Georgia Medicare Supplement Pricing at 65, 70, 75 and 80 (2026)

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 woman in Fulton County pays $144.62 to $332.00 a month for Medigap Plan G across 20 Georgia carriers (CSG Actuarial rate filings, pulled September 10, 2026). Buy the same Plan G at 80 and the cheapest Fulton County filing is $184.18, from Medico Insurance Company. The top of that table is $399.52. Every one of the 20 carriers prices Georgia on issue age. So those are rates for two different buyers, not one buyer getting older.

The cheapest and the dearest Plan G in Fulton County at 65 sit $187.38 a month apart. The benefits are federally standardized, so that gap buys nothing extra. Over 20 years it is about $44,971, before a single rate filing.

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

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

Plan G pays the gaps on Medicare-approved care, except the Part B deductible ($283 in 2026). The table is Fulton County (ZIP 30213), female, non-tobacco, no household discount, at the age on the application.

Source: CSG Actuarial rate filings, pulled September 10, 2026. Where a carrier files more than one rate class, the lowest is shown.

The floor moves $5.18 between the 65 and 70 rows, Bankers Fidelity (Atlantic Capital Life) holding both. At 75 the floor changes hands: Medico Insurance Company at $166.17, and the same carrier holds it at 80 with $184.18. The median tells the wider story. It sits $51.99 above the cheapest carrier at 65 and $96.91 above it at 80. The top of the table runs from $332.00 (United American) to $399.52 (Guarantee Trust Life).

Of the 20 carriers, 5 file more than one rate class in Fulton County. AARP / UnitedHealthcare has the widest range: $177.50 in its lowest class and up to $468.82 in its dearest. Which class an applicant lands in depends on the carrier's own rules, so I ask before quoting it.

Plan N at the Same Four Ages

Plan N trades a lower premium for copays. Up to $20 at some office visits, up to $50 at an ER visit that doesn't end in admission. It does not cover Part B excess charges; Plan G does. In Fulton County the cheapest Plan N at 65 is Bankers Fidelity (Atlantic Capital Life) at $108.78, $35.84 a month under the cheapest Plan G. That is $430.08 a year, before any copay.

Same profile and county as the Plan G table. Carriers quoting Plan N: 21 at 65, 21 at 80.

At 80 the Plan N floor is Medico Insurance Company at $134.04, $50.14 under the Plan G floor at that age. The dearest Plan N at 80, Anthem Blue Cross Blue Shield at $327.00, costs more than the cheapest Plan G at 80. That is the Georgia table in one line: the carrier moves the bill more than the plan letter does.

Which Georgia Carriers Climb Most From 65 to 80

Because every carrier here prices on issue age, this table compares what a new buyer pays at each age, carrier by carrier. It holds the 20 carriers that quote Fulton County at both 65 and 80. Washington National climbs most: $175.07 to $362.05, up 106.8%. Medico Insurance Company climbs least, 15.9% ($158.92 to $184.18).

Fulton County, female, non-tobacco, lowest filed class. Of the 20 carriers in the 65 table, 20 also quoted Fulton County at 80 and are shown. Every one returned a rate at all four ages.

Two things matter to a caller who is 72 and shopping. The cheapest carrier at 65 is not always the cheapest later: Bankers Fidelity (Atlantic Capital Life) leads at 65, Medico Insurance Company at 75. And a steep curve is the cost of entering at each age, not a schedule of increases. The premium after purchase moves with block filings; the 2026 table below lists them.

Every Georgia Carrier in This Pull Prices on Issue Age

CSG tags each filing with a rate type. In this Georgia pull the mix is 20 issue age, 0 attained age and 0 community rated, out of 20 Plan G carriers at 65.

• Issue age. The rate class is set by age at purchase and rises only when the carrier files an increase on the block. That is every carrier in the Fulton County table.
• Attained age. The premium steps up with each birthday, plus block filings. In this pull 0 Georgia carriers use it.
• Community rated. One premium regardless of age, moving only with block filings. In this pull: 0.

So the $144.62 row is the class a 65-year-old buyer keeps. Her premium moves when Bankers Fidelity (Atlantic Capital Life) files on its Georgia block, not on her next birthday. Wait until 70 and the cheapest entry is $149.80, a step of $5.18 a month; at the median the step is $16.86. That step is set on the application, not on a birthday.

Georgia has no birthday rule. A switch outside the six-month open enrollment window means health questions, unless a guaranteed-issue right applies. So the age on the first application is the one that counts.

Cheapest County vs Priciest County

Georgia has 159 counties in 78 rating areas, so Fulton County is one price point, not the state. At 65 the cheapest county low is Appling County, $131.47 from Bankers Fidelity (Atlantic Capital Life). The priciest county's cheapest filing is Polk County, $157.76 from Bankers Fidelity (Atlantic Capital Life). That county spread is $26.29 a month. At 80 it is $36.71: Appling County at $183.55 from Bankers Fidelity (Atlantic Capital Life), against Polk County at $220.26 from Bankers Fidelity (Atlantic Capital Life).

The 16 counties below cover metro Atlanta plus the state's other city centers. Each shows the cheapest filed Plan G at 65, 70 and 75.

Cheapest filed Plan G per county, female, non-tobacco, one ZIP per county, pulled September 10, 2026.

Fulton, Gwinnett, Cobb, DeKalb, Clayton, Cherokee, Forsyth, Henry and Chatham share the $144.62 floor from Bankers Fidelity (Atlantic Capital Life). Richmond, Muscogee, Bibb, Clarke, Hall, Houston and Lowndes sit at $131.47 from the same carrier. The difference is $13.15 a month, $157.80 a year, for the same policy.

Household Discount: 5 of 20 Carriers

Of the 20 Plan G carriers, 5 file a household discount in Georgia, 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.

Applied to the Fulton County table at 65, the three lowest discounted Plan G rates are HealthSpring National Health (Cigna) $158.50 (20% off $198.12), AARP / UnitedHealthcare $159.57 (10.1% off $177.50) and Humana Insurance Company $168.51 (12.1% off $191.71).

The rules differ by carrier: a spouse, another adult in the home, sometimes both applying. I ask about the household on every Georgia call, because it changes which carrier is cheapest for a couple.

2026 Rate Filings on Georgia Blocks

CSG Actuarial's filing records (January 2026 to September 2026) list 15 Georgia filings for 2026. Of those, 12 raise Plan G by 15% or more. The largest Plan G filing is Medico Insurance Company at +24.29%, effective February 1, 2026. 15 of the filers match a carrier in the Fulton County table above.

A row is the carrier's filing on its Georgia block, not one person's renewal. SEL is Medicare Select.

Methodology

• Source: CSG Actuarial rate filings, pulled September 10, 2026. Rate-change rows come from CSG Actuarial's filing records, January 2026 to September 2026.
• Profile: female, non-tobacco, individual, no household discount applied. Male, tobacco and discounted rates differ.
• Counties: each of Georgia's 159 counties was quoted once, through the ZIP with the largest land overlap. Fulton County (ZIP 30213) is the table on this page.
• Spread means the highest filed rate minus the lowest for the same plan letter, age and county. County-low spread is the gap between the cheapest county's low and the priciest county's low.
• Carrier counts move: 20 carriers quoted Fulton County Plan G at 65, 20 at 80. A dash means no filed rate came back for that age.
• Georgia prices by rating area (78 of them), so one county's table is not your quote.
• Plan F: statewide NAIC counts by plan letter (via AHIP) put 134,481 Georgia lives on Plan F at December 2023, 182,212 on Plan G and 35,634 on Plan N. Plan F is sold only to people eligible for Medicare before January 1, 2020. This pull holds Plan F rates only from 72 up, so there is no Plan F table here.
• Plan G does not cover the Part B deductible ($283). Neither does Plan N.