Best Medicare Supplement Plans in Kansas: 2026
By Anthony Orner, Independent Licensed Medicare Insurance Broker · Kansas filed-rate data pulled September 14, 2026, CSG Actuarial · Johnson County (ZIP 66018)
5.0 · 142 Google reviews, all five stars
A 65-year-old shopping in Johnson County finds Plan G running $142.96 to $247.00 a month among 25 Kansas carriers (CSG Actuarial filings, pulled September 14, 2026). Bankers Fidelity (Atlantic Capital Life) sets that bottom number, and the same company's rate class is also the cheapest filed Plan G anywhere in the state, at $134.87 in Barton County. Federal law makes the coverage behind every one of those numbers identical.
$104.04 separates the top Johnson County filing from the bottom one a month, $24,970 over 20 years before any carrier files a single increase. United American bills 1.7 times what Bankers Fidelity (Atlantic Capital Life) charges for an identical Plan G. Kansas slices its Medigap map into 28 rating areas over 105 counties, and even so that bottom-line carrier barely gives ground to geography: Linn County is the lone exception, where BC BS KS Solutions Inc takes the cheaper line instead. Two more pages pick up from here: the full monthly bill with Part B folded in, and the carriers whose 2026 filings moved the most.
Published October 13, 2026 · Filed-rate data pulled September 14, 2026 · Source: CSG Actuarial · Profile: female, non-tobacco, individual, no household discount
The carrier pays the commission, not you — the premium is the same either way you go.
See Every Kansas Carrier at Your ZIP — 855-559-1700Kansas rates at your ZIP and age
Tell me your ZIP code and birth month and I will walk through all 25 filed Kansas carriers in order, cheapest to priciest, filing history included.
Call 855-559-1700Start With Your ZIP OnlineThe carrier pays us. Your premium does not change.
What Plan G and Plan N Cost in Johnson County at 65
These are CSG Actuarial's filed rates, pulled September 14, 2026, quoted at ZIP 66018 in Johnson County for a female, non-tobacco, individual applicant with no household discount — each carrier's cheapest rate class. Johnson County sits in one of 28 Kansas rating areas; a different ZIP in the state pulls a different table.
| Plan | Cheapest filing | Carrier | Highest filing | Carrier | Monthly spread | Carriers |
|---|---|---|---|---|---|---|
| Plan G | $142.96 | Bankers Fidelity (Atlantic Capital Life) | $247.00 | United American | $104.04 | 25 |
| Plan N | $106.82 | Bankers Fidelity (Atlantic Capital Life) | $236.00 | United American | $129.18 | 24 |
Plan N's cheapest Kansas filing is $106.82 a month, $36.14 below the Plan G floor, and the same carrier, Bankers Fidelity (Atlantic Capital Life), underwrites both. What you give up for that discount is cost-sharing: up to $20 on some office visits, up to $50 on an ER trip that doesn't end in a hospital stay, and the Part B excess charges Plan G absorbs but Plan N does not. The $283 Part B deductible sits outside both letters.
Go deeper: Kansas cost with the Part B premium added
Three Things That Decide a Kansas Medigap Price
Rate Type: No Community-Rated Plan G at All
23 of 25 Kansas Plan G carriers price on attained age and 2 on issue age; 0 price community rated, the one-price-for-life kind sold in some other states. Bankers Fidelity (Atlantic Capital Life)'s Johnson County line goes $142.96 at 65, $150.19 at 70, $178.46 at 75 and $211.60 at 80. Old Surety Life and Everence Association are the issue-age filings here, set once at the age you buy.
Rating Area: 28 Zones, One County Breaks Rank
105 Kansas counties fall into 28 rating areas, yet the cheapest Plan G at 65 moves only $10.13 between Barton County and Linn County. Linn County alone breaks from Bankers Fidelity (Atlantic Capital Life): BC BS KS Solutions Inc files the cheaper line there instead. Your county barely moves the number; your carrier moves it by $104.04.
Carrier: One Name Dominates, With One Challenger
Bankers Fidelity (Atlantic Capital Life) holds the cheapest Johnson County Plan G and the cheapest Plan N at $142.96 and $106.82. But on Plan N, BC BS KS Solutions Inc undercuts it in 3 of our 12 tracked counties — all in the Kansas City area. 24 of the 25 carriers carry a Kansas filing effective sometime in 2026.
Which Kansas Counties Sit on Which Price Line
We quoted 12 Kansas counties, including the Kansas City suburbs, as key markets on September 14, 2026, and their cheapest Plan G at 65 sorts into only 2 price lines — Bankers Fidelity (Atlantic Capital Life) sits at the bottom of every single one. Plan N tells a messier story: Bankers Fidelity (Atlantic Capital Life) wins that floor in most of the same counties, just not all of them.
| Cheapest Plan G at 65 | Carrier | Counties on this line |
|---|---|---|
| $134.87 | Bankers Fidelity (Atlantic Capital Life) | Sedgwick County, Shawnee County, Riley County, Butler County, Reno County, Saline County, Finney County, Ford County (8) |
| $142.96 | Bankers Fidelity (Atlantic Capital Life) | Johnson County, Wyandotte County, Douglas County, Leavenworth County (4) |
On Plan N specifically, BC BS KS Solutions Inc underprices Bankers Fidelity (Atlantic Capital Life) in Wyandotte County, Douglas County and Leavenworth County — the same metro area as Johnson County, but not Johnson County itself, where Bankers Fidelity (Atlantic Capital Life) still holds the Plan N floor. The Kansas cost page runs every county through the same table, with Part B folded into the total.
Kansas Medigap Rate Filings in the 2026 Reports
The CSG Actuarial filing records from January 2026 through September 2026 carry 22 Kansas rows with a Plan G line, and every single one of them is an increase — none a cut. 12 of them, 55%, ran 15% or more. The largest is AARP / UnitedHealthcare at +24.4%, effective June 1, 2026 — the same filing line that offers the smallest household discount on the whole board. LifeShield National, the second-cheapest Johnson County Plan G at $160.87 on September 14, 2026, filed +9.0% for June 1, 2026. A filing is a rate action against the whole Kansas block, not a letter aimed at one renewal, and the month it takes effect does not have to match the month CSG's report names it.
| Carrier (as filed) | Effective | Plan G | Plan N | Johnson County Plan G at 65 |
|---|---|---|---|---|
| Blue Cross Blue Shield | January 1, 2026 | +6.7% | — | $185.66 |
| Guarantee Trust Life | January 1, 2026 | +12.0% | — | $231.79 |
| WPS Health Solutions | January 1, 2026 | +9.0% | — | $188.93 |
| State Farm | February 1, 2026 | +13.2% | — | $196.95 |
| United American | February 15, 2026 | +14.9% | — | $247.00 |
| Aetna Health Insurance | March 1, 2026 | +15.0% | — | $194.67 |
| Aflac (Tier One Insurance) | March 1, 2026 | +15.0% | — | $174.01 |
| Everence Association | April 1, 2026 | +11.0% | — | $203.59 |
| GPM Health and Life | April 1, 2026 | +15.0% | — | $231.38 |
| Humana Insurance Company | April 1, 2026 | +15.0% | — | $204.45 |
| AARP / UnitedHealthcare | June 1, 2026 | +15.3% | — | $193.31 |
| AARP / UnitedHealthcare | June 1, 2026 | +24.4% | — | $195.75 |
| LifeShield National | June 1, 2026 | +9.0% | — | $160.87 |
| Members Health | June 1, 2026 | +15.0% | — | $162.22 |
| Washington National | June 1, 2026 | +14.9% | — | $186.07 |
| United World Life (Mutual of Omaha) | June 12, 2026 | +16.7% | — | $220.11 |
| HealthSpring Insurance (HCSC) | July 1, 2026 | +15.0% | — | $169.69 |
| Nassau Life Insurance Company | July 1, 2026 | +15.0% | — | $174.36 |
| Bankers Fidelity (Atlantic Capital Life) | August 1, 2026 | +12.0% | — | $142.96 |
| Insurance Company of North America (Chubb) | August 1, 2026 | +12.0% | — | $179.42 |
| American Benefit Life | September 1, 2026 | +15.0% | — | $181.62 |
| Old Surety Life | September 1, 2026 | +15.0% | — | $161.56 |
22 of those 22 filings line up with a carrier on the Johnson County table; the rest are closed blocks, group business or a name the match failed to find, so they carry no quote beside them. Old Surety Life filed most recently, effective September 1, 2026. Every state's 2026 filings are on the 2026 Medigap rate increases page.
The Lettered Plans, and What Each One Leaves With You
Kansas carriers all sell from the same federal benefit chart, letter for letter. Plan G's only gap is the $283 Part B deductible. Plan N trims the premium by adding copays and dropping Part B excess-charge coverage. Nobody newly eligible for Medicare on or after January 1, 2020 can buy Plan F anymore. As of December 2023, 101,063 Kansans still carried Plan F, versus 113,636 on Plan G and 19,406 on Plan N — NAIC enrollment via AHIP's May 2025 report, counted statewide by letter rather than by carrier or county.
| 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 G113,636 Kansas lives | The Part B deductible only | Kansas's most-enrolled letter (NAIC data, 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 only Plan G and Plan N, and nobody new to Medicare can add Plan F to the mix.
Kansas Medigap at a Glance (2026)
Every figure above traces to the September 14, 2026 pull, under one buyer profile throughout. The cost page continues the story with Part B folded in for the full monthly number.
Cost
What Medicare costs in Kansas in 2026
Stacks the $202.90 Part B premium on top of the $142.96-to-$247.00 Plan G range, monthly and annualized, with Plan N and the household discount worked in.
Rate Increases
2026 Medigap rate increases by state
Every one of Kansas's 22 Plan G filings this year moved the price up, topped by AARP / UnitedHealthcare's +24.4%; see how that stacks against the other states we track. What a rate letter actually means for your next move.
Kansas Numbers to Carry Into the Call
- • Part B premium: $202.90 a month, billed by Medicare itself before any supplement enters the picture.
- • Part B deductible: $283 a year; Plan G and Plan N both pass this one through to you.
- • Part A deductible: $1,736 per benefit period, and both lettered plans here cover it in full.
- • Kansas Plan G at 65: starts at $134.87 in Barton County, tops out at $293.48 (United World Life (Mutual of Omaha)) statewide, with a $186.07 median across every filing.
- • Kansas Medigap book of business: 248,247 lives as of December 2023, 113,636 of them on Plan G (NAIC data via AHIP, by letter statewide).
- • Open enrollment: the six-month clock starts the month you turn 65 and carry Part B; no carrier can ask a health question inside it, and Kansas adds no birthday-rule reopening once it closes, across all 25 carriers.
How These Kansas Numbers Were Built
- Every rate here traces to CSG Actuarial's filing data, pulled September 14, 2026; the filing-history rows draw from CSG's monthly reports, January 2026 through September 2026.
- Quoted profile: a non-tobacco female buying an individual policy, no discount applied. Change any one of those three and the number on the page changes with it.
- County method: each of Kansas's 105 counties was priced through whichever ZIP covers the most of its land area. Johnson County, ZIP 66018, carries the flagship table; 12 more counties get a line of their own above.
- Spread, defined: the priciest carrier's cheapest tier minus the cheapest carrier's, inside one county at one age. Multiply that by 240 for the 20-year figure, assuming no carrier ever files again.
- The carrier count is a snapshot, not a constant: 25 carriers had a Johnson County Plan G filing live at 65 on September 14, 2026, and that roster shifts as carriers enter, exit or refile.
- We track a carrier by its NAIC filing number, not the name on the letter. BC BS KS Solutions Inc and Bankers Fidelity (Atlantic Capital Life) file under different NAICs, and only one county in our file breaks the latter's hold on the Plan G floor.
- Kansas runs 28 rating areas, so the Johnson County table is one sample among them, not a quote. Your own ZIP picks a side of that $10.13 gap.
- On Plan F: no new-business rows exist in the file, because nobody first eligible for Medicare on or after January 1, 2020 can buy it anymore. Both Plan G and Plan N leave the $283 Part B deductible for you to pay.
Kansas Medigap Questions, Answered From the Filings
Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700 — licensed in New Jersey plus 33 other states, Kansas included. Every rate above comes straight from CSG Actuarial filings pulled September 14, 2026, quoted at ZIP 66018 in Johnson County for a female, non-tobacco, individual applicant with no household discount applied — a sample, not a quote with your name on it. Whichever carrier you enroll with pays the broker; you pay the filed rate regardless.
Related: Kansas cost · 2026 rate increases · Bankers Fidelity review · Medicare Supplement hub · Medicare broker · Compare policies · How to enroll · Get a quote
Filed-rate hubs for other states: New Jersey · Virginia · Indiana · South Carolina
25 filed lines, one carrier holding most of the floor. Where does yours fall?
Give me the number off your renewal letter plus your ZIP code, and I'll slot it between $142.96 and $247.00, point to whoever beats it, and say whether switching clears underwriting.
Rank Your Carrier Among 25 Kansas Filings — 855-559-1700