Does a Georgia Medigap premium go up every year?

Not because of a birthday. All 20 Georgia carriers in the file price on issue age. The rate is set by your age when the policy starts. A new 70-year-old pays Bankers Fidelity (Atlantic Capital Life) $149.80. That is a new-buyer rate, not what a 65-year-old buyer grows into. What moves a Georgia premium is a filing on the carrier's whole block. 15 carriers in our Georgia table appear in the 2026 reports. 12 of the 15 Georgia rows are 15% or more on Plan G. Ask for the block's last two Georgia filings before taking its lowest quote.

Which Georgia Medigap carriers give a household discount, and how much?

5 of the 20 Georgia Plan G carriers file one, from 10.1% to 20%. HealthSpring National Health (Cigna) files the largest at 20%. Bankers Fidelity (Atlantic Capital Life), Medico Insurance Company, Washington National, Plateau Insurance, LifeShield National, Insurance Company of North America (Chubb), American Benefit Life, USAA Life, Aetna (Continental Life), Aflac (Tier One Insurance), State Farm, Omaha Supplemental (Mutual of Omaha), GPM Health and Life, Guarantee Trust Life and United American file none in Georgia. Rules differ by carrier. Some want two policies in the house; some only a second adult. So I quote a couple twice, with the discount and without. Every rate on this page is an individual rate with no discount applied.

Which Georgia counties cost more for a Medigap plan?

Fulton, Gwinnett, Cobb, DeKalb, Clayton, Cherokee, Forsyth, Henry and Chatham open at $144.62 for Plan G at 65. Richmond, Muscogee, Bibb, Clarke, Hall, Houston and Lowndes open at $131.47. The cheapest county's low is Appling County at $131.47. The priciest county's low is Polk County at $157.76. That gap is $26.29 a month. Georgia has 78 rating areas across 159 counties. A neighbor two counties over can hold a different rate for the same policy.

Who raised Medigap rates in Georgia for 2026?

From CSG's CSG Actuarial filing records: Anthem Blue Cross Blue Shield +15.1% on Plan G effective January 2026. United American +9.8% on Plan G effective January 2026. Medico Insurance Company +24.3% on Plan G effective February 2026. Aetna (Continental Life) +15.0% on Plan G effective March 2026. Aflac (Tier One Insurance) +15.0% on Plan G effective March 2026. Guarantee Trust Life +15.0% on Plan G effective April 2026. GPM Health and Life +15.0% on Plan G effective May 2026. AARP / UnitedHealthcare +15.8% on Plan G effective June 2026. HealthSpring National Health (Cigna) +15.0% on Plan G effective July 2026. Washington National +9.9% on Plan G effective July 2026. Bankers Fidelity (Atlantic Capital Life) +6.9% on Plan G effective August 2026. Physicians Life +15.0% on Plan G effective August 2026. American Benefit Life +15.0% on Plan G effective September 2026. Insurance Company of North America (Chubb) +15.0% on Plan G effective September 2026. LifeShield National +15.0% on Plan G effective September 2026. Each row is a filing on the carrier's Georgia block, not one person's renewal. The effective date can land after the report month.

Do I have to answer health questions to buy a Medigap plan in Georgia?

Not during your Medigap open enrollment window. It runs six months from the month you are 65 and enrolled in Part B. No Georgia carrier can decline you or price you on health inside it. Outside it, a carrier can underwrite unless a guaranteed-issue right applies. Georgia has no birthday rule, so a later switch means health questions for most people. That is why the first pick matters. There is $187.38 a month between the top and bottom Fulton County filing. The right carrier the first time is worth the phone call.

Can I keep my doctors with a Georgia Medicare Supplement plan?

Yes. Medigap has no network. Any doctor or hospital in Georgia that takes Original Medicare takes a Plan G from any of the 20 carriers. Medicare pays first and the supplement pays behind it. The $144.62 policy and the $332.00 policy get you into the same exam room.

What is the difference between Plan G and Plan N in Georgia?

Price and copays. In Fulton County the cheapest Plan N at 65 is $108.78 from Bankers Fidelity (Atlantic Capital Life). That is $35.84 under the cheapest Plan G. Plan N adds copays of up to $20 at some office visits and up to $50 at the ER if you are not admitted. It does not cover Part B excess charges. Plan G does. Neither covers the $283 Part B deductible.

Are you a real broker licensed in Georgia?

Yes. Anthony Orner, NPN 20586791, licensed in Georgia and 34 other states. The office is at 1309 Route 70 West, Cherry Hill, NJ 08002. I quote every Georgia carrier in the CSG file and enroll by phone or video. Carriers pay the broker; the price you pay is the same either way.

Can I still buy Plan F in Georgia?

Only if you were eligible for Medicare before January 1, 2020. Georgia still had 134,481 lives on Plan F at the end of 2023 (NAIC via AHIP, statewide by plan letter). Plan G held 182,212 and Plan N 35,634. Plan F rows in our data start at 72, so this page carries no Plan F table. A new-to-Medicare buyer picks between G and N.

Best Medicare Supplement Plans in Georgia: 2026 Filed Rates

Q: How much is Medicare Supplement Plan G in Georgia at 65?

In Fulton County, $144.62 to $332.00 a month across 20 carriers (CSG Actuarial filings pulled September 10, 2026). Bankers Fidelity (Atlantic Capital Life) is the floor there. In Richmond, Muscogee and Bibb, the same carrier files $131.47. The cheapest Plan G is $131.47 in at least half of Georgia's 159 counties. The cheapest county in the data is Appling County at $131.47. The priciest is Polk County, where the lowest Plan G is $157.76 from Bankers Fidelity (Atlantic Capital Life). The statewide median in the CSG data is $182.00.

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Georgia filed-rate data pulled September 10, 2026, CSG Actuarial · Fulton County (ZIP 30213)

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A 65-year-old in Fulton County pays $144.62 to $332.00 a month for Medigap Plan G across 20 Georgia carriers (CSG Actuarial filings, pulled September 10, 2026). Same plan letter, same claims paid. The $187.38 between the top filing and the bottom one is the whole decision.

Fulton County's $144.62 floor is $13.14 under Polk County, the priciest county in the data. In Richmond, Muscogee and Bibb, Bankers Fidelity (Atlantic Capital Life) files the same policy at $131.47. That is $13.15 less a month. The cheapest Plan G is $131.47 in at least half of Georgia's 159 counties. The cheapest county low (Appling County) and the priciest (Polk County) sit $26.29 apart. The carrier moves the price far more than the county does.

Every one of the 20 carriers prices Georgia on issue age. The rate is set by the age at purchase. Birthdays do not move it; block filings do. Medico Insurance Company filed +24.3% on Plan G for February 2026. That is the largest of 15 Georgia rows in the 2026 reports. This page is the front door. The subpages carry cost with Part B added, the county rate index, and pricing at 65, 70, 75 and 80.

Reviewed September 2026 · Filed-rate data pulled September 10, 2026 · Source: CSG Actuarial · Sample: Fulton County, ZIP 30213

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Georgia rates at your ZIP and age

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Individual rates, no household discount, September 10, 2026.

What Plan G and Plan N Cost in Fulton County at 65

CSG Actuarial filings pulled September 10, 2026. Profile: female, non-tobacco, individual, no household discount, ZIP 30213. Plan G opens at $144.62. Plan N opens $35.84 under it, at $108.78, and adds copays.

Plan	Lowest filed	Carrier	Highest filed	Carrier	Spread	Carriers
Plan G182,212 Georgia lives	$144.62	Bankers Fidelity (Atlantic Capital Life)	$332.00	United American	$187.38	20
Plan N	$108.78	Bankers Fidelity (Atlantic Capital Life)	$249.00	United American	$140.22	21

A buyer who takes the top Fulton County Plan G filing instead of the bottom pays $187.38 more every month. That is about $44,971 over 20 years, before any filing lands. The median of the 20 Fulton County filings is $196.61, 36% above the floor. Go deeper: Georgia cost with the Part B premium added · the Georgia rate index by county

Three Things That Decide a Georgia Medigap Price

Rate type: all 20 on issue age

The premium is set by the age you buy at. Take Bankers Fidelity (Atlantic Capital Life) at $144.62 at 65. The 66th birthday changes nothing. Its $149.80 row at 70 is what a new 70-year-old buyer pays. At 75 the floor is Medico Insurance Company at $166.17. At 80 the same carrier is $184.18. Those are new-buyer rows. An existing premium moves only when the carrier files on the block. That is why applying up to six months before Part B starts matters. It locks the starting rate at the 65 band.

Rating area: 78 of them

159 counties sit in 78 rating areas. The 9 key counties in the top tier in this data open at $144.62. The other 7 key counties open at $131.47. Cheapest county to priciest county is $26.29 a month. One county's table is a guide, not your quote.

Carrier: $144.62 to $332.00

The top Fulton County filing costs 2.3 times the bottom for identical claims. 17 of the 20 carriers hold an AM Best rating in the A range. 5 of them file a household discount of 10.1% to 20%. 18 of the 20 have a 2026 effective date on their current Georgia filing. The newest, LifeShield National, Insurance Company of North America (Chubb) and American Benefit Life, took effect September 1, 2026.

Georgia's Cheapest Plan G at 65, by County

Group the 16 key counties by their cheapest filed Plan G. Georgia sorts into 2 price tiers. Bankers Fidelity (Atlantic Capital Life) holds the floor in 16 of the 16. The rating area sets the number.

Cheapest Plan G at 65	Carrier	Counties in this data
$131.47	Bankers Fidelity (Atlantic Capital Life)	Richmond, Muscogee, Bibb, Clarke, Hall, Houston, Lowndes
$144.62	Bankers Fidelity (Atlantic Capital Life)	Fulton, Gwinnett, Cobb, DeKalb, Clayton, Cherokee, Forsyth, Henry, Chatham

The statewide low across all 159 counties is $131.47. The statewide high is $332.00 (United American). Medians, Plan N and every carrier by county are on the Georgia rate index.

Who Filed a Georgia Rate Change for 2026

CSG Actuarial's filing records (January 2026 through September 2026) carry 15 Georgia rows. 15 of them come from 15 carriers in our quote table. 12 of the 15 are 15% or more on Plan G. A row is a filing on the carrier's Georgia block, not one person's renewal. The effective date can land after the report month.

Carrier	Effective	Plan G	Plan N	In our quote table
Anthem Blue Cross Blue Shield	January 1, 2026	+15.1%	—	Yes
United American	January 15, 2026	+9.8%	—	Yes
Medico Insurance Company	February 1, 2026	+24.3%	—	Yes
Aetna (Continental Life)	March 1, 2026	+15.0%	—	Yes
Aflac (Tier One Insurance)	March 1, 2026	+15.0%	—	Yes
Guarantee Trust Life	April 1, 2026	+15.0%	—	Yes
GPM Health and Life	May 1, 2026	+15.0%	—	Yes
AARP / UnitedHealthcare	June 1, 2026	+15.8%	—	Yes
HealthSpring National Health (Cigna)	July 1, 2026	+15.0%	—	Yes
Washington National	July 1, 2026	+9.9%	—	Yes
Bankers Fidelity (Atlantic Capital Life)	August 1, 2026	+6.9%	—	Yes
Physicians Life	August 1, 2026	+15.0%	—	Yes
American Benefit Life	September 1, 2026	+15.0%	—	Yes
Insurance Company of North America (Chubb)	September 1, 2026	+15.0%	—	Yes
LifeShield National	September 1, 2026	+15.0%	—	Yes

A low rate from a block that just filed 15% is one purchase. The same rate from a block that filed single digits is another. Every state we publish is on the 2026 rate-increase page.

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The Lettered Plans, With Georgia's Own Count

Georgia had 373,397 Medigap lives at the end of 2023. That count is NAIC via AHIP, statewide by plan letter, not by carrier or county. Plan G held 182,212 of them, 49%. Plan F, closed to new buyers, still held 134,481. Plan N held 35,634. Plan G leaves a Georgia buyer one bill, the $283 Part B deductible. Plan N leaves that plus copays, and it does not cover Part B excess charges. Plan G does.

Plan	What it leaves you to pay	Georgia lives (Dec 2023)
Plan G	The $283 Part B deductible. Nothing else on Medicare-approved charges, and it covers Part B excess charges.	182,212
Plan N	The $283 Part B deductible. Copays up to $20 at some office visits and up to $50 at the ER when you are not admitted. Part B excess charges.	35,634
Plan F	Nothing, but only people eligible for Medicare before January 1, 2020 can buy it. Not an option for anyone new.	134,481

Plan F rows in the CSG file start at 72, so no Plan F rate table appears on this page. Benefit chart from Medicare.gov.

Georgia Medigap at a Glance (2026)

Each page below runs on the same September 10, 2026 CSG pull at the same Fulton County profile. Pick the question that made you search.

Cost

What Medicare costs in Georgia

The $202.90 Part B premium stacked on the $144.62 Plan G floor and the $332.00 ceiling, monthly and yearly. Plan N and the household discount too.

Rate Data

Georgia Medigap Rate Index

All 20 Fulton County carriers with rate type, AM Best and filing date. The 16 key counties. Where Georgia sits among the states we publish.

Pricing by Age

Georgia pricing at 65, 70, 75 and 80

The Plan G floor runs $144.62 at 65, $149.80 at 70 and $184.18 at 80 for new buyers. Which carriers climb most, and what issue-age pricing means for a buyer at 65.

Filings

2026 rate increases by state and carrier

Every CSG-reported filing for 2026, Georgia's 15 rows among them, and what to do when your carrier files.

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Methodology

Source: CSG Actuarial licensed API, pulled September 10, 2026. Rate changes come from CSG Actuarial's filing records, January 2026 to September 2026.
Profile: female, non-tobacco, individual. No household discount applied; the 5 carriers that file one are shown separately.
Counties were quoted through the ZIP with the largest land overlap, 30213 for Fulton County. All 159 Georgia counties were quoted; 16 appear on this page by name.
"Spread" is the highest filed rate minus the lowest for the same plan letter, age and county. In Fulton County at 65 it is $187.38 for Plan G.
Carrier counts move. 20 carriers filed Plan G in Fulton County on September 10, 2026. A carrier can enter, close a block or refile before the next pull.
Georgia rates vary by rating area. 78 rating areas, a $26.29 gap between county lows at 65. One county's table is not your quote.
Plan F is closed to anyone new to Medicare after January 1, 2020. Plan F rows in the file start at 72, so no Plan F table is built. Enrollment counts are NAIC December 2023 via AHIP, statewide by plan letter.
Plan G does not cover the $283 Part B deductible. Neither does Plan N.

Georgia Medigap Questions, Answered From the Filings

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in New Jersey and 34 other states, Georgia among them. Rates on this page come from CSG Actuarial rate filings pulled September 10, 2026. Sample ZIP 30213, Fulton County; female, non-tobacco, individual, no household discount. They are a sample, not your quote. Broker compensation comes from the carrier you enroll with and does not change your premium.

Filed-rate hubs for other states: New Jersey · Pennsylvania · Ohio · Texas

Where does your carrier sit among 20 Georgia filings?

Bring the rate letter or the premium off your bank statement. I read the Fulton County Plan G filings back from $144.62 up. I name the block's 2026 filing. Then I say whether a move is worth the health questions.

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