What Medicare Costs in Florida in 2026: Part B Plus Plan G

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Florida filed-rate data pulled September 9, 2026, CSG Actuarial · Hillsborough County (ZIP 33547)

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). Add the $202.90 Part B premium and the monthly Medicare bill is $403.48 to $496.45. Same Plan G, same claims paid. The $92.97 between the two carriers is $1,116 a year.

Carriers pay the broker; the price you pay is the same either way.

Two Florida Medicare Bills, Cheapest Plan G Against Dearest

Both bills below are for the same woman in Hillsborough, 65, non-tobacco, buying Plan G in 2026. Only the carrier changes. At the top of the table the supplement costs more than Part B itself.

Over 20 years, before a single rate filing, bill two costs $22,313 more than bill one. A Part D drug plan sits on top of both and depends on the drug list, so it is not added here.

Two deductibles never show up in either bill. The $283 Part B deductible for 2026 comes out of the policyholder's pocket once a year; Plan G does not cover it, and neither does Plan N. The $1,736 Part A hospital deductible is paid by Plan G.

The Plan G Line at 65, 70 and 75 in Hillsborough County

Each row is the price for a buyer of that age, not the path one buyer follows. Every one of the 24 carriers prices Florida on issue age, so a 65-year-old who buys GPM Health and Life at $200.58 keeps the age-65 band for as long as she holds the policy. Her bill moves only when the carrier files an increase on the block. The median Plan G in Hillsborough is $246.06 at 65, $267.71 at 70 and $300.34 at 75.

Buying at 70 instead of 65 costs $21.75 more at the bottom of the table (GPM Health and Life at $222.33) and $26.49 more at the top (Aetna (Continental Life) at $320.04). At 75 the bottom is $236.97 and the top is $356.87. GPM Health and Life holds the floor at all three ages.

Source: CSG Actuarial filed rates, pulled September 9, 2026. Profile: female, non-tobacco, individual, no household discount, quoted at ZIP 33547 in Hillsborough County. Florida carriers file by rating area, so a Miami or Jacksonville ZIP returns a different table.

Where You Live in Florida Moves the Floor by $59.99

Florida has 67 counties and 36 Medigap rating areas. The cheapest Plan G at 65 anywhere in the state is $200.58 (GPM Health and Life, Alachua County). 12 of the 18 counties we quoted start at that floor, Orange County (Orlando) among them. Hillsborough starts $0.00 higher, 0% above the floor.

Miami-Dade and Broward are the other end. The cheapest Plan G at 65 there is $260.57 from Everence Association, 30% above the floor. The county median is $359.74, 46% above the Hillsborough median. The top of the Miami-Dade table is $486.03 (New Era Life), the highest Plan G at 65 in the file. The $59.99 gap between the cheapest county floor and the priciest is the widest among the 5 states published in September 2026. Palm Beach sits between, at $242.81 from United World Life (Mutual of Omaha).

9 of the 18 counties in the Florida file, same profile as above. Each county was quoted once, at the ZIP with the largest land overlap.

What Plan N Gives Back in Florida for Its Copays

The cheapest Plan N at 65 in Hillsborough is $148.43 from GPM Health and Life, $52.15 under the cheapest Plan G. That is $626 a year. In return the policyholder pays up to $20 at some office visits and up to $50 at an emergency room visit that does not end in admission, and Part B excess charges are hers. Plan G pays those excess charges. Neither plan pays the $283 Part B deductible.

Same ZIP 33547 profile, Plan N column. 23 of the 24 Plan G carriers also file Plan N here. The 65 row leaves out USAA Life as unverified ($680.34 in the file).

The median Plan N in Hillsborough is $185.50 at 65. The file shows USAA Life at $680.34 at 65 and $269.62 at 70. I treat the 65 row as unverified and read the next-highest instead, Physicians Life at $229.00. I read the whole column on the call, not the top and bottom.

Only 4 of 24 Florida Carriers Discount a Couple

The Florida household discount is thin. 4 carriers file one, worth 2.5% to 3%, and 20 file none. The cheapest discounted Plan G in Hillsborough is $217.36, Humana Insurance Company at 3% off its $224.08 single rate. Next come Medico Insurance Company at $220.94 and AARP / UnitedHealthcare at $238.80.

GPM Health and Life, Washington National, HealthSpring National Health (Cigna), State Farm file no household discount in Florida, so a couple's cheapest carrier can differ from a single applicant's. Every Florida couple gets quoted both ways. The discount is 3% at best. In Hillsborough the discount changes the winner: Humana Insurance Company with it, GPM Health and Life without.

Issue-Age Rating: What Florida Requires and What It Means for the Bill

All 24 carriers in this Florida table price on issue age, because Florida requires issue-age rating for Medigap. An issue-age premium is set by the age at purchase and rises only when the carrier files an increase on the block. Attained-age pricing, common elsewhere, adds a step for each birthday on top of the filings. Community-rated pricing charges every age the same and moves only with filings. Florida buyers get issue age.

Issue age is not a frozen price. HealthSpring National Health (Cigna) filed +10.3% effective May 1, 2026, and its $217.87 Hillsborough rate already includes it. What issue age does buy is a lower starting band. The gap between buying at 65 and buying at 75 at the bottom of the Hillsborough table is $36.39 a month, $437 a year, for as long as the policy lasts. That is why I ask every Tampa caller for the month Part B starts, not the month she turns 65.

2026 Florida Rate Filings From the CSG Monthly Reports

18 Florida Plan G rate changes appear in the CSG Actuarial filing records for January 2026 through September 2026, 18 of them from carriers in our quote table. The largest is United American at +17.8%, effective March 15, 2026. 15 of the 18 are 10% or more. Humana blocks appear twice: +14.0% effective April 1, 2026 and +11.5% effective August 1, 2026. Aflac (Tier One Insurance) filed +15.0% effective March 1, 2026.

A row is the carrier's filing on its Florida block, not one person's renewal. The last column shows the Hillsborough rate only when the filing's effective date matches the rate's effective date in the September 9, 2026 pull; otherwise the two are not paired.

20 of the 24 carriers in the Hillsborough table carry a 2026 effective date, the newest September 1, 2026. A Florida rate-increase letter is a common reason a caller reaches me. Read me the carrier and the new premium. I tell you where it now ranks among 24 filed rates and whether the health questions are worth answering. The full list by state is on the 2026 Medigap rate-increase page.

How Big the Florida Medigap Market Is

Florida had 927,710 Medigap policies in force in December 2023 (NAIC Medicare Supplement Experience Exhibit via AHIP May 2025 report; statewide by plan letter, not by carrier or county). 473,057 of those policies are Plan F, 51% of the state. Plan G is second at 221,938 (24%), and Plan N is third at 95,598.

Plan F is only for people eligible for Medicare before January 1, 2020, so its Florida block only shrinks and ages. That is one reason this page carries no Plan F rate table. The file's Plan F rows start at age 72, and nobody first eligible for Medicare in 2026 can buy one. A Plan F policyholder holding a rate letter can still call. The move to Plan G is a common one, and it means health questions outside a guaranteed-issue right.

Against the 4 other states published in September 2026, Florida's $200.58 starting point in Hillsborough is the highest. Virginia's floor in Fairfax County is $109.75, $90.83 less for the same Plan G. The standard Part B premium is the same $202.90 in all 5, so the whole difference is the supplement.

Methodology

• Every premium on this page is a carrier filed rate from CSG Actuarial, pulled September 9, 2026. No rate was typed by hand; the tables and the sentences read the same file.
• Profile: female, non-tobacco, individual, no household discount applied. A male, tobacco or discounted quote differs.
• Each of the 67 Florida counties was quoted once, at the ZIP with the largest land overlap. Hillsborough County (ZIP 33547) is the flagship table; the county table shows 9 of the 18 counties the file tracks.
• "Gap" or "spread" is the highest filed rate minus the lowest for the same plan letter, age and county. The 20-year figure is that gap times 240 months, with no rate filings assumed.
• Florida rates vary by rating area (36 of them), so one county's table is not your quote. The county floor moves $59.99 across the state at 65.
• Carrier counts move. 24 carriers returned a filed Plan G quote for this profile on September 9, 2026; entries, exits and closed blocks change the count between pulls.
• Rate-change rows come from the CSG Actuarial filing records for January 2026 through September 2026. An effective date can be later than the report month, and a row is a block filing, not a renewal notice.
• The Part B premium and the Part A and Part B deductibles are 2026 CMS amounts, held in one file and imported here.
• Plan F rows exist in the file only at age 72 and above, and Plan F is only for people eligible for Medicare before January 1, 2020, so no Plan F table is published.
• One Plan N row is set aside: USAA Life shows $680.34 at 65 against $269.62 at 70 for the same issue-age block, so the age-65 Plan N line is read without it until the filing is verified.

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. MedicareYourself (EasyKind Medicare) is an independent brokerage with no affiliation to Medicare, CMS or any carrier. The carrier you enroll with pays the broker, and your premium is the filed rate either way.