South Carolina Medigap Rates 2026: Plan G and N by Carrier

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

Published October 17, 2026 · Filed rates pulled September 11, 2026 · Source: CSG Actuarial · Profile: female, non-tobacco, individual, no household discount

Bankers Fidelity Assurance files the cheapest Plan G at 65 in South Carolina: $114.30 a month in Greenville County, for a woman who does not use tobacco (CSG Actuarial filings, pulled September 11, 2026). Its Plan G filings since January 2024 stack to about +15%, the second-lowest of the 17 carriers we can compare. The other 24 carriers file up to $249.23 (GPM Health and Life), and the statewide median is $164.98, the second-lowest of the 28 states in our file. Plan N starts at $83.39, from the same company.

This page is the reference sheet. It lists every carrier at 65 with its last three Plan G filings. It prices both letters at four ages. It covers 13 key counties and the 23 filings in the 2026 records. One profile runs through all of it.

I'm paid by the carrier you choose. Your premium is the filed rate either way.

South Carolina Plan G by Age: Floor, Middle and Top

CSG Actuarial filings pulled September 11, 2026, Greenville County at ZIP 29690, each carrier's lowest filed class. The middle filing is the median of the Greenville County table. The last column is the cheapest Plan G anywhere in South Carolina at that age.

Each row is a new buyer's price at that age. Of the 25 carriers, 23 price on attained age and two are tagged community rated. None uses issue age. So at the attained-age carriers, the older rows also preview where a premium bought at 65 is heading, before any filing. Bankers Fidelity Assurance runs $114.30 at 65 and $174.35 at 80 on today's table. Each carrier's own curve is on the South Carolina pricing-by-age page.

South Carolina Plan N by Age

Same county and profile. Plan N adds copays of up to $20 at some office visits and up to $50 at an ER visit that does not end in admission, and it leaves Part B excess charges unpaid.

The $83.39 Greenville County floor is the cheapest flagship-county Plan N among the 28 state files we hold. The middle Greenville County Plan N filing is $112.34. Neither letter pays the $283 Part B deductible. The carrier-by-carrier gap between the two letters is on the Plan G vs Plan N page.

All 25 Carriers in Greenville County at 65, With Recent Filings

Cheapest Plan G first. The Plan N column is the same company's age-65 line. Filings read oldest to newest, and a 0.00% entry is a filing that left the rate alone.

* More than one class is filed; the table shows the cheapest. Dearest class at 65: Bankers Fidelity Assurance $137.16, Medico Insurance Company $173.93, Washington National $181.69, Blue Cross Blue Shield $163.75, AARP / UnitedHealthcare (NAIC 79413) $520.86, AARP / UnitedHealthcare (NAIC 84549) $614.89, HealthSpring National Health (HCSC) $275.15. A dash under AM Best means the file carries no letter grade for Plateau Insurance. Source: CSG Actuarial filings, pulled September 11, 2026, ZIP 29690.

Blue Cross Blue Shield also files guarantee-issue classes in South Carolina, and those are not in this table. Our converter drops guaranteed-issue classes on the rule that they apply only to someone holding a guaranteed-issue right, so the line shown is the cheapest class left in the file. Bundled Plan G variants from Physicians Mutual are left out as well, since they cover more than standard Plan G.

Filings stack. Of the 25 carriers, 18 have a Plan G filing on record in each of 2024, 2025 and 2026. A 0.00% filing counts there; it left the rate alone. For the 17 of them compared below, those three years multiply out to between about +13% (State Farm) and about +66% (Aetna Health Insurance). Bankers Fidelity Assurance, the cheapest at 65, comes to about +15%, the second-lowest of the 17. That is arithmetic on filed percentages, not anyone's bill. On an attained-age policy the birthday steps come on top. Humana Insurance Company (NAIC 73288) sits out of that comparison: a filing in its recent history fails our check for restatements, so it shows in the table and carries no ranking.

The ends of the table are $134.93 a month apart for one federal benefit. A year of that gap is $1,619 at age-65 rates. The other 23 carriers sit between the two.

South Carolina Key Counties: Floor, Middle and Top at 65

Each county below was quoted through its own sample ZIP. For each: the cheapest Plan G, the county's middle filing, its dearest filing and the cheapest Plan N.

Same profile as above, pulled September 11, 2026. Horry County, Spartanburg County and Laurens County are held out: the pull quoted them through a ZIP in another county, so no rate is shown under their name.

These 13 counties land on two floor prices: $114.30 in Greenville, Richland, Lexington, York, Anderson, Sumter and Pickens; $124.59 in Charleston, Beaufort, Berkeley, Dorchester, Florence and Aiken. The middle of each table moves more than the floor does. County medians run from $153.80 in Greenville to $169.32 in Berkeley, a $15.52 spread against $10.29 between floors. On the $124.59 line the cheapest Plan N comes from Washington National instead. Across all 46 counties the dearest county floor is $124.59, the rate in Charleston County.

2026 Plan G Filings in South Carolina, With the Plan N Line

The CSG Actuarial records (December 2025 through September 2026) hold 23 filings from carriers in our quote table. Of those, 16 took Plan G up 15% or more. The largest single filing: AARP / UnitedHealthcare (NAIC 84549), +20.44% effective June 1, 2026. Not one of them lowered a rate.

Source: CSG Actuarial licensed API (rate_increases on each quote). Each row changes the carrier's whole South Carolina block; it is not one person's renewal letter. The Plan N column reads the same company's Plan N history on the same effective date, and a dash means none was recorded.

Of the 23 filings, 6 moved Plan N by a different percentage than Plan G. The widest splits: Washington National +20.00% on G against 0.00% on N, Guarantee Trust Life +7.90% on G against 0.00% on N and United American +14.77% on G against +19.93% on N. When the two percentages differ, the dollar gap between the letters changes with them. Every state's list is on the 2026 Medigap rate increases page.

Where South Carolina Sits Among 28 States

One row per state file, sorted by the cheapest Plan G at 65 in its flagship county. The median is statewide. The last column counts the carriers there that price on issue age.

South Carolina ranks 3 of 28 on the floor and 2 of 28 on the statewide median. Virginia ($109.75) and Michigan ($113.48) start lower. Only Virginia has a cheaper middle. Next door, North Carolina's Mecklenburg floor is $114.97 and Georgia's Fulton floor is $144.62. Of the 28 files, 10 carry no issue-age carrier at all, South Carolina among them.

How This Index Was Built

• Source: CSG Actuarial licensed API, pulled September 11, 2026. Every rate renders from the South Carolina file at build time; none is typed.
• Profile: female, non-tobacco, individual, no household discount. A man, a smoker or a couple gets other numbers.
• Geography: 46 counties grouped into 42 rating areas, one sample ZIP each. Greenville County (ZIP 29690) is the flagship. Horry, Spartanburg and Laurens stay out of the county table until the pull quotes their own ZIPs.
• Excluded classes: direct-to-consumer, guaranteed-issue and bundled Plan G variants, plus any row above four times the statewide median. That is why Blue Cross Blue Shield shows only its non-guarantee-issue classes.
• Filing stacks multiply each filed percentage since January 2024, only for carriers with a filing on record in every one of those years; a 0.00% filing counts. A history holding a filing our restatement check flags is left out of any ranking but stays in the table.
• State rule: the NAIC's state Medigap rules chart (as of May 11, 2026) shows no birthday rule for South Carolina, so a switch after open enrollment means health questions unless a guaranteed-issue right applies.
• Cross-state ranks compare the 28 state files on the same profile; the median is statewide, the floor is the flagship county.
• Plan F is closed to anyone new to Medicare since January 1, 2020, so neither table prices it. Plan G leaves the $283 Part B deductible with you.