Texas Medigap Rate Index 2026

By Anthony Orner, Independent Licensed Medicare Insurance Broker (compares multiple carriers) · Filed-rate data as of 2026-07-12 · Source: CSG Actuarial

A 65-year-old in Texas can pay anywhere from $129.92 to $284.86 per month for Medicare Supplement Plan G — a $154.94/month spread across 24 carriers for federally identical benefits. Plan N runs $99.14 to $243.00 across 23 carriers. This index publishes the actual filed-rate data so you can see the market before any carrier's marketing does.

Plan G Filed Rates by Age (Texas)

Sample: ZIP 77002 (Houston), female, non-tobacco, no household discount. Texas does not mandate a single pricing method — most Texas carriers use attained-age rating (premiums rise as you age), and most also file separate tobacco rates. Carriers price by rating area within Texas, so your ZIP may vary from this Houston sample.

Plan N Filed Rates by Age (Texas)

Same sample profile as Plan G above.

Household Discounts in Texas

Only 4 of 24 Texas Plan G carriers offer a household discount, worth 11.1%–20% off the monthly premium. With the discount applied, filed Plan G rates start at $145.29. If you and your spouse are both enrolling, the discount can change which carrier is actually cheapest.

Named-Carrier Filed Rates (Plan G, age 65)

From our published carrier reviews — filed rate, market rank among 24 Texas carriers, and each carrier's most recent Texas rate filing:

Notably, Bankers Fidelity currently holds the lowest filed Plan G rate in the entire Texas market for this profile — rank 1 of 24 — with an unusually gentle filing history. At the other end, WoodmenLife's Texas block filed a +41.6% increase effective February 2026, a reminder that the starting rate is only half the story. For the current cheapest carrier at your exact ZIP and age, call us — we quote every filed carrier, not a marketing shortlist.

How Texas Compares: Lowest Filed Plan G Rate by State (age 65)

Sorted by each state's cheapest filed Plan G rate, one flagship-metro ZIP per state. Texas is highlighted.

Entry price is only half the story: most Texas Medigap carriers use attained-age rating, so the premium climbs as you age on top of general rate increases — and several carriers' recent Texas filings ran well into double digits. Massachusetts, Minnesota, and Wisconsin standardize Medigap differently and are not included.

Methodology

• Rates are carrier filed rates from CSG Actuarial as of 2026-07-12, not marketing quotes.
• Sample profile: female, non-tobacco, ZIP 77002 (Houston); ages as labeled; household discount excluded except where noted.
• “Spread” is the monthly dollar gap between the cheapest and most expensive filed rate for identical, federally standardized benefits.
• Carrier counts reflect carriers returning a filed quote for this profile; carriers can enter or exit between snapshots.
• The index is refreshed when new filings meaningfully change the data; the as-of date above always reflects the underlying snapshot.

Journalists and researchers: this data may be cited with attribution to MedicareYourself.com and a link to this page. For carrier-level detail or other states, contact anthony@easykindmedicare.com.