Arizona Medigap Rates 2026: Plan G and N by County

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Arizona filed-rate data pulled September 10, 2026, CSG Actuarial · Maricopa County (ZIP 85354) · Published October 17, 2026

Arizona Medigap rates for Plan G run $146.51 to $457.03 a month for a 65-year-old woman in Maricopa County (CSG Actuarial filings, pulled September 10, 2026). That range covers 29 carriers selling one federal benefit. Her county barely matters. Across all 15 counties the cheapest Plan G moves $13.32 at most: $133.19 in Coconino County, $146.51 in Maricopa County. The carrier is worth about 23 times the address. Of the 21 states in our file where the county floor varies at all, Arizona's ratio is the widest.

The carrier pays my commission, so the filed rate is what you pay.

This index lists every Plan G and Plan N filing CSG returned for Maricopa County at 65, 70, 75 and 80. It adds 10 key counties and the 24 Plan G filings dated 2026. A 28-state comparison closes it. Every rate is the filed premium for a woman who doesn't use tobacco, buying alone, with no household discount. It maps the market. Your own quote turns on your ZIP, your sex and your birth date.

Arizona Plan G Rates at 65, 70, 75 and 80

The cheapest Plan G in Maricopa County is $146.51 at 65 and $204.58 at 80. The dearest runs from $457.03 to $695.79.

CSG Actuarial filings pulled September 10, 2026. Maricopa County at ZIP 85354; woman, non-tobacco, individual rate, no household discount. The last column is the cheapest Plan G filed anywhere in Arizona at that age, and the county it lands in.

Of the 29 carriers, 26 price on issue age. At those companies each row is the entry price for that age, not the path one policy follows. The cheapest name changes with the age you buy at. The Arizona pricing-by-age page follows every carrier across the four ages.

Arizona Plan N Rates at 65, 70, 75 and 80

Same Maricopa County profile and pull date as the Plan G table.

Plan N in Maricopa County starts at $106.95 from Bankers Fidelity (Atlantic Capital Life), $39.56 under the cheapest Plan G. WMI Mut Ins Co sits $0.05 behind at $107.00. Statewide the Plan N floor is $97.00, from WMI Mut Ins Co in Apache County. Plan N hands back office and ER copays and Part B excess charges. The Arizona Plan G vs Plan N page prices that trade at each carrier.

All 29 Carriers Filing Plan G in Maricopa County at 65

Cheapest first. The Plan N column is the same company's age-65 filing. "Rate effective" is when the current rate took hold; 28 of the 29 carry a 2026 date.

* Files more than one rate class; the table shows the lowest. Top class at 65: Bankers Fidelity (Atlantic Capital Life) $182.62, WMI Mut Ins Co $199.00, AARP / UnitedHealthcare (NAIC 79413) $609.67, Medico Insurance Company $234.42, Washington National $239.91, HealthSpring Insurance (HCSC) $311.27, AARP / UnitedHealthcare (NAIC 84549) $710.50, Blue Cross Blue Shield $365.43. CSG Actuarial filings pulled September 10, 2026, ZIP 85354.

The middle half of the board, 15 carriers, runs from $186.75 (USAA Life) to $243.17 (Mutual of Omaha). That band alone is $56.42 wide, about 4 times the whole county range. At the top, GPM Health and Life's $457.03 is 212% above Bankers Fidelity (Atlantic Capital Life) for identical coverage.

Bankers Fidelity (Atlantic Capital Life) files two classes at 65, $146.51 and up to $182.62. In its upper class it would rank 5th of 29. Which class applies is the carrier's rule, and a quote at your own age and ZIP shows which one you get.

Two names appear twice because two companies file under each: AARP / UnitedHealthcare as NAIC 79413 (community rated, $176.12) and NAIC 84549 (issue age, $231.32); Humana Insurance Company as NAIC 60984 (issue age, $199.33) and NAIC 73288 (issue age, $354.71). Each has its own rate history, so a quote is keyed to the NAIC code, never the brand.

Which Arizona Counties Cost More, and by How Much

Pick any of the 10 key counties. Inside it, the cheapest and dearest Plan G at 65 sit at least $270.49 a month apart (CSG Actuarial, September 10, 2026). The county floors sit within $13.32 of each other.

One sample ZIP per county, chosen for the largest land overlap; same woman, non-tobacco profile. Carrier counts differ because not every carrier files in every rating area. Your own ZIP can quote differently from the county's sample.

Two carriers hold every county floor in the table: Bankers Fidelity (Atlantic Capital Life) in 5 and WMI Mut Ins Co in 5. The spread inside one county runs from $270.49 (Pinal, Yuma, Cochise and Apache) to $323.84 (Mohave and Coconino). Over 20 years the whole county range comes to $3,197. The carrier gap inside Maricopa County comes to $74,525 over the same years, before a single filing.

2026 Arizona Rate Filings, and Where Each Carrier Ranks Now

Of the 29 carriers on the Maricopa County board, 24 filed a Plan G increase effective in 2026 (CSG Actuarial filing records). The median filing is +17.5%, and 11 of the 24 are 20% or more. The largest is American Benefit Life at +35.0%, effective September 1, 2026.

Source: CSG Actuarial licensed API (rate_increases on each quote). A row is the carrier's filing on its Arizona block, not one person's renewal.

Read the last two columns together. The cheap end filed too: Bankers Fidelity (Atlantic Capital Life) +11.9%, LifeShield National +20.0% and Insurance Company of North America (Chubb) +17.0%. They still rank 1, 2 and 4. WMI Mut Ins Co, Plateau Insurance, HealthSpring Insurance (HCSC) and Physicians Mutual carry a 2026 rate date with no increase on CSG's record. Every filing listed took effect before the September 10, 2026 pull, so the rate column already includes it. Every state's list is on the 2026 rate-increase page.

Where Arizona Sits Among 28 States

One flagship county per state at 65, sorted by the cheapest filed Plan G. Arizona is the green row. The median and the last column are statewide.

Arizona ranks 20th of 28 on the cheapest flagship-county Plan G and 21st on the statewide median, $199.33. Its lowest rate anywhere, $133.19, ranks 15th. Only North Carolina and Ohio field more Plan G carriers at 65. The median 2026 Plan G filing here, +17.5%, ranks 10th highest of 28.

Methodology

• Source: CSG Actuarial licensed API, pulled September 10, 2026. Every number on this page is read from that file when the site builds.
• Profile: female, non-tobacco, individual, no household discount applied. A man, a smoker or a couple pays a different filed rate.
• Geography: each of the 15 counties is quoted through the one ZIP with the largest land overlap; Maricopa County uses ZIP 85354. The file sorts the counties into 14 rating areas.
• Spread: the dearest filed rate minus the cheapest, for one plan letter, one age and one county. The county range is the gap between the cheapest and the priciest county floor.
• Ratio: the Maricopa County carrier spread divided by the county range, set against every state file where that range is above zero.
• Left out: direct-to-consumer and guaranteed-issue classes, bundled Plan G variants, and rows above four times the state median. Classes dropped from this file: Physicians Mutual (Innovative/Household), Universal Fidelity Life Ins Co (Direct to Consumer), Physicians Mutual (Innovative), Blue Cross Blue Shield (BlueValue).
• Filings: CSG's rate-change record on each quote. A percentage is the block's filed change, matched to the carrier by NAIC code.
• Plan F is closed to anyone new to Medicare since January 1, 2020, and this file carries no Plan F rows. Plan G does not pay the $283 Part B deductible.

Reporters may quote any Arizona figure here with a link to this page and a MedicareYourself.com credit. For carrier-level detail, call 855-559-1700.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in Arizona and 33 other states. MedicareYourself (EasyKind Medicare) is an independent brokerage, not affiliated with Medicare, CMS or any carrier. Rates here are CSG Actuarial filings as of September 10, 2026, a sample profile, not your quote.