Medicare Supplement (Medigap): State Guides & Carrier Reviews
By Anthony Orner, Independent Licensed Medicare Insurance Broker — appointed with multiple carriers
Medicare Supplement (Medigap) plans are federally standardized — every Plan G has identical benefits no matter which company sells it — so choosing well comes down to two things: what each carrier charges in your state, and how fast it has been raising rates. This hub collects our state pricing guides and data-driven carrier reviews, built on actual rate filings and loss ratios rather than marketing claims. As an independent brokerage appointed with multiple carriers, we compare every carrier's filed rate side by side — unbiased, and at no cost to you, because brokers are paid by the carrier you choose at the same rate regardless of company.
Medigap Pricing by State
New Jersey Medigap Guide
Plan G and Plan N pricing, carrier rankings, and NJ-specific consumer protections.
NJ Medigap Rate Index 2026
Original filed-rate dataset: lows, highs, spreads, and household discounts across every NJ carrier.
Pennsylvania Medigap Guide
What Plan G actually costs across PA and which carriers price it sustainably.
Ohio Medigap Guide
32 carriers and the widest filed-rate spread we track — the state where comparing pays most.
Texas Medigap Guide
Filed Plan G rates from 24 carriers, DFW to the Valley, with full filing history.
North Carolina Medigap Guide
Filed Plan G rates from 30 carriers across 73 rating areas, with the rate index and 65-to-69 pricing one click away.
Indiana Medigap Guide
Filed Plan G rates from 27 carriers across 85 rating areas, the finest-grained pricing map in our file, plus the carriers that filed 2026 increases.
Arizona Medigap Guide
Filed Plan G rates from 29 carriers across 14 rating areas — the widest Plan G spread in our file — plus the carriers that filed 2026 increases.
South Carolina Medigap Guide
Filed Plan G rates from 25 carriers across 42 rating areas — yet one carrier holds the floor in every key county — plus the carriers that filed 2026 increases.
Kansas Medigap Guide
Filed Plan G rates from 25 carriers across 28 rating areas — one carrier holds the Plan G floor almost everywhere, but a Kansas-based carrier takes the Plan N floor in three Kansas City-area counties.
Florida Medigap Guide
23 carriers filing Plan G in Hillsborough County, from $200.58 at 65 (CSG filings, September 2026). Every carrier prices on issue age, and Miami costs more than Tampa for the same plan.
Georgia Medigap Guide
20 carriers filing Plan G in Fulton County, from $144.62 at 65 (CSG filings, September 2026). Bankers Fidelity sets the floor and most carriers file a household discount.
Virginia Medigap Guide
21 carriers filing Plan G in Fairfax County, from $109.75 at 65 (CSG filings, September 2026). The lowest filed Plan G in our 21-state dataset.
Michigan Medigap Guide
27 carriers filing Plan G in Wayne County, from $113.48 at 65 (CSG filings, September 2026). Grand Rapids and Detroit pay different prices for the same carrier.
Tennessee Medigap Guide
28 carriers filing Plan G in Davidson County, from $145.19 at 65 (CSG filings, September 2026). Near-uniform pricing statewide, and a long run of double-digit 2026 filings.
What Medicare Costs in Alabama
Part B plus 22 filed Plan G lines in Jefferson County, from $124.06 at 65 (CSG filings, September 2026). Plan F still outnumbers Plan G, and eleven carriers filed 15% or more this year.
What Medicare Costs in Arkansas
Part B plus 23 filed Plan G lines in Pulaski County, from $164.70 at 65 (CSG filings, September 2026). Every carrier is community-rated: age never moves the premium, block filings do.
What Medicare Costs in Mississippi
Part B plus 23 filed Plan G lines in Hinds County, from $115.11 at 65 (CSG filings, September 2026). Hinds County holds the statewide floor; the cheapest Plan N is a different carrier.
What Medicare Costs in West Virginia
Part B plus 25 filed Plan G lines in Kanawha County, from $125.32 at 65 (CSG filings, September 2026). Three rating areas, near-uniform prices, and a caution for Bankers Fidelity shoppers.
What Medicare Costs in Delaware
Part B plus 20 filed Plan G lines in New Castle County, from $155.07 at 65 (CSG filings, September 2026). One rating area for the whole state, a near-tie at the floor, and Plan F still ahead of Plan G.
What Medicare Costs in Wyoming
Part B plus 18 filed Plan G lines in Laramie County, from $137.76 at 65 (CSG filings, September 2026). The thinnest carrier board we track, one floor statewide, and most filings this year at 15% or more.
What Medicare Costs in Montana
Part B plus 22 filed Plan G lines in Yellowstone County, from $142.15 at 65 (CSG filings, September 2026). The Bankers Life carrier at the floor, Bankers Fidelity at the ceiling, and the floor changing hands with age.
What Medicare Costs in Colorado
Part B plus 24 filed Plan G lines in Denver County, from $127.65 at 65 (CSG filings, September 2026). Thirty rating areas: Denver pays more than Fort Collins and Pueblo for the same carrier, and the floor is a long way ahead of second.
2026 Medigap Rate Increases by State
Every carrier rate change filed in the CSG Actuarial filing records, December 2025 through June 2026, state by state.
Carrier Reviews — Honest Data
Each review reports the carrier's filed rate increases, annual loss ratios, and where its Plan G actually ranks against every competitor in the state — including when the honest answer is “shop elsewhere.”
Mutual of Omaha Medigap Review
One of the largest Medigap writers in the country — rate history and state-by-state pricing reviewed.
Humana Medigap Review
Rate filings, loss ratios, and why its Plan G ranks very differently in PA, NJ, OH, and TX.
Medico Medigap Review
A smaller carrier that often prices aggressively — what the filings actually show.
Bankers Fidelity Medigap Review
Frequently among the cheapest Plan G rates, with a paper-application quirk worth knowing about.
WoodmenLife Medigap Review
A fraternal benefit society writing Medigap — how its rates and structure compare.
HealthSpring Medigap Review
Two separate filing companies behind one brand name — which one writes in your state, and what each has filed since 2023.
LifeShield National Medigap Review
Cheapest Plan G in Tennessee, top-3 in 12 of 23 states. A young block whose filings climb every year.
GPM Health and Life Medigap Review
Cheapest Plan G in West Virginia, Oklahoma and Florida, top-3 in 6 of 22 states. Also in the bottom three of 15 boards; the filing history explains both.
Nassau Life Medigap Review
Cheapest Plan G in Delaware and Pennsylvania, top-3 in 6 of 14 states. It cut rates in 2021 and 2022; now it is filing double digits.
Washington National Medigap Review
Cheapest Plan G in Montana and New Jersey, top-3 in 5 of 28 states. The company behind Bankers Life Medigap; the Plan N is the product.
Members Health Medigap Review
Cheapest Plan G in Michigan, top-3 in 3 of 5 states. Unrated by AM Best, with one triple-digit filing on record.
Old Surety Life Medigap Review
Cheapest Plan G in Nebraska, top-3 in 3 of 7 states. Issue-age pricing, no Plan N anywhere in our file, and six states took a 15%-plus filing in 2026.
Compare & Switch
Compare Medigap Policies
Plan G vs. Plan N vs. High-Deductible G — how the standardized plans differ and who each fits.
Switch Medigap Carriers
Keep identical benefits and pay less — how switching works and when underwriting applies.
Medigap Enrollment Guide
Step-by-step: choosing a plan letter, picking a carrier, and applying at the right time.
Do You Need an Agent?
How to buy Medigap direct, what it costs you, and the carriers that only sell through agents.
New to Medigap? Start Here
What Medigap covers, how it works with Original Medicare, and how plans are standardized.
Frequently Asked Questions
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