Best Medicare Supplement Plans in Texas (2026)

Ace Property and Casualty is the best Medicare Supplement company in Texas, with the lowest Plan G rate for 65-year-olds at $137 per month, half the state average of $274. That saves you $1,644 per year for standardized Plan G benefits that are the same across insurers. Ace also has the lowest rates for Plan N at $99, Plan F at $153 and Plan A at $131. Other insurers lead for the remaining plan types: Aetna for Plan B, Wisconsin Physicians Service for Plan C, MedMutual Protect for Plan D, Transamerica for Plans K and L and Philadelphia American for Plan M.

Starting premiums aren't the only cost consideration. Ace and most other insurers in our analysis use attained-age pricing, which can increase premiums as you get older. Transamerica uses issue-age pricing, so increasing age doesn't determine future premium increases. That can make its higher starting rates worth comparing with lower-priced attained-age policies if long-term rate structure matters to you.

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

The lowest-cost Medicare Supplement company depends on the plan you choose. Use the filters to compare insurers for your plan type, age and high-deductible preference.

Medicare Supplement insurance costs in Texas vary widely by plan, with average rates for 65-year-olds ranging from $116 per month for Plan K to $352 for Plan F. Plan G averages $274, while Plan N costs $213.

Lower premiums generally come with more cost sharing. Plan K averages $116 per month and pays 50% of covered cost-sharing until its annual out-of-pocket limit, while Plan G costs $274 and covers all standardized Medigap cost-sharing except the Part B deductible. That $158 monthly difference equals $1,896 per year. Based on Plan K's 50% cost-sharing rate, the premium gap equals roughly $3,800 in cost-sharing, so you should weigh lower premiums against your potential out-of-pocket costs.

Choose a Medigap plan type before comparing insurers because standardized benefits determine what you pay beyond the monthly premium. Among Texas rates for 65-year-olds, Plan K has the lowest average premium at $116 per month but requires 50% cost sharing, while Plan G averages $274 and covers all standardized gaps except the Part B deductible.

Plan N provides another middle option at $213 per month, $61 less than Plan G on average. In exchange, Plan N can require copays of up to $20 for some office visits and up to $50 for emergency room visits that don't result in admission, and it doesn't cover Part B excess charges. The best choice depends on whether you prioritize lower monthly premiums or less cost sharing when you receive care.

After choosing a Medigap plan, compare insurers on premium, pricing structure and service. Standardized Medigap benefits don't change by insurer, so two companies offering Plan G provide the same core Plan G coverage even when their premiums differ widely.

For example, Ace Property and Casualty charges $137 per month for Plan G for a 65-year-old, compared with $170 at State Farm and $203 at Transamerica. Ace has the lowest initial premium, while Transamerica uses issue-age pricing rather than Ace's attained-age pricing. Comparing both the starting rate and how the insurer prices policies as you age gives you a more complete cost picture.

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

MoneyGeek collected Texas Medicare Supplement rate data for ages 65 and 75 using the plan browsing tool at Medicare.gov. Unless a section specifically states otherwise, the premiums, provider rankings, savings calculations and comparisons on this page use rates for 65-year-olds.

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.