Alabama Medicare Costs in 2026: Part B, Plan G and Plan N

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Alabama filed rates pulled September 10, 2026, CSG Actuarial · Jefferson County (ZIP 35006)

Part B plus Plan G costs a 65-year-old in Jefferson County $326.96 to $521.11 a month in 2026, from CSG Actuarial filings pulled September 10, 2026. The $202.90 Part B premium never moves. The Plan G line does: $124.06 at Bankers Fidelity (Atlantic Capital Life), $318.21 at Guarantee Trust Life, 22 carriers between them. Identical benefits under federal law, so the whole $194.15 is price. Twelve months of it is $2,330; twenty years of it, with no increase at all, is $46,596.

Alabama is one of the few states where Plan F still outnumbers Plan G: 52,176 policies to 46,855 at the December 2023 NAIC count. 11 carriers filed increases of 15% or more on Plan G this year, so the number on this page matters less than the filing behind it. Rates are set by rating area, 16 of them for 67 counties, and the same Bankers Fidelity (Atlantic Capital Life) policy is $114.87 in Autauga County.

The carrier pays the broker. Your premium is the filed rate with or without us.

The Cheapest and Dearest Alabama Bill at 65

What both cover is set in federal statute: the $1,736 Part A deductible each benefit period, then everything Medicare approves after the $283 Part B deductible, which stays with you on G and on N. The left column of each bill is Medicare's and identical. Only the right column is the carrier's choice.

Halfway down the Jefferson County list sits HealthSpring Insurance (HCSC) at $179.48, a $382.38 bill. Statewide the median Plan G filing is $173.07; 5 of the other 27 states in our file have a lower floor than Alabama's $114.87. Among the flagship counties we track, Jefferson County's $124.06 ranks 8 of 28. Part D is not in these totals because it depends on the drug list.

Plan G in Jefferson County at 65, 70 and 75

Bankers Fidelity (Atlantic Capital Life) stays cheapest at each age in the table: $124.06 at 65, $130.34 at 70, $154.86 at 75, $183.62 at 80. That is a 25% climb from 65 to 75 before any block filing. The dearest line, Guarantee Trust Life, climbs 26% over the same decade. At 75 the full bill with Part B runs $357.76 to $605.02.

CSG Actuarial filings pulled September 10, 2026, quoted at ZIP 35006 in Jefferson County for a female non-smoker buying alone, no household discount. Men, tobacco users and other rating areas get different numbers. These rows are a filed table, not a quote.

County by County: $114.87 in Autauga County, $133.25 in Blount County

Alabama carriers file 16 rating areas. The cheapest-carrier line therefore moves with the address: $114.87 at the bottom in Autauga County, $133.25 at the top in Blount County, $18.38 apart for one insurer and one plan letter. Over a year that address difference is $221. Of the 10 key counties in the file, Madison County is cheapest at $114.87 and Shelby County dearest at $124.06. The lowest Medicare bill anywhere in Alabama, Part B included, is $317.77.

Each county is quoted at the ZIP covering the most of its land area; same profile as above.

Plan N in Jefferson County: Smaller Premium, Two Copays

The lowest Plan N here is Bankers Fidelity (Atlantic Capital Life) at $94.21, $29.85 under its own Plan G and $358 a year. For that, Plan N hands back two copays: up to $20 at some office visits, up to $50 at an emergency room that does not admit you. It also leaves Part B excess charges to the policyholder, and Alabama has no law forbidding them; Plan G pays them. 21 carriers file Plan N in Jefferson County, $94.21 to $272.00, with American Benefit Life at the median $125.20. The statewide Plan N floor is $87.23, in Autauga County.

Quoted on the same profile and ZIP as Plan G.

4 Alabama Carriers Discount a Second Policy in the House

Only 4 of the 22 carriers file a household discount in Alabama, and they range from 11.1% to 20%. The biggest belongs to HealthSpring Insurance (HCSC): 20% off a $179.48 Plan G leaves $143.58. Bankers Fidelity (Atlantic Capital Life), the cheapest single-applicant line, files none. Once discounts apply, AARP / UnitedHealthcare is the lowest line at $135.56.

The other 18 carriers give nothing for a spouse. Two adults at one address is the usual test, but every carrier phrases it differently, and some require both to hold a policy with them. We quote a couple two ways, together and apart, because the winning carrier changes.

11 Alabama Carriers Filed 15% or More in 2026

The CSG filing records for Alabama, January 2026 through September 2026, hold 17 entries. 11 of the 17 with a Plan G figure are at or above 15%, topped by WoodmenLife at +25.0% effective April 1, 2026. August 2026 alone carried 3 of those. 17 of the 17 rows matched a carrier in the Jefferson County table; the rest carry a name that did not match and so show no paired rate.

CSG Actuarial MedSupp filing records, January 2026 to September 2026. Effective dates can trail the report month. Each row is a block-wide change in Alabama, not one household's letter.

Read the two tables together. The lowest opening premium with a 15%-a-year habit passes the second-lowest with a 4% habit by the third renewal. The cross-state version of this list lives at 2026 Medigap rate increases.

How 20 of 22 Alabama Carriers Price Age

Attained-age rating covers 20 of the 22 Jefferson County carriers: the premium steps up on birthdays and the block filing lands on top of the step. Blue Cross Blue Shield is the single issue-age line at $237.00; it freezes the age at purchase, so only block filings move it afterward. AARP / UnitedHealthcare is the single community-rated line at $162.54, with a dearer class filed at $565.28; age never enters its price. The highest Plan G filed anywhere in Alabama is $318.21, from Guarantee Trust Life.

19 of the 22 carriers show a 2026 effective date on their Jefferson County rate, the latest being New Era Life on September 1, 2026. Alabama had 169,782 Medigap policies in force at the December 2023 NAIC count: 52,176 on Plan F (31%), 46,855 on Plan G (28%) and 10,743 on Plan N. Plan F cannot be sold to anyone who became eligible for Medicare on or after January 1, 2020, so this page prints no Plan F table.

Methodology

• Every premium is a carrier rate filing pulled from CSG Actuarial on September 10, 2026 and rendered from the Alabama data file. Nothing here was typed by hand.
• Profile: female, non-tobacco, individual, no household discount. Discounted lines are computed from the filed percentage.
• Jefferson County (ZIP 35006) is the flagship county. Each key county is quoted at the ZIP with the largest land overlap; Autauga County represents the rating area that covers 44 counties.
• A gap is the highest filing minus the lowest for the same plan letter, age and county. Twenty-year figures multiply the monthly gap by 240 and assume no increase.
• Carrier counts are the carriers that returned a filed quote for this profile on the pull date. Entries, exits and closed blocks change them.
• Alabama prices in 16 rating areas; the cheapest-carrier line spans $18.38 across them at 65.
• The Part B premium and both deductibles are 2026 CMS figures imported from a single file. Plan G does not pay the Part B deductible.
• Enrollment counts are statewide by plan letter, as of December 2023, from the NAIC Medicare Supplement Experience Exhibit via AHIP May 2025 report. Direct-to-consumer and guaranteed-issue rate classes are excluded from the tables.
• Filing rows come from CSG Actuarial's records for January 2026 to September 2026. A "No" row is a filing whose reported name matched nothing in the quote table and is never paired with a rate.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in Alabama and 34 other states. MedicareYourself (EasyKind Medicare) is an independent brokerage with no affiliation to Medicare, CMS or any carrier. The carrier pays the broker; the filed premium is the same with or without us.