Best Medicare Supplement Plans in Texas (2026)

Key Takeaways

Ace Property and Casualty has the cheapest Medicare Supplement (Medigap) plans for the most popular policies in the state (Plan G, F and N), with monthly savings from $31 to $199 compared to state averages.

Aetna, Wisconsin Physicians Service, MedMutual Protect, Transamerica and Philadelphia American have the lowest rates for Plans B, C, D, K, L and M in Texas.

Texas Medigap costs range from $39 to $549 monthly for 65-year-olds, depending on plan type.

Best Cheap Medicare Supplement Companies in Texas

Affordable Medicare Supplement plans in Texas provide strong financial protection. We identified the lowest-cost providers across the 10 standardized plan types, with premiums ranging from $83 to $220 monthly for 65-year-olds.

Ace Property and Casualty has the best rates across four popular plans: Plan G at $137 monthly, Plan N at $99 and Plan F at $153. Transamerica offers competitive pricing for Plans K and L. Aetna, MedMutual Protect and Philadelphia American provide budget-friendly options across other plan types, saving Texas seniors $31 to $199 monthly compared to state averages.


Ace Property and Casualty	A	$131	$171	Attained Age Pricing
Aetna	B	$182	$87	Attained Age Pricing
Wisconsin Physicians Service	C	$220	$111	Attained Age Pricing
MedMutual Protect	D	$152	$31	Attained Age Pricing
Ace Property and Casualty	F	$153	$199	Attained Age Pricing
Ace Property and Casualty	G	$137	$137	Attained Age Pricing
Transamerica	K	$83	$33	Issue Age Pricing
Transamerica	L	$134	$40	Issue Age Pricing
Philadelphia American	M	$101	$62	Attained Age Pricing
Ace Property and Casualty	N	$99	$114	Attained Age Pricing

*These rates reflect Medigap premiums for 65-year-olds.

Ace Property and Casualty

MoneyGeek Rating

4.2/ 5

4.8/5Affordability

3.9/5Pricing Style

3.2/5Plan Availability

Average Plan G Rate
$137
Plan Types
A, F, G, N

pros
- Best rates for Plans A, F, G and N
- High-deductible Plan G
cons
- No Plans B, C, D, K, L or M
- Attained age pricing increases premiums with age
Ace Property and Casualty is a recognized insurance provider that offers a range of Medicare Supplement plans, focusing on delivering tailored coverage options for seniors in Texas. The company holds the cheapest rates across all four of its plan offerings, with Plan N leading at just $99 monthly and Plan A at $131 per month. Their Plan F costs $153 monthly while Plan G runs $137 per month, with each plan saving Texas seniors between $114 to $199 compared to state averages. This competitive pricing across Plans A, F, G and N makes Ace Property and Casualty worth considering for budget-conscious seniors.

Premiums increase with age (Attained Age Pricing), which means costs rise annually as you get older. Ace Property and Casualty offers flexible plan options that can be customized to meet the specific health care needs of seniors. The company holds a B++ (Good) rating from AM Best, indicating stable financial strength and reliability for long-term coverage.

Wisconsin Physicians Service

MoneyGeek Rating

4.2/ 5

4.6/5Affordability

3.9/5Pricing Style

3.4/5Plan Availability

Average Plan G Rate
$189
Plan Types
A, C, G, N

pros
- Best Plan C rate at $220 monthly
- Regional reputation for health care services
cons
- No cost-sharing plans (K or L) or Plan M
- No high-deductible options
- Attained age pricing increases premiums with age
Wisconsin Physicians Service has the best Plan C rates. Plan C costs $220 monthly, $111 below the state average (available only to those who became Medicare-eligible before 2020).

The company also offers Plans A, G and N. Premiums range from $162 to $220 monthly for 65-year-olds. Plan G costs $189 monthly, $85 below the state average.

MedMutual

MoneyGeek Rating

4.5/ 5

4.9/5Affordability

4.4/5Pricing Style

4/5Plan Availability

Average Plan G Rate
$147
Plan Types
A, D, F, G, N

pros
- Best Plan D rates, saving $31 monthly
- Second-cheapest Plan N
- High-deductible Plan G
cons
- No cost-sharing plans (K or L)
- Attained age pricing increases premiums with age
MedMutual Protect offers five plan types with rates lower than state averages. The company ranks first for Plan D at $152 monthly. Plan N costs $103 monthly, the second-lowest in Texas and $110 below the state average.

Plan G costs $147 monthly, $127 less than the state average. Premiums range from $103 to $164 for 65-year-olds. All policies use attained age pricing, which means costs increase with age.

Transamerica

MoneyGeek Rating

4.6/ 5

4.8/5Affordability

4.6/5Pricing Style

4.4/5Plan Availability

Average Plan G Rate
$203
Plan Types
A, B, C, D, F, G, K, L, M, N

pros
- All 10 plan types available
- Best rates for Plans K and L
- Issue Age Pricing locks in rates at enrollment
cons
- No high-deductible plans
- Plan G rates less competitive at $203 monthly
Transamerica is the only Medigap company in Texas offering all 10 standardized plan types. The company has the lowest rates for cost-sharing plans. Plan K costs $83 monthly, and Plan L costs $134, saving $33 and $40 compared to state averages. Plan G costs $203 monthly, $71 below the state average but higher than top competitors.

Transamerica uses Issue Age Pricing. Your rate locks at enrollment and never increases with age, creating long-term savings for those who enroll at 65.

Aetna Medicare

MoneyGeek Rating

4.3/ 5

4.9/5Affordability

3.9/5Pricing Style

3.3/5Plan Availability

Average Plan G Rate
$220
Plan Types
A, B, F, G, N

pros
- Best Plan B rates
- High-deductible Plan F
cons
- Attained age pricing structure
- No high-deductible Plan G
Aetna has national brand recognition and strong financial stability, though its rates run higher than budget-focused competitors. The company ranks first for Plan B at $182 monthly, $87 below the state average.

Aetna offers five plan types. Plan G costs $220 monthly, $54 below the Texas average but less competitive than Ace Property and Casualty or MedMutual Protect. Aetna provides extensive customer service resources, a widespread agent network and the financial security of a major national insurer.

Philadelphia American

MoneyGeek Rating

4.3/ 5

4.7/5Affordability

4.2/5Pricing Style

3.6/5Plan Availability

Average Plan G Rate
$39 (High-deductible only)
Plan Types
A, C, D, G (high-deductible), M, N

pros
- Best Plan M rates
- Six plan types, including M and D
- Competitive Plan N at $131 monthly
cons
- Only high-deductible Plan G
- Attained age pricing increases premiums with age
Philadelphia American focuses on less common plan types. The company has the best Plan M rates at $101 monthly. Plan M's low premium combined with reasonable cost-sharing creates a middle ground between comprehensive plans and budget options.

Philadelphia American offers Plans A, C, D and N. Plan N costs $131 monthly. The company lacks a no-deductible Plan G policy, the most popular Medicare Supplement in Texas. Philadelphia American offers only high-deductible Plan G with a $2,950 annual deductible. You'll pay all Part A and Part B cost-sharing out of pocket until reaching that threshold.

Find Texas Medicare Supplement Plans That Fit Your Needs

The top companies for the most popular plans are listed above, but your needs may differ. Check the filterable table below to find the best Texas Medicare Supplement company for you.

Data filtered by:


Ace Property and Casualty	G	No	65	$137	$0	No Data
Atlantic Capital	G	No	65	$147	$0	No Data
MedMutual Protect	G	No	65	$147	$0	No Data
LifeShield National	G	No	65	$156	$0	No Data
State Farm	G	No	65	$170	$0	No Data
Nassau	G	No	65	$170	$0	No Data
WoodmenLife	G	No	65	$172	$0	No Data
Moda Health Plan, Inc.	G	No	65	$173	$0	No Data
Farm Bureau Insurance	G	No	65	$173	$0	No Data
Bankers Life	G	No	65	$177	$0	No Data

Texas Medicare Supplement Plan Cost

Medicare Supplement insurance costs in Texas vary widely by plan, with 65-year-olds paying $116 to $352 monthly.

Plan K is the cheapest at $116 monthly; Plan F is the most expensive at $352. Plan G, the most popular, averages $274 monthly. Plan N costs $213. Plans M, L and D cost $163, $174 and $183.


A	$302	$3,624
B	$269	$3,228
C	$331	$3,972
D	$183	$2,196
F	$352	$4,224
G	$274	$3,288
K	$116	$1,392
L	$174	$2,088
M	$163	$1,956
N	$213	$2,556

How to Choose the Best Texas Medicare Supplement Plan

Medicare Supplement insurance plans in Texas follow federal benefit standards, meaning Plan G from one company covers the same as Plan G from another. Price is the main difference. Each plan type helps you balance premiums and out-of-pocket costs.

Most Comprehensive Coverage

Plan F: Covers all gaps including Part B deductible and excess charges (no longer available to new Medicare beneficiaries as of 2020)
Plan G: Nearly identical to Plan F, covers everything except Part B deductible

Best Value Options

Plan N: Comprehensive coverage with small copayments and lower premiums
Plan D: Basic coverage without Part B deductible or excess charges

Budget-Friendly Choices

Plan K: Lowest premiums with 50% cost-sharing and $8,000 out-of-pocket limit
Plan L: Similar to Plan K with 75% cost-sharing and $4,000 out-of-pocket limit
Plan M: Covers 50% of Part A deductible with moderate premiums

Premium Coverage

Plan C: Includes Part B deductible and foreign travel emergency coverage (no longer available to new Medicare beneficiaries as of 2020)

Learn More: What Does Medicare Cover and Not Cover?

How to Find the Best Texas Medicare Supplement Company

Once you've decided what plan is right for you, compare companies. Look for these factors in a Medicare Supplement provider.

1
Customer satisfaction and complaints
Insurance companies sometimes receive complaints about service issues. Check customer ratings from J.D. Power and the National Association of Insurance Commissioners (NAIC) to find a reliable provider.
2
Plan pricing
Costs for identical plans differ between companies. Compare plans side by side. Choose affordable options that meet your coverage and service needs.
3
Added benefits
Some insurers offer discounts on related products, such as gym memberships. These extras can lower your overall costs.

Texas Medicare Resources

If you need help selecting Medicare coverage in Texas, several state and federal resources offer free assistance.

Texas Health Insurance Counseling and Advocacy Program (HICAP): Provides free, confidential one-on-one counseling to help Texas seniors understand Medicare, compare plans and avoid insurance fraud. Trained volunteers provide unbiased guidance on Medicare Supplement plans, Medicare Advantage and Part D prescription drug coverage. Visit Texas HICAP
Texas Department of Insurance: Offers consumer protection services, publishes rate comparisons for Medicare Supplement plans and operates a helpline to assist with insurance questions and complaints. The department also helps seniors identify and report insurance scams. Visit Texas Department of Insurance
Texas Area Agencies on Aging: Provides information and programs for older adults, including assistance with Medicare enrollment, benefits counseling and connections to local community resources for seniors and caregivers. Find your local agency
Medicare.gov: The official federal Medicare website includes comprehensive information on all Medicare options, including a plan finder tool to compare Medicare Supplement, Medicare Advantage and Part D plans in your ZIP code. Visit Medicare.gov

Medicare Supplement Plans in Texas: FAQ

Frequently asked questions about Medicare Supplement insurance in Texas:

What does Medigap cover in Texas?

Medigap covers the gaps in Original Medicare, including Part A and Part B deductibles, coinsurance, copayments and the first three pints of blood. Some plans also cover Part B excess charges, skilled nursing facility coinsurance and foreign travel emergencies. Medigap doesn't cover prescription drugs, dental, vision or long-term care.

Are Medicare Supplement plans worth it?

Medicare Supplement plans are worth it if you want predictable health care costs and freedom to see any Medicare-accepting doctor nationwide. They're especially valuable for frequent medical care, chronic conditions or limited savings to cover unexpected expenses. Healthy seniors with strong finances may prefer lower premiums with Original Medicare alone.

When can I enroll in Medigap plans in Texas?

You can enroll in Medigap plans anytime, but the best time is during your six-month Medigap Open Enrollment Period, which starts when you're 65 and enrolled in Medicare Part B. During this period, insurers can't deny coverage or charge more due to pre-existing conditions. Outside this window, medical underwriting applies.

Can I switch from Medicare Advantage to Medigap in Texas?

You can switch from Medicare Advantage to Medigap in Texas, but insurers can require medical underwriting and deny coverage or charge higher premiums based on health conditions. The best time to switch is during your Medigap Open Enrollment Period at age 65. After that, guaranteed-issue rights are limited to specific circumstances.

Our Review Methodology

MoneyGeek collected data for all Medicare plans in Texas for ages 65 and 75, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies in Texas based on three main categories to create a weighted score out of 5:

Affordability (50%): Providers with the lowest monthly cost score higher.
Pricing style (20%): Medigap insurers use three methods to determine premiums: community pricing, issue-age pricing and attained age pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: community pricing 1.0, issue-age pricing 0.8, attained-age pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
Plan availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular Plan G, Plan F and Plan N.

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.

Read Full Bio »

Best Medicare Supplement Plans in Texas (2026)

Best Cheap Medicare Supplement Companies in Texas

Find Texas Medicare Supplement Plans That Fit Your Needs

Texas Medicare Supplement Plan Cost

How to Choose the Best Texas Medicare Supplement Plan

How to Find the Best Texas Medicare Supplement Company

Texas Medicare Resources

Medicare Supplement Plans in Texas: FAQ

What does Medigap cover in Texas?

Are Medicare Supplement plans worth it?

When can I enroll in Medigap plans in Texas?

Can I switch from Medicare Advantage to Medigap in Texas?

Our Review Methodology

Related Articles