Florida Medigap Rate Index 2026: Plan G and N by County

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). That is $92.97 a month between the cheapest and dearest filing for one policy, about $22,313 over 20 years before any increase. Plan N in the same county starts at $148.43. Drive to Orlando and the cheapest Plan G drops to $200.58; drive to Miami and it climbs to $260.57.

Carriers pay the broker; the price you pay is the same either way. We quote all 24 Florida carriers in the file, not a shortlist.

Plan G Filed Rates in Florida by Age

Profile: female, non-tobacco, individual rate, no household discount. Hillsborough County is quoted at ZIP 33547. Pulled September 9, 2026. Rates in Florida vary by rating area, so this table is a map of the market, not your quote.

Read a Florida age table as a set of new-buyer prices. All 24 carriers here price on issue age, which Florida requires. The age-70 row is the price for a woman who buys at 70, not the future price for the woman who buys at 65 today. Her premium moves only when the carrier files an increase on the whole block. The cheapest new-buyer rate climbs from $200.58 at 65 to $262.64 at 80, a $62.06 gap between two different customers.

The top of the table is Aetna (Continental Life) at 65 ($293.55) and Washington National at 80 ($446.41). The county column on the right is the statewide floor for each age; Alachua County starts $0.00 under Hillsborough at 65.

Plan N Filed Rates in Florida by Age

The cheapest Hillsborough Plan N at 65 is $148.43 from GPM Health and Life, $52.15 under the cheapest Plan G. For that, Plan N adds copays of up to $20 at some office visits and up to $50 at an emergency room visit that does not end in admission. It also leaves Part B excess charges uncovered; Plan G pays them. Neither plan pays the Part B deductible, $283 in 2026.

One Plan N row needs a caution. USAA Life files $680.34 for Plan N at 65 in ZIP 33547, against its own $269.62 at 70. Treat that row as filed but unverified, and get a live quote before you count on it. It also drives the age-65 spread in the table above. The other 22 carriers sit between $148.43 and $229.00.

All 24 Florida Carriers in Hillsborough County at 65

Every carrier that returned a Plan G filing for ZIP 33547, cheapest first. Plan N is the same carrier's age-65 Plan N filing where one exists. Effective is the date on the rate filing; HHD is the household discount the carrier files in Florida.

GPM Health and Life is the cheapest at $200.58. Aetna (Continental Life) is the dearest at $293.55, 46% more for identical Plan G benefits. The middle of the table is $246.06. 20 of the 24 rates carry a 2026 effective date, and the newest took effect September 1, 2026.

5 carriers file two rate classes in this ZIP; the table shows both. The widest gap between classes belongs to Medico Insurance Company, $226.61 against $283.27. Humana appears twice because it files under two NAIC codes: 60984 at $224.08 and 73288 at $266.74. 2 carriers hold an A++ from AM Best: Insurance Company of North America (Chubb) and USAA Life.

Florida Plan G by County: Tampa to Miami

Florida has 67 counties and 36 Medigap rating areas, so one carrier can file up to 36 different Plan G prices inside the state. Below are 18 key counties from the file, each quoted at the ZIP with the most land inside the county.

Those 18 counties produce 4 different starting prices for Plan G at 65:

• $200.58 (GPM Health and Life): Hillsborough, Orange, Lee, Polk, Brevard, Volusia, Sarasota, Collier, Leon, Escambia, Marion, Lake
• $215.80 (Washington National): Pinellas, Duval, Pasco
• $242.81 (United World Life (Mutual of Omaha)): Palm Beach
• $260.57 (Everence Association): Miami-Dade, Broward

Statewide, the lowest Plan G at 65 is $200.58 in Alachua County (GPM Health and Life) and the highest county low is $260.57 in Monroe County (Everence Association). The gap between county lows is $59.99 a month, the widest among the 21 states in this dataset (Texas is next at $42.02). Over 20 years that county gap is about $14,398. Miami-Dade's median filing, $359.74, sits $113.68 above Hillsborough's $246.06, and its highest filing is $486.03.

Household Discounts in Florida: 4 of 24 Carriers, 2.5% to 3%

Couples ask about the household discount early in the call. In Florida it is thin. 4 of the 24 Hillsborough carriers file one, worth 2.5% to 3%. GPM Health and Life, the cheapest Plan G at $200.58, files none. The 3% top belongs to Humana Insurance Company at $224.08, worth $6.72. For scale, Georgia's top filed household discount is 20%. A Florida couple still gets both quotes.

2026 Florida Rate Filings

18 Florida rate changes appear in the CSG Actuarial filing records from January 2026 through September 2026. Each row is a carrier's filing on its Florida block, not one person's renewal, and the effective date can fall after the report month. 18 of the 18 are carriers in the Hillsborough table above.

The largest Plan G filing is United American at +17.8%, effective March 15, 2026. 15 of the 18 filings are 10% or more on Plan G. Humana filed twice, +14.0% effective April 1, 2026 and +11.5% effective August 1, 2026. Every state's list is on the 2026 Medigap rate increases page.

Plan F Still Covers 51% of Florida's Medigap Market

NAIC counted 927,710 Florida Medigap covered lives at December 2023, statewide by plan letter (NAIC Medicare Supplement Experience Exhibit via AHIP May 2025 report). 473,057 of them were on Plan F, 51% of the market. Plan G had 221,938; Plan N had 95,598. Plan F is sold only to people who were eligible for Medicare before January 1, 2020. The Florida F block gets no new 65-year-olds. Its filings track G: F and G moved by the same percentage in 0 of the 0 2026 rows that list both.

A Plan F holder who looks at Plan G outside the six-month open enrollment window answers health questions, unless a guaranteed-issue right applies. Plan G does not pay the Part B deductible ($283); Plan F does. That deductible, set against the premium gap, is the whole arithmetic.

Where Florida Sits Among 21 States

One flagship county per state, ranked by the cheapest filed Plan G at 65, among the 21 states in this dataset. Florida is the green row.

Florida ranks 20 of 21 on entry price. Only Connecticut starts higher, at $295.75 in Fairfield County. Among the 5 newest states in this index, Florida's floor is the highest: Georgia $144.62, Virginia $109.75, Michigan $113.48, Tennessee $117.95. This dataset has no rows for Massachusetts, Minnesota or Wisconsin.

Methodology

• Source: CSG Actuarial rate filings, pulled September 9, 2026. Every number is a filed rate, not a marketing quote.
• Profile: female, non-tobacco, individual, no household discount applied. Ages 65, 70, 75 and 80.
• Each of Florida's 67 counties was quoted through the ZIP with the largest land overlap; Hillsborough County is ZIP 33547. The county table shows 18 of them.
• Spread is the highest filed rate minus the lowest for one plan letter, one age, one county. The county-low spread is the gap between the cheapest and the priciest county floor.
• Carrier counts move as blocks open and close; 24 carriers quoted Plan G at 65 on September 9, 2026.
• Florida rates vary by rating area (36 areas), so one county's table is not your quote.
• Plan F is not sold to anyone new to Medicare after January 1, 2020, so there is no Plan F table here.
• Rate changes come from the CSG Actuarial filing records for January 2026 through September 2026. A row is a filing on the carrier's block, not one person's renewal, and the effective date can be later than the report month.
• Enrollment counts are statewide by plan letter, December 2023, from the NAIC Medicare Supplement Experience Exhibit via AHIP May 2025 report.

Reporters may cite these Florida figures with attribution to MedicareYourself.com and a link to this page. For carrier-level detail, email anthony@easykindmedicare.com.