2026 Medigap Rate Increases by State and Carrier

By Anthony Orner, Independent Licensed Medicare Insurance Broker · CSG Actuarial filing records, December 2025 to June 2026 · 372 carrier filings, 25 states

Medigap carriers filed 372 rate changes across 25 states in the 7 CSG Actuarial monthly rate-change reports from December 2025 through June 2026. The largest Plan G increase in the file is Highmark Blue Shield in Pennsylvania, +49.8% effective January 1, 2026. 64% of the 367 Plan G rows sit at or above 15%. The median Plan G change is 15.3%. Only 15 rows hold Plan G at 0%, and 4 carry a decrease on some plan letter.

This page is the whole file, state by state, carrier by carrier. It reads two ways. With a renewal letter in hand, find the carrier's row and compare the approved percentage with the letter. With a new policy on the table, find that block and see what it filed before signing.

Carriers pay the broker; the price you pay is the same either way.

The 2026 Filings in Numbers

One row is one carrier's approved change on one block of policies in one state. It is not one person's renewal, which can differ by age band, rating class and policy form.

AARP - UnitedHealthcare Insurance Company appears most often: 32 rows across 23 states, with Plan G changes from +8.0% in Colorado to +25.2% in Indiana. 342 of the 372 rows take effect on the first of a month. 13 rows are Medicare Select policies, marked SEL in the tables.

Where the Ten Largest Plan G Increases Landed

9 states appear in the top ten. Highmark Blue Shield's +49.8% in Pennsylvania was listed in the December 2025 report. It took effect January 1, 2026. Second is Erie Family Life Insurance Company in Ohio at +42.7%, effective March 1, 2026. The tenth row is still +30.6%. A 15% increase reads as steep on a renewal notice. It would not make this table.

States With Filed-Premium Pages on This Site

For these 10 states the site also publishes filed Plan G and Plan N premiums by county, from the same CSG Actuarial source. Ranked here by median Plan G change in the 2026 file.

Tennessee has the highest median Plan G change of the 10, 21.5% across 18 Plan G rows. New Jersey has the lowest at 9.5%. A carrier's approval in one state says nothing about its block in the next one. The state pages put the starting premium next to these filings. Both halves of the price sit on one screen.

What To Do When Your Carrier Raises Your Rate

Outside open enrollment, a switch means health questions

The six-month Medigap open enrollment window starts when a person is 65 or older and enrolled in Part B. Inside it, no carrier asks a health question. Outside it, the new carrier can underwrite unless a guaranteed-issue right applies. A rate increase is not one of the federal triggers. 64% of the Plan G rows here are 15% or higher. Not one of them opens a window on its own.

The rights I quote are federal

Callers ask whether their state adds a window after an increase. Some states do. This page does not list them, because a wrong state rule costs a caller a policy. I quote the federal rights, then check the state on the call.

Do not switch on price alone

The lowest starting premium is half the decision. What the block filed in the last two or three years is the other half. Highmark Blue Shield's Pennsylvania block filed +49.8% effective January 1, 2026. Erie Family Life Insurance Company's Ohio block filed +42.7% effective March 1, 2026. A quote sheet shows neither number. Plan G does not cover the $283 Part B deductible in 2026. Neither does Plan N. Moving between the two changes the premium and the copays, not that deductible.

Ask for the block's filing history

Before signing, ask the agent for the carrier's rate-change history on that policy form in that state. If it does not come, call me. I read it from the CSG file for every one of the 76 carriers below. Plan G and Plan N moved by the same percentage in 188 of the 354 rows that list both. Plan G moved more in 109. Plan N moved more in 57. The 15 rows at 0% and the 4 rows with a decrease matter as much as the 111 rows at 20% or higher.

How to Read the State Tables

Every table below is one state. There are 25. Column one is the carrier as the CSG report names it. Then the effective date. Then the Plan G, Plan N and Plan F change. The last column holds every other plan letter that carrier filed on. High-G and High-F are the high-deductible versions. SEL marks a Medicare Select policy. A carrier can show up twice on one date. That means two blocks, or a later report restating an earlier row. Plan F and Plan C rows reach only people eligible for Medicare before January 1, 2020. 4 rows carry a 2027 date, filed early.

Jump to a state: Alabama · Arizona · Arkansas · Colorado · Connecticut · Delaware · Florida · Georgia · Indiana · Kansas · Maine · Michigan · Mississippi · Montana · New Hampshire · New Jersey · North Carolina · Ohio · Pennsylvania · South Carolina · Tennessee · Texas · Virginia · West Virginia · Wyoming

Methodology

• Source: CSG Actuarial MedSupp Rate Change Reports, one per month, December 2025 through June 2026 (7 reports, 372 rows after parsing).
• A row is one carrier's approved rate change on one block of policies in one state. It is not the change on any one renewal notice, which can differ by age band, rating class and policy form.
• Effective dates come from the report. 317 of the 372 rows take effect in a month after the report that carried them. 4 start in 2027. 5 carry dates before December 2025.
• SEL marks a Medicare Select policy, a Medigap policy that ties some benefits to a hospital network in exchange for a lower premium. SUPP marks a standard Medigap policy. 13 rows are SEL.
• Plan letters follow the report's own columns. High-G and High-F are the high-deductible versions.
• Where a carrier filed on more than one block for the same date, or a later report restated a row, both rows are shown. Nothing was merged or averaged.
• Percentages are as filed. The median and the share at or above 15% are computed from the rows on this page.
• Massachusetts, Minnesota and Wisconsin standardize their own plan designs and are not in the reports.
• The filed premium tables on the 10 state pages linked above are a separate CSG pull. A row here is not paired with a premium there.

Reporters may cite these figures with attribution to MedicareYourself.com and a link here. For the underlying rows, email anthony@easykindmedicare.com.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in New Jersey and 34 other states. We do not sell in New York. MedicareYourself (EasyKind Medicare) is an independent brokerage, not affiliated with Medicare, CMS, or any carrier. The carrier you enroll with pays the broker; the premium you pay does not change.