When we analyzed Medicare Supplement plans in Washington, the cheapest provider for Plan G and Plan F is the same company, Ace Property and Casualty, while a different carrier leads for Plan N. Ace Property and Casualty has the lowest rates for Plan G ($206 per month) and Plan F ($264 per month). Medico Corp has the lowest Plan N rate at $147 per month, $53 below the state average.
Best Medicare Supplement Plans in Washington (2026)
Updated: June 15, 2026
Advertising & Editorial Disclosure
Key Takeaways
Ace Property and Casualty has the lowest rates in Washington for Plan G and Plan F, 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 at least three Washington Medicare Supplement companies. Rates for identical coverage vary by $50 or more per month across carriers, so comparing before you enroll can save hundreds annually.
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 has the lowest prices for Plan G at $206 per month, $53 below the state average. Blue Cross Blue Shield and Medico Corp are both $208 per month, $51 below average. Bankers Life at $234 and above costs $28 more per month than Ace, adding up to $336 per year.
| 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 Plan F rate in Washington at $264 per month, $76 below the state average. Transamerica follows at $268 and Medico Corp at $286. The top two providers are within $4 per month of each other, United American at $321 costs $57 more per month than Ace or $684 more per year.
| 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
Medico Corp has the lowest Plan N rate in Washington at $147 per month, $53 below the state average. Plan N covers doctor visits and emergency care with copays of $20 and $50. Ace Property and Casualty is $155 per month and Wellcare is $178 per month. Medico Corp's $147 rate saves $636 per year compared to the Plan N state average.
| 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 the provider and plan type you choose.
| 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
Seniors with ongoing conditions or frequent specialist visits spend less overall on Plan G or Plan F, where out-of-pocket costs are predictable after a single annual deductible.
Seniors who stay healthy and see a doctor a few times a year often pay less total with Plan N's lower premium, even accounting for the $20 doctor visit copay and $50 emergency room copay. Plans K and L work for seniors who want lower monthly costs and can absorb some percentage-based cost sharing up to an annual cap.
If you travel frequently, Plans G, F and N all cover care at any Medicare-accepting provider nationwide with no network restrictions.
- 2Compare Plan Types
Plan G covers hospital costs, coinsurance and the Medicare Part A deductible for new Medicare beneficiaries, with no additional out-of-pocket costs after the Part B deductible. Plan F, available only if you enrolled in Medicare before 2020, covers all out-of-pocket costs. Plan N pays for doctor visits and hospital stays, with lower premiums than Plan G but copays of $20 per doctor visit and $50 per emergency room visit.
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 each cover a different subset of Medicare costs, while Plans B and M add coverage for the Medicare Part A deductible that Plan A doesn't include.
- 3Get Multiple Quotes
Get quotes from at least three companies. Insurers charge different rates for identical coverage, and the gap between cheapest and most expensive for the same plan type can vary by $50 or more per month in Washington.
- 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 keep your premium from rising as you age, unlike Attained Age plans where premiums increase every year.
- 5Check Company Ratings
Check AM Best ratings for financial stability and customer satisfaction scores for service quality. A lower monthly premium loses its value if your insurer's AM Best rating falls below A or if complaint data shows slow claims handling.
- 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.
You've reviewed Washington's Medigap market, compared plan types and checked pricing. The next step is getting quotes from at least three companies for your target plan type.
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.
Which Medicare Supplement Plan in Washington Should You Choose?
Plan G from Ace Property and Casualty at $206 per month. It covers everything except the Part B deductible and gives you the most coverage available to new enrollees with the lowest rate in the state for that plan.
If you have chronic conditions, regular specialist visits or prescriptions that require frequent prior authorizations, Plan G is the clearer call. The predictability of zero out-of-pocket after the Part B deductible matters more than the monthly savings on Plan N.
If you were eligible for Medicare before 2020 and still have access to Plan F, Ace covers it at $264 per month, $76 below the state average. Plan F covers the Part B deductible, coinsurance and hospital costs with no cost-sharing at all. It's the only Medigap plan that eliminates every Medicare out-of-pocket cost for those who enrolled before 2020.
Medicare Supplement Plans in Washington: FAQ
Find answers to frequently asked questions about Medigap coverage in Washington below.
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.
Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G covers hospital costs, coinsurance and copayments, with no out-of-pocket costs after the Part B deductible. Plan F covers all Medicare out-of-pocket costs, including the Part B deductible, but is available only to those who enrolled in Medicare before 2020. Plan Plan N has lower premiums with copayments of $20 for doctor visits and $50 for emergency room visits. Learn more about Medicare coverage.
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 have an annual window each fall where you can switch or change plans.
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. Medicare Supplement plans cover care at any Medicare-accepting doctor or hospital in the country, with no network restrictions.
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 rate data in May 2026 for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. We reviewed rates from 15 carriers offering Medigap plans in Washington. 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.
Related Pages
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.
Sources
- Medicare.gov. "Find a Medigap policy that works for you." Accessed July 10, 2026.
- Medicare.gov. "Medigap (Medicare Supplement Health Insurance)." Accessed July 10, 2026.