Best Medicare Supplement Plans in Virginia: 2026 Filed Rates
By Anthony Orner, Independent Licensed Medicare Insurance Broker · Virginia filed-rate data pulled September 10, 2026, CSG Actuarial · Fairfax County (ZIP 22079)
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A 65-year-old in Fairfax County pays $109.75 to $292.08 a month for Plan G across 21 Virginia carriers (CSG Actuarial filings, pulled September 10, 2026). The same carrier at the bottom of that table, Bankers Fidelity Assurance, files $94.61 in Albemarle County, the lowest Plan G rate anywhere in Virginia. The coverage behind each of those numbers is identical by federal law.
The $182.33 a month between the top and bottom Fairfax County filing is $43,759 over 20 years, before a single rate increase lands. GPM Health and Life charges 2.7 times what Bankers Fidelity Assurance does for the same Plan G. Virginia files its Medigap rates across 31 rating areas. A Chesterfield County ZIP and a Fairfax County ZIP pull different tables from the same carrier. Pick the Virginia page for your question below: the whole monthly bill with Part B, the county rate index, pricing from 65 to 80, or the carriers that filed 2026 increases.
Published September 8, 2026 · Filed-rate data pulled September 10, 2026 · Source: CSG Actuarial · Profile: female, non-tobacco, individual, no household discount
Carriers pay the broker; the price you pay is the same either way.
See Every Virginia Carrier at Your ZIP — 855-559-1700Virginia rates at your ZIP and age
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What Plan G and Plan N Cost in Fairfax County at 65
CSG Actuarial filed rates pulled September 10, 2026 for ZIP 22079, Fairfax County: female, non-tobacco, individual, no household discount applied. Each carrier's cheapest rate class is shown. Fairfax County is one of 31 Virginia rating areas, so a ZIP elsewhere in Virginia can return a different table.
| Plan | Cheapest filing | Carrier | Highest filing | Carrier | Monthly spread | Carriers |
|---|---|---|---|---|---|---|
| Plan G | $109.75 | Bankers Fidelity Assurance | $292.08 | GPM Health and Life | $182.33 | 21 |
| Plan N | $87.03 | Bankers Fidelity Assurance | $230.27 | Guarantee Trust Life | $143.24 | 21 |
Plan N's floor is $87.03, $22.72 under the cheapest Plan G, and both floors are Bankers Fidelity Assurance. Plan N trades that gap for copays: up to $20 at some office visits and up to $50 at an emergency room visit that does not end in admission. It also leaves Part B excess charges with you. Neither letter covers the $283 Part B deductible. The median Fairfax County Plan G filing is $167.91, 53% above the floor, and the top filing is 166% above it.
Go deeper: Virginia cost with the Part B premium added · the full Virginia rate index by county
Three Things That Decide a Virginia Medigap Price
Rate Type: 19 of 21 Price on Attained Age
Virginia's mix on September 10, 2026: 19 attained age, 1 issue age, 1 community rated. An attained-age premium steps up with each birthday and again with every block filing. Bankers Fidelity Assurance's Fairfax County Plan G goes $109.75 at 65, $115.26 at 70, $136.97 at 75 and $162.44 at 80. Everence Association is the one issue-age filing ($199.07 here), set by the age you buy at. AARP / UnitedHealthcare is the one community-rated filing ($173.37), one price at every age.
Rating Area: 31 Price Zones Across 133 Localities
Virginia carriers file by rating area, not statewide. The cheapest Plan G at 65 is $94.61 in Albemarle County and $109.75 in Winchester city, a $15.14 gap from the same carrier for the same plan. Chesterfield County, Roanoke city and Lynchburg city sit on the $94.61 line; Fairfax County, Prince William County and Loudoun County and 8 more sit on the $109.75 line. Your county picks your table before you pick a carrier.
Carrier: One Plan G, 21 Prices
Federal law standardizes the benefits, so the 21 Fairfax County filings pay identical claims from $109.75 to $292.08. The median filing sits at $167.91. 15 of the 21 carriers have a Virginia filing effective in 2026, the newest Mutual of Omaha on September 1, 2026. A carrier's filing history is the second number I read beside its rate.
Which Virginia Counties Sit on Which Price Line
16 Virginia counties and cities were quoted as key markets on September 10, 2026. Their cheapest Plan G at 65 lands on 2 price lines, and Bankers Fidelity Assurance holds the floor on every one of them. The county low moves $15.14 across the state; the carrier at the bottom does not.
| Cheapest Plan G at 65 | Carrier | Counties and cities on this line |
|---|---|---|
| $94.61 | Bankers Fidelity Assurance | Chesterfield County, Roanoke city, Lynchburg city, Albemarle County, Montgomery County (5) |
| $109.75 | Bankers Fidelity Assurance | Fairfax County, Prince William County, Loudoun County, Arlington County, Virginia Beach city, Chesapeake city, Norfolk city, Newport News city, Henrico County, Richmond city, Hampton city (11) |
The Virginia rate index lists each of the 16 counties with its median filing, its highest filing and its carrier count. The pricing-by-age page follows every Fairfax County carrier from 65 to 80.
Virginia Medigap Rate Filings in the 2026 Reports
The CSG Actuarial filing records from December 2025 through September 2026 carry 16 Virginia rows with a Plan G line. Of those 16, 14 are increases, and 11 of the increases run 15% or more. The largest is Erie Family Life at +25.0%, effective May 1, 2026. Washington National, the second-cheapest Fairfax County Plan G at $133.50 on September 10, 2026, has filed -14.9% for January 1, 2026. Both numbers belong in the same sentence when you compare quotes. A filing is the carrier's change on its Virginia block, not one person's renewal letter, and its effective date can sit before or after the month of the report that lists it.
| Carrier (as filed) | Effective | Plan G | Plan N | Fairfax County Plan G at 65 |
|---|---|---|---|---|
| American Benefit Life | December 1, 2025 | +19.2% | — | $152.90 |
| CareFirst BlueChoice | January 1, 2026 | +13.6% | — | $194.37 |
| GPM Health and Life | January 1, 2026 | 0.0% | — | $292.08 |
| LifeShield National | January 1, 2026 | +16.0% | — | $139.67 |
| Washington National | January 1, 2026 | -14.9% | — | $133.50 |
| GPM Health and Life | February 1, 2026 | +18.0% | — | $292.08 |
| State Farm | February 1, 2026 | +16.7% | — | $179.95 |
| Guarantee Trust Life | March 1, 2026 | +19.9% | — | $290.03 |
| Aflac (Tier One Insurance) | May 1, 2026 | +23.0% | — | $167.91 |
| Erie Family Life | May 1, 2026 | +25.0% | — | $202.45 |
| AARP / UnitedHealthcare | June 1, 2026 | +14.0% | — | $173.37 |
| Everence Association | June 1, 2026 | +19.0% | — | $199.07 |
| USAA Life | June 1, 2026 | +7.5% | — | $167.28 |
| Anthem Blue Cross Blue Shield | July 1, 2026 | +25.0% | — | $153.00 |
| Aetna (Continental Life) | August 1, 2026 | +20.0% | — | $205.08 |
| Mutual of Omaha | September 1, 2026 | +25.0% | — | $229.44 |
16 of the 16 rows match a carrier in the Fairfax County quote table. The rest are closed blocks, group business or names the filing did not match, so no quote is shown beside them. Every state's 2026 filings are on the 2026 Medigap rate increases page.
The Lettered Plans, and What Each One Leaves With You
Every Virginia carrier sells the same lettered plans on the same federal benefit chart. Plan G leaves the $283 Part B deductible with you and nothing else. Plan N adds the copays and skips Part B excess charges. Plan F is closed to anyone eligible for Medicare on or after January 1, 2020. Virginia still carried 174,879 Plan F lives in December 2023, against 197,935 on Plan G and 30,401 on Plan N (NAIC data via AHIP's May 2025 report, statewide by plan letter, not by carrier or county).
| Plan | What it leaves with you | In one line |
|---|---|---|
| Plan A | Both deductibles, skilled nursing coinsurance, excess charges, foreign travel | The basic benefits every letter includes |
| Plan B | Part B deductible, skilled nursing coinsurance, excess charges, foreign travel | Plan A plus the Part A deductible |
| Plan D | Part B deductible and Part B excess charges | Plan G without excess-charge coverage |
| Plan G197,935 Virginia lives | The Part B deductible only | The letter with the most Virginia lives (NAIC, December 2023) |
| High-Deductible G | A yearly deductible before the plan pays | Lower premium, more first-dollar risk |
| Plan K | Half of most cost-sharing, up to a yearly cap | Lowest premium tier by design; half of most cost-sharing stays with you |
| Plan L | A quarter of most cost-sharing, up to a yearly cap | Between K and N |
| Plan N | Part B deductible, office and ER copays, excess charges | The lower-premium trade most callers weigh against G |
Benefit chart per Medicare.gov. This page prices Plan G and Plan N only; Plan F rows in the Virginia file start at 72 and are not sold to anyone new to Medicare.
Virginia Medigap at a Glance (2026)
Four Virginia pages, one data pull (September 10, 2026), one profile. Start with the question that made you look.
Cost
What Medicare costs in Virginia in 2026
The $202.90 Part B premium stacked on the $109.75 and $292.08 Plan G filings, monthly and yearly, plus Plan N and the household discount.
Rate Index
Virginia Medigap Rate Index by County
All 21 Fairfax County carriers with rate type, AM Best rating and filing date, plus the 16 key counties and the other 20 states in the dataset.
Pricing by Age
How a Virginia premium moves from 65 to 80
Bankers Fidelity Assurance climbs $52.69 from 65 to 80 in Fairfax County; GPM Health and Life climbs $152.71. Which carriers age fastest, and what locking a rate in early does.
Rate Increases
2026 Medigap rate increases by state
Virginia's 14 Plan G increases, led by Erie Family Life at +25.0%, beside every other state's. What to do when the letter arrives.
Virginia Medicare Numbers to Carry Into the Call
- • Part B premium: $202.90 a month at the standard 2026 rate, paid to Medicare before any supplement.
- • Part B deductible: $283 for the year. Plan G and Plan N both leave it with you.
- • Part A deductible: $1,736 per benefit period, paid in full by Plan G and Plan N.
- • Virginia Plan G at 65: $94.61 floor (Albemarle County) to $292.08 at the top of the Fairfax County table; statewide median $164.37.
- • Virginia Medigap enrollment: 429,467 covered lives in December 2023, 197,935 of them on Plan G (NAIC via AHIP, statewide by plan letter).
- • Open enrollment: six months from the month you are 65 and enrolled in Part B, no health questions at any of the 21 carriers. Virginia has no birthday rule after that.
How These Virginia Numbers Were Built
- Source: CSG Actuarial rate filings, pulled September 10, 2026. Rate-change rows come from the CSG Actuarial filing records, December 2025 through September 2026.
- Profile: female, non-tobacco, individual policy, no household discount applied. A man, a tobacco user or a couple gets different numbers.
- Counties: each of Virginia's 133 counties and independent cities was quoted through the ZIP with the largest land overlap. Fairfax County (ZIP 22079) is the flagship table on this page.
- Spread: the highest carrier's cheapest rate class minus the lowest carrier's, in one county at one age. The 20-year figure is that spread times 240, with no rate change assumed.
- Carrier counts move. 21 carriers filed a Fairfax County Plan G at 65 on September 10, 2026; a carrier can enter, close a block or refile between pulls.
- Virginia rates vary by rating area (31 of them), so the Fairfax County table is a sample, not your quote. Your ZIP decides which side of the $15.14 county gap you are on.
- Plan F: the file has rows only from age 72, and Plan F is closed to anyone first eligible for Medicare on or after January 1, 2020. No Plan F table appears here. Plan G leaves the $283 Part B deductible unpaid, and so does Plan N.
Virginia Medigap Questions, Answered From the Filings
Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in New Jersey and 34 other states, Virginia among them. Every rate on this page comes from CSG Actuarial rate filings pulled September 10, 2026, quoted at ZIP 22079, Fairfax County, female, non-tobacco, individual, no household discount. It is a sample, not your quote. The carrier you enroll with pays the broker and your premium is the filed rate either way.
Related: Virginia cost · Virginia rate index · Virginia pricing by age · 2026 rate increases · Medicare Supplement hub · Medicare broker · Compare policies · How to enroll · Get a quote
Filed-rate hubs for other states: New Jersey · Pennsylvania · Ohio · Texas
Where does your premium sit among 21 Virginia filings?
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