Why does Indiana have 85 rating areas for 92 counties?

Carriers here file almost one price zone per county instead of grouping counties into regions, Allen County and its 3 neighbors being one of the few exceptions. That is finer than any other state we publish. The payoff is a $17.51 gap between Allen County and Porter County for the exact same carrier and plan letter, so a neighboring county is not a safe stand-in for your own quote.

Is one carrier really cheapest in every Indiana county?

Among the 16 counties we track, yes: Bankers Fidelity (Atlantic Capital Life) wins every one, though at 3 different price points depending on the rating area, from $109.46 up to $126.97. That is unusual; most states split the floor between two or three names. It does not mean this carrier is right for you, only that it prices lowest on this profile.

What does Plan G actually cost in Marion County?

$118.22 to $333.67 a month for the 27 carriers we quote there, pulled September 11, 2026. GPM Health and Life sits at 2.8 times what Bankers Fidelity (Atlantic Capital Life) charges, for identical federal benefits. Statewide the floor drops further, to $109.46 in Allen County; the statewide median across every filing is $166.35.

Does the Plan N leader match the Plan G leader here?

No, and that trips people up. Bankers Fidelity (Atlantic Capital Life) wins Plan G at $118.22; Members Health wins Plan N at $85.00, $33.22 cheaper. Shopping "the cheapest G" and "the cheapest N" separately means calling two different companies, not one.

Will my rate keep climbing after I turn 65?

At 25 of 27 carriers here, yes; they price by attained age, so the bill steps up on birthdays on top of whatever the block gets filed for. Take Bankers Fidelity (Atlantic Capital Life)'s own Marion County line: $118.22 at 65, $124.20 at 70, $147.57 at 75, $174.98 at 80. Everence Association locks the rate at the age you buy in, a filing aside. AARP / UnitedHealthcare charges one price regardless of age.

How big were Indiana's 2026 rate hikes?

5 carriers cleared 30% on Plan G this year: HealthSpring Insurance (HCSC) at +42.7%, effective April 1, 2026; Medico Insurance Company at +34.5%, effective April 1, 2026; Insurance Company of North America (Chubb) at +32.0%, effective September 1, 2026; Pekin Life Ins Co at +30.0%, effective July 1, 2026; WoodmenLife at +30.0%, effective March 15, 2026. Across the December 2025-to-September 2026 CSG filing records, 15 of 18 Indiana Plan G rows filed 15% or more. A filing changes one carrier's block, never a single policyholder's letter directly, though the two usually land close together.

Is a household discount worth asking about in Indiana?

5 of 27 carriers file one, and the band is narrow here, 11% to 12.3%. Medico Insurance Company tops out at 12.3%, $157.69 down to $19.40. Bankers Fidelity (Atlantic Capital Life), the cheapest single-applicant line, files no discount at all, so ask us to run the household math both ways before assuming the floor carrier is still the floor for a couple.

Can I switch Plan G carriers later without a health exam?

Only during your six-month Medigap open enrollment window, the one that starts the month you turn 65 and enroll in Part B. Every one of the 27 carriers here has to issue you Plan G then, no questions asked. Indiana carries no birthday rule after that, so trading up from a $333.67 policy to a $118.22 one later usually means underwriting. That makes the first pick the important one, not the second.

Does Medigap restrict which Indiana doctors I can see?

No network exists on any Plan G or Plan N policy. Every one of the 27 carriers we quote here pays secondary to Original Medicare, so any provider that bills Medicare gets paid, Marion County or anywhere else you travel. The carrier only decides the premium; it never decides the doctor.

Plan G or Plan N — which one fits an Indiana budget better?

Plan N undercuts Plan G by $33.22 a month in Marion County, $399 a year, in trade for copays: up to $20 at some office visits, up to $50 at an ER visit that doesn't admit you, plus Part B excess charges that Plan G absorbs and Plan N leaves with you. Neither letter touches the $283 Part B deductible. Light users of the doctor's office tend to keep the savings; people with a standing specialist schedule usually still buy G.

Where does Indiana land against the other states you cover?

Second place statewide, $109.46 in Allen County, behind only Virginia in our 28-state file. Judged by the flagship county instead, Marion County at $118.22 comes in 7th of 28, since Marion County sits on a $118.22 line and not Indiana's own $109.46 floor. Every state in the comparison uses the same profile: female, non-tobacco, individual.

Who reads these Indiana numbers back to me on the phone?

Anthony Orner, NPN 20586791, independently licensed in Indiana and 34 other states, based at 1309 Route 70 West, Cherry Hill, NJ 08002. I work all 27 filed Indiana Plan G carriers rather than one company's book, and whichever one you pick pays my commission out of the same filed rate you'd pay walking in cold. Call 855-559-1700 with a ZIP and a birth month.

Best Medicare Supplement Plans in Indiana: 2026 Rates

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Indiana filed-rate data pulled September 11, 2026, CSG Actuarial · Marion County (ZIP 46239)

5.0 · 142 Google reviews, all five stars

Indiana carriers file Medigap in 85 rating areas for 92 counties — close to one price zone per county, the finest slice of any state we publish. In Marion County, 27 carriers quote Plan G at 65 from $118.22 to $333.67 (CSG Actuarial, pulled September 11, 2026); the statewide floor drops to $109.46 in Allen County, still Bankers Fidelity (Atlantic Capital Life). Federal law makes the coverage behind every one of those numbers identical.

GPM Health and Life's $333.67 runs 2.8 times Bankers Fidelity (Atlantic Capital Life)'s $118.22 for the same plan letter, a $215.45-a-month gap worth $51,708 over 20 years if neither line ever files an increase again, which neither will. Below: the full monthly bill with Part B added, county by county, and every carrier that filed a 2026 increase.

Published September 22, 2026 · Filed-rate data pulled September 11, 2026 · Source: CSG Actuarial · Profile: female, non-tobacco, individual, no household discount

The carrier pays the commission, not you; the filed rate is the filed rate either way.

See Every Indiana Carrier at Your ZIP — 855-559-1700

Indiana rates at your ZIP and age

Tell me your ZIP and birth month and I'll run down all 27 filed carriers cheapest to priciest, filing history included.

Call 855-559-1700 Start With Your ZIP Online

The carrier pays us. Your premium does not change.

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

ZIP 46239 in Marion County, female, non-tobacco, individual, no discount applied, pulled September 11, 2026. This is one table out of 85 Indiana rating areas — your own ZIP can land on a different line entirely.

Plan	Cheapest filing	Carrier	Highest filing	Carrier	Monthly spread	Carriers
Plan G	$118.22	Bankers Fidelity (Atlantic Capital Life)	$333.67	GPM Health and Life	$215.45	27
Plan N	$85.00	Members Health	$196.93	WPS Health Solutions	$111.93	26

Plan N's floor is $85.00, $33.22 under the cheapest Plan G, and it belongs to Members Health, not Bankers Fidelity (Atlantic Capital Life), the Plan G leader. Plan N trades that gap for copays: up to $20 at some office visits and up to $50 at an emergency room visit that does not end in admission, and it hands you Part B excess charges too. One rule holds on both letters: the $283 Part B deductible stays unpaid.

Go deeper: the full Indiana monthly bill with the Part B premium added, county by county.

Three Things That Decide an Indiana Medigap Price

Rate Type: 25 of 27 Price on Attained Age

September 11, 2026's mix: 25 attained age, 1 issue age, 1 community rated. Attained-age pricing climbs on birthdays, then climbs again whenever the carrier refiles. Bankers Fidelity (Atlantic Capital Life)'s Marion County Plan G goes $118.22 at 65, $124.20 at 70, $147.57 at 75 and $174.98 at 80. Everence Association is the one issue-age filing here, set by the age you buy at. AARP / UnitedHealthcare is the one community-rated filing, one price at every age.

Rating Area: 85 Price Zones Across 92 Counties

Indiana carriers file by rating area, close to one per county, the finest slice of any state in our file. The cheapest Plan G at 65 is $109.46 in Allen County and $126.97 in Porter County, a $17.51 gap from the same carrier for the same plan. Pick your county first; the carrier list only matters after that.

Carrier: One Name Holds Every County Floor

Bankers Fidelity (Atlantic Capital Life) is the cheapest filed Plan G carrier in every one of the 16 key counties we track, at 3 different rate lines depending on the rating area. Federal law standardizes the benefits, so all 27 Marion County filings pay identical claims from $118.22 to $333.67. 15 of the 27 carriers have an Indiana filing effective in 2026, the newest Washington National on September 1, 2026.

Which Indiana Counties Sit on Which Price Line

16 Indiana counties were quoted as key markets on September 11, 2026. Their cheapest Plan G at 65 lands on 3 price lines, all of them cheapest through Bankers Fidelity (Atlantic Capital Life). The county low moves $17.51 across the state; only the rating area changes, not the carrier.

Cheapest Plan G at 65	Carrier	Counties on this line
$109.46	Bankers Fidelity (Atlantic Capital Life)	Allen County, Hamilton County, St. Joseph County, Elkhart County, Tippecanoe County, Vanderburgh County, Hendricks County, Johnson County, Madison County, Clark County, Monroe County, Delaware County, Vigo County (13)
$118.22	Bankers Fidelity (Atlantic Capital Life)	Marion County (1)
$126.97	Bankers Fidelity (Atlantic Capital Life)	Lake County, Porter County (2)

The Indiana cost page carries the full 16-county table with the Part B premium added and the age-65-to-75 progression by carrier.

Indiana Medigap Rate Filings in the 2026 Reports

18 Indiana rows carry a Plan G percentage in the December 2025-to-September 2026 CSG records; 18 went up, 5 by 30% or more. HealthSpring Insurance (HCSC) tops the list at +42.7%, effective April 1, 2026. Remember a filing moves one carrier's whole block, not a single renewal notice, and the effective date often lands weeks or months away from the report month that first disclosed it.

Carrier (as filed)	Effective	Plan G	Plan N	Marion County Plan G at 65
GPM Health and Life	December 1, 2025	+28.0%	—	$333.67
Humana Insurance Company	December 1, 2025	+19.5%	—	$158.13
Humana Insurance Company	December 1, 2025	+19.5%	—	$217.33
WPS Health Solutions	January 1, 2026	+15.0%	—	$214.70
Anthem Blue Cross Blue Shield	January 1, 2026	+12.6%	—	$164.11
United American	February 1, 2026	+8.8%	—	$224.00
Aflac (Tier One Insurance)	March 1, 2026	+21.0%	—	$175.41
WoodmenLife	March 15, 2026	+30.0%	—	$180.75
HealthSpring Insurance (HCSC)	April 1, 2026	+42.7%	—	$139.19
Medico Insurance Company	April 1, 2026	+34.5%	—	$157.69
Everence Association	April 1, 2026	+17.7%	—	$168.35
Globe Life and Accident	May 1, 2026	+19.8%	—	$166.00
AARP / UnitedHealthcare	June 1, 2026	+25.1%	—	$160.41
Pekin Life Ins Co	July 1, 2026	+30.0%	—	$211.50
Insurance Company of North America (Chubb)	September 1, 2026	+32.0%	—	$173.08
Washington National	September 1, 2026	+24.9%	—	$159.83
New Era Life	September 1, 2026	+18.0%	—	$170.97
USAA Life	September 1, 2026	+15.0%	—	$187.85

Every state's 2026 filings are on the 2026 Medigap rate increases page.

Check an Indiana Rate Letter Against the Filings — 855-559-1700

The Lettered Plans, and What Each One Leaves With You

One federal benefit chart governs every carrier's lettered plans, in Indiana or anywhere else. On Plan G, only the $283 Part B deductible is yours to pay; Plan N shares that plus copays and Part B excess charges; Plan F, closed to anyone newly eligible since January 1, 2020, covers everything. Even closed to new buyers, Plan F held 119,959 Indiana lives as of December 2023, against 202,217 on Plan G and 32,798 on Plan N — legacy policyholders who bought before the cutoff and never moved (NAIC via AHIP, statewide by letter).

Plan	What it leaves with you	In one line
Plan A	Both deductibles, skilled nursing coinsurance, excess charges, foreign travel	The basic benefits every letter includes
Plan B	Part B deductible, skilled nursing coinsurance, excess charges, foreign travel	Plan A plus the Part A deductible
Plan D	Part B deductible and Part B excess charges	Plan G without excess-charge coverage
Plan G202,217 Indiana lives	The Part B deductible only	The letter with the most Indiana lives (NAIC, December 2023)
High-Deductible G	A yearly deductible before the plan pays	Lower premium, more first-dollar risk
Plan K	Half of most cost-sharing, up to a yearly cap	Lowest premium tier by design; half of most cost-sharing stays with you
Plan L	A quarter of most cost-sharing, up to a yearly cap	Between K and N
Plan N	Part B deductible, office and ER copays, excess charges	The lower-premium trade most callers weigh against G

Benefit chart per Medicare.gov. This page prices Plan G and Plan N only.

Indiana Medigap at a Glance (2026)

One data pull (September 11, 2026), one profile. The cost page below adds the Part B premium and follows the floor from 65 to 75.

Cost

What Medicare costs in Indiana in 2026

The $202.90 Part B premium stacked on the $118.22 and $333.67 Plan G filings, monthly and yearly, plus Plan N, the county table and the household discount.

Rate Increases

2026 Medigap rate increases by state

18 Indiana Plan G filings went up this year, HealthSpring Insurance (HCSC)'s +42.7% the steepest. What to do when the letter arrives.

Write These Down Before You Dial

• Part B premium: $202.90/month, standard 2026 rate, billed by Medicare separately from any Medigap premium.
• Part B deductible: $283/year — neither Plan G nor Plan N touches this one.
• Part A deductible: $1,736 per benefit period, fully covered by Plan G and Plan N.
• Indiana Plan G, age 65: $109.46 in Allen County up to $333.67 in Marion County; statewide median $166.35.
• Statewide enrollment: 370,851 Medigap policies as of December 2023; 202,217 of them Plan G (NAIC via AHIP).
• Your window: six months, starting the month you're 65 and on Part B — no health questions asked, at any of the 27 carriers, no exceptions after it closes.

Where Every Indiana Figure Above Comes From

CSG Actuarial supplies both the base rates (pulled September 11, 2026) and the filing-change history (December 2025 through September 2026); nothing here is typed by hand.
Quoted profile is fixed across the page: a non-tobacco individual woman, no household discount. Change any one of those and the numbers move.
All 92 Indiana counties were priced at the ZIP with the most land inside them. Marion County (ZIP 46239) anchors this page; Allen County stands in for the typical 3-county grouping used where several counties share one filed rate.
A spread is simply the priciest carrier's cheapest class minus the cheapest carrier's, same county, same age. Multiply by 240 for the no-increase, 20-year projection.
27 carriers returned a Marion County Plan G quote on September 11, 2026. That number shifts as carriers enter, exit or refile a block.
Cross-state superlatives (lowest, second-lowest, ranked) are recalculated at every build from every state file we license, never asserted from memory.
Neither Plan G nor Plan N pays the $283 Part B deductible; that rule doesn't change by state or carrier.

Indiana Medigap Questions, Answered From the Filings

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in Indiana and 34 other states. Figures above are CSG Actuarial filings pulled September 11, 2026, quoted at ZIP 46239 in Marion County on a female, non-tobacco, individual profile with no discount — a sample table, not a quote. Whichever carrier you enroll with pays my commission out of the filed rate; nothing is added to your bill.

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

27 carriers file Plan G in your county. Which one is yours?

Tell me your renewal number and ZIP and I'll slot it between $118.22 and $333.67, name whoever prices below it, and say plainly whether switching is worth the underwriting risk.

See All 27 Indiana Carriers — 855-559-1700