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

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

A 65-year-old in Fulton County pays $144.62 to $332.00 a month for Plan G across 20 Georgia carriers (CSG Actuarial filings, pulled September 10, 2026). Add the $202.90 Part B premium. The whole bill is $347.52 to $534.90 a month, before a drug plan. Bankers Fidelity (Atlantic Capital Life) files the low end. United American files the top. Both pay the same Plan G claims. The $187.38 between them is $2,249 a year.

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

The Same Georgia Bill From Two Carriers

Same Part B, same Plan G benefits, two carriers. This is the bill at 65 in Fulton County at each end of the table.

Neither bill includes a Part D drug plan. That depends on the prescription list. Both leave the $283 Part B deductible with the policyholder; Plan G does not cover it. Both pay the $1,736 Part A hospital deductible. On the cheaper bill, Part B is 58% of the total.

Carry the dearer bill for 20 years. The gap alone is $44,971, before a single rate filing. The median Fulton County Plan G at 65 is $196.61, 36% above Bankers Fidelity (Atlantic Capital Life). Half the carriers on the table charge more than that.

The Plan G Line at 65, 70, 75 and 80 in Fulton County

Part B costs $202.90 in Atlanta and in Valdosta. The Plan G line moves with the age on the application. Each row is the cheapest and the priciest filed Plan G at that age. The profile is a woman starting a policy in Fulton County (ZIP 30213).

CSG Actuarial filed rates, pulled September 10, 2026. Female, non-tobacco, individual, no household discount. Fulton County sits in one of 78 Georgia rating areas. A Savannah or Macon ZIP returns different numbers than this table.

Read the table the Georgia way. All 20 carriers price Georgia on issue age. The $149.80 at 70 is what a new 70-year-old buyer pays. It is not what a 65-year-old buyer pays five years later. Buy Bankers Fidelity (Atlantic Capital Life) at 65 for $144.62. The age part of that rate stays put. Only the carrier's block filings move it. Waiting five years to start the same policy costs $5.18 a month more.

Waiting has a price in every row. The cheapest start at 75 is Medico Insurance Company at $166.17. That is $21.55 a month above the cheapest start at 65. At 80 it is Medico Insurance Company at $184.18. Apply up to six months before Part B starts. The starting rate is then set at the 65 band.

Fulton Is Not Georgia's Cheapest County

Appling County has the lowest filed Plan G at 65 in the state. It is $131.47 from Bankers Fidelity (Atlantic Capital Life). Polk County's lowest is $157.76 from Bankers Fidelity (Atlantic Capital Life). That $26.29 gap between county floors is the whole range across 159 counties and 78 rating areas. Most Georgia counties sit on the $131.47 floor. In the 17-county rating area around Calhoun County, Bankers Fidelity (Atlantic Capital Life) quotes $131.47.

16 counties quoted, one ZIP each, September 10, 2026. Same profile as the table above.

The 9 counties on that list pay $144.62. That is $13.15 a month above Richmond, Muscogee, Bibb. Same policy, same carrier. Over a year that is $158. Rating area, not carrier choice, sets that part of the bill.

Plan N in Fulton County: What the Copays Buy Back

Bankers Fidelity (Atlantic Capital Life) files the cheapest Fulton County Plan N at 65, $108.78. That is $35.84 under the cheapest Plan G, or $430 a year. From one carrier the gap is $35.84. Bankers Fidelity (Atlantic Capital Life) quotes $144.62 for Plan G and $108.78 for Plan N.

Plan N has a copay of up to $20 at some office visits. The ER copay is up to $50 when the visit doesn't end in admission. It does not cover Part B excess charges; Plan G does. Neither plan covers the $283 Part B deductible. 21 carriers quote Plan N in Fulton County at 65. The top of that table is United American at $249.00.

Same Fulton County woman, same pull, as the Plan G table. Statewide, the Plan N floor at 65 is $98.42 in Appling County, from New Era Life.

Household Discount: 5 of 20 Fulton County Plan G Carriers File One

Georgia filings put the discount between 10.1% and 20%. With it, HealthSpring National Health (Cigna) drops from $198.12 to $158.50 at 65 (20%). HealthSpring National Health (Cigna) files the largest, 20%. That takes $198.12 down to $158.50. 15 carriers file none: 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, United American.

Each carrier writes its own qualifying rule. Some want two Medigap policies at one address. Some accept a second adult in the household without a policy. Ask before assuming a spouse qualifies. I quote every Georgia call both ways.

Georgia's 2026 Rate Filings, Carrier by Carrier

CSG Actuarial's filing records from January 2026 to September 2026 list 15 Georgia filing rows from 15 carriers. 12 of the 15 raise Plan G by 15% or more. 15% is the Plan G figure filed most often. A filing applies to the carrier's Georgia block. The effective date can fall after the report month.

Source: CSG Actuarial MedSupp Rate Change Reports, January 2026 to September 2026. The right-hand column is the carrier's Fulton County Plan G rate at 65. It comes from the September 10, 2026 pull.

AARP / UnitedHealthcare filed +15.8% on Plan G effective June 1, 2026. It quotes $177.50 at 65. Insurance Company of North America (Chubb) has +15% effective September 1, 2026 on a $195.50 rate. Aflac (Tier One Insurance) took +15% on March 1, 2026. Bankers Fidelity (Atlantic Capital Life)'s +6.9% effective August 1, 2026 is the smallest Plan G filing from a carrier we quote. It holds rank 1 at $144.62.

What a Georgia carrier charges today is one number. What it filed this year is the other. Bankers Fidelity (Atlantic Capital Life) quotes $144.62 on a rate effective August 1, 2026. Its +6.9% filing took effect August 1, 2026. Medico Insurance Company quotes $158.92 after +24.3% effective February 1, 2026. Those are two different bets. A quote shows the first number and hides the second.

What Georgians Buy: Plan G Ahead of Plan F

Georgia had 182,212 covered lives on Plan G at the end of December 2023. Plan F had 134,481 and Plan N had 35,634. The statewide total was 373,397 covered lives (NAIC Medicare Supplement Experience Exhibit via AHIP May 2025 report). Plan G is 49% of that total. Plan F is closed to anyone new to Medicare on or after January 1, 2020. So this page carries no Plan F table. Those counts are statewide by plan letter, not by carrier and not by county.

Methodology

• Rates are carrier filed rates pulled from CSG Actuarial on September 10, 2026. Every dollar figure above comes out of the Georgia file, not a keyboard.
• Profile: female, non-tobacco, one applicant, household discount off except where a sentence turns it on. A man, a tobacco user, or a couple gets different numbers.
• Each county was quoted through the ZIP with the largest land overlap. Fulton County is ZIP 30213.
• "Gap" is the priciest filed rate minus the cheapest. Same plan, same age, one county.
• "County spread" ($26.29) is the priciest county's floor minus the cheapest county's floor.
• Carrier counts move. 20 carriers quoted Plan G at 65 in Fulton County; 20 quoted at 80. Carriers open and close Georgia blocks, so the count shifts from pull to pull.
• Georgia carriers file by rating area, 78 of them. One county's table is not your quote.
• Plan F is not sold to anyone new to Medicare on or after January 1, 2020. There is no Plan F table here.
• The Part B premium and both deductibles are 2026 CMS figures, read from one shared file.
• Rate-change rows come from CSG Actuarial's filing records, January 2026 to September 2026. A row is a filing on the carrier's block, not one person's renewal.

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. MedicareYourself (EasyKind Medicare) is an independent brokerage with no tie to Medicare, CMS, or any carrier. The carrier that issues the policy pays the broker; the premium does not change.