South Carolina Medicare Costs 2026: Part B Plus Plan G

By Anthony Orner, Independent Licensed Medicare Insurance Broker · South Carolina filings pulled September 11, 2026, CSG Actuarial · Greenville County (ZIP 29690)

$1.98 separates the two cheapest Plan G filings in Greenville County: Bankers Fidelity Assurance at $114.30 and Nassau Life Insurance Company at $116.28 (CSG Actuarial filings, pulled September 11, 2026). Add the $202.90 Part B premium and a 65-year-old's bill is $317.20 to $452.13 a month across the 25 carriers, the top being GPM Health and Life at $249.23.

Every Plan G pays the same claims under federal law, which makes the $134.93 monthly spread pure price: $1,619 a year, $32,383 over twenty years with no increase. 2 of the 25 carriers file under $125 here, and 16 carriers filed 15% or more on Plan G this year, so a two-dollar race at the bottom is settled by who files what next, not by the sticker.

Broker pay comes from the carrier. The filed premium is yours with or without us.

Cheapest and Dearest Greenville County Bill at 65

Both policies pay the $1,736 Part A deductible each benefit period, and both wait for you to pay the $283 Part B deductible before covering the rest of what Medicare approves. The Medicare side never changes. The carrier side is the choice.

The median Greenville County filing is WoodmenLife at $153.80, and the statewide median Plan G is $164.98. Greenville County's $114.30 ranks 3 of 28 among the flagship counties we publish. Part D is left out of these totals because it depends on the drug list.

Does the Two-Dollar Race Hold at 70 and 75?

Bankers Fidelity Assurance files $114.30 at 65, $121.51 at 70 and $144.47 at 75; Nassau Life Insurance Company files $116.28, $122.28 and $149.07 at the same ages. The leader keeps the bottom line at 75. The age-75 bill with Part B runs $347.37 to $531.93.

CSG Actuarial filings pulled September 11, 2026, ZIP 29690 in Greenville County, female, non-tobacco, individual, no household discount. Other profiles and other rating areas return other numbers.

42 Rating Areas, $10.29 of Difference

South Carolina carriers file 42 rating areas for 46 counties, yet the cheapest-carrier line moves only $10.29 across them: $114.30 in Abbeville County and 8 other key counties, $124.59 in Williamsburg County. Over a year the address is worth $123, a smaller spread than most states in our file. Aiken County carries the highest county low in the table, $124.59. The lowest South Carolina bill with Part B included is $317.20.

Quoted at the ZIP with the largest land share of each county; profile as above.

Plan N at $83.39

Bankers Fidelity Assurance files Plan N at $83.39 in Greenville County, $30.91 under its own Plan G and $371 a year. Statewide the Plan N floor is $83.39 in Abbeville County, 2-lowest of the 28 states in our file. The trade is up to $20 at some office visits, up to $50 at an ER that discharges you, and Part B excess charges, which South Carolina permits and Plan G pays. 24 carriers file Plan N here, $83.39 to $244.00, which is $286.29 to $446.90 with Part B.

Same ZIP and profile as the Plan G rows.

A Household Discount Can Decide the Race

6 of the 25 South Carolina carriers file a household discount, from 5% to 20%. Bankers Fidelity Assurance files none. Nassau Life Insurance Company files none either. The largest discount is HealthSpring National Health (HCSC) at 20%, $183.44 to $146.75. Net of every discount, the lowest line is Humana Insurance Company at $129.95.

The remaining 19 carriers file no discount. Each defines a household in its own wording, and some require both spouses to buy from them, so we quote a couple both ways before naming a winner.

16 South Carolina Filings of 15% or More

CSG Actuarial's South Carolina records, December 2025 through September 2026, hold 23 filings. 16 of the 23 Plan G entries are 15% or more, and 9 of them landed at almost exactly 20%. The largest is AARP / UnitedHealthcare at +20.4%, effective June 1, 2026. 23 rows match a carrier in the Greenville County table; names that matched nothing carry no paired rate.

CSG Actuarial MedSupp filing records, December 2025 to September 2026. Effective dates can trail the report month. Each row is a change to the carrier's whole South Carolina block.

When two carriers are $1.98 apart, the one that files 20% next spring is the expensive one. Read the age table and this one together. Every state's list is at 2026 Medigap rate increases.

Rating Method, Latest Filings, and Enrollment

23 of the 25 Greenville County carriers price on attained age, 2 on a community basis. AARP / UnitedHealthcare ($164.98) and AARP / UnitedHealthcare ($171.46) are community-rated, so age does not touch the price. The highest Plan G filed anywhere in South Carolina is $269.17, from GPM Health and Life.

23 of the 25 carriers carry a 2026 effective date on their Greenville County rate; the newest is American Benefit Life, September 1, 2026. The NAIC counted 275,034 South Carolina Medigap policies as of December 2023: Plan G 118,873, Plan F 114,254, Plan N 23,382. Plan F closed to anyone newly eligible on January 1, 2020; no Plan F table appears here.

Methodology

• Premiums are carrier filings pulled from CSG Actuarial on September 11, 2026 and rendered from the South Carolina data file. Nothing is typed by hand.
• Profile: female, non-tobacco, individual, no household discount; discounted lines apply the filed percentage.
• Greenville County (ZIP 29690) is the flagship county. Key counties are quoted at the ZIP with the largest land overlap; Abbeville County represents the 3-county rating area.
• Spread is the highest filing minus the lowest for one plan letter, age and county. Twenty-year figures multiply the monthly spread by 240 with no filings assumed.
• Cross-state Plan N claims compare statewide floors from the same licensed file.
• Carrier counts are whoever returned a filed quote on the pull date. Direct-to-consumer and guaranteed-issue rate classes are excluded.
• The Part B premium and both deductibles are 2026 CMS figures from one file. Plan G does not pay the Part B deductible.
• Enrollment is statewide by plan letter as of December 2023, from the NAIC Medicare Supplement Experience Exhibit via AHIP May 2025 report.
• Filing rows are CSG Actuarial records for December 2025 to September 2026; "No" rows matched no quote-table carrier and carry no rate.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in South Carolina and 34 other states. MedicareYourself (EasyKind Medicare) is an independent brokerage unaffiliated with Medicare, CMS or any carrier. The carrier pays the broker; the filed premium does not change.