Best Medicare Supplement Plans in Texas (2026)

Texas Medigap pricing has more carrier spread than most states. When MoneyGeek analyzed Plan G rates across all Texas providers, the gap between the cheapest ($137) and the state average ($274) was $137 monthly, $1,644 per year for legally identical coverage. 

In most states we've analyzed, that spread is narrower. High insurer participation and a large Medicare population in Texas push entry rates down, but the gap between attained-age and issue-age pricing widens over a 10-to-15-year enrollment period. The insurer you choose at 65 affects your total cost for years beyond the first premium.

When MoneyGeek pulled Plan G rates across Texas, Ace Property and Casualty had the lowest at $137 monthly, $137 below the state average and $1,644 less per year for identical benefits.

Ace also prices lowest for Plans N ($99) and F ($153). Transamerica leads on Plans K and L. Aetna, MedMutual Protect and Philadelphia American cover the remaining plan types below state averages.

At 65, your Open Enrollment Period gives guaranteed-issue access at any rate. Past 65, pricing structure matters as much as the starting premium. Attained age plans increase annually. Transamerica's issue age Plan G locks at enrollment.

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

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.

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.

Plan K's $116 monthly average covers 50% of cost-sharing, with an $8,000 annual out-of-pocket limit. Plan G at $274 monthly covers all cost-sharing except the Part B deductible. The $158 monthly difference is $1,896 per year. When we ran the numbers, that gap breaks even at roughly $3,800 in annual Part A and Part B cost-sharing. Seniors with chronic conditions or planned procedures will reach that threshold. Those who use care infrequently will not.

Choose your plan type based on how often you use health care before comparing prices across providers.
Your coverage needs should determine your plan type before you compare prices. Plan G’s $274 monthly average provides lower out-of-pocket exposure than Plan K’s 50% cost-sharing structure.

Plans K, N or D give you lower premiums with manageable cost-sharing risk. Plan K starts at $116 monthly. Plan N costs $213. The tradeoff is uncovered cost-sharing when you do use care.

Learn More: What Does Medicare Cover and Not Cover?

Once you've chosen a plan type, compare companies on these three factors. Pricing structure is the most important of the three. An attained-age plan that starts at $137 can cost more than a locked issue-age plan within a decade, depending on how fast the attained-age premiums rise.

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

For most 65-year-olds in Texas, Ace Property and Casualty's Plan G at $137 monthly is the right starting point. It's $137 below the state average and $1,644 less per year than the average Texas Plan G premium. Every Plan G covers the same benefits regardless of insurer, so the lower rate buys identical coverage. Transamerica's issue-age Plan G at $203 monthly is the better fit for seniors prioritizing rate stability over the lowest starting premium. Its rate locks at enrollment and never increases with age, unlike every attained-age plan on this page.

Frequently asked questions about Medicare Supplement insurance in Texas:

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.