Texas Medigap Rate Index 2026

By Anthony Orner, Independent Licensed Medicare Insurance Broker · CSG Actuarial filed rates, Texas, as of 2026-07-12 · Houston sample ZIP 77002

Bankers Fidelity files the cheapest Plan G in Texas: $129.92 a month for a 65-year-old in Houston (CSG Actuarial, 2026-07-12). The most expensive of the 24 Texas carriers files $284.86, a $154.94 monthly gap for identical coverage, about $37,186 over 20 years. Plan N runs $99.14 to $243.00 across 23 carriers. The other Texas number that matters is +41.6%: WoodmenLife's Texas filing effective February 2026, the largest single Plan G increase in any state we track.

The carrier pays the broker. Your premium is the same whether you call us or the carrier. We read all 24 Texas filings, including the ones that just went up.

Texas Plan G Filed Rates by Age

Sample: ZIP 77002 (Houston), female, non-tobacco, no household discount. Texas carriers file by rating area, so Dallas, San Antonio, and Austin ZIPs will not match Houston exactly. Texas does not require one pricing method; most Texas carriers use attained-age rating, and most file tobacco rates too.

At the bottom, Texas prices hold flat from 65 to 67 ($129.92 both years) and creep after that ($132.52 at 69). The top end climbs $12.04 over the same four years, to $296.90.

Texas Plan N Filed Rates by Age

Same Houston profile. Plan N trades small office and ER copays, and no coverage of Part B excess charges, for a lower premium.

Texas is a state where Plan N starts under $100: $99.14 at 65. That is $30.78 under the cheapest Plan G. Watch the age curve, though. The Plan N spread goes from $143.86 at 65 to $194.88 at 69 because the top filing rises fast. Neither plan covers the Part B deductible ($283).

The Household Discount Does Not Beat the Texas Floor

4 of 24 Texas Plan G carriers file a household discount, 11.1% to 20%. The lowest discounted Plan G at 65 is $145.29. That is still above the undiscounted floor, because the cheapest Texas carrier does not file one. Couples get quoted with and without it anyway; the discount changes the order in the middle of the table.

Tobacco Rates in Texas

31 of 32 Texas carriers quoting this profile add a tobacco surcharge, 10% to 323.4%, averaging 37.5%. Only 1 carrier skipped it. The floor above is a non-tobacco number. Smokers, ask for the tobacco table; the cheapest carrier for you is probably a different company.

Texas Filing History: Who Raised Rates for 2026

6 carriers we review in depth, sorted by filed Plan G at 65, with rank among 24 Texas carriers and the latest Texas filing. The Texas market median is $194.91.

4 of the 6 filed an increase of 18% or more for 2026: Medico +24.28% (February 2026), WoodmenLife +41.6% (February 2026), Humana +18.02% (April 2026), Mutual of Omaha +25% (July 2026). The biggest is WoodmenLife.

WoodmenLife's Texas block grew from 198 lives in 2023 to 3,371 in 2025, while its loss ratio went from 83% to 93%. The +41.6% filing is the catch-up. It now files $197.75, rank 14 of 24.

Mutual of Omaha is 1% above the Texas floor at $266.26, rank 21 of 24, after filings of +5% (July 2023), +12.5% (April 2024), +25% (June 2025), +25% (July 2026).

Bankers Fidelity, the floor, has one Texas filing on record: +4.9% effective August 2025. Its Texas block went from 871 to 6,099 lives between 2024 and 2025, and the loss ratio rose from 52% to 73%. That is the carrier to watch in Texas, not because it is expensive but because it is growing fast.

Texas Against 4 Other States, Cheapest Plan G at 65

One metro ZIP per state, ranked by the lowest filed Plan G. Texas is the shaded row.

Texas is 3 of 5 on entry price, with 24 carriers filing Plan G; 1 of the other 4 states has fewer. The Texas story is not the entry price. It is what happened after: 4 filings of 18% or more for 2026 among 6 reviewed carriers. The three waiver states (Massachusetts, Minnesota, Wisconsin) do not appear because their plans are not lettered the same way.

Methodology

• Source: CSG Actuarial filed rates, snapshot dated 2026-07-12. A filed rate is what the carrier filed with the state, not a quote engine's estimate.
• Profile: 65-, 67-, and 69-year-old female, non-tobacco, ZIP 77002, Houston. No household discount except in the discount section.
• Spread is high minus low for one plan letter at one age, in dollars per month.
• Carrier count is the number of carriers that returned a filed quote. Texas counts change when a carrier closes a block and opens a new one.
• Filing percentages, lives, and loss ratios come from our carrier reviews dated 2026-07-15. The largest-filing claim is checked across every state in this index, not asserted.
• Rating areas: Houston is one of several Texas rating areas. Your ZIP can sit above or below every number here.

Journalists: cite with a link to this page and attribution to MedicareYourself.com. For the full Texas carrier list, email anthony@easykindmedicare.com.