Texas Medicare Broker: Filed Plan G Rates, and Who Raised Them in 2026
The cheapest Plan G filed in Texas costs $130 a month for a 65-year-old in Houston. The most expensive costs $285. 24 carriers sit between those two numbers (CSG Actuarial filed rates, 2026-07-12), and every one of them pays identical claims. The floor belongs to Bankers Fidelity, #1 of 24, with one filing on record: +4.9% in August 2025. The largest recent filing among the carriers we track here belongs to WoodmenLife: +41.6% effective February 2026.
Anthony Orner, independent Medicare broker, NPN 20586791, licensed in Texas and 34 other states. I work from 1309 Route 70 West in Cherry Hill, New Jersey, and every Texas client I have works with me by phone. A Texas Plan G is priced by the carrier's Texas filing and your ZIP, so the distance changes nothing about the rate. Carriers pay the broker; the price you pay is the same either way. Google shows 142 reviews for easyKind Medicare as of July 2026, every one of them five stars.
Call for the Texas Plan G List — 855-559-1700Where the 24 Texas Plan G carriers land
Filed rates for a 65-year-old woman, non-tobacco, ZIP 77002 in Houston, as of 2026-07-12. The spread is $155 a month, about $37,186 over 20 years before a single rate increase lands. Plan N from the same field runs $99 to $243.
| Plan | Lowest filed rate | Highest filed rate | Carriers quoting |
|---|---|---|---|
| Plan G | $130/mo | $285/mo | 24 |
| Plan N | $99/mo | $243/mo | 23 |
Texas carriers file by rating area, so a Dallas, Austin, San Antonio, or El Paso ZIP returns its own numbers from the same carriers. Houston is the sample. Your ZIP is the quote.
Two answers that move a Texas quote before the plan letter does
4 of the 24 Plan G carriers file a household discount, and in Texas it reaches 20% (the range is 11.1% to 20%). Tobacco goes the other way: 31 of 32 carriers quoting a tobacco user add a surcharge, about 38% on average and as high as 323.4%. I quote couples twice and smokers on the tobacco table from the first call.
Named Texas carriers: filed rate, rank, and the 2026 filings
The carriers we've reviewed in depth, ranked among the 24 Texas Plan G filers, with each one's latest Texas filing (carrier data as of 2026-07-15). The names link to the full reviews.
| Carrier | Plan G at 65 | Market rank | Latest TX filing |
|---|---|---|---|
| Bankers Fidelity | $130/mo | #1 of 24 | +4.9% (2025-08-01) |
| Insurance Co of North America (Chubb) | $165/mo | #4 of 24 | — |
| Medico | $175/mo | #7 of 24 | +24.28% (2026-02-01) |
| WoodmenLife | $198/mo | #14 of 24 | +41.6% (2026-02-15) |
| Humana | $218/mo | #18 of 24 | +18.02% (2026-04-01) |
| Mutual of Omaha | $266/mo | #21 of 24 | +25% (2026-07-01) |
WoodmenLife's +41.6% took effect February 2026, on top of +9.01% in May 2024. Mutual of Omaha filed +25% effective June 2025 and +25% effective July 2026, and now sits #21 of 24 at $266. Bankers Fidelity holds #1 with a single filing on record, +4.9% in August 2025. One small filing is a short record. I say that on every call where it comes up cheapest, and then we look at the next two names.
What a Texas caller gets on the phone
Here are three ways a Texas call starts. The first is a rate letter. For that caller I pull today's filed list at their ZIP, show where the current carrier fell, and go through the new carrier's health questions before anyone talks about switching.
The second is turning 65. The question I hear most is "how much are you paying for that?", usually about a neighbor's plan. The answer tells me which carrier the neighbor picked, not whether it was a good pick. We start from the filed list instead.
The third is travel. "If I'm out of state, am I still covered?" With a Medigap plan, yes, at any provider that takes Original Medicare, in Texas or not. Medicare Advantage is where the network question lives, and I'll say which one fits before I quote either.
One thing to know before you dial: the office is in Cherry Hill, New Jersey. I'm licensed in Texas, the policy is a Texas policy at the Texas filed rate, and the whole process runs by phone and the carrier's own application.
Rate letter in hand?
Call with the letter and your ZIP. In one call you'll hear where that carrier now ranks among 24 Texas Plan G filings and what the two cheapest names would cost you.
855-559-1700Get a Texas Quote OnlineTexas Medicare Broker FAQ
Go deeper on Texas Medicare
- Best Medicare Supplement Plans in Texas (2026)
- Texas Medigap Rate Index: every carrier's filed range
- Your region: DFW Metroplex · Greater Houston · Central Texas
- Bankers Fidelity Medicare Supplement Review
- Atlantic Capital Life & Assurance Review
- How to Apply for a Bankers Fidelity Medicare Supplement
- Compare Medicare Supplement Policies
- How to Switch Medigap Carriers