Ohio Medigap Rate Index 2026

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Ohio filed-rate data as of 2026-07-12, CSG Actuarial · Sample ZIP 44101, Cleveland

Plan G costs a 65-year-old in Cleveland $118.17 to $342.84 a month, filed rates across 32 Ohio carriers (CSG Actuarial, 2026-07-12). That is a $224.67 monthly gap for the same policy. No other state we publish has a wider Plan G spread. None has more carriers filing, either. Plan N runs $102.31 to $277.27 across 31 carriers. Over 20 years the Plan G gap alone is about $53,921, before a single rate increase.

Carriers pay the broker; the price you pay is the same either way. We read all 32 filed Ohio carriers, not a shortlist.

Plan G Filed Rates in Ohio by Age

Sample: ZIP 44101 (Cleveland), female, non-tobacco, no household discount. Ohio carriers price by rating area, so a Columbus or Cincinnati ZIP can land above or below these Cleveland numbers. Ohio does not require one pricing method; most Ohio carriers use attained-age rating, and most file separate tobacco rates.

The top of the Ohio market moves faster than the bottom. The most expensive filed Plan G goes from $342.84 at 65 to $357.31 at 69. The cheapest goes from $118.17 to $124.08. So the spread widens with age: $224.67 at 65, $233.23 at 69.

Plan N Filed Rates in Ohio by Age

Same Cleveland profile. Plan N adds small office and emergency-room copays and leaves Part B excess charges uncovered; that is the whole difference from Plan G.

The cheapest Ohio Plan N at 65 is $102.31, which is $15.86 a month under the cheapest Plan G. Neither plan pays the Part B deductible ($283 in 2026).

Household Discounts: Only 4 Ohio Carriers File One

4 of the 32 Ohio Plan G carriers file a household discount, worth 10% to 12.2% off. With it, the lowest filed Plan G at 65 is $117.08. Callers ask “for both of us together?” In Ohio the honest answer is: not much, because the discount is thin and most carriers skip it. We still quote a couple both ways, since it can reorder the carriers in the middle of the list.

Tobacco Rating in Ohio

37 of the 42 Ohio carriers that quoted this profile charge tobacco users more. The surcharge runs 7.5% to 421.4% and averages 46.6%. That average is the highest of any state in this index. A smoker who shops from the non-tobacco tables above is reading the wrong table. We run tobacco quotes on the first call.

6 Ohio Carriers We Have Reviewed, Ranked by Filed Plan G

Filed Plan G at 65, rank among 32 Ohio carriers, and the latest Ohio filing, from our published carrier reviews. The Ohio market median is $179.81.

Bankers Fidelity is the cheapest of the 6 at $135.52, rank 3 of 32. Mutual of Omaha is the dearest at $204.05, 73% above the cheapest Ohio Plan G for identical coverage. The largest recent Ohio filing in this group is Mutual of Omaha at +30%, effective April 2025.

Mutual of Omaha's Ohio block filed +30% (April 2025) and +25% (May 2026), back to back. In 2023, Mutual of Omaha paid out 194% of its Ohio premium in claims, which is where filings like that come from. Rank is a snapshot. A carrier that is sixth-cheapest in Ohio today can be fifteenth after one filing, so ask for the history before you take the lowest number.

Where Ohio's Cheapest Plan G Sits Among 5 States

Each state is one flagship-metro ZIP, ranked by the cheapest filed Plan G at 65. Ohio is the green row.

Ohio ranks 2 of 5 on entry price. Its top end, $342.84, is the highest filed Plan G in any of these states. An Ohio shopper who takes the first quote has more to lose than a shopper anywhere else in this table. Massachusetts, Minnesota, and Wisconsin sell their own Medigap designs, so they are left out.

Methodology

• Every rate is a carrier filed rate pulled from CSG Actuarial on 2026-07-12. None is a marketing quote.
• Profile: female, non-tobacco, ZIP 44101 in Cleveland, ages 65, 67, and 69. Household discount off unless the section says otherwise.
• Spread means the monthly dollar distance between the lowest and highest filed rate for one plan letter at one age.
• Carrier counts are carriers that returned a filed quote for this profile. Ohio's count moves as carriers open and close blocks.
• Tobacco figures come from re-running the same profile on the tobacco tables.
• Named-carrier rows, filing history, and loss ratios come from our carrier reviews, dated 2026-07-15.
• Ohio rates vary by rating area. This page is one ZIP, not a statewide rate.

Reporters may cite these Ohio figures with attribution to MedicareYourself.com and a link here. For carrier-level detail, email anthony@easykindmedicare.com.