What Medicare Costs in Virginia in 2026: Part B Plus Plan G

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Virginia filed-rate data pulled September 10, 2026, CSG Actuarial · Fairfax County (ZIP 22079)

A 65-year-old in Fairfax County pays $312.65 to $494.98 a month for Part B plus Plan G in 2026 (CSG Actuarial filings, pulled September 10, 2026). That is the $202.90 Part B premium plus filed Plan G rates of $109.75 to $292.08 across 21 Virginia carriers. Every one of those 21 policies pays the same claims. The $182.33 gap is price alone. Over a year it comes to $2,188. Over 20 years, before a single rate increase, it is $43,759.

Drive to Albemarle County and the same Bankers Fidelity Assurance policy files at $94.61, the lowest age-65 Plan G in any of the 21 states in this dataset. Fairfax County's $109.75 ranks 1 of 21 among the flagship counties we track. Virginia prices by rating area, 31 of them across 133 counties and cities, so the address sets the bill before the carrier does.

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

Two Virginia Bills, Side by Side

Both policies pay the $1,736 Part A deductible per benefit period. Neither pays the $283 Part B deductible; that one is yours on Plan G and on Plan N. After it, both pay the rest of Medicare-approved charges. The Part B column is the same on both bills. Only the carrier column changes.

The median Fairfax County filing is $167.91 (Aflac (Tier One Insurance)), a $370.81 bill with Part B. 10 carriers sit under that line and 10 above it. Statewide, the median Virginia Plan G is $164.37. A Part D drug plan sits on top of every bill here. It depends on the drug list, so it is left out of the totals.

The Plan G Line at 65, 70 and 75 in Fairfax County

Bankers Fidelity Assurance holds the bottom of the Fairfax County table at every age shown: $109.75 at 65, $115.26 at 70 and $136.97 at 75. GPM Health and Life holds the top at every age shown: $292.08, $322.17 and $385.60. The cheapest line climbs $27.22 between 65 and 75; the dearest climbs $93.52. With Part B, the age-75 bill runs $339.87 to $588.50.

Source: CSG Actuarial rate filings, pulled September 10, 2026. Profile: female, non-tobacco, individual, no household discount, quoted at ZIP 22079 in Fairfax County. A male, a tobacco user, or a different rating area returns different numbers. This table is not your quote.

Where Virginia Plan G Drops to $94.61

5 of the 16 key counties in the file quote Bankers Fidelity Assurance at $94.61: Chesterfield County, Roanoke city, Lynchburg city, Albemarle County, Montgomery County. Fairfax County, Prince William County, Loudoun County, Arlington County, Virginia Beach city and 6 more of the key counties all quote $109.75. The $15.14 difference is one carrier, one plan letter, two rating areas. Over a year it is $182.

Winchester city carries the highest county low in the state, $109.75, so the cheapest-carrier line runs $94.61 to $109.75 across all 133 counties and cities. Bedford County, inside the rating area that covers 33 counties, quotes Bankers Fidelity Assurance at $94.61. With Part B, the cheapest Virginia bill anywhere is $297.51 a month.

Each county is quoted at the ZIP with the largest land overlap. Same profile as the Fairfax County table.

Plan N: the Copay Trade in Fairfax County

Plan N from Bankers Fidelity Assurance files at $87.03 in Fairfax County at 65, $22.72 under its own Plan G. That is $273 a year. In return the policy leaves two copays. Up to $20 at some office visits. Up to $50 at the ER when the visit does not end in admission. Part B excess charges are yours on Plan N; Plan G pays them. Neither plan pays the $283 Part B deductible. 21 carriers file Plan N here, $87.03 to $230.27, which is $289.93 to $433.17 with Part B. The trade is worth more at some carriers than others: Humana's pair is $140.08 for G and $104.56 for N, $35.52 apart. Statewide, the cheapest Plan N is $75.02 in Albemarle County.

Same profile and ZIP as the Plan G table above.

A Spouse on the Same Carrier Cuts 11.6% to 20%

3 of 21 Virginia carriers file a household discount, from 11.6% to 20%. HealthSpring National Health (Cigna) files the 20%, which takes its $141.67 Plan G to $113.34. The cheapest discounted line is HealthSpring National Health (Cigna) at $113.34.

Bankers Fidelity Assurance, Washington National, LifeShield National, WPS Health Solutions, American Benefit Life, Anthem Blue Cross Blue Shield, Insurance Company of North America (Chubb), USAA Life, Aflac (Tier One Insurance), State Farm, CareFirst BlueChoice, Everence Association, Erie Family Life, Aetna (Continental Life), United American, Mutual of Omaha, Guarantee Trust Life, GPM Health and Life file no discount at all. Each carrier writes its own eligibility wording, usually two adults at one address, so we read that wording before quoting the discounted number. A couple's cheapest carrier is not always a single applicant's cheapest carrier. We quote both ways.

Virginia Rate Filings Recorded in 2026, Carrier by Carrier

CSG Actuarial's filing records from December 2025 through September 2026 list 16 Virginia filings. The largest is Erie Family Life at +25.0% on Plan G, effective May 1, 2026. 11 of the 16 Plan G filings are 15% or more. 16 of the 16 rows matched a carrier in the Fairfax County table above. For the other 0, the name on the report did not match a line in that table. Those rows carry no paired rate here.

Source: CSG Actuarial MedSupp filing records, December 2025 to September 2026. An effective date can fall after the report month. A filing is the carrier's change on its Virginia block, not one person's renewal.

A starting rate is half the decision. The filing history is the other half. At the 19 attained-age carriers, a block filing lands on top of the birthday step. That is why the age-65 line and the age-75 line belong side by side. See the full state-by-state list at 2026 Medigap rate increases.

Attained Age Sets 19 of 21 Virginia Prices

19 of the 21 Fairfax County carriers price on attained age. The premium steps up with each birthday, and the block filing lands on top. Everence Association is the one issue-age filing, $199.07 at 65 and set by the age at purchase, so only block filings move it later. AARP / UnitedHealthcare is the one community-rated filing, $173.37 at 65 in its standard class, with a dearer class in the same filing at $527.00. The highest filed Plan G in Virginia is $292.08, from GPM Health and Life.

15 of the 21 carriers carry a 2026 effective date on their Fairfax County rate; the newest, Mutual of Omaha, is September 1, 2026. Virginia had 429,467 Medigap policies in force as of December 2023, by the NAIC count. The count is statewide by plan letter, not by carrier or county. Plan G held 197,935, 46%. Plan F held 174,879. Plan F is closed to anyone new to Medicare on or after January 1, 2020. This page builds no Plan F table. Plan N held 30,401.

Methodology

• Premiums are carrier rate filings pulled from CSG Actuarial on September 10, 2026. No rate on this page was typed by hand; each renders from the Virginia data file.
• Profile: female, non-tobacco, individual, no household discount applied. Discounted figures are computed from the filed discount percentage.
• Each county is quoted through the ZIP with the largest land overlap. Fairfax County (ZIP 22079) is the flagship county; Bedford County stands in for the 33-county rating area.
• "Gap" or "spread" is the most expensive filing minus the cheapest. Same plan letter, same age, same county. A 20-year figure is the monthly gap times 240.
• Carrier counts move. A count is the carriers that returned a filed quote for this profile on the pull date. Entries, exits and closed blocks change it.
• Virginia rates vary by rating area: 31 areas, $15.14 between the lowest and highest county low at 65. One county's table is not your quote.
• The Part B premium and both deductibles are 2026 CMS figures. They are held in one file and imported here. Plan G does not cover the Part B deductible.
• Plan F rows exist in the file only at 72 and older. Plan F is not sold to anyone new to Medicare after January 1, 2020. No Plan F table appears here. Enrollment counts are as of December 2023, from the NAIC Medicare Supplement Experience Exhibit via AHIP May 2025 report. They are statewide by plan letter.
• Rate-change rows come from CSG Actuarial's filing records (December 2025 to September 2026). Rows marked "No" are filings whose reported name did not match a line in our quote table. They are never paired with a rate here.

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. MedicareYourself (EasyKind Medicare) is an independent brokerage, not affiliated with Medicare, CMS, or any carrier. Broker pay comes from the carrier, and the filed premium is the same with or without us.