Best Medicare Supplement Plans in Michigan: 2026 Filed Rates
By Anthony Orner, Independent Licensed Medicare Insurance Broker · Michigan filed-rate data pulled September 10, 2026, CSG Actuarial · Wayne County (ZIP 48111)
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A 65-year-old in Wayne County pays $113.48 to $373.11 a month for Plan G across 28 Michigan carriers (CSG Actuarial filings, pulled September 10, 2026). One company sits alone down there. Members Health files $113.48. The next name up, State Farm, files $149.18. That first step is $35.70 a month, $428 a year.
See Every Michigan Carrier at Your ZIP — 855-559-1700Carriers pay the broker; the price you pay is the same either way.
The Michigan list has a long bottom step and a crowded middle. $259.63 separates the top and bottom of the Wayne County table. Then look at the pack above it. 10 carriers, State Farm included, sit inside $33.76 of each other. The one step down to Members Health is worth more than that whole group. Members Health holds the floor in 14 of the 16 counties quoted here. 25 of the 28 carriers put a new Michigan filing into effect during 2026, the newest dated September 1, 2026. Below: the Wayne County table, the county list, every 2026 filing, and the four Michigan pages that go deeper.
Reviewed September 2026 · Filed-rate data pulled September 10, 2026 · Source: CSG Actuarial · Sample: Wayne County, ZIP 48111
Michigan rates at your ZIP and age
Give me a ZIP and a birth month. I read all 28 Michigan filings back in price order and name which of the 44 rating areas that ZIP sits in. Each carrier's latest filing goes next to its rate.
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What Plan G and Plan N Cost in Wayne County at 65
CSG Actuarial filed rates pulled September 10, 2026 for ZIP 48111, Wayne County (Detroit): female, non-tobacco, individual, no household discount applied. 28 carriers file Plan G there and 28 file Plan N. A man, a tobacco user, or a different county gets different numbers.
| Plan | Cheapest | Carrier | Median | Highest | Carrier | Carriers |
|---|---|---|---|---|---|---|
| Plan G159,198 in Michigan | $113.48 | Members Health | $193.91 | $373.11 | GPM Health and Life | 28 |
| Plan N | $89.47 | Members Health | $146.68 | $282.40 | GPM Health and Life | 28 |
The Wayne County spread is $259.63 a month between Members Health and GPM Health and Life, 3.3 times the price for identical claims. Over 20 years that is $62,311 before a single rate increase. At 70 the cheapest Wayne County Plan G is $128.39 (Members Health); at 75 it is $156.45; at 80, $182.51.
Go deeper: the whole Michigan bill with Part B on top · all 28 carriers in Wayne County, with filing dates
Who Sits at the Bottom in Each Michigan County
Members Health holds the cheapest Plan G at 65 in 14 of the 16 counties on this pull. It files 2 prices to do it. $113.48 in Wayne, Oakland, Macomb, Genesee, Washtenaw, Ingham, Saginaw and Livingston counties. $119.78 in Kent, Ottawa, Kalamazoo, Muskegon, Berrien and Jackson counties. The two prices are $6.30 apart. The question in every county is the same one. Is Members Health on the list you were handed?
2 carriers hold every cheapest slot across those 16 counties: Members Health and SilverScript (Aetna). The table groups the counties by their cheapest Plan G at 65, so a reader can find her own line before she calls.
| Cheapest Plan G at 65 | Carrier | Counties (ZIP-quoted) |
|---|---|---|
| $113.48 | Members Health | Wayne, Oakland, Macomb, Genesee, Washtenaw, Ingham, Saginaw, Livingston |
| $119.78 | Members Health | Kent, Ottawa, Kalamazoo, Muskegon, Berrien, Jackson |
| $123.37 | SilverScript (Aetna) | Grand Traverse, Marquette |
Across all 83 counties the cheapest filing runs $113.48 in Arenac County to $126.08 in Oscoda County, a $12.60 range. Members Health files both ends. 12 counties share the largest rating area, Alger County among them. The Wayne County table above is a sample, not a quote for another ZIP.
Three Things That Decide a Michigan Medigap Price
Rate Type
26 of the 28 carriers in the Wayne County table file attained-age Plan G: the premium steps up at each birthday and again with each block filing. AARP / UnitedHealthcare carries the one community-rated label, $175.51 at 65. Community rated means the same premium regardless of age, moved only by block filings. This pull lists that carrier at $175.51 at 65 and $280.27 at 80, so ask how its schedule works. Everence Association carries the one issue-age filing, $229.98 at 65, set by the age at purchase and moved only by block filings. Follow Members Health, attained age, up the ladder: $113.48 at 65, $128.39 at 70, $156.45 at 75, $182.51 at 80.
Rating Area
44 rating areas cover 83 counties. Members Health's Plan G at 65 is $113.48 in 8 of the counties checked and $119.78 in 6 others. Statewide the county floor moves $12.60, the smallest of these three levers. The rate index lays 16 counties side by side.
Carrier, and Its Filing Habit
GPM Health and Life tops the Wayne County table at $373.11, 3.3 times the $113.48 at the bottom. Price is half the choice. 23 Michigan filings come back with the rates, effective January 2026 through August 2026, and 57% of them are 15% or more on Plan G. A low rate paired with a +34.1% filing is a different purchase than a low rate paired with +6.9%.
Who Raised Michigan Medigap Rates in 2026
The licensed CSG feed returns a filing history beside every Michigan quote. 23 rows carry a Plan G figure, effective January 2026 through August 2026. The largest is Humana Insurance Company at +34.1%, effective July 1, 2026. The smallest Plan G row is Bankers Fidelity Assurance at +6.9%, effective June 4, 2026.
13 of the 23 rows are 15% or higher. One name is missing from the table. Members Health carries a June 1, 2025 effective date on its Wayne County Plan G, the oldest of the 28, and no 2026 filing for it comes back with the quotes. A rate that has stood that long is a question to ask, not an answer. A row is the carrier's filing on its Michigan block, not one person's renewal.
| Carrier (as filed) | Effective | Plan G | Plan N | In the Wayne County table |
|---|---|---|---|---|
| Humana Insurance Company | July 1, 2026 | +34.1% | — | Yes, as Humana Insurance Company |
| Physicians Life | July 1, 2026 | +29.0% | — | Yes, as Physicians Life |
| Humana Insurance Company | July 1, 2026 | +29.0% | — | Yes, as Humana Insurance Company |
| Washington National | June 1, 2026 | +27.9% | — | Yes, as Washington National |
| WoodmenLife | May 1, 2026 | +25.0% | — | Yes, as WoodmenLife |
| American Benefit Life | August 1, 2026 | +25.0% | — | Yes, as American Benefit Life |
| Blue Cross Blue Shield of Michigan | April 1, 2026 | +22.2% | — | Yes, as Blue Cross Blue Shield of Michigan |
| HealthSpring National Health (Cigna) | August 1, 2026 | +20.0% | — | Yes, as HealthSpring National Health (Cigna) |
| Priority Health | January 1, 2026 | +20.0% | — | Yes, as Priority Health |
| AARP / UnitedHealthcare | June 1, 2026 | +17.7% | — | Yes, as AARP / UnitedHealthcare |
| Insurance Company of North America (Chubb) | August 1, 2026 | +17.0% | — | Yes, as Insurance Company of North America (Chubb) |
| Health Alliance Plan of Michigan | January 1, 2026 | +15.6% | — | Yes, as Health Alliance Plan of Michigan |
| Aflac (Tier One Insurance) | April 1, 2026 | +15.0% | — | Yes, as Aflac (Tier One Insurance) |
| USAA Life | June 1, 2026 | +15.0% | — | Yes, as USAA Life |
| United American | May 1, 2026 | +15.0% | — | Yes, as United American |
| McLaren Health Plan | April 1, 2026 | +14.5% | — | Yes, as McLaren Health Plan |
| SilverScript (Aetna) | February 1, 2026 | +12.0% | — | Yes, as SilverScript (Aetna) |
| Everence Association | April 1, 2026 | +11.9% | — | Yes, as Everence Association |
| State Farm | January 1, 2026 | +10.0% | — | Yes, as State Farm |
| WPS Health Solutions | January 1, 2026 | +9.0% | — | Yes, as WPS Health Solutions |
| Aetna (Continental Life) | May 1, 2026 | +8.0% | — | Yes, as Aetna (Continental Life) |
| Guarantee Trust Life | January 1, 2026 | +7.9% | — | Yes, as Guarantee Trust Life |
| Bankers Fidelity Assurance | June 4, 2026 | +6.9% | — | Yes, as Bankers Fidelity Assurance |
Bring the renewal letter. I read the new premium against the 28 Wayne County filings, or the home county's, and say whether moving is worth the health questions. Every row above is also on the 2026 rate-increase page for every state.
Compare Your Michigan Renewal Notice — 855-559-1700The Lettered Plans, and Who Holds Them in Michigan
Michigan had 382,269 Medicare Supplement policies in force in December 2023 (NAIC data, via AHIP's May 2025 report). Plan G held 159,198, 42% of them. Plan F held 98,080 and Plan N 51,429. Those are statewide counts by plan letter, not by carrier and not by county.
Plan G leaves the $283 Part B deductible and nothing else that Medicare approves. Plan N leaves that deductible plus two copays. Some office visits carry a copay of up to $20, and an ER visit that does not end in admission carries up to $50. Plan N also leaves Part B excess charges, which Plan G covers. In Wayne County the cheapest Plan N at 65 is $89.47 (Members Health), $24.01 under the cheapest Plan G. Plan F is closed to anyone first eligible for Medicare on or after January 1, 2020, so the 98,080 Michigan Plan F policies are an aging block and this page prints no Plan F table.
| Plan | What it leaves the member to pay | Wayne County at 65, cheapest | Michigan policies, December 2023 |
|---|---|---|---|
| Plan G | The $283 Part B deductible | $113.48 | 159,198 |
| Plan N | Part B deductible, office and ER copays, Part B excess charges | $89.47 | 51,429 |
| Plan F | Nothing Medicare approves; closed to new Medicare eligibles since 2020 | Not quoted here | 98,080 |
| All plans | Statewide, every letter | — | 382,269 |
Michigan Medigap at a Glance (2026)
Four pages, one data pull (September 10, 2026), one profile. Pick the question that came up on the phone.
Cost
What Medicare costs in Michigan in 2026
The $202.90 Part B premium stacked on Plan G, from $113.48 to $373.11 in Wayne County, monthly and yearly, plus what Plan N's copays buy back.
Rate Index
Michigan Medigap rate index by county
All 28 carriers in Wayne County with rate type, AM Best, filing date and household discount, then 16 counties side by side, cheapest first.
Pricing by Age
Michigan pricing at 65, 70, 75 and 80
The cheapest Wayne County Plan G is $113.48 at 65, $128.39 at 70, $156.45 at 75 and $182.51 at 80, and which carriers climb most between those ages.
Rate Increases
2026 Medigap rate increases by state and carrier
The 23 Michigan rows, Humana Insurance Company +34.1% at the top, beside every other state's 2026 filings from the same CSG reports.
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How These Michigan Numbers Were Built
- Source and pull date. CSG Actuarial licensed API, pulled September 10, 2026. Rate changes come from the CSG Actuarial licensed API (rate_increases on each quote), effective January 2026 through August 2026.
- Profile. Female, non-tobacco, individual, no household discount applied. A man, a tobacco user, or a couple gets different numbers from the same filings.
- How counties were quoted. Each of Michigan's 83 counties was quoted once, through the ZIP with the largest land overlap. Wayne County uses ZIP 48111. Michigan carriers price by rating area (44 of them), so one county's table is not another county's quote.
- What spread means. The highest filed rate minus the lowest, same county, same age, same plan. Wayne County Plan G at 65: $373.11 minus $113.48 is $259.63. Multiplied by 240 months it becomes the 20-year figure.
- Carrier counts move. 28 carriers filed Plan G for a 65-year-old in Wayne County at the pull; 25 had a 2026 effective date. Carriers enter and leave between filing cycles.
- Plan F. Enrollment is counted, no table is printed. Plan F is not sold to anyone new to Medicare on or after January 1, 2020, and the filings only price it from 72 up.
- The one thing no Plan G covers. The $283 Part B deductible. Plan N leaves it too.
Michigan Medigap Questions, From the Phone
Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in New Jersey and 34 other states, Michigan among them. Rates on this page are CSG Actuarial rate filings pulled September 10, 2026, ZIP 48111 in Wayne County, female, non-tobacco, individual, no household discount; they are a sample, not a quote. Enrollment counts are NAIC Medicare Supplement Experience Exhibit via AHIP May 2025 report, as of December 2023, statewide by plan letter. Broker compensation comes from the carrier and does not change the premium.
Related: What Medicare costs in Michigan · Michigan rate index by county · Michigan pricing at 65, 70, 75 and 80 · 2026 Medigap rate increases by state · Medicare Supplement hub · Medicare broker · Compare policies · Switch carriers · How to enroll · Get a quote
Filed-rate hubs for other states: New Jersey · Pennsylvania · Ohio · Texas
Put a Michigan quote next to all 28 filings
Call with a ZIP, a birth month, and the current premium if there is one. I read the home county's list in price order, from $113.48 up, and put each carrier's 2026 filing beside its rate.
Compare Your Michigan Rate — 855-559-1700