Best Medicare Supplement Plans (2026)

When we compared Medicare Supplement plans across major insurers, one finding shaped every recommendation on this page: plan benefits are legally identical, but prices aren't. The same Plan G coverage costs $203 monthly with AFLAC and $306 on average elsewhere. That $103 monthly gap is $1,236 per year for the exact same benefits. Choosing the wrong carrier doesn't get you more coverage. It just costs you more.

The clearest pattern in our data is that no single insurer is the best Medicare Supplement provider for every plan. AFLAC wins on the three most popular plan types (G, F and N), but United American has better pricing on Plan A and high-deductible options. Aetna leads on two plans where AFLAC doesn't compete as aggressively. The right provider depends entirely on which plan you need.

Medicare Supplement premiums vary dramatically by state due to different regulations, competition levels and rating methods. While plan benefits are standardized nationwide, a Plan G policy in Florida might cost $150 monthly while the same coverage in New York could run $300 monthly. State insurance departments regulate which rating methods insurers can use (Community-rated, Issue-Age-rated or Attained-Age-rated), affecting how premiums change over time.

MoneyGeek has analyzed the best Medicare Supplement plans in every state. Find your state below to review the best providers available to you.

Medicare Supplement plans are standardized at the federal level, so Plan G benefits remain identical whether you buy from AFLAC, Aetna or any other insurer. What changes is the premium. A Plan G policy might cost $203 monthly with one provider and $306 monthly with another for the exact same coverage.

The most common mistake in plan selection is choosing based on current premium without accounting for how costs change with age. Our data shows Plan C costs jump from $387 monthly at 65 to $419 monthly at 75, a larger dollar increase than most other plan types. High-deductible plans stay nearly flat across the same age range. The right plan depends on both what you'll use now and how the premium trajectory fits your retirement budget.

Most Comprehensive Coverage

• Plan F has the highest level of coverage by filling all Medicare gaps, including the Part B deductible and excess charges. This is unavailable to people who became eligible for Medicare after 2020.
• Plan G covers all gaps except the Part B deductible. Averaging $306 per month, Plan G gives comprehensive coverage with little out-of-pocket costs.

Best Value Options

• Plan N delivers strong coverage at lower monthly premiums, averaging $249. You'll pay small copayments for doctor visits (up to $20) and emergency room visits (up to $50).
• Plan D is like Plan G but excludes coverage for Part B excess charges, often resulting in lower premiums.

Budget-Friendly Choices

• Plan K has low premiums at $127 monthly, with 50% cost-sharing and an annual out-of-pocket limit of $7,060 in 2025.
• Plan L covers 75% of costs and caps out-of-pocket spending to $3,530 annually. Averaging $218 monthly, Plan L provides more coverage than Plan K.
• Plan M covers half of the Part A deductible and has monthly premiums around $278 monthly.

Premium Coverage

• Plan C includes coverage for the Part B deductible and foreign travel emergencies but isn't available to beneficiaries who became eligible for Medicare after 2020. Plan C costs an average of $387 per month and provides similar coverage to Plan G.

Medicare Supplement premiums depend on plan type, with monthly costs ranging from $71 to $387 on average for 65-year-olds. High-deductible Plan F is the cheapest plan in our analysis, averaging $71 monthly, while Plan C costs the most at $387 monthly ($4,643 annually). Most people choose plans like Plan G ($306 monthly) or Plan N ($249 monthly).

Your age also affects your Medicare Supplement plan cost. Premiums increase an average of about 5% between ages 65 and 75, though the impact varies by plan type and insurer rating method. Plan C sees the largest increase from $387 to $419 monthly, while high-deductible plans remain relatively stable with minimal age-related increases.

The sharpest value observation in our cost analysis is the gap between Plan G and high-deductible Plan G. Full Plan G at $306 monthly costs $230 more than high-deductible Plan G at $76 monthly. That $2,760 annual premium difference buys you certainty about out-of-pocket costs. Whether that trade-off makes sense depends on your health, your risk tolerance and whether you have savings to cover the high-deductible plan's upfront costs before benefits kick in.

Medicare Supplement insurance can feel complicated, so we've answered common questions about coverage, enrollment periods and switching plans to help you make informed decisions.

MoneyGeek collected data for all Medicare plans nationwide 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 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 and state 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. Providers that have broader nationwide availability across more states also score higher.

Learn more in our full Health Insurance Methodology.