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

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

In Fulton County, a 65-year-old pays $144.62 to $332.00 a month for Medigap Plan G, across 20 Georgia carriers (CSG Actuarial filings, pulled September 10, 2026). The cheapest filing is Bankers Fidelity (Atlantic Capital Life). The dearest is United American, $187.38 more for the same policy. The statewide floor is $131.47, and that rate holds in at least half of Georgia's 159 counties. Plan N starts at $108.78 in Fulton County, from Bankers Fidelity (Atlantic Capital Life).

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

This index runs Plan G and Plan N at 65, 70, 75, and 80. It lists all 20 carriers quoting in Fulton County. It covers 12 key counties, Fulton County to Hall County, and the 15 rate filings Georgia carriers made for 2026. It also shows where Georgia sits among the 21 states in this dataset. Every rate is a filed rate for a female non-tobacco applicant paying as an individual. It is a map of the market, not a quote.

Plan G Filed Rates in Georgia at 65, 70, 75, and 80

Source: CSG Actuarial filings, pulled September 10, 2026. Fulton County (ZIP 30213), female, non-tobacco, no household discount. Georgia carriers file by rating area, 78 of them across 159 counties, so the Fulton County columns are not a Savannah or Augusta quote. The last column is the lowest filed rate anywhere in the state and the county it lands in.

Read the age rows with care. Every one of the 20 carriers in this file prices Georgia on issue age. So the $184.18 from Medico Insurance Company in the age-80 row is what an 80-year-old pays to buy new. The Bankers Fidelity (Atlantic Capital Life) filing at 80 in Fulton County is $201.90, also a new buyer's price. A woman who buys Bankers Fidelity (Atlantic Capital Life) at 65 for $144.62 stays in the 65 band. Her premium moves only when the carrier files an increase on the whole Georgia block.

The cheapest carrier also changes with entry age: Bankers Fidelity (Atlantic Capital Life) at 65 and 70 ($144.62, $149.80), then Medico Insurance Company at 75 and 80 ($166.17, $184.18). At 65, United American's $332.00 is 130% above Bankers Fidelity (Atlantic Capital Life) for identical coverage. The Fulton County median is $196.61, $51.99 above the cheapest filing.

Plan N Filed Rates in Georgia at 65, 70, 75, and 80

Same Fulton County profile. Plan N trades a lower premium for office and ER copays. It also leaves Part B excess charges unpaid; Plan G covers them.

Plan N in Fulton County runs $108.78 to $249.00 at 65, across 21 carriers. The cheapest N sits $35.84 a month under the cheapest G, about $430 a year. Statewide the Plan N floor is $98.42 from New Era Life, and 3 of the 12 key counties get it. Neither plan pays the Part B deductible ($283 in 2026).

Every Carrier Quoting Plan G in Fulton County at 65

20 carriers, cheapest first. Plan N is the same carrier's Fulton County filing at 65 where it quotes one. The rate-type column reads the same on every line, which is Georgia's whole story in one column. The filing date is when the current rate took effect; 18 of the 20 filed a new rate in 2026, the newest effective September 1, 2026.

* More than one rate class filed; the table shows the lowest class. Highest class at 65: Bankers Fidelity (Atlantic Capital Life) $180.25, Medico Insurance Company $198.65, Washington National $215.89, AARP / UnitedHealthcare $468.82, HealthSpring National Health (Cigna) $297.19. Source: CSG Actuarial filings, pulled September 10, 2026, Fulton County ZIP 30213.

Between Bankers Fidelity (Atlantic Capital Life) and United American sit 18 carriers, and the middle of that list is where most callers' current premium lands. Over 20 years the $187.38 gap between the two ends is $44,971, before a single filing.

Household Discounts: 5 of 20 Georgia Carriers File One

5 of the 20 Georgia Plan G carriers file a household discount, from 10.1% to 20%. HealthSpring National Health (Cigna) files the deepest 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, United American file none. The tables above are quoted without it. The rules differ by carrier, so a couple gets quoted both ways; one discount can shuffle the order in the middle of the 20.

Which Georgia Counties Cost More

12 key counties. For each: the cheapest Plan G and Plan N at 65, plus the county median for Plan G. The last column is how many carriers returned a filed quote there.

Each county quoted through the ZIP with the largest land overlap, same female non-tobacco profile. Carrier counts differ by county because not every carrier quotes every rating area.

9 of the 12, Fulton County through Chatham County, share Fulton County's $144.62. 3 sit on the $131.47 statewide floor: Bibb County, Clarke County, Hall County. Those 9 pay $13.15 a month over the floor, about 10%.

Across all 159 counties, the cheapest Plan G at 65 is $131.47 in Appling County (Bankers Fidelity (Atlantic Capital Life)). The priciest county's best rate is $157.76 in Polk County (Bankers Fidelity (Atlantic Capital Life)). That is a $26.29 gap between counties, $6,310 over 20 years. Inside Fulton County alone the gap between carriers is $187.38. In Georgia the carrier choice moves the bill about 7 times more than the county does.

2026 Georgia Medigap Rate Filings

15 filings from 15 companies appear in the CSG Actuarial filing records for Georgia (January 2026 through September 2026). 12 of the 15 take Plan G up 15% or more. The largest Plan G increase is Medico Insurance Company at +24.3%, effective February 1, 2026. Effective dates run from January 1, 2026 to September 1, 2026.

Source: CSG Actuarial licensed API (rate_increases on each quote). The effective date on a row can land later than the month the report covers. A row is the carrier's filing on its Georgia block, not one person's renewal.

Because every Georgia carrier prices on issue age, these filings are the only way an existing premium moves. Anthem Blue Cross Blue Shield policyholders saw +15.1% on January 1, 2026; LifeShield National policyholders get +15.0% on September 1, 2026. Holding one of these letters is not a reason to switch on its own. Ask what the new premium ranks against the 20 filed rates in your rating area first. The full list by state is on the 2026 rate-increase page.

Who Holds What in Georgia

Georgia had 373,397 people on a Medicare Supplement at the end of December 2023 (NAIC Medicare Supplement Experience Exhibit via AHIP May 2025 report). Plan G led with 182,212, ahead of Plan F at 134,481 and Plan N at 35,634. Plan F is closed to anyone new to Medicare on or after January 1, 2020. This page has no Plan F table. Those counts are statewide by plan letter, not per carrier and not per county.

Where Georgia Sits Among 21 States

Each state is its flagship county at 65, sorted by the cheapest filed Plan G. Georgia is the highlighted row. Medians are statewide, and the last column is the cheapest filed Plan G anywhere in that state.

Georgia ranks 14 of 21 on the cheapest Fulton County rate and 13 of 21 on the statewide median, $182.00. 4 bordering states in the dataset have a cheaper flagship-county Plan G than Fulton County's $144.62: South Carolina, North Carolina, Tennessee, Alabama. Florida's flagship county is higher, at $200.58. On statewide floors, 4 of those 5 neighbors sit under Georgia's $131.47. Only 3 of the other 20 states have fewer carriers filing Plan G at 65 than Georgia's 20.

Methodology

• Source: CSG Actuarial licensed API, pulled September 10, 2026. Every rate on this page is read from that file; no rate was typed by hand.
• Profile: female, non-tobacco, individual, no household discount applied. A male, a tobacco user, or a couple gets different numbers.
• Counties: the file quotes each of the 159 counties through one ZIP, meant to be the ZIP with the largest land overlap. Fulton County (ZIP 30213) is the flagship; the key-counties table covers 12 counties, Fulton County among them. Richmond County, Muscogee County, Houston County, Lowndes County are held out of that table. The file quoted those 4 through a ZIP outside the county; they return once the ZIP map is fixed.
• Spread is the monthly dollar distance between two filed rates. Inside one county it is cheapest carrier to dearest carrier; across the state it is cheapest county to priciest county.
• A carrier count is how many companies returned a filed Georgia quote for this profile. Entries and exits change it between pulls; 18 of 20 filed a new rate in 2026.
• Georgia rates vary by rating area: 78 areas across 159 counties, the largest covering 17 counties (Calhoun County among them). One county's table is not your quote.
• Rate-change rows come from the CSG Actuarial filing records (January 2026 through September 2026). An effective date can be later than the report month.
• Plan F: Plan F is not sold to anyone new to Medicare after January 1, 2020, so there is no Plan F table here. Plan G does not cover the $283 Part B deductible.

Journalists are welcome to quote any Georgia figure here with a link and a MedicareYourself.com credit. Carrier-level detail on request: anthony@easykindmedicare.com.