Plan G vs Plan N in Florida: The Discount Depends on Your County
By Anthony Orner, Independent Licensed Medicare Insurance Broker · Florida filed rates pulled September 9, 2026, CSG Actuarial · Hillsborough County (ZIP 33547)
In Hillsborough County, the cheapest Plan N is $148.43 and the cheapest Plan G is $200.58, both filed by GPM Health and Life for a 65-year-old woman who does not use tobacco (CSG Actuarial, pulled September 9, 2026). Drive to Miami-Dade County and the same two floors sit $30.50 apart; in Palm Beach County, $65.76.
Florida is the state where the county question comes before the letter question. The Plan G floor here is $200.58, which ranks 27 of 28 among the state files we hold, so the whole board is dear and the Plan N discount is worth more in dollars than it is in most states. Every one of the 23 carriers prices on issue age, so whichever letter you choose at 65 keeps its age-65 basis.
Carriers pay the broker. The filed premium is what you pay, with or without us.
County First: The G-to-N Gap Across 18 Florida Counties
12 of the 18 key counties share the Hillsborough County floors exactly. Miami-Dade County is the outlier: Plan G is $260.57 there, Plan N $230.07, and the $30.50 between them is the smallest Plan N discount in the file for Florida. Palm Beach County runs the other way, $65.76 between the letters.
| County | Cheapest Plan G | Cheapest Plan N | Gap | Copays the gap covers |
|---|---|---|---|---|
| Miami-Dade County | $260.57 (Everence Association) | $230.07 (GPM Health and Life) | $30.50 | 18 office visits a year |
| Broward County | $260.57 (Everence Association) | $230.07 (GPM Health and Life) | $30.50 | 18 office visits a year |
| Hillsborough County | $200.58 (GPM Health and Life) | $148.43 (GPM Health and Life) | $52.15 | 31 office visits a year |
| Orange County | $200.58 (GPM Health and Life) | $148.43 (GPM Health and Life) | $52.15 | 31 office visits a year |
| Lee County | $200.58 (GPM Health and Life) | $148.43 (GPM Health and Life) | $52.15 | 31 office visits a year |
| Polk County | $200.58 (GPM Health and Life) | $148.43 (GPM Health and Life) | $52.15 | 31 office visits a year |
| Brevard County | $200.58 (GPM Health and Life) | $148.43 (GPM Health and Life) | $52.15 | 31 office visits a year |
| Volusia County | $200.58 (GPM Health and Life) | $148.43 (GPM Health and Life) | $52.15 | 31 office visits a year |
| Sarasota County | $200.58 (GPM Health and Life) | $148.43 (GPM Health and Life) | $52.15 | 31 office visits a year |
| Collier County | $200.58 (GPM Health and Life) | $148.43 (GPM Health and Life) | $52.15 | 31 office visits a year |
| Leon County | $200.58 (GPM Health and Life) | $148.43 (GPM Health and Life) | $52.15 | 31 office visits a year |
| Escambia County | $200.58 (GPM Health and Life) | $148.43 (GPM Health and Life) | $52.15 | 31 office visits a year |
| Marion County | $200.58 (GPM Health and Life) | $148.43 (GPM Health and Life) | $52.15 | 31 office visits a year |
| Lake County | $200.58 (GPM Health and Life) | $148.43 (GPM Health and Life) | $52.15 | 31 office visits a year |
| Duval County | $215.80 (Washington National) | $163.27 (GPM Health and Life) | $52.53 | 31 office visits a year |
| Pinellas County | $215.80 (Washington National) | $161.91 (HealthSpring National Health (HCSC)) | $53.89 | 32 office visits a year |
| Pasco County | $215.80 (Washington National) | $161.91 (HealthSpring National Health (HCSC)) | $53.89 | 32 office visits a year |
| Palm Beach County | $242.81 (United World Life (Mutual of Omaha)) | $177.05 (United World Life (Mutual of Omaha)) | $65.76 | 39 office visits a year |
Sorted narrowest gap first. Each county quoted at the ZIP covering the most of its land area; woman, 65, non-tobacco, no household discount. Copay count divides a year of the gap by the $20 office cap.
Carrier by Carrier in Hillsborough County: 22 Pairs
The narrowest sensible gap is WPS Health Solutions at $26.32; the middle of the pack is around $57.60; the widest is Aetna (Continental Life) at $97.71. USAA Life files Plan N above Plan G, shown in red, which nobody should buy.
| Carrier | Plan G (rank) | Plan N (rank) | Monthly gap | Share of G | Latest G filing |
|---|---|---|---|---|---|
| USAA Life | $266.22 (19) | $680.34 (22) | $-414.12 | -156% | +12.0% October 2025 |
| WPS Health Solutions | $246.13 (12) | $219.81 (20) | $26.32 | 11% | +16.5% January 2026 |
| AARP / UnitedHealthcare | $246.19 (13) | $201.76 (18) | $44.43 | 18% | +15.3% June 2026 |
| Florida Blue | $255.07 (16) | $210.44 (19) | $44.63 | 18% | +17.4% January 2026 |
| Washington National | $215.80 (2) | $168.63 (4) | $47.17 | 22% | 0.0% August 2026 |
| Physicians Life | $276.39 (21) | $229.00 (21) | $47.39 | 17% | +12.0% July 2026 |
| GPM Health and Life | $200.58 (1) | $148.43 (1) | $52.15 | 26% | +9.0% November 2025 |
| State Farm | $230.61 (6) | $176.55 (7) | $54.06 | 23% | +10.0% June 2026 |
| HealthSpring National Health (HCSC) | $217.87 (3) | $161.91 (2) | $55.96 | 26% | +10.3% May 2026 |
| Medico Insurance Company | $226.61 (5) | $169.69 (5) | $56.92 | 25% | +4.0% October 2025 |
| Humana Insurance Company | $224.08 (4) | $166.97 (3) | $57.11 | 26% | +14.0% April 2026 |
| New Era Life | $243.02 (9) | $185.42 (10) | $57.60 | 24% | +10.0% July 2026 |
| WoodmenLife | $245.98 (11) | $187.51 (12) | $58.47 | 24% | +10.8% July 2026 |
| LifeShield National | $243.14 (10) | $181.28 (9) | $61.86 | 25% | +12.0% July 2026 |
| Insurance Company of North America (Chubb) | $235.98 (7) | $173.07 (6) | $62.91 | 27% | — |
| American Benefit Life | $252.42 (15) | $188.65 (13) | $63.77 | 25% | +12.0% September 2026 |
| United World Life (Mutual of Omaha) | $242.81 (8) | $177.05 (8) | $65.76 | 27% | +13.0% October 2025 |
| Humana Insurance Company | $266.74 (20) | $200.10 (17) | $66.64 | 25% | +11.5% August 2026 |
| United American | $257.00 (18) | $189.00 (14) | $68.00 | 27% | +17.8% March 2026 |
| Aflac (Tier One Insurance) | $255.10 (17) | $185.58 (11) | $69.52 | 27% | +15.0% March 2026 |
| Plateau Insurance | $276.90 (22) | $189.40 (15) | $87.50 | 32% | — |
| Aetna (Continental Life) | $293.55 (23) | $195.84 (16) | $97.71 | 33% | +12.5% July 2026 |
ZIP 33547, CSG Actuarial filings pulled September 9, 2026; each carrier's lowest filed rate class. Rank in parentheses is that carrier's place among the 23 Plan G and 22 Plan N filings on the Hillsborough County board. Everence Association files Plan G only.
Issue Age: The Basis You Buy Is the Basis You Keep
Florida is one of 3 states in our file where every carrier, all 23 on the Hillsborough County board, prices on issue age. The rate in the table is the rate for someone who buys at that age; it does not step up on birthdays, only on block filings. Buy Plan N at 65 and the floor is $148.43; wait until 75 to buy and the same letter starts at $177.44. Plan G goes $200.58 to $236.97 over the same delay.
| Buying age | Plan G floor | Plan N floor | Gap | Plan G median | Plan N median |
|---|---|---|---|---|---|
| 65 | $200.58 | $148.43 | $52.15 | $241.35 | $183.01 |
| 70 | $222.33 | $167.11 | $55.22 | $262.40 | $202.86 |
| 75 | $236.97 | $177.44 | $59.53 | $291.82 | $227.08 |
| 80 | $262.64 | $196.66 | $65.98 | $329.51 | $262.20 |
Floors are the cheapest filed line in Hillsborough County at that buying age; medians are statewide.
Which county, which letter, which carrier?
Three questions, one call. I quote the 23 Florida carriers at your ZIP for both letters and tell you where the discount is real.
Compare G and N in My Florida County — 855-559-1700Copays, Excess Charges and the Florida Plan F Habit
Plan N pays the same hospital and Part B claims as Plan G, minus up to $20 at some office visits, up to $50 at an ER that does not admit you, and any Part B excess charge. Florida has no ban on excess charges, so a non-participating specialist may add up to 15% above the Medicare-approved amount to a Plan N holder's bill. Plan G pays it. Neither letter pays the $283 Part B deductible; both pay the $1,736 Part A deductible in full.
Florida is a Plan F state by the numbers: 51% of its 927,710 Medigap policies were still Plan F at the December 2023 NAIC count, against 23.9% on G and 10.3% on N. The Plan N share ranks 8 of 28 in our file. A Plan F holder who can pass underwriting is the most common caller on this page: the F block closed to newcomers in 2020, its filings run ahead of G, and the N floor of $148.43 is often less than half of what they pay.
2026 Filings Behind These Pairs
17 of the carriers above carry a 2026 Plan G filing in CSG's records, the largest United American at +17.8% effective March 15, 2026. Because Florida is issue-age, filings are the only thing that will ever move your premium, which makes a carrier's history the second column to read after its price. The state-by-state list is on 2026 Medigap rate increases.
Methodology
- Every figure is a filed rate read at build time from the Florida file of our licensed CSG Actuarial pull dated September 9, 2026. Nothing is typed by hand.
- Profile: woman, non-tobacco, individual, no household discount, at the buying age shown, ZIP 33547 in Hillsborough County; each carrier's lowest filed rate class.
- County floors are quoted at the ZIP with the largest land overlap in each key county. A gap is the cheapest Plan G minus the cheapest Plan N in the same county, whoever files each.
- Carrier pairs match Plan G and Plan N by NAIC code. Rows above four times the statewide median and direct-to-consumer or guaranteed-issue classes are excluded.
- Cross-state ranks compare Florida with the 28 state files carrying both letters at 65.
- Enrollment is the NAIC statewide count by plan letter as of December 2023. Copay caps and deductibles are 2026 federal figures from one source file.
Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in Florida and 34 other states. MedicareYourself (EasyKind Medicare) is an independent brokerage with no affiliation to Medicare, CMS or any carrier. We do not offer every plan available in your area; contact Medicare.gov or 1-800-MEDICARE for all options.