How much does Medicare Supplement Plan G cost in Texas?

$129.92 to $284.86 a month at 65 in Houston, across 24 carriers (CSG Actuarial filed rates, 2026-07-12). The $129.92 floor belongs to Bankers Fidelity. Texas carriers price by rating area, so Dallas, San Antonio, and El Paso return their own numbers. The coverage behind every one of them is identical.

Is Bankers Fidelity really the cheapest Medigap carrier in Texas?

In the 2026-07-12 CSG snapshot, yes. Its $129.92 Plan G filing at 65 in Houston is the lowest of 24. Its one Texas filing on record is +4.9% (August 2025). Cheapest today and cheapest in five years are different questions, which is why we show the filing next to the rate. Ask for both before you sign.

What does WoodmenLife's 41.6% Texas rate increase mean for me?

If you are on WoodmenLife's Texas Plan G block, the +41.6% filing effective February 2026 landed on your premium. It is the largest single Plan G increase in any state we publish. If you are shopping, it is the reason to read a carrier's last two filings before taking its lowest quote. Mutual of Omaha's Texas block filed four increases in a row, the latest +25% effective July 2026. Bring the letter and we tell you where that carrier now ranks.

Do I have to answer health questions for Medigap in Texas?

Not inside your six-month open enrollment window, which starts the month you are 65 and enrolled in Part B; every Texas carrier must take you at its filed rate then. After that, unless a guaranteed-issue situation applies, the carrier underwrites. "Did you have to answer health questions for it?" is the question that decides whether a switch is easy. A decline from one carrier is not a decline from all 24.

Plan G or Plan N in Texas?

The cheapest Texas Plan N at 65 is $99.14, $30.78 a month under the cheapest Plan G. For that saving, Plan N adds copays of up to $20 at the office and up to $50 at the emergency room. Neither plan covers the $283 Part B deductible. Four office visits a year is $80 in copays; weigh that against the premium gap at your age.

Can I keep my doctors with a Texas Medigap plan?

Yes. Houston Methodist, MD Anderson, UT Southwestern in Dallas, and a rural hospital in West Texas all take a Plan G from any carrier. A supplement has no network; it pays behind Original Medicare wherever Medicare is accepted. The policy travels across state lines the same way, which matters for Texans who spend the summer somewhere cooler.

Does Texas charge smokers more for Medigap?

Most carriers do. In the 2026-07-12 snapshot, 31 of 32 Texas carriers quoting this profile applied a tobacco surcharge, averaging about 37.5%. If you use tobacco, the cheapest carrier for a non-smoker is probably not your cheapest carrier. Ask to be quoted on the tobacco tables from the start.

Is there a household discount on Texas Medigap plans?

4 of the 24 Texas Plan G carriers file one, worth 11.1% to 20% off the premium. The carrier that is cheapest for one person is not always cheapest for a couple, so ask for both quotes.

What free Medicare counseling does Texas offer?

HICAP, the Health Information, Counseling and Advocacy Program, through the local Area Agencies on Aging at 1-800-252-9240. It is free and sells nothing. The Texas Department of Insurance regulates the policies themselves. We add the part neither does: every filed rate from all 24 Texas carriers, read back in price order, and the enrollment.

Do Texas Medigap plans include drug coverage?

No. You pair the supplement with a stand-alone Part D plan. "Any other medications?" is the question we work through on the call, drug by drug, before picking that plan. We do it on the same call as the supplement, at 855-559-1700.

Best Medicare Supplement Plans in Texas (2026)

By Anthony Orner, Independent Licensed Medicare Insurance Broker. Licensed in New Jersey and 34 other states, including Texas.

5.0 · 142 Google reviews, all five stars

The cheapest Plan G filed in Houston costs $129.92 a month at 65 and the most expensive costs $284.86, across 24 carriers (CSG Actuarial filed rates, 2026-07-12). Same policy, same claims paid, at every one of them.

Bankers Fidelity holds the low end, with one Texas filing on record, +4.9% in August 2025. The high end tells the other Texas story: WoodmenLife filed +41.6% effective February 2026, the largest single Plan G increase in any state we publish. The $154.94 monthly gap between top and bottom is about $37,186 over 20 years, before a single filing lands. Texas carriers price by rating area, so this Houston sample will not match a Dallas, Austin, or El Paso ZIP.

Reviewed September 2026 · CSG Actuarial filed rates as of 2026-07-12 · Regulator: Texas Department of Insurance

The carrier you enroll with pays the broker. Your premium is the same either way.

Call for Texas Rates, Cheapest First — 855-559-1700

Texas quotes in price order

Call with your ZIP and date of birth. You hear every filed Texas carrier, cheapest first, and the last filing beside each one.

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The carrier pays us. Your rate does not change.

Houston Filed Rates at 65: Plan G and Plan N

CSG Actuarial, 2026-07-12. Profile: ZIP 77002, Houston, female, non-tobacco, no household discount. Another Texas rating area returns other numbers; take the shape of the market from this table, not your quote.

Plan	Lowest filed rate	Highest filed rate	Monthly spread	Carriers quoting
Plan GMost Popular	$129.92	$284.86	$154.94	24
Plan N	$99.14	$243.00	$143.86	23

By 69 the Texas floor is $132.52 and the ceiling is $296.90. More detail: Texas cost by age, Part B included · Texas rate index with named carriers

The Floor, the Ceiling, and the Regulator

The Floor: Bankers Fidelity

$129.92 a month for Plan G at 65 in Houston, the lowest of 24 Texas filings, with one filing on record, +4.9% in August 2025. Cheapest now and cheapest in five years are different questions. The rate index puts the filing next to the rate so you can judge both.

The Ceiling: Filing History

WoodmenLife filed +41.6% effective February 2026, the largest single Plan G increase in any state we publish. Mutual of Omaha's Texas block filed four increases in a row, the latest +25% effective July 2026. Everyone on those blocks got a letter. A quote is a snapshot; the filings are the trend.

TDI and HICAP

The Texas Department of Insurance (TDI) regulates every Medigap policy sold in the state. HICAP counsels for free at 1-800-252-9240 through the Area Agencies on Aging, and it sells nothing.

Lettered Plans Sold in Texas, and the Gaps They Leave

Every carrier files the same letters. The $283 Part B deductible stays with you on Plan G and Plan N alike; Plan N adds copays of up to $20 at the office and up to $50 at the emergency room.

Plan	What It Covers	Best For
Plan A	Basic benefits only	Very healthy, minimal use
Plan B	Basic + Part A deductible	Low hospital risk
Plan GMost Popular	Everything except Part B deductible	Most people — best value
Plan N	Plan G minus small copays	Healthy, want lower premiums
Plan K	50% cost-sharing up to out-of-pocket max	Younger, very healthy
Plan L	75% cost-sharing up to out-of-pocket max	Budget-conscious, healthy

Coverage chart from Medicare.gov. Plan F is sold only to people who were eligible for Medicare before January 1, 2020.

Texas Medigap at a Glance (2026)

Start with the question you have. Each page answers it from the 2026-07-12 CSG filings for Houston, ZIP 77002.

Cost

How much does Medicare cost in Texas?

Plan G and Plan N filed rates by age, then the $202.90 Part B premium added on, for the whole monthly figure.

Rate Data

Texas Medigap Rate Index

Lows, highs, and spreads by age, 4 carriers filing a household discount, and the named-carrier table with WoodmenLife's +41.6% next to Bankers Fidelity's +4.9%.

Get Help

Texas Medicare Broker

Every carrier at your ZIP in price order, by phone or video. The carrier pays the broker; your premium is the same.

Your Region

Medicare help where you live

DFW Metroplex · Greater Houston · Central Texas

Texas Medicare Figures for 2026

• Part B premium: the standard rate is $202.90 a month in 2026; it was $185.00 in 2025.
• Part B deductible: $283 for the year, and neither Plan G nor Plan N pays it.
• Part A deductible: $1,736 per benefit period; Plan G pays all of it.
• Texas carriers: 24 filed Plan G, bottom to top $129.92 to $284.86, a $154.94 gap. WoodmenLife +41.6% effective February 2026; Mutual of Omaha +25% effective July 2026.
• Open enrollment: your six-month Medigap window begins the month you are 65 and enrolled in Part B. Inside it every Texas carrier takes you at its filed rate, no health questions.

Texas Medicare Supplement FAQ

Texas Medigap Rates by ZIP, Live

Enter a Texas ZIP and a plan letter. The widget returns filed carrier rates for that rating area from CSG Actuarial, refreshed daily.

Compare Medicare Supplement Rates

Real carrier rates for your zip code — updated daily

HICAP, the Texas Health Information, Counseling and Advocacy Program, counsels at 1-800-252-9240 for free and sells nothing.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in New Jersey and 34 other states. Every rate above is a CSG Actuarial filed rate as of 2026-07-12 for ZIP 77002, female, non-tobacco, no household discount: a sample of the Texas market, not your quote. The carrier you enroll with pays us, and that payment is not added to your premium.

The other filed-rate hubs we publish: New Jersey · Pennsylvania · Ohio

Holding a Texas rate-increase letter?

Call with the letter. We show where that carrier now sits among the 24 Texas filings and what the floor is at your ZIP.

Compare Against the Texas Floor — 855-559-1700