North Carolina Medigap Rate Index 2026

By Anthony Orner, Independent Licensed Medicare Insurance Broker (compares multiple carriers) · Filed-rate data as of 2026-07-12 · Source: CSG Actuarial

A 65-year-old in North Carolina can pay anywhere from $101.84 to $315.20 per month for Medicare Supplement Plan G — a $213.36/month spread across 29 carriers for federally identical benefits. Plan N runs $78.54 to $262.00 across 27 carriers. North Carolina is one of the most crowded Medigap markets we track, and a crowded market is precisely where the gap between the cheapest and most expensive filing gets widest.

Plan G Filed Rates by Age (NC)

Sample: ZIP 28202 (Charlotte), female, non-tobacco, no household discount. North Carolina does not mandate a single pricing method, and most NC carriers use attained-age rating, so premiums rise as you age on top of general rate increases. The age differences above reflect each carrier's filed age curve.

Plan N Filed Rates by Age (NC)

Same sample profile as Plan G above.

Household Discounts in NC

Only 6 of 29 NC Plan G carriers offer a household discount, worth 11.1%–20% off the monthly premium. With the discount applied, filed Plan G rates start at $97.09. If you and your spouse are both enrolling, the discount can change which carrier is actually cheapest.

Tobacco Surcharges in NC — No Open-Enrollment Protection

This is where North Carolina differs sharply from New Jersey. NJ bars carriers from charging tobacco users more during the six-month Medigap Open Enrollment Period. North Carolina has no equivalent protection, and 38 NC carriers file separate tobacco rates for Plan G. The surcharge averages 31.6% and ranges from 10% to 221%. A tobacco user shopping on the non-tobacco rankings above will get a different — and sometimes completely reordered — answer, which is why the cheapest carrier for a non-smoker is frequently not the cheapest carrier for a smoker.

Named-Carrier Examples (Plan G, age 65)

From our published carrier reviews (July 2026 CSG dataset), against an NC market median of $156.00: Bankers Fidelity files $101.84 — rank 1 of 29, roughly 35% below the state median, on the strength of a single +4.9% filing effective August 2025; Medico (Wellabe) files $128.01 (rank 5, after filings of +4% and +18.59% in September 2025); WoodmenLife files $152.66 (rank 13, after four filings since May 2024 of +9.01%, 0%, +18% and +15%); and Mutual of Omaha files $184.64 (rank 25 of 29, after four consecutive increases ending at +20% effective May 2026).

Rank-1 pricing usually reflects a younger book of business, and young books eventually age into rate increases — which is the argument for locking in coverage during a window when carriers cannot decline you, not for chasing whichever carrier is cheapest this month. The cheapest and most expensive carriers change as filings land. For the current cheapest carrier at your exact ZIP and age, call us — we quote every filed carrier, not a marketing shortlist.

How NC Compares: Lowest Filed Plan G Rate by State (age 65)

Sorted by each state's cheapest filed Plan G rate, one flagship-metro ZIP per state. North Carolina is highlighted.

Entry price is only half the story. A low starting rate from an attained-age carrier can overtake a higher issue-age filing within a few years, and North Carolina's tobacco surcharges reorder the rankings again for smokers. Massachusetts, Minnesota, and Wisconsin standardize Medigap differently and are not included.

Methodology

• Rates are carrier filed rates from CSG Actuarial as of 2026-07-12, not marketing quotes.
• Sample profile: female, non-tobacco, ZIP 28202 (Charlotte); ages as labeled; household discount excluded except where noted.
• “Spread” is the monthly dollar gap between the cheapest and most expensive filed rate for identical, federally standardized benefits.
• Carrier counts reflect carriers returning a filed quote for this profile; carriers can enter or exit between snapshots.
• Carrier-level figures and filing histories come from our published carrier reviews, dated July 2026.
• The index is refreshed when new filings meaningfully change the data; the as-of date above always reflects the underlying snapshot.

Journalists and researchers: this data may be cited with attribution to MedicareYourself.com and a link to this page. For carrier-level detail or other states, contact anthony@easykindmedicare.com.