HealthSpring (formerly Cigna) Medicare Supplement Review (2026): Cost, Pros & Cons

HealthSpring competes most strongly for buyers in community-rated states who want Plan N. For that specific buyer, the below-average Plan N rate combined with a pricing method that doesn't rise with age is a pairing fewer than one in four Medigap markets can offer. 

Its AM Best A (Excellent) rating, affirmed in January 2026 after its transfer to HCSC, indicates the financial strength to pay claims reliably over the life of a policy. For a policy held 20 or more years, that financial stability matters as much as the starting premium. 

HealthSpring's complaint rate is above the Medigap industry average. Buyers who prioritize service consistency should weigh that alongside the rate.

HealthSpring offers below-average Plan N pricing and discount stacking that most Medigap carriers don't offer. Its Plan G costs above the national average and attained age pricing in most states means premiums rise each year. It offers fewer plan choices than some other competitors, with Plan N unavailable in Delaware and Ohio.

Original Medicare pays most hospital and medical costs but leaves deductibles, coinsurance and copayments to you. A Medigap plan pays some or all of what Medicare doesn't cover. The plan letter you choose determines which gaps get filled and what you pay each month. HealthSpring offers seven plan types, though not every state carries every plan.

• Plan G: Most comprehensive option available to new Medicare enrollees and the most popular Medigap plan in the country. For a 65-year-old, HealthSpring charges $162 a month, which is $11 above the national average but still HealthSpring's lowest-priced plan.
• Plan F: Covers everything Plan G does plus the $283 Part B deductible in 2026. That extra coverage adds $90 a month compared with Plan G at HealthSpring. Federal law limits Plan F to buyers who became eligible for Medicare before January 1, 2020. At $252 a month for a 65-year-old, it costs $9 above the national average for that plan type.
• Plan N: HealthSpring's most competitively priced option relative to the market. At $175 a month for a 65-year-old, it costs $13 below the national average. It covers the Part A deductible and skilled nursing coinsurance but not Part B excess charges, the additional amount some doctors can bill beyond what Medicare approves. Copays of up to $20 per doctor visit and up to $50 per emergency room visit apply.
• Plan A: The most basic Medigap option, covering Part A coinsurance, hospital costs for up to 365 additional days and Part B coinsurance. It doesn't cover the Part A deductible, skilled nursing coinsurance or Part B excess charges. At $237 a month for a 65-year-old, Plan A costs $75 more than Plan G at HealthSpring despite offering less coverage.
• Plan B: Plan B adds the Part A deductible to everything Plan A covers. That single addition matters if you have a hospital stay, since the $1,736 Part A deductible in 2026 is the largest single cost gap Plan A leaves open. HealthSpring offers Plan B only in Pennsylvania. At $205 a month for a 65-year-old, it costs $48 below the national average for that plan type.
• Plan C: Provides comprehensive coverage including both Part A and Part B deductibles, skilled nursing coinsurance, Part B excess charges and foreign travel emergency care. At $269 a month, it is HealthSpring's highest-priced plan. Federal law limits it to buyers who became eligible for Medicare before January 1, 2020. HealthSpring offers Plan C in New Jersey only.
• Plan D: Covers the Part A deductible, skilled nursing coinsurance and foreign travel emergency care but not the Part B deductible or Part B excess charges. At $218 a month, it falls between Plan N and Plan A on price. HealthSpring offers Plan D in select states including New Jersey.

High-Deductible Plans G and F

HealthSpring also offers high-deductible versions of Plans G and F in select states. These plans carry the same benefits as their standard versions but require you to meet a deductible before coverage starts. Monthly premiums are lower upfront, but out-of-pocket costs are higher until the deductible is met.

HealthSpring's Medigap premiums range from $162 to $269 a month for a 65-year-old depending on plan. Before comparing these figures against other carriers, note that you also pay the monthly Medicare Part B premium of $202.90 in 2026 on top of any Medigap premium. The plan you choose affects your out-of-pocket costs, not what Original Medicare pays.

HealthSpring's Plan N is the only plan that costs below the national average at 65, at $175 a month, $13 below average. At $162, Plan G costs $11 above average. Plan N comes with per-visit copays. Plan G has no copays but doesn't cover the $283 Part B deductible in 2026.

Plan A costs $75 more a month than Plan G at HealthSpring despite offering less coverage. In most Medigap markets, simpler plans carry lower premiums than comprehensive ones. At HealthSpring, that relationship is reversed. New enrollees comparing options should know Plan G is both the cheapest and the most comprehensive plan available to them.

By 75, Plan G reaches $203 a month, $41 more than at 65. That increase reflects attained age pricing in most states, where your premium rises each year. Plan N follows this same path and rises to $227 a month by age 75. The starting rate is only part of the cost picture for buyers planning to hold this policy for a decade or more.

HealthSpring's annual rate increases have been below the Medigap industry average in recent years, based on available rate data. A lower starting rate from a carrier with steeper annual increases can cost more at 75 than a higher starting rate from a carrier with more stable pricing. Rate increase history is as important as the year-one premium when comparing Medigap options.

HealthSpring's household and online enrollment discounts can bring a $162 Plan G premium down to $143 a month for eligible buyers. That $19 monthly difference adds up to over $2,000 across 10 years. Discount availability and size vary by state. Confirm what applies where you live before factoring it into your comparison.

HealthSpring's Plan G starts above average at 65. In community-rated states, a carrier with a higher starting rate can cost less at 75 or 80 if it holds rates flat. A 10-year projection is more accurate than a year-one comparison when evaluating competing quotes for the same standardized plan.

HealthSpring sells Medicare Supplement insurance in 43 states plus Washington, D.C. Plan availability varies by state, with most states offering Plans A, F, G and N. Minnesota and Wisconsin use state-specific Medigap plan structures instead of the standard lettered plans. HealthSpring uses different pricing methods depending on your location, which affects how your premiums change over time.

We collected rate data for all available Medigap plans nationwide using Medicare.gov's plan browsing tool, covering every carrier that files rates in each state, which is how its pricing compares against the national averages shown in the cost table below.

Cigna includes wellness benefits not found in the standard Medigap coverage terms. The premium discounts reduce your monthly cost by up to 12% and the Healthy Rewards program cuts out-of-pocket spending on wellness services.   

• Premium Discounts
  HealthSpring's household discount applies when multiple adults in the same home enroll. A separate discount applies for completing your application online. Together, these can reduce a $162 Plan G premium to $143 a month for eligible buyers. Discount availability and size vary by state.
• Healthy Rewards Program
  HealthSpring members get discounts on services Medicare doesn't cover. That includes fitness memberships, vision care, chiropractic services, hearing services, weight loss programs, acupuncture and massage. These aren't insurance benefits and availability varies by state and plan.
• 24/7 Health Information Line
  HealthSpring members can reach a licensed nurse by phone at any time. This line is for health questions and guidance between doctor visits, not for claims or policy service.
• Note: Like all Medicare Supplement plans, HealthSpring policies allow you to see any Medicare-accepting doctor without a referral. Your policy stays active as long as you pay your premium.

Find which plans are available in your state and see what pricing method HealthSpring uses where you live.

The rates above are state-specific. Nationally, HealthSpring's Plan G averages $162 a month at 65, $11 above the national average. Plan N averages $175 nationally, $13 below the national average. Use the filter above to see what HealthSpring charges in your state.

HealthSpring is the new brand for Cigna's Medicare business, which Health Care Service Corporation (HCSC) acquired in March 2025. HCSC operates several Blue Cross Blue Shield plans and its Medicare Supplement group carries an AM Best A (Excellent) rating, affirmed January 2026. Coverage and benefits for existing policyholders are unchanged.

HealthSpring sells Medicare Supplement plans in 43 states plus Washington, D.C. Plans aren't available in Massachusetts or New York. If you are also weighing Medicare Advantage, note that CMS assigned HealthSpring's MA contract a Low Performing Icon for 2026, a designation reserved for consistently low quality ratings. That applies to the MA product, not Medigap.

Medigap plans are federally standardized. Plan G from HealthSpring covers the same cost gaps as Plan G from any other carrier. What differs between providers is the monthly premium, the pricing method, the discount structure and how rates change over time. These carriers are the most-compared alternatives in our data.

UnitedHealthcare Medicare Supplement 
UnitedHealthcare offers more plan types than HealthSpring in most states and broader national availability. Buyers who want Plan B, C or D and can't get them through HealthSpring should compare UnitedHealthcare's rates in their state.

Blue Cross Blue Shield Medicare Supplement 
BCBS operates through regional affiliates, meaning pricing and plan availability vary more by state than with national carriers. Check what your local BCBS affiliate offers before comparing its rate against HealthSpring's.

Humana Medicare Supplement 
Humana competes on Plan G pricing in select states. In attained age markets, compare Humana's Plan G trajectory against HealthSpring's over 10 years, not just at 65.

Aetna Medicare Supplement 
Aetna offers Plan G and Plan N in overlapping markets. Whether Aetna or HealthSpring prices better depends on your state's pricing method and your age at enrollment.

Transamerica Medicare Supplement 
Transamerica is worth considering if community-rated pricing isn't available from HealthSpring or your top choices in your state.

Anthem Medicare Supplement 
HealthSpring's Plan G costs above average in most markets. In those markets, Anthem is worth including in your rate comparison for the same standardized benefits.

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.