Pennsylvania Medigap Rate Index 2026

By Anthony Orner, Independent Licensed Medicare Insurance Broker (compares multiple carriers) · Filed-rate data as of 2026-10-01 · Source: CSG Actuarial

A 65-year-old in Pennsylvania can pay anywhere from $177.02 to $295.51 per month for Medicare Supplement Plan G — a $118.49/month spread across 26 carriers for federally identical benefits. Plan N runs $118.74 to $228.18 across 27 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 (PA)

Sample: ZIP 19103 (Philadelphia), female, non-tobacco, no household discount. Pennsylvania does not mandate a single pricing method — most PA carriers use attained-age rating (premiums rise as you age), while a minority are issue-age or community-rated. The age differences above reflect each carrier's filed age curve.

Plan N Filed Rates by Age (PA)

Same sample profile as Plan G above.

Household Discounts in PA

Only 6 of 26 PA Plan G carriers offer a household discount, worth 11.6%–20% off the monthly premium. With the discount applied, filed Plan G rates start at $122.39. If you and your spouse are both enrolling, the discount can change which carrier is actually cheapest.

Named-Carrier Examples (Plan G, age 65)

From our published carrier reviews (July 2026 CSG dataset): Medico (Wellabe) files $176.21 (rank 7 of 28, after an +18.59% filing effective September 2025), Humana files $177.02 (rank 8, after back-to-back filings of +7.42% and +19.53%), WoodmenLife files $194.50 (rank 13, after three filings in 23 months totaling roughly 36% compounded), Bankers Fidelity files $195.91 (rank 14, with an unusually gentle history — about 11% cumulative over five years, including a 0% filing for November 2025), and Mutual of Omaha files $248.26 (rank 26 of 28, after five consecutive annual increases ending at +19% effective May 2026).

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.

Pennsylvania Rate Filings in the 2026 Reports

Pennsylvania carriers filed 20 rate changes that show up in CSG Actuarial's filing records from 2026-01 through 2026-09. Biggest Plan G move: AARP / UnitedHealthcare, +25.0% effective 2026-06-01. A filing raises the price of an existing block; it does not, by itself, change where a carrier sits in the table above for a new applicant. Bring your renewal letter and we read the row for you.

From CSG Actuarial's MedSupp Rate Change Reports (December 2025 to June 2026 issues). A Blue plan can appear under a regional entity name. Every state's rows are on the 2026 rate increases page.

How PA 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. Pennsylvania is highlighted.

Entry price is only half the story: most PA Medigap carriers use attained-age rating, so the premium climbs as you age on top of general rate increases. Unlike New Jersey — which bars tobacco rate differentials during the Medigap Open Enrollment Period — nearly all PA carriers also file separate tobacco rates, so the carrier ranking shifts for tobacco users. Massachusetts, Minnesota, and Wisconsin standardize Medigap differently and are not included.

Methodology

• Rates are carrier filed rates from CSG Actuarial as of 2026-10-01, not marketing quotes.
• Sample profile: female, non-tobacco, ZIP 19103 (Philadelphia); 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.