Best Medicare Supplement Plans in Washington, D.C. (2026)

State Farm has the lowest Plan G rate in Washington, D.C. at $128 per month and the lowest Plan N rate at $99 per month. Aetna offers the lowest Plan F at $192 per month. 

In MoneyGeek's Washington, D.C. rate data from Medicare.gov for a 65-year-old enrollee across all 10 standardized plan types and 10 carriers, the spread between the lowest and highest Plan G rate was $66 per month, $792 per year for a plan with identical standardized benefits. Seven of the 10 carriers use Attained Age pricing, the only pricing type that raises your premium every year.

*Prices are for 65-year-olds.   

Plan N costs less monthly but adds copays of $20 for doctor visits and $50 for emergency room visits. Plan F covers everything but is only available if you were Medicare-eligible before January 1, 2020. 

State Farm provides Washington, D.C.'s best Medicare Supplement rates for Plan G ($128 per month) and Plan N ($99 per month). Aetna offers the cheapest Plan F at $192 per month.

State Farm sells Washington, D.C.'s lowest Plan G rate at $128 per month. Mutual of Omaha at $161 per month and Transamerica at $174 per month are the next two options in the district.

The spread between State Farm's $128 and Globe Life's $194 was $66 per month, $792 per year for a plan with identical standardized benefits.

In Washington, D.C., Plan F costs $192 to $229 per month based on pricing style and deductible options. Aetna provides the lowest Plan F rate at $192 per month. State Farm ($197 per month) saves residents $708 per year against the most expensive Plan F carrier. LifeShield National ($205 per month) saves $612 annually.

Plan F is only available to seniors who were Medicare-eligible before January 1, 2020. The $37 monthly gap between Aetna's $192 and the most expensive provider at $229 works out to $444 per year for coverage with no benefit difference. All Plan F policies cover the same out-of-pocket costs; the only variable is what you pay each month.

Plan N costs $99 to $136 per month in Washington, D.C. depending on pricing style. State Farm provides the lowest Plan N rate at $99 per month, saving residents $780 annually. Aetna ($114 per month) and Mutual of Omaha ($118 per month) offer competitive rates.

Plan N carries copays, $20 for most doctor visits and $50 for emergency room visits that don't result in inpatient admission. The $37 monthly gap between State Farm and the most expensive Plan N provider works out to $444 per year for identical coverage.

Finding your best Medicare Supplement plan depends on age and plan type. Compare rates using the filterable table below.

Washington, D.C. Medicare Supplement premiums for 65-year-olds range from $102 per month for Plan K to $294 per month for Plan F, with a district-wide average of $215. The three most popular plans: G, F and N, average $233, $294 and $194 per month. Annual costs range from $1,224 to $3,528. Your actual premium depends on the provider, your age and the carrier's pricing method. Plan K covers 50% of most costs until you hit the annual out-of-pocket cap, then pays 100%. Plan F pays everything from day one.

MoneyGeek's 2026 D.C. rate data shows, the three most popular plans, G, F and N, sit at very different price points ($233, $294 and $194 per month on average). All three pay 100% of covered costs once your deductible or copay is met, unlike Plans K and L, which leave you responsible for a percentage of costs until you hit an annual cap.

Six factors separate a cost-effective Medigap decision from an expensive one in Washington, D.C. Work through them in order before requesting a quote.

For Washington, D.C. residents who need assistance selecting Medicare coverage or understanding your options, free state and federal assistance is available.

• D.C. Health Insurance Counseling Project (DC HICAP): Offers free, confidential individual counseling to help Medicare beneficiaries and their families understand benefits, enrollment and coverage options. Certified volunteers provide unbiased guidance on Medicare Supplement plans, Medicare Advantage and Part D prescription drug coverage.
• D.C. Department of Insurance, Securities and Banking: Publishes rate comparisons for Medicare Supplement plans and provides consumer protection services for insurance-related concerns. The department has a helpline to assist with insurance questions and complaints while helping seniors identify and report insurance scams.
• D.C. Office on Aging: Serves seniors with information and programs covering health care, nutrition and social services. The office provides assistance with Medicare enrollment, benefits counseling and access to local community resources for elderly residents and caregivers.
• Medicare.gov: The official federal Medicare website offers 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.

For most Washington, D.C. residents enrolling at 65, State Farm's Plan G at $128 per month is the right starting point. It's the lowest Plan G rate in the district, $105 per month below the district average per MoneyGeek's 2026 analysis, and State Farm's A++ AM Best rating is the highest available among D.C. Medigap carriers. 

Plan N at $99 per month from State Farm works if you're in good health and averaged fewer than 17 doctor visits per year in recent years, at that frequency, the $20 copay per visit costs you less annually than the $29 monthly premium difference between Plan G and Plan N. 

If you were Medicare-eligible before January 1, 2020 and want zero out-of-pocket costs, Aetna's Plan F at $192 per month is the lowest available in D.C. For seniors who want the widest plan selection and the pricing protection of Issue Age rates, Transamerica is the only carrier in this market offering all 10 plan types with Issue Age pricing on Plans K, L and M.

Find answers to frequently asked questions about Medicare Supplement insurance for Washington, D.C. residents.

MoneyGeek collected Washington, D.C. Medicare Supplement rates in 2026 using Medicare.gov's plan browsing tool. Quotes are for a 65-year-old female nonsmoker at a Washington, D.C. ZIP code. We pulled rates across all 10 standardized plan types from 10 carriers offering Medigap coverage in the district, and collected a separate set of quotes for 75-year-olds to show how Attained Age pricing affects premiums over time. Unless otherwise noted, this article references rates for 65-year-olds.

We scored Washington D.C. Medigap companies across three categories to create a weighted score out of 5:

• Affordability (50%): Lower monthly premiums earn higher scores.
• Pricing style (20%): We scored pricing methods based on long-term stability and fairness: Community Pricing (1.0), Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums stay stable as you age.
• Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.