We analyzed the best Medicare Supplement plans in Washington to highlight the most affordable options for seniors based on plan type and coverage. Ace Property and Casualty offers the lowest average rates for popular plan choices, with Plan G at $206 per month and Plan F at $264 per month. Medico Corp provides the most affordable Plan N at $147 per month, making it a strong option if you want lower monthly costs.
Best Medicare Supplement Plans in Washington (2026)
Updated: April 6, 2026
Advertising & Editorial Disclosure
Key Takeaways
Ace Property and Casualty is the best Medicare Supplement provider in Washington for Plans G and F plans, while Medico Corp has the lowest N rates.
In Washington, Medicare Supplement premiums range from $48 to $514 per month, varying by plan type and coverage level.
Compare quotes from multiple Washington Medicare Supplement companies and carefully review each plan’s coverage limits, benefits, and availability in your area. Evaluating these factors alongside premiums will help you choose a plan that meets your healthcare needs while staying within your budget.
Best Medicare Supplement Plans in Washington
| USAA | A | $135 | $73 | Community Pricing |
| Transamerica | B | $225 | $37 | Community Pricing |
| Transamerica | C | $266 | $44 | Community Pricing |
| Transamerica | D | $246 | $20 | Community Pricing |
| Ace Property and Casualty | F | $264 | $76 | Community Pricing |
| Ace Property and Casualty | G | $206 | $53 | Community Pricing |
| AARP | K | $92 | $20 | Community Pricing |
| Transamerica | L | $182 | $11 | Community Pricing |
| Transamerica | M | $224 | $0 | Community Pricing |
| Medico Corp | N | $147 | $53 | Community Pricing |
*Prices are 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
$206Plan Types
A, F, G, M
USAA
MoneyGeek Rating
4.5/ 5
4.8/5Affordability
4.3/5Pricing Style
4.1/5Plan Availability
Average Plan G Rate
$264Plan Types
A, F, G, N
Medico
MoneyGeek Rating
4.1/ 5
4.5/5Affordability
4/5Pricing Style
3.3/5Plan Availability
Average Plan G Rate
$208Plan Types
A, F, G, N
Transamerica
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.6/5Pricing Style
4.4/5Plan Availability
Average Plan G Rate
$246Plan Types
A, B, C, D, F, G, K, L, M, N
AARP
MoneyGeek Rating
4.2/ 5
4.2/5Affordability
4.2/5Pricing Style
3.9/5Availability
Average Plan G Rate
$288Plan Types
A, B, C, F, G, K, L, N
Best Medicare Supplement Plan G in Washington
Ace Property and Casualty leads, offering premiums at $206 per month, $53 below the state average. Blue Cross Blue Shield and Medico Corp remain close behind with similarly competitive rates.
| Ace Property and Casualty | $206 | $53 | $2,472 | $635 |
| Blue Cross Blue Shield | $208 | $51 | $2,493 | $614 |
| Medico Corp | $208 | $51 | $2,496 | $611 |
| Bankers Life | $234 | $25 | $2,808 | $299 |
| Wellcare | $236 | $23 | $2,832 | $275 |
| Transamerica | $246 | $13 | $2,952 | $155 |
| Medco Containment | $259 | $0 | $3,108 | $-1 |
Best Medicare Supplement Plan F in Washington
Ace Property and Casualty has the lowest Medigap Plan F rate in Washington at $264 monthly, $76 below the state average. Transamerica follows at $268 and Medico Corp at $286.
| Ace Property and Casualty | $264 | $76 | $3,168 | $910 |
| Transamerica | $268 | $72 | $3,216 | $862 |
| Medico Corp | $286 | $54 | $3,432 | $646 |
| USAA | $298 | $42 | $3,576 | $502 |
| Wellcare | $309 | $31 | $3,708 | $370 |
| Globe Life | $315 | $25 | $3,780 | $298 |
| United American | $321 | $19 | $3,852 | $226 |
Best Medicare Supplement Plan N in Washington
Plan N covers doctor visits and emergency care with small copays, making it one of the more affordable Medigap options. Medico Corp has the lowest Plan N rate in the state at $147 per month, $53 below the state average. Ace Property and Casualty comes in at $155 per month and Wellcare at $178 per month.
| Medico Corp | $147 | $53 | $1,764 | $638 |
| Ace Property and Casualty | $155 | $45 | $1,860 | $542 |
| Wellcare | $178 | $22 | $2,136 | $266 |
| Bankers Life | $179 | $21 | $2,148 | $254 |
| Blue Cross Blue Shield | $194 | $7 | $2,322 | $80 |
| USAA | $194 | $6 | $2,328 | $74 |
| Medco Containment | $197 | $3 | $2,364 | $38 |
Personalized Washington Medicare Supplement Plan Recommendations
The right Medicare Supplement plan depends on your age, budget and coverage needs.
Data filtered by:
A
Select
No
| USAA | A | No | 65 | $135 | $0 | Community Pricing |
| Globe Life | A | No | 65 | $169 | $0 | Community Pricing |
| Transamerica | A | No | 65 | $170 | $0 | Community Pricing |
| United American | A | No | 65 | $171 | $0 | Community Pricing |
| Humana | A | No | 65 | $189 | $0 | Community Pricing |
| Ace Property and Casualty | A | No | 65 | $193 | $0 | Community Pricing |
| AARP | A | No | 65 | $200 | $0 | Community Pricing |
| Medico Corp | A | No | 65 | $203 | $0 | Community Pricing |
| Mutual of Omaha | A | No | 65 | $208 | $0 | Community Pricing |
| Wellcare | A | No | 65 | $214 | $0 | Community Pricing |
Medicare Supplement Plan Cost in Washington
In Washington, Medicare Supplement insurance costs average $237 monthly for 65-year-olds and range from $112 to $340 across plan types. Plan K costs the least at $112 monthly while Plan F costs the most at $340.
The most popular plans G, F and N average $259, $340 and $200 per month respectively. Your actual premium depends on provider, age and insurer's pricing style.
| A | $208 | $2,496 |
| B | $262 | $3,144 |
| C | $310 | $3,720 |
| D | $266 | $3,192 |
| F | $340 | $4,080 |
| G | $259 | $3,108 |
| K | $112 | $1,344 |
| L | $193 | $2,316 |
| M | $224 | $2,688 |
| N | $200 | $2,400 |
How to Choose the Best Medicare Supplement Plan
After choosing your plan type, you'll want to compare providers in Washington. Look for these key factors when evaluating Medicare Supplement companies.
- 1Assess Your Health Care Needs
Do you travel frequently? How often do you see doctors? More coverage costs more monthly but saves you money when you need care. If you have ongoing medical conditions requiring regular treatment, higher monthly premiums often cost less overall through lower out-of-pocket expenses.
- 2Compare Plan Types
Plan G offers the most coverage for new Medicare beneficiaries. Plan F, available only if you enrolled in Medicare before 2020, covers all out-of-pocket costs. Plan N provides similar benefits with lower premiums plus modest copays of $20 for doctor visits and $50 for emergency room visits. Plans K and L cost less monthly but require you to pay a percentage of costs until you hit an annual limit. Plans A, C and D cover basics with varying benefit levels, while Plans B and M fill specific gaps between basic and comprehensive coverage.
- 3Get Multiple Quotes
Get quotes from at least three companies to ensure competitive rates. Insurers charge different rates for identical coverage.
- 4Check Pricing Style
Three pricing methods exist: Issue Age gets locked at your enrollment age, Attained Age rises as you age and Community-Rated stays the same for everyone. Issue Age and Community-Rated plans save you money long-term.
- 5Check Company Ratings
Check AM Best ratings for financial stability and customer satisfaction scores for service quality. Cheaper premiums aren't worth it if your insurer delays claims or provides poor service.
- 6Enroll During Open Enrollment
Enroll during the six-month window starting when you turn 65 and sign up for Medicare Part B. You're guaranteed acceptance regardless of health conditions. Wait longer, and insurers may charge more or deny coverage.
Washington Medicare Resources
Washington residents can access multiple resources available at no cost.
- Washington Statewide Health Insurance Benefits Advisors (SHIBA): Trained volunteers offer free, confidential counseling to help seniors compare Medicare Supplement and Advantage plans and spot insurance fraud. Visit Washington State SHIBA.
- Washington State Office of the Insurance Commissioner: Publishes Medicare Supplement rate comparisons, runs a helpline and helps seniors report insurance scams. Visit the Washington State Office of the Insurance Commissioner.
- Washington Association of Area Agencies on Aging (W4A): Connects older adults and caregivers with Medicare enrollment help, benefits counseling and local community resources. Find Your Local Agency.
- Medicare.gov: The official federal Medicare site with a plan finder tool to compare Supplement, Advantage and Part D plans based on ZIP code. Visit Medicare.gov.
Medicare Supplement Plans in Washington: FAQ
Find answers to frequently asked questions about Medigap coverage in Washington below.
When is Medicare Supplement open enrollment in Washington?
Medicare Supplement open enrollment begins when you turn 65 and enroll in Medicare Part B. This six-month window guarantees coverage regardless of health conditions. You can buy a Medicare Supplement plan anytime, but insurers can deny coverage or charge higher rates outside this period.
What are the most popular Medicare Supplement plans?
Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G offers comprehensive coverage with predictable out-of-pocket costs. Plan F provides the most complete coverage but is available only to those eligible before 2020. Plan N offers lower premiums with modest copayments ($20 for doctor visits, $50 for emergency room). Learn more about Medicare coverage.
Do you have to renew Medigap plans every year?
No. Medicare Supplement plans automatically renew as long as you pay premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans that require yearly review during open enrollment.
What's the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement plans work with Original Medicare to cover out-of-pocket costs like deductibles and copayments. Medicare Advantage plans replace Original Medicare entirely, providing an all-in-one alternative with different networks, costs and coverage rules. Supplement plans offer more provider flexibility. Advantage plans often include extras like dental and vision coverage.
What are the best medicare advantage plans in Washington?
Cigna HealthCare leads for HMO plans in Washington with a $0 monthly premium and a 4-star CMS rating. Aetna's PPO earns the highest CMS rating at 4.5 stars with a $24 average monthly premium. Kaiser Permanente's HMO-POS plan averages $52 per month with a $4,500 maximum out-of-pocket.
Our Methodology
MoneyGeek collected Washington Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise noted, this article references quotes for 65-year-olds.
We scored Washington 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.
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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.