Indiana Medicare Costs 2026: Part B Plus Plan G by County

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

Indiana's floor, $109.46 from Bankers Fidelity (Atlantic Capital Life) in Allen County, is among the lowest in our 28-state file. In Marion County the same carrier files $118.22, which puts the Part B plus Plan G bill at $321.12 to $536.57 a month (CSG Actuarial filings, pulled September 11, 2026), the $202.90 Part B premium plus Plan G from $118.22 (Bankers Fidelity (Atlantic Capital Life)) to $333.67 (GPM Health and Life).

27 carriers file that plan letter in Marion County, and by federal law every one pays the same claims, so $215.45 a month, $2,585 a year, $51,708 over twenty years, is the price of the name on the card. Two things complicate the cheap headline. Indiana prices in 85 rating areas, so the floor moves with the county. And 15 carriers filed 15% or more this year, 5 of them 30% or more.

The carrier pays the broker; the filed rate is what you pay regardless.

Bottom and Top of the Marion County Table

Both pay the $1,736 Part A deductible per benefit period, and both leave the $283 Part B deductible to you before covering the rest of what Medicare approves. Nothing on Medicare's side of the bill differs. The carrier line is the entire decision.

Members Health is second at $130.00, $11.78 behind the leader. The median Marion County line is Everence Association at $168.35; the statewide median is $166.35. Marion County's $118.22 ranks 7 of 28 among the flagship counties we publish. Part D depends on the drug list and is left out of these totals.

What the Floor Does at 70 and 75

Bankers Fidelity (Atlantic Capital Life) files $118.22 at 65, $124.20 at 70 and $147.57 at 75 in Marion County, $29.35 of birthday steps over ten years before a single block filing. It stays cheapest at every age in the table. The age-75 bill with Part B runs $350.47 to $643.39.

CSG Actuarial filings pulled September 11, 2026; female, non-tobacco, individual, no household discount, ZIP 46239 in Marion County. A man, a smoker or another rating area gets a different table.

85 Rating Areas Across 92 Counties

Few states in our file slice the map as finely as Indiana. Bankers Fidelity (Atlantic Capital Life) files $109.46 in Allen County, $118.22 in Marion County and $126.97 in Porter County, $17.51 of pure geography, $210 a year. Of the 16 key counties in the table, Allen County is lowest at $109.46 and Porter County highest at $126.97. With Part B, the cheapest Indiana bill anywhere is $312.36.

Each county quoted at the ZIP with the largest land overlap, same profile as Marion County.

Plan N: A Different Carrier Leads

The Plan N floor in Marion County belongs to Members Health at $85.00, while Bankers Fidelity (Atlantic Capital Life), the Plan G leader, files Plan N at $91.57. Against the cheapest Plan G, Plan N saves $33.22 a month, $399 a year, and asks for up to $20 at some office visits and up to $50 at an ER that does not admit you. Part B excess charges stay with the policyholder on Plan N; Indiana allows them and Plan G pays them. 26 carriers file Plan N here, $85.00 to $196.93; statewide the floor is $84.79 in Allen County.

Same ZIP and profile as the Plan G rows.

Household Discounts: 11% to 12.3% at 5 Carriers

5 of 27 Indiana carriers file a household discount, in a band from 11% to 12.3%. Medico Insurance Company files the largest at 12.3%, $157.69 down to $138.29. Bankers Fidelity (Atlantic Capital Life) files none, so the cheapest carrier for a couple can be a different name. Net of discounts, HealthSpring Insurance (HCSC) is lowest at $123.88.

The other 22 file no discount. Household definitions are carrier-specific, and a few require both spouses to buy from them, so we quote a couple both ways before naming a winner.

5 Indiana Filings at 30% or More

CSG Actuarial's Indiana records for December 2025 through September 2026 hold 18 filings. 15 of the 18 Plan G entries are 15% or more, and 5 reach 30%. HealthSpring Insurance (HCSC)'s +42.7%, effective April 1, 2026, is larger than every Plan G filing in our 28-state records except 2. 18 rows match a carrier in the Marion County table above; unmatched names show no paired rate.

CSG Actuarial MedSupp filing records, December 2025 to September 2026. An effective date may come after the report month. Each row is an Indiana block change, not one renewal notice.

A cheap line with a 30% filing behind it is not cheap for long. The age table and the filing table are two halves of one answer. The full state list is at 2026 Medigap rate increases.

Rating Method and Who Holds Which Plan

25 of the 27 Marion County carriers price on attained age, so the premium rises on birthdays and the block filing stacks on top. Everence Association is the lone issue-age line at $168.35; its age is fixed at purchase. AARP / UnitedHealthcare is the lone community-rated line at $160.41, with a dearer class at $602.89; age does not enter its price. The highest Plan G filed anywhere in Indiana is $333.67, from GPM Health and Life.

15 of the 27 carriers carry a 2026 effective date on their Marion County rate; the newest is Washington National, September 1, 2026. The NAIC counted 370,851 Indiana Medigap policies as of December 2023: Plan G 202,217 (55%), Plan F 119,959, Plan N 32,798. Plan F is closed to anyone newly eligible since January 1, 2020, so no Plan F table appears here.

Methodology

• Premiums are carrier filings pulled from CSG Actuarial on September 11, 2026 and rendered from the Indiana data file. No figure is typed by hand.
• Profile: female, non-tobacco, individual, no household discount; discounted lines apply the filed percentage.
• Marion County (ZIP 46239) is the flagship county. Key counties are quoted at the ZIP with the largest land overlap; Allen County represents the 3-county rating area.
• Spread is the highest filing minus the lowest for one plan letter, age and county. Twenty-year figures multiply the monthly spread by 240 with no filings assumed.
• Cross-state floor claims compare statewide lows from the same licensed file, never a flagship ZIP against a statewide figure.
• Carrier counts are whoever returned a filed quote for this profile on the pull date. Direct-to-consumer and guaranteed-issue rate classes are excluded.
• The Part B premium and both deductibles are 2026 CMS figures from a single file. Plan G does not pay the Part B deductible.
• Enrollment is statewide by plan letter as of December 2023, from the NAIC Medicare Supplement Experience Exhibit via AHIP May 2025 report.
• Filing rows are CSG Actuarial records for December 2025 to September 2026; a "No" row matched no carrier in the quote table and is never paired with a rate.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in Indiana and 34 other states. MedicareYourself (EasyKind Medicare) is an independent brokerage unaffiliated with Medicare, CMS or any carrier. The carrier pays the broker and the filed premium does not change.