Best Medicare Supplement Plans in Arizona: 2026 Rates
By Anthony Orner, Independent Licensed Medicare Insurance Broker · Arizona filed-rate data pulled September 10, 2026, CSG Actuarial · Maricopa County (ZIP 85354)
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29 carriers quote a woman turning 65 in Maricopa County anywhere from $146.51 to $457.03 a month for the identical Plan G benefit (CSG Actuarial filings, pulled September 10, 2026). No other state in our 28-state file spreads its Plan G board that wide.
GPM Health and Life charges 3.1 times what Bankers Fidelity (Atlantic Capital Life) does for that same benefit — over 20 years with no further filings, that gap alone adds up to $74,525. It gets stranger: Arizona slices its Medigap map into 14 rating areas across 15 counties, and Bankers Fidelity (Atlantic Capital Life)'s own Maricopa County line, $146.51, runs higher than the $133.19 that same company files in Coconino County. Two pages sort out what to do with that: the full monthly bill once Part B is added, and the carriers whose 2026 filings moved the needle most.
Published September 29, 2026 · Filed-rate data pulled September 10, 2026 · Source: CSG Actuarial · Profile: female, non-tobacco, individual, no household discount
A carrier's commission is baked into the filed rate; nothing is added for going through a broker.
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What Plan G and Plan N Cost in Maricopa County at 65
Maricopa County at ZIP 85354, CSG Actuarial filings pulled September 10, 2026: a female, non-tobacco individual buyer, no household discount. Each row is that carrier's lowest rate class. Arizona splits into 14 rating areas, so this is one table of many — a ZIP outside Maricopa County can land on a different set of numbers entirely.
| Plan | Cheapest filing | Carrier | Highest filing | Carrier | Monthly spread | Carriers |
|---|---|---|---|---|---|---|
| Plan G | $146.51 | Bankers Fidelity (Atlantic Capital Life) | $457.03 | GPM Health and Life | $310.52 | 29 |
| Plan N | $106.95 | Bankers Fidelity (Atlantic Capital Life) | $278.00 | United American | $171.05 | 29 |
$106.95 is the Plan N floor, $39.56 below the cheapest Plan G, both of them Bankers Fidelity (Atlantic Capital Life). What you give up for that discount: up to $20 on some office visits, up to $50 at an ER trip that does not admit you, and Part B excess charges that stay on your bill. The $283 Part B deductible falls to you either way.
Three Things That Decide an Arizona Medigap Price
Rate Type: 26 of 29 Lock In at Purchase
Arizona is an issue-age market: 26 of 29 carriers price by the age you were when you bought, so the rate never steps up on a birthday, only when the carrier refiles the block. Everence Association is the exception, an attained-age line at $264.64 that climbs every year on top of its filings. AARP / UnitedHealthcare and Blue Cross Blue Shield are community rated, one price at any age.
Rating Area: 14 Zones, Two Floor Carriers
Arizona files 14 rating areas across 15 counties. Only two carriers hold the floor anywhere in our key counties, at $133.19 in Coconino County up to $146.51 in Maricopa County — a $13.32 gap for the same plan letter, sometimes the same company.
Carrier Identity: One Name, Two Prices
"Humana Insurance Company" sits twice on the Maricopa County board, $199.33 and $354.71 — two different NAIC-coded companies sharing a brand name, not one line that jumped $155.38. Federal law standardizes the benefits, so every Maricopa County filing pays identical claims regardless of name. We key a quote on NAIC, never on the name printed on the letter.
Which Arizona Counties Sit on Which Price Line
10 Arizona counties were quoted as key markets on September 10, 2026. Their cheapest Plan G at 65 lands on 3 price lines held by 2 carriers. The county low moves $13.32 across the state, and Maricopa County's own line is not the cheapest one Bankers Fidelity (Atlantic Capital Life) files.
| Cheapest Plan G at 65 | Carrier | Counties on this line |
|---|---|---|
| $133.19 | Bankers Fidelity (Atlantic Capital Life) | Pima County, Yavapai County, Mohave County, Coconino County (4) |
| $145.00 | WMI Mut Ins Co | Pinal County, Yuma County, Cochise County, Navajo County, Apache County (5) |
| $146.51 | Bankers Fidelity (Atlantic Capital Life) | Maricopa County (1) |
Maricopa County sit on the $146.51 line; Pima County, Yavapai County, Mohave County and Coconino County sit on the $133.19 line, the cheapest of the three. The Arizona cost page carries the full county table with the Part B premium added and the purchase-age progression by carrier.
Arizona Medigap Rate Filings in the 2026 Reports
The CSG Actuarial filing records from January 2026 through September 2026 carry 24 Arizona rows with a Plan G line. Of those 24, 24 are increases, and 15 of the increases run 15% or more. The largest is American Benefit Life at +35.0%, effective September 1, 2026, also the newest filing on record. LifeShield National, the second-cheapest Maricopa County Plan G at $155.72 on September 10, 2026, has filed +20.0% for June 1, 2026. Both numbers belong in the same sentence when you compare quotes. A filing is the carrier's change on its Arizona block, not one person's renewal letter, and its effective date can sit months before or after the report that lists it.
| Carrier (as filed) | Effective | Plan G | Plan N | Maricopa County Plan G at 65 |
|---|---|---|---|---|
| Guarantee Trust Life | January 1, 2026 | +9.9% | — | $299.32 |
| Humana Insurance Company | January 1, 2026 | +25.0% | — | $199.33 |
| United American | January 1, 2026 | +10.8% | — | $186.00 |
| WoodmenLife | January 1, 2026 | +15.0% | — | $187.63 |
| WPS Health Solutions | January 1, 2026 | +13.5% | — | $205.85 |
| ManhattanLife | February 1, 2026 | +24.0% | — | $224.25 |
| State Farm | February 1, 2026 | +7.5% | — | $184.11 |
| Mutual of Omaha | February 15, 2026 | +25.0% | — | $243.17 |
| Aetna Hlth & Life Ins Co | March 1, 2026 | +20.0% | — | $217.50 |
| Aflac (Tier One Insurance) | March 1, 2026 | +25.0% | — | $191.99 |
| Blue Cross Blue Shield | April 1, 2026 | +29.0% | — | $362.34 |
| Everence Association | April 1, 2026 | +13.3% | — | $264.64 |
| Humana Insurance Company | April 1, 2026 | +15.0% | — | $354.71 |
| Pekin Life Ins Co | May 1, 2026 | +25.0% | — | $244.51 |
| AARP / UnitedHealthcare | June 1, 2026 | +10.0% | — | $176.12 |
| AARP / UnitedHealthcare | June 1, 2026 | +30.6% | — | $231.32 |
| LifeShield National | June 1, 2026 | +20.0% | — | $155.72 |
| New Era Life | June 1, 2026 | +18.0% | — | $203.37 |
| USAA Life | June 1, 2026 | +11.0% | — | $186.75 |
| Washington National | June 1, 2026 | +26.4% | — | $194.52 |
| Bankers Fidelity (Atlantic Capital Life) | August 1, 2026 | +11.9% | — | $146.51 |
| Insurance Company of North America (Chubb) | August 1, 2026 | +17.0% | — | $171.58 |
| American Benefit Life | September 1, 2026 | +35.0% | — | $218.25 |
| Medico Insurance Company | September 1, 2026 | +6.8% | — | $187.53 |
24 of the 24 rows match a carrier in the Maricopa County quote table. The rest are closed blocks, group business or names the filing did not match, so no quote is shown beside them. Every state's 2026 filings are on the 2026 Medigap rate increases page.
The Lettered Plans, and What Each One Leaves With You
No Arizona carrier gets to write its own benefit chart — the lettered plans are federal, identical company to company. On Plan G, the only bill left in your name is the $283 Part B deductible. Plan N shaves the premium in exchange for copays and Part B excess exposure. Plan F stopped taking new buyers on January 1, 2020, the day CMS closed it to anyone newly eligible for Medicare. Even so, 137,901 Arizonans were still on that closed Plan F as of December 2023, next to 170,352 on Plan G and 27,330 on Plan N — legacy policyholders, counted statewide by letter in the NAIC exhibit AHIP published in May 2025.
| Plan | What it leaves with you | In one line |
|---|---|---|
| Plan A | Both deductibles, skilled nursing coinsurance, excess charges, foreign travel | The basic benefits every letter includes |
| Plan B | Part B deductible, skilled nursing coinsurance, excess charges, foreign travel | Plan A plus the Part A deductible |
| Plan D | Part B deductible and Part B excess charges | Plan G without excess-charge coverage |
| Plan G170,352 Arizona lives | The Part B deductible only | The letter with the most Arizona lives (NAIC, December 2023) |
| High-Deductible G | A yearly deductible before the plan pays | Lower premium, more first-dollar risk |
| Plan K | Half of most cost-sharing, up to a yearly cap | Lowest premium tier by design; half of most cost-sharing stays with you |
| Plan L | A quarter of most cost-sharing, up to a yearly cap | Between K and N |
| Plan N | Part B deductible, office and ER copays, excess charges | The lower-premium trade most callers weigh against G |
Benefit chart per Medicare.gov. This page prices Plan G and Plan N only; Arizona sells no Plan F to anyone new to Medicare.
Arizona Medigap at a Glance (2026)
Everything above comes from the September 10, 2026 pull, one buyer profile throughout. The cost page picks up where this leaves off: Part B added in, and the purchase-age ladder for an issue-age market.
Cost
What Medicare costs in Arizona in 2026
The $202.90 Part B premium stacked on the $146.51 and $457.03 Plan G filings, issue-age by purchase age, plus Plan N and the household discount.
Rate Increases
2026 Medigap rate increases by state
Arizona's 24 Plan G increases, led by American Benefit Life at +35.0%, beside every other state's. What to do when the letter arrives.
Write These Down Before You Call
- • Part B premium: $202.90/month, the flat 2026 rate every enrollee owes Medicare directly, before a Medigap dollar enters the picture.
- • Part B deductible: $283 for the year — the one line item that survives on both Plan G and Plan N.
- • Part A deductible: $1,736 per benefit period, fully absorbed by either lettered plan.
- • Arizona's Plan G board: $133.19 in Coconino County at the bottom, $457.03 (GPM Health and Life) at the top, $199.33 sitting at the statewide median.
- • Who's enrolled: 352,138 Arizonans hold a Medigap policy as of December 2023; 170,352 chose Plan G (NAIC via AHIP).
- • Your window: six months from the month Part B starts — inside it, all 29 carriers take you with no medical exam; Arizona sets no second chance on a birthday afterward.
How These Arizona Numbers Were Built
- Base premiums and the filing-change history both trace to one place: CSG Actuarial, licensed data pulled September 10, 2026 for rates and January 2026 through September 2026 for filings.
- The buyer behind every number is a non-tobacco woman with an individual policy and no household discount; change any of those three and the figures move.
- Each of Arizona's 15 counties gets priced at the ZIP holding the most of its land; Maricopa County (ZIP 85354) anchors this page, and 10 counties get their own line in the key-market table above.
- A spread is one age, one county, the dearest filed class minus the cheapest. Multiply by 240 for the 20-year version, assuming nothing ever changes.
- We track a company by its NAIC filing number, not the name printed on the letter — two very different Arizona rates both say "Humana Insurance Company."
- The 29-carrier count reflects who returned a quote in Maricopa County on September 10, 2026; that roster shifts as companies enter, close a block or refile.
- 14 rating areas carve up Arizona, so nothing on this page is your personal quote — your address decides where you land inside the $13.32 county gap.
- Any claim about being widest, cheapest or highest-ranked gets rebuilt from every licensed state file at build time; none of it is a number we remembered.
- The $283 Part B deductible is nobody's to cover under either lettered plan sold here.
Arizona Medigap Questions, Answered From the Filings
Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700 — licensed here and across 34 other states. The numbers above are CSG Actuarial's Arizona filings from September 10, 2026, run at ZIP 85354 in Maricopa County on a non-tobacco, individual, female buyer with no discount applied — a sample board, not the quote with your name on it. Whichever carrier you pick still pays the broker out of that same filed premium.
Related: Arizona cost · 2026 rate increases · Who writes Atlantic Capital · Find a Bankers Fidelity agent · Medicare Supplement hub · Medicare broker · Compare policies · How to enroll · Get a quote
Filed-rate hubs for other states: New Jersey · Texas · Indiana · Virginia
29 filed lines. Where does yours fall?
Read me the number off your renewal notice along with your ZIP, and I'll slot it somewhere between $146.51 and $457.03, point out who beats it, and give you a straight answer on whether switching survives underwriting.
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