Tennessee Medigap Rate Index 2026: Plan G and N by County

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Tennessee filed-rate data pulled September 10, 2026, CSG Actuarial · Davidson County (ZIP 37221)

A 65-year-old in Davidson County pays $117.95 to $358.58 a month for Plan G across 29 Tennessee carriers (CSG Actuarial filings, pulled September 10, 2026). Outside Davidson County the floor drops. SilverScript (Aetna) files $117.95 in 16 of the 16 counties below. County to county, the cheapest Plan G moves $0.00. Carrier to carrier inside Davidson County it moves $240.63. Plan N starts at $86.30 here, from TRH Health (Tennessee Farm Bureau). That one takes a Farm Bureau membership to buy.

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

Plan G in Tennessee at 65, 70, 75 and 80

Female, non-tobacco, individual, no household discount, cheapest rate class per carrier. Cheapest filed is the lowest rate in any of Tennessee's 95 counties. The Davidson County column is ZIP 37221. Spread is highest minus cheapest, statewide. Carriers counts every company filing that plan and age statewide. At 65, 29 of them quote Davidson County.

The cheapest Plan G climbs from $117.95 at 65 to $170.69 at 80. That is $52.74 over 15 birthdays. Block filings land on top of it. In Davidson County the floor moves $117.95 to $170.69, a $52.74 step. Add the $202.90 Part B premium, $2,435 a year, to every number here.

Guarantee Trust Life sets the top row at every age here. $358.58 at 65, $566.82 at 80. That is one carrier's block, not a market price. It moves as blocks open and close. 27 of the 29 Davidson County carriers price on attained age. The birthday step and the block filing stack. The other 2 are community rated: AARP / UnitedHealthcare.

Plan N in Tennessee by Age

Same profile. Plan N adds copays. Up to $20 at some office visits. Up to $50 at an ER visit that does not end in admission. It leaves Part B excess charges uncovered. Plan G covers those.

SilverScript (Aetna) files both plans in Davidson County. Plan G is $117.95, Plan N is $88.38. That is $29.57 a month, about $355 a year, for the copays. Do not read the two floor rows as a pair. SilverScript (Aetna) holds the Plan G floor. TRH Health (Tennessee Farm Bureau) holds the Plan N floor, and it sells only to Farm Bureau members. The cheapest Plan N statewide runs $86.30 at 65 and $135.20 at 80. Neither plan pays the 2026 Part B deductible of $283.

All 29 Plan G Carriers in Davidson County at 65

ZIP 37221, female, non-tobacco, no household discount, sorted cheapest first. Some carriers file more than one rate class. The cheapest is shown, the dearest noted beside it. Underwriting decides which class you get. Plan N is that same carrier's filed Plan N at 65, where it sells one.

SilverScript (Aetna) leads at $117.95. Guarantee Trust Life is the last row at $358.58. Same Plan G, 204% above the first row. Over 20 years that gap is $57,751, before a single filing.

25 of the 29 rows carry a 2026 effective date. The newest took effect September 1, 2026.

Cheapest Plan G at 65 in 16 Tennessee Counties

Tennessee has 95 counties in 32 rating areas. The largest area covers 7 counties, Dickson County among them. Each county below was priced through one sample ZIP in its rating area. That ZIP can sit across the county line. 4 of the ZIPs below serve more than one county in this table. Carriers file one rate for the whole area either way. Median and highest are that county's Plan G at 65.

Anderson County holds the statewide floor at $117.95, from SilverScript (Aetna). Wilson County has the highest county floor. That is $117.95, from SilverScript (Aetna). The county-low spread runs $0.00 at 65 and $0.00 at 70. At 75 it is $0.00. At 80, $0.00.

Over 20 years the county gap at 65 is $0. The carrier gap inside Davidson County is $57,751. In Tennessee the carrier decides the bill. The county line barely moves it.

2026 Tennessee Medigap Rate Filings

CSG Actuarial's filing records from January 2026 through September 2026 list 24 Tennessee filings. The effective dates run January 1, 2026 to September 1, 2026. 6 of the 24 raised Plan G by 25% or more. The largest is AARP / UnitedHealthcare, +40.0%, effective June 1, 2026.

The 25%-and-up group, largest first:

• AARP / UnitedHealthcare, +40.0%, effective June 1, 2026.
• WoodmenLife, +30.0%, effective January 15, 2026.
• Omaha Supplemental (Mutual of Omaha), +30.0%, effective May 1, 2026.
• Humana Insurance Company, +30.0%, effective August 1, 2026.
• Humana Insurance Company, +29.9%, effective May 1, 2026.
• TRH Health (Tennessee Farm Bureau), +27.0%, effective June 1, 2026.

A row is the carrier's filing on its whole Tennessee block. It is not one person's renewal notice. The effective date can trail the report month.

On an attained-age block the filing lands on top of the age step. The cheapest Plan G at 70 is already $125.03, against $117.95 at 65. That is before a +40.0% filing touches it. Every state we publish sits on one page at 2026 Medigap rate increases by state.

Household Discounts: 7 of 29 Davidson County Carriers

7 of the 29 Davidson County Plan G carriers file a household discount. The range is 11.1% (Physicians Mutual) to 20% (HealthSpring Insurance (Cigna)). 22 file none: SilverScript (Aetna), LifeShield National, TRH Health (Tennessee Farm Bureau), Nassau Life Insurance Company, Washington National, Insurance Company of North America (Chubb), GPM Health and Life, Aflac (Tier One Insurance), WPS Health Solutions, American Benefit Life, Globe Life and Accident, State Farm, BlueCross BlueShield of Tennessee, Omaha Supplemental (Mutual of Omaha), Plateau Insurance, Aetna (Continental Life), USAA Life, Erie Family Life, WoodmenLife, United American, Bankers Fidelity Assurance, Guarantee Trust Life. At 20% off, HealthSpring Insurance (Cigna)'s $153.88 becomes about $123.10. That moves it up the table. Who counts as a household differs by carrier. Spouse only at some, any adult in the home at others. So a couple gets quoted both ways on the first call.

Where Tennessee Sits Among 21 States

One flagship county per state, same profile, ranked by the cheapest filed Plan G at 65. Tennessee is the green row. Among the 21 states in this dataset it ranks 6th on the Davidson County floor of $117.95. On the statewide floor of $117.95 it ranks 9th.

Highest is the priciest carrier's cheapest rate class in that flagship county. One closed block can push a state's top end far above its median. Massachusetts, Minnesota and Wisconsin use their own Medigap plan designs. They are not in the file.

Who Holds a Medigap Policy in Tennessee

308,365 Tennesseans held a Medicare Supplement policy as of December 2023. That count is the NAIC Medicare Supplement Experience Exhibit, via the AHIP May 2025 report. Plan G covered 142,900 of them, 46%. Plan F covered 125,018 and Plan N 20,123. That is about 7 Plan G policies for every Plan N. These are statewide counts by plan letter, not by carrier or county. Plan F closed to anyone new to Medicare on January 1, 2020. This page has no Plan F table. The filings still carry Plan F rates for people eligible before then.

Methodology

• Source: CSG Actuarial rate filings, pulled September 10, 2026. Each number is a filed rate, not a carrier's marketing quote.
• Profile: female, non-tobacco, individual, no household discount applied. Male, tobacco and discounted rates differ from these.
• Each county was quoted through a sample ZIP for its rating area. That ZIP is not always inside the county line. Davidson County uses ZIP 37221. Two counties in one rating area can share a quoted ZIP; 4 of the ZIPs above do.
• Spread is the dollar distance between two filed rates at one age and one plan letter. Cheapest to dearest carrier statewide, or cheapest county floor to highest county floor.
• Carrier counts move. 29 carriers quoted Plan G at 65 in Davidson County on September 10, 2026, and 29 in Anderson County. A block can open or close between pulls.
• Tennessee rates vary by rating area, 32 of them. One county's table is a map of the market, not your quote.
• Plan F rows exist only at 72 and older. Plan F closed to anyone new to Medicare on January 1, 2020. So there is no Plan F table here.
• Rate-change rows are CSG Actuarial's filing records, January 2026 through September 2026. An effective date can fall after the report month.

Cite these Tennessee figures with attribution to MedicareYourself.com and a link to this page. For carrier-level detail, email anthony@easykindmedicare.com.