Ohio 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 Ohio can pay anywhere from $118.17 to $342.84 per month for Medicare Supplement Plan G — a $224.67/month spread across 32 carriers for federally identical benefits. That is the widest Plan G spread of any state we track, in the deepest carrier market we track. Plan N runs $102.31 to $277.27 across 31 carriers. This index publishes the actual filed-rate data so you can see the market before any carrier's marketing does.

Plan G Filed Rates by Age (Ohio)

Sample: ZIP 44101 (Cleveland), female, non-tobacco, no household discount. Ohio does not mandate a single pricing method — most Ohio carriers use attained-age rating (premiums rise as you age), and unlike New Jersey's Open Enrollment window, most Ohio carriers also file separate tobacco rates. Rates can differ by rating area within Ohio, so your ZIP may vary from this Cleveland sample.

Plan N Filed Rates by Age (Ohio)

Same sample profile as Plan G above.

Household Discounts in Ohio

Only 4 of 32 Ohio Plan G carriers offer a household discount, worth 10%–12.2% off the monthly premium. With the discount applied, filed Plan G rates start at $117.08. If you and your spouse are both enrolling, the discount can change which carrier is actually cheapest.

Named-Carrier Filed Rates (Plan G, age 65)

From our published carrier reviews — filed rate, market rank among 32 Ohio carriers, and each carrier's most recent Ohio rate filing:

The cheapest and most expensive carriers change as filings land — Mutual of Omaha's Ohio block, for example, filed +30% and then +25% in consecutive years. For the current cheapest carrier at your exact ZIP and age, call us — we quote every filed carrier, not a marketing shortlist.

How Ohio 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. Ohio is highlighted.

Ohio has the cheapest filed Plan G entry price of any state we track — and also the widest spread, which means an Ohio retiree who takes the first quote they're shown has more to lose than anyone else in this dataset. Most Ohio Medigap carriers use attained-age rating, so the premium climbs as you age on top of general rate increases. 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 44101 (Cleveland); 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.
• 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.