Virginia Medigap Rate Index 2026: Plan G and N by County

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

In Fairfax County, a 65-year-old pays $109.75 to $292.08 a month for Plan G, depending on which of 21 Virginia carriers she picks (CSG Actuarial filings pulled September 10, 2026). The same Bankers Fidelity Assurance policy is $94.61 in Albemarle County, the lowest statewide Plan G among the 21 states in this dataset. Plan N in Fairfax County runs $87.03 to $230.27. The Fairfax County Plan G gap is $182.33 a month, about $43,759 over 20 years with no rate filing at all.

Carriers pay the broker; the price you pay is the same either way. The 21 rates below are the filed numbers, not a shortlist.

Plan G Filed Rates in Virginia by Age

Fairfax County columns: ZIP 22079, female, non-tobacco, individual, no household discount. Statewide columns: the lowest filed rate and the median across all 133 Virginia counties and independent cities. Virginia carriers price by rating area. The file holds 31 of them, and the largest covers 33 counties, Bedford County among them.

Bankers Fidelity Assurance holds the low row in Fairfax County at every age on the table: $109.75 at 65, $115.26 at 70, $136.97 at 75 and $162.44 at 80. That is a 48% climb by age 80 on an attained-age block, before one filing lands. The top row moves from $292.08 at 65 to $458.46 at 80, so the Fairfax County spread runs $182.33 at 65 and $296.02 at 80.

Plan N Filed Rates in Virginia by Age

Same Fairfax County profile and the same statewide columns as the Plan G table.

Plan N is Plan G with two copays and one gap. The copays: up to $20 for some office visits and up to $50 for an emergency room visit that does not lead to admission. The gap: Plan N does not cover Part B excess charges, and Plan G does. In Fairfax County the cheapest Plan N at 65 is $87.03 against $109.75 for Plan G, $22.72 a month or $272.64 a year. The Fairfax County Plan N spread is $143.24, from Bankers Fidelity Assurance up to Guarantee Trust Life at $230.27. Neither plan pays the Part B deductible, $283 in 2026.

Virginia had 197,935 people on Plan G and 30,401 on Plan N in December 2023, out of 429,467 Medigap policies statewide (NAIC, by plan letter, not by carrier or county). Plan N is the smaller line by a wide margin, which surprises callers who assume the $22.72 saving wins more often than it does.

All 21 Fairfax County Carriers at 65, Cheapest First

Every carrier that returned a filed Plan G quote for ZIP 22079 on September 10, 2026, with the Plan N rate where the same carrier filed one. Linked names go to our carrier reviews.

Bankers Fidelity Assurance is the low row at $109.75, with a second rate class up to $137.19. GPM Health and Life tops the list at $292.08, 166% above it for identical benefits. The Fairfax County median is $167.91; in Albemarle County it is $154.19, and statewide it is $164.37.

19 of the 21 price on attained age: the premium steps up with each birthday, and block filings stack on top. Everence Association ($199.07) is the one issue-age carrier; the age at purchase sets the band, and only filings move it after. AARP / UnitedHealthcare ($173.37) files as community-rated, the category where one premium applies regardless of age. In this file its Fairfax County Plan G still reads $173.37 at 65 and $276.87 at 80. Read the label as the filing category, not as a promise about the renewal letter. The statewide high for Plan G at 65, $292.08, belongs to GPM Health and Life.

4 carriers file more than one rate class in Fairfax County: Bankers Fidelity Assurance (2 classes, up to $137.19), HealthSpring National Health (Cigna) (2 classes, up to $212.51), AARP / UnitedHealthcare (2 classes, up to $527.00) and CareFirst BlueChoice (3 classes, up to $390.73). The table shows the lowest class. I ask which class an application lands in before the number goes on paper.

3 of the 21 file a household discount, 11.6% to 20%. HealthSpring National Health (Cigna) file the 20%. 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 and GPM Health and Life file none.

15 of the 21 Fairfax County rates carry a 2026 effective date. The newest is Mutual of Omaha, September 1, 2026. The oldest rates still on the table are United American (January 1, 2024) and Bankers Fidelity Assurance (March 1, 2024). An old date is not a verdict either way; it means the next filing has not landed yet.

Plan G at 65 in 16 Virginia Counties and Cities

One ZIP per county, the one with the largest land overlap. Cheapest filed Plan G at 65, the carrier filing it, the county median, the county high and how many carriers quoted.

Two prices show up in the cheapest column of the 16 counties and cities on this page: Chesterfield County, Roanoke city, Lynchburg city, Albemarle County and Montgomery County get $94.61, and Fairfax County, Prince William County, Loudoun County, Arlington County, Virginia Beach city, Chesapeake city, Norfolk city, Newport News city, Henrico County, Richmond city and Hampton city get $109.75. The difference is $15.14 a month, $181.68 a year, for the same Bankers Fidelity Assurance policy. Chesterfield County files $94.61 while Richmond city, next door, files $109.75. The medians split the same way: $154.19 in Albemarle County, $167.91 in Fairfax County.

Cheapest County vs Priciest County

Across all 133 counties and independent cities, the lowest Plan G at 65 is $94.61 in Albemarle County, and the highest county low is $109.75 in Winchester city, both from Bankers Fidelity Assurance. The median county low is $94.61, so at least half of Virginia's counties see the lower number. Plan N follows the same map: $75.02 in Albemarle County, $87.03 in Winchester city, $12.01 apart. At 70 the priciest Plan N county shifts to Westmoreland County at $91.40. The highest filed Plan N at 65 anywhere in the state is $230.27, from Guarantee Trust Life.

2026 Virginia Medigap Rate Filings

16 Virginia filings appear in the CSG Actuarial filing records from December 2025 through September 2026. 11 of the 16 with a Plan G line raise it by 15% or more. The largest is Erie Family Life, +25.0% on Plan G, effective May 1, 2026. The full multi-state list is on the 2026 rate-increase page.

16 of these carriers sit in the Fairfax County table above with the increase already in the rate: American Benefit Life +19.2% effective December 1, 2025, now $152.90 for Plan G, CareFirst BlueChoice +13.6% effective January 1, 2026, now $194.37 for Plan G, GPM Health and Life 0.0% effective January 1, 2026, now $292.08 for Plan G, LifeShield National +16.0% effective January 1, 2026, now $139.67 for Plan G, Washington National -14.9% effective January 1, 2026, now $133.50 for Plan G, GPM Health and Life +18.0% effective February 1, 2026, now $292.08 for Plan G, State Farm +16.7% effective February 1, 2026, now $179.95 for Plan G, Guarantee Trust Life +19.9% effective March 1, 2026, now $290.03 for Plan G, Aflac (Tier One Insurance) +23.0% effective May 1, 2026, now $167.91 for Plan G, Erie Family Life +25.0% effective May 1, 2026, now $202.45 for Plan G, AARP / UnitedHealthcare +14.0% effective June 1, 2026, now $173.37 for Plan G, Everence Association +19.0% effective June 1, 2026, now $199.07 for Plan G, USAA Life +7.5% effective June 1, 2026, now $167.28 for Plan G, Anthem Blue Cross Blue Shield +25.0% effective July 1, 2026, now $153.00 for Plan G, Aetna (Continental Life) +20.0% effective August 1, 2026, now $205.08 for Plan G and Mutual of Omaha +25.0% effective September 1, 2026, now $229.44 for Plan G.

A filing is the carrier's change on its Virginia block, not one person's renewal, and the effective date can land months after the report month. A renewal letter from any of these carriers reads differently once it sits next to the other 20 filed rates.

Where Virginia's Plan G Sits Among 21 States

One flagship county per state, ranked by the cheapest filed Plan G at 65 for the same female non-tobacco profile. Virginia is the green row. The last column is each state's lowest county rate.

By the Fairfax County number, Virginia ranks 1 of 21 on entry price. By statewide low, Virginia's $94.61 is the lowest of the 21; the next is Indiana at $109.46. The distance between the Fairfax County number and the statewide number is the rating-area effect. It is why a Virginia caller gives me a ZIP before anything else. The file covers 21 states; a state outside it is not ranked here.

Methodology

• Source: CSG Actuarial rate filings, pulled September 10, 2026. Filed rates, not marketing quotes.
• Profile: female, non-tobacco, individual, no household discount applied, at ages 65, 70, 75 and 80.
• Counties are quoted through the ZIP with the largest land overlap; Fairfax County is ZIP 22079. The file covers 133 counties and independent cities in 31 rating areas.
• Spread is the highest filed rate minus the lowest for one plan letter, one age, one county.
• Carrier counts are carriers that returned a filed quote for this profile: 21 at 65 in Fairfax County. The count moves as blocks open and close.
• Virginia rates vary by rating area, so one county's table is not another county's quote.
• Plan F rows exist in the file only at ages 72 and up, and Plan F is closed to anyone new to Medicare after January 1, 2020, so this page has no Plan F table. Enrollment counts (174,879 on Plan F, 429,467 total) are NAIC December 2023 figures via AHIP, statewide by plan letter.
• Rate-change rows come from the CSG Actuarial filing records, December 2025 through September 2026. Effective dates can be later than the report.
• Plan G does not cover the Part B deductible ($283 in 2026). Neither does Plan N.

Cite these Virginia figures as CSG Actuarial filings pulled September 10, 2026, compiled by MedicareYourself.com, with a link here. Carrier-level questions: anthony@easykindmedicare.com.