Best Medicare Supplement Plans in Florida: 2026 Filed Rates
By Anthony Orner, Independent Licensed Medicare Insurance Broker · Florida filed-rate data pulled September 9, 2026, CSG Actuarial · Hillsborough County (ZIP 33547)
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A 65-year-old in Hillsborough County pays $200.58 to $293.55 a month for Plan G across 24 Florida carriers (CSG Actuarial filings, pulled September 9, 2026). The low filing is GPM Health and Life. The high is Aetna (Continental Life), 46% more for the same claims. Federal law fixes what a Plan G covers. So that $92.97 a month buys a carrier name, its filing history and its household discount, not one extra covered claim.
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927,710 Floridians were covered by a Medigap policy in December 2023 (NAIC), behind only Texas among the 21 states in this dataset. 473,057 of them, 51%, were on Plan F. That plan closed to anyone new to Medicare on January 1, 2020. Rating is the other thing that sets Florida apart. All 24 carriers price on issue age, which Florida requires. The age on the application sets the starting rate. Only a block filing moves it after that.
Hillsborough County is not the cheapest place to buy. Alachua County starts at $200.58 (GPM Health and Life). Monroe County starts at $260.57 (Everence Association). That is a $59.99 gap across 36 rating areas. Among the 21 states in this dataset, only Connecticut's cheapest county starts higher.
Filed-rate data pulled September 9, 2026 · Source: CSG Actuarial · Profile: female, non-tobacco, individual, no household discount · Reviewed September 2026
Florida rates at your ZIP and age
Florida carriers file 36 rating areas across 67 counties. The age on the application sets the starting rate. Call with both. I read the 24 filings back cheapest first, each with its last Florida filing date.
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What Plan G and Plan N Cost in Hillsborough County at 65
CSG Actuarial filings pulled September 9, 2026 for ZIP 33547, Hillsborough County: female, non-tobacco, individual, no household discount. Hillsborough County sits in one of 36 Florida rating areas. An Orlando or Miami ZIP returns different numbers; the county table further down shows how different.
| Plan | Cheapest filing | Median filing | Highest filing | Monthly spread | Carriers |
|---|---|---|---|---|---|
| Plan G | $200.58GPM Health and Life | $246.06 | $293.55Aetna (Continental Life) | $92.97 | 24 |
| Plan N | $148.43GPM Health and Life | $185.50 | $229.00Physicians Life | $80.57 | 23 |
USAA Life files Plan N at $680.34 here, more than 2 times the next filing down. That row is held out of the range and the median pending verification against the filing. The top of the range shown is Physicians Life at $229.00.
Between the top and bottom Plan G filing in Hillsborough County sits $92.97 a month. Over 20 years that is about $22,313, before any block filing. Plan N starts $52.15 under Plan G ($148.43 against $200.58), $626 a year. Plan N takes some of that back in copays. Up to $$20 at some office visits, up to $$50 at an emergency room visit with no admission. It leaves Part B excess charges with the patient too, and Plan G pays those. Neither plan pays the $283 Part B deductible.
Go deeper: the whole Florida bill with the Part B premium added · every Florida carrier in the rate index
Six Cheapest Plan G Filings in Hillsborough County
The six lowest Hillsborough County filings sit within $30.03 of each other. GPM Health and Life files $200.58; State Farm files $230.61. 19 of the 24 carriers carry an AM Best rating in the A range. 20 put a new Florida rate into effect in 2026, the newest dated September 2026.
| Carrier | Plan G at 65 | Plan N at 65 | AM Best | Filing effective | Household discount |
|---|---|---|---|---|---|
| GPM Health and Life | $200.58 | $148.43 | B++ | November 1, 2025 | none |
| Washington National | $215.80 | $168.63 | A | August 1, 2026 | none |
| HealthSpring National Health (Cigna) | $217.87 | $161.91 | A | May 1, 2026 | none |
| Humana Insurance Company | $224.08 | $166.97 | A | April 1, 2026 | 3% |
| Medico Insurance Company | $226.61 | $169.69 | A | October 1, 2025 | 2.5% |
| State Farm | $230.61 | $176.55 | A+ | June 1, 2026 | none |
Where a carrier files more than one rate class at 65, the lower class is shown. Humana Insurance Company (up to $281.56), Medico Insurance Company (up to $283.27), AARP / UnitedHealthcare (up to $271.31) and Florida Blue (up to $270.83) also file a dearer class. The full 24-carrier table is on the Florida rate index.
Where a Florida Plan G Costs More, County by County
12 of the 18 large counties we quoted start at the statewide floor of $200.58. Hillsborough County, Orange County and Lee County are among them. Miami-Dade County starts at $260.57 (Everence Association), 30% above Hillsborough County. Its median filing is $359.74 against $246.06 in Hillsborough County. That $59.99 county-to-county gap is the widest among the 21 states in this dataset. Same 24 carriers, same benefits, different rating area.
| County | Cheapest Plan G at 65 | Carrier | Median | Highest | Cheapest Plan N at 65 |
|---|---|---|---|---|---|
| Orange County | $200.58 | GPM Health and Life | $236.74 | $286.00 | $141.44 (SilverScript (Aetna)) |
| Hillsborough County | $200.58 | GPM Health and Life | $246.06 | $293.55 | $148.43 (GPM Health and Life) |
| Lee County | $200.58 | GPM Health and Life | $242.19 | $281.56 | $141.44 (SilverScript (Aetna)) |
| Duval County | $215.80 | Washington National | $246.16 | $293.55 | $158.44 (SilverScript (Aetna)) |
| Palm Beach County | $242.81 | United World Life (Mutual of Omaha) | $312.45 | $438.91 | $177.05 (United World Life (Mutual of Omaha)) |
| Broward County | $260.57 | Everence Association | $359.74 | $486.03 | $230.07 (GPM Health and Life) |
| Miami-Dade County | $260.57 | Everence Association | $359.74 | $486.03 | $230.07 (GPM Health and Life) |
Each county is quoted through the ZIP with the largest land overlap. A neighboring ZIP inside the same county can sit in a different rating area. The 18-county table with ages 70 and 75 is on the rate index.
Compare Your Florida County Rate — 855-559-1700Three Things That Decide a Florida Medigap Price
Issue-Age Rating on All 24 Carriers
Florida requires issue-age pricing for Medigap. Every carrier in the September 9, 2026 file follows it. The age at purchase sets the starting rate. It moves only when the carrier files on the whole block. A Hillsborough County buyer at 65 starts at $200.58 with GPM Health and Life. The same carrier files $222.33 for a 70-year-old starter and $252.03 at 75. Block filings land on all three alike, so the $51.45 gap stays with the later buyer.
36 Rating Areas
Florida's 67 counties fall into 36 rating areas. The largest holds 8 counties. Orange County's cheapest Plan G at 65 is $200.58. Miami-Dade County's is $260.57. Same carrier count, same benefits, $59.99 apart every month. A county-level quote is the only kind worth reading.
The Carrier's Filing Habit
The CSG reports from January 2026 to September 2026 list 18 Florida rate changes with 2026 effective dates. The largest Plan G change is United American at +17.8%, effective March 2026. 5 of the 18 Plan G changes are 15% or more. A low filing from a double-digit filer is a different purchase from the same filing at a single-digit filer. Ask for the block's history before taking the lowest number.
2026 Florida Rate Changes in the CSG Reports
Block filings by effective date, from the CSG Actuarial filing records covering January 2026 to September 2026. A row is the carrier's filing on its Florida block, not one person's renewal letter. The effective date can fall later than the report month. Rows marked "not quoted" are companies outside our quote table (closed blocks, group business, or not quoted). They are not paired with a rate above.
| Company | Effective | Plan G | Plan N | Plan F | In our quote table |
|---|---|---|---|---|---|
| Florida Blue | January 1, 2026 | +17.4% | yes | ||
| WPS Health Solutions | January 1, 2026 | +16.5% | yes | ||
| SilverScript (Aetna) | February 1, 2026 | +8.0% | yes | ||
| Aflac (Tier One Insurance) | March 1, 2026 | +15.0% | yes | ||
| United American | March 15, 2026 | +17.8% | yes | ||
| Everence Association | April 1, 2026 | +9.0% | yes | ||
| Humana Insurance Company | April 1, 2026 | +14.0% | yes | ||
| HealthSpring National Health (Cigna) | May 1, 2026 | +10.3% | yes | ||
| AARP / UnitedHealthcare | June 1, 2026 | +15.3% | yes | ||
| State Farm | June 1, 2026 | +10.0% | yes | ||
| Aetna (Continental Life) | July 1, 2026 | +12.5% | yes | ||
| LifeShield National | July 1, 2026 | +12.0% | yes | ||
| New Era Life | July 1, 2026 | +10.0% | yes | ||
| Physicians Life | July 1, 2026 | +12.0% | yes | ||
| WoodmenLife | July 1, 2026 | +10.8% | yes | ||
| Humana Insurance Company | August 1, 2026 | +11.5% | yes | ||
| Washington National | August 1, 2026 | 0.0% | yes | ||
| American Benefit Life | September 1, 2026 | +12.0% | yes |
Every state in the file, side by side: 2026 Medigap rate increases by state and carrier.
Plan G, Plan N and the Closed Plan F in Florida
Plan G leaves one bill with the patient: the $283 Part B deductible for the year. Plan N leaves that plus the office and emergency-room copays and any Part B excess charge. Plan F pays the Part B deductible too. Only someone eligible for Medicare before January 1, 2020 can buy it. 473,057 Floridians were still covered by it in December 2023 (NAIC). Our file carries no Plan F rate for a new buyer. So this page builds no Plan F table.
| Plan | What it leaves with the patient | Florida covered lives (NAIC, December 2023) |
|---|---|---|
| Plan G | The $283 Part B deductible | 221,938 (24%) |
| Plan N | The Part B deductible, copays up to $20 (office) and $50 (ER, no admission), Part B excess charges | 95,598 (10%) |
| Plan F (closed) | Nothing Medicare-approved; not sold to anyone eligible on or after January 1, 2020 | 473,057 (51%) |
Counts are people covered, statewide by plan letter (NAIC Medicare Supplement Experience Exhibit via AHIP, May 2025). They are not per carrier and not per county. Plan comparison from Medicare.gov.
Florida Medigap at a Glance (2026)
Each page below works from the same September 9, 2026 CSG pull and the same Hillsborough County profile. The numbers agree with each other.
Cost
What Medicare costs in Florida in 2026
The $202.90 Part B premium stacked on the $200.58 to $293.55 Plan G range, monthly and yearly, at 65, 70 and 75.
Rate Data
Florida Medigap rate index
All 24 carriers in Hillsborough County with filing dates and AM Best ratings, plus 18 large counties side by side.
Pricing by Age
Florida pricing at 65, 70, 75 and 80
The cheapest statewide Plan G runs $200.58 at 65 to $262.64 at 80, and which carriers climb most.
Rate Increases
2026 Medigap rate increases by state
18 Florida filings in the CSG reports, led by United American at +17.8%, next to every other state in the file.
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Talk to the broker
Every filed Florida carrier at one ZIP, cheapest first, by phone or video. Carriers pay us; the premium does not change.
Methodology
- Source: CSG Actuarial rate filings, pulled September 9, 2026. Rate-change rows come from the CSG Actuarial filing records covering January 2026 to September 2026.
- Profile: female, non-tobacco, individual, no household discount applied. Household discounts are listed separately.
- Counties: each of Florida's 67 counties was quoted through the ZIP with the largest land overlap. The headline table uses Hillsborough County, ZIP 33547.
- Spread: the highest filing minus the lowest in the same county at the same age. The 20-year figure is the monthly spread times 240, before any filing.
- Outliers: a filing more than 2 times the next one down is held out of a range and its median. It stays out until it is checked against the filing. The note under the table names it.
- Carrier counts move. 24 carriers filed Plan G for a 65-year-old in Hillsborough County on September 9, 2026. Carriers enter and leave between filing cycles.
- Florida rates vary by rating area (36 of them). One county's table is not another county's quote.
- The file carries no Plan F rows for a new buyer. Plan F is not sold to anyone new to Medicare after January 1, 2020. So no Plan F rate table appears here.
What This Page Cannot Tell You
Every rate above is for one profile. That is a 65-year-old non-tobacco woman buying alone, quoted in Hillsborough County on September 9, 2026. A man, a tobacco user, a couple, or a Miami ZIP gets different numbers from the same 24 carriers. Filings dated after September 9, 2026 are not in the tables. Plan G does not pay the $283 Part B deductible. Neither does Plan N. Nothing here is a quote. The quote is the one read back at a real ZIP and birth date.
Florida Medigap Questions From the Phone
Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in New Jersey and 34 other states, Florida among them. Rates on this page come from CSG Actuarial rate filings pulled September 9, 2026, quoted at ZIP 33547 in Hillsborough County. Profile: female, non-tobacco, individual, no household discount. They are a sample, not a quote. Broker compensation comes from the carrier and does not change the premium.
Filed-rate hubs for the other states we publish: New Jersey · Pennsylvania · Ohio · Texas
Related: Florida Medicare costs · Florida rate index · Florida pricing by age · 2026 rate increases · Medicare Supplement hub · Medicare broker · Compare policies · Switch carriers · How to enroll · Get a quote
Which of the 24 Florida filings is yours?
Bring the current premium or the renewal letter. I read the Florida Plan G filings back in price order for that county. Then I say whether a move is worth the health questions.
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