from the company's portfolio is a no deductible Plan G policy, which is the most popular Medicare Supplement choice in Texas. Philadelphia American only provides Plan G as a high-deductible option with a $2,950 annual deductible you must pay before coverage kicks in. While this creates an ultra-low premium, you'll pay all Medicare Part A and Part B cost-sharing out of pocket until you hit that $2,950 threshold each year.