Arizona Medicare Costs in 2026: Issue-Age Plan G and Plan N

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Arizona filings pulled September 10, 2026, CSG Actuarial · Maricopa County (ZIP 85354)

In Maricopa County a 65-year-old buys Part B and Plan G for $349.41 to $659.93 a month (CSG Actuarial filings, pulled September 10, 2026), and 26 of the 29 carriers quoting will never raise that price for a birthday again. Arizona is an issue-age market. The $202.90 Part B premium is Medicare's; the Plan G on top runs $146.51 at Bankers Fidelity (Atlantic Capital Life) to $457.03 at GPM Health and Life.

That $310.52 monthly gap buys nothing, because Plan G benefits are written into federal law. It is $3,726 a year and $74,525 over twenty years with no filing at all. 15 carriers filed 15% or more this year, 8 of them 25% or more, so the filing column below is where the real difference between two Arizona carriers lives.

Brokers are paid by the carrier. The filed premium is yours either way.

Lowest and Highest Maricopa County Bill at 65

Each policy covers the $1,736 Part A deductible per benefit period and, once you have paid the $283 Part B deductible yourself, the balance of Medicare-approved charges. The Medicare column is the same on both cards. The carrier column is the whole choice.

1 of the 29 Maricopa County carriers file under $150 and 6 file above $250; the median is New Era Life at $203.37. Statewide the median Plan G is $199.33. Maricopa County's $146.51 floor ranks 20 of 28 among the flagship counties we track. Part D is excluded from every total here because it depends on the drug list.

Buy at 65, or Buy at 75: Two Different Prices

On an issue-age policy the rows below are purchase ages. Someone who bought Bankers Fidelity (Atlantic Capital Life) at 65 keeps the $146.51 line; someone buying the same policy at 75 starts at $172.63, $26.12 higher. The age-70 purchase price is $151.77. Bankers Fidelity (Atlantic Capital Life) holds the bottom of the Maricopa County table at each purchase age shown. At the top, a 75-year-old buyer pays $666.07 at Blue Cross Blue Shield.

Female, non-tobacco, individual, no household discount, quoted at ZIP 85354 in Maricopa County from CSG Actuarial filings pulled September 10, 2026. Rows are purchase ages at issue-age carriers and current ages at the 1 attained-age line.

Coconino County Holds the Arizona Floor at $133.19

Arizona files 14 rating areas across 15 counties, so almost every county has its own price for the same policy. Bankers Fidelity (Atlantic Capital Life) sits at $133.19 in Coconino County, $146.51 in Maricopa County, and $146.51 in Maricopa County: $13.32 of address on one carrier, $160 a year. In the 10 key counties below, Pima County is lowest at $133.19 and Maricopa County highest at $146.51. The lowest Arizona bill with Part B included is $336.09.

Each county is quoted at the ZIP with the largest land overlap; same profile as Maricopa County.

Plan N in Maricopa County, and the Excess-Charge Question

Bankers Fidelity (Atlantic Capital Life) files the lowest Plan N here at $106.95, which is $39.56 under its own Plan G and $475 a year. The trade has three parts: up to $20 at some office visits, up to $50 at an ER that discharges you, and Part B excess charges, which Arizona doctors may bill and which Plan N does not pay. 29 carriers file Plan N in Maricopa County, $106.95 to $278.00; with Part B that is $309.85 to $480.90. Statewide, Plan N bottoms out at $97.00 in Apache County.

Same profile and ZIP as the Plan G rows above.

A Second Adult in the House: 5% to 20% Off

7 of the 29 Arizona carriers file a household discount, and the range runs from 5% up to 20%. HealthSpring Insurance (HCSC) files the largest at 20%, which moves $207.51 to $166.01. Bankers Fidelity (Atlantic Capital Life) files no discount, so a couple may do better elsewhere. After discounts, AARP / UnitedHealthcare is lowest at $155.69.

22 carriers file nothing for a spouse. The definition of a household is each carrier's own, sometimes requiring two policies with the same company, so we quote a couple both together and separately.

8 Arizona Carriers Filed 25% or More in 2026

The CSG filing records for January 2026 through September 2026 hold 24 Arizona entries. 15 of the 24 Plan G filings are 15% or higher, and 8 clear 25%, led by American Benefit Life at +35.0% effective September 1, 2026. On an issue-age block that table is the full record of what happens to a premium after purchase, since no birthday step exists. 24 rows match a carrier in the Maricopa County table; unmatched names show no paired rate.

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

A low opening line that files 25% a year is dearer than a mid-table line filing 5% by the third renewal. Read the price and the filing together. Every state's list is at 2026 Medigap rate increases.

Issue Age Covers 26 of 29 Arizona Carriers

26 carriers price on issue age in Maricopa County; the purchase age fixes the premium and only block filings move it later. Everence Association is the one attained-age line at $264.64, and it steps up every birthday on top of its filings. AARP / UnitedHealthcare ($176.12) and Blue Cross Blue Shield ($362.34) are community-rated, so age never enters the price at all. The highest Plan G filed anywhere in Arizona is $457.03, from GPM Health and Life.

28 of the 29 carriers carry a 2026 effective date on their Maricopa County rate; the latest is Medico Insurance Company, September 1, 2026. The NAIC counted 352,138 Arizona Medigap policies as of December 2023, Plan G 170,352 (48%), Plan F 137,901, Plan N 27,330. Plan F has been closed to the newly eligible since January 1, 2020; this page carries no Plan F table.

Methodology

• Every premium is a carrier filing pulled from CSG Actuarial on September 10, 2026, rendered from the Arizona data file; nothing is typed by hand.
• Profile: female, non-tobacco, individual, no household discount. Discounted lines apply the filed percentage to the filed rate.
• Maricopa County (ZIP 85354) is the flagship county. Key counties are quoted at the ZIP with the largest land overlap; Cochise County stands in for the 2-county rating area.
• Spread is the highest filing minus the lowest for one plan letter, age and county. Twenty-year figures are the monthly spread times 240, assuming no filings.
• Age rows at issue-age carriers are purchase ages; at attained-age carriers they are current ages.
• Carrier counts are whoever returned a filed quote on the pull date. Direct-to-consumer and guaranteed-issue rate classes are excluded.
• The Part B premium and both deductibles are 2026 CMS figures from a single file. Plan G does not pay the Part B deductible.
• Enrollment is statewide by plan letter as of December 2023, from the NAIC Medicare Supplement Experience Exhibit via AHIP May 2025 report.
• Filing rows are CSG Actuarial records for January 2026 to September 2026; "No" rows matched no carrier in the quote table and carry no rate.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in Arizona 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 unchanged.