West Virginia Medicare Costs 2026: Part B, Plan G, Plan N

By Anthony Orner, Independent Licensed Medicare Insurance Broker · West Virginia filings pulled September 11, 2026, CSG Actuarial · Kanawha County (ZIP 25427)

West Virginia carriers file just 3 rating areas for 55 counties, so the Kanawha County table on this page is very nearly the state's table. It puts Part B plus Plan G at $328.22 to $464.27 a month for a 65-year-old (CSG Actuarial filings, pulled September 11, 2026): the $202.90 Part B premium plus a Plan G of $125.32 from GPM Health and Life up to $261.37 from Humana Insurance Company, 25 carriers in all.

The $136.05 between those lines pays for nothing, since Plan G benefits are set by federal statute; it is $1,633 a year and $32,652 over twenty years with no increase. One warning belongs up here: Bankers Fidelity Assurance, the cheapest Plan G in Virginia and South Carolina, files $205.64 in Kanawha County, rank 21 of 25, $80.32 above the floor. 14 carriers filed 15% or more on Plan G this year.

The carrier pays the broker; the filed premium is yours with or without us.

Two Kanawha County Bills at 65

Both pay the $1,736 Part A deductible per benefit period; both leave the $283 Part B deductible to you, then pay the rest of what Medicare approves. The Medicare column is fixed. The carrier column is the whole decision.

Humana Insurance Company is second at $134.56. The median Kanawha County line is American Benefit Life at $176.95; the statewide median is $176.95. Kanawha County's $125.32 ranks 9 of 28 among the flagship counties we publish. Part D depends on the drug list and stays out of these totals.

The Kanawha County Floor at 65, 70 and 75

GPM Health and Life files $125.32 at 65, $135.23 at 70 and $157.84 at 75, $32.52 of birthday steps before any block filing. It holds the bottom line at every age in the table. At 75 the bill with Part B runs $360.74 to $565.13.

CSG Actuarial filings pulled September 11, 2026; female, non-tobacco, individual, no household discount, ZIP 25427 in Kanawha County. Men, tobacco users and the other two rating areas return different rows.

3 Rating Areas, $9.24 Apart

West Virginia prices in 3 rating areas. GPM Health and Life files $125.32 in Barbour County and 7 other key counties and $134.56 in Wyoming County: $9.24 of address, $111 a year. The lowest bill in the state with Part B included is $328.22.

Each county quoted at the ZIP with the largest land overlap; same profile as Kanawha County.

Plan N: GPM Health and Life Leads Both Letters

GPM Health and Life files the lowest Plan N in Kanawha County at $91.79, the same carrier that leads Plan G, so the choice here is a plan letter rather than a company. It is $33.53 under the lowest Plan G, $402 a year, for accepting up to $20 at some office visits, up to $50 at an ER that discharges you, and Part B excess charges, which West Virginia permits and Plan G pays. 25 carriers file Plan N here, $91.79 to $231.12, or $294.69 to $434.02 with Part B. Bankers Fidelity's Plan N sits 13 of 25 at $130.64.

Same profile and ZIP as the Plan G rows.

Only 4 Carriers Discount a Second Policy Here

4 of the 25 West Virginia carriers file a household discount, from 5% to 20%. The largest is HealthSpring National Health (HCSC) at 20%, $169.32 to $135.46. GPM Health and Life, the cheapest single-applicant line, files none. After discounts the lowest line is Humana Insurance Company at $118.14.

The other 21 give nothing for a spouse. Household wording is the carrier's own and sometimes requires both adults to buy from the same company, so a couple is quoted both ways.

14 West Virginia Filings of 15% or More in 2026

CSG Actuarial's West Virginia records, January 2026 through September 2026, hold 22 filings. 14 of the 22 Plan G entries are 15% or more, led by Mutual of Omaha at +30.0% effective March 15, 2026. GPM Health and Life, the cheapest line, filed +9.0% effective January 2026. 22 rows match a carrier in the Kanawha County table; the rest carry no paired rate.

CSG Actuarial MedSupp filing records, January 2026 to September 2026. An effective date can follow the report month. Each row is a block-wide West Virginia change, not one renewal letter.

The cheapest line and the steepest filer are rarely the same name, and when they are, the bargain is temporary. Read this table beside the age table. Every state's list is at 2026 Medigap rate increases.

Rating Method and the Size of the Market

24 of the 25 Kanawha County carriers price on attained age, 1 on a community basis. AARP / UnitedHealthcare is the one community-rated line at $188.32, with a dearer class at $587.68; age never enters its price. The highest Plan G filed anywhere in West Virginia is $275.75, from Humana Insurance Company.

22 of the 25 carriers carry a 2026 effective date on their Kanawha County rate; the newest is Philadelphia Amer Life Ins Co, September 1, 2026. The NAIC counted 81,776 West Virginia Medigap policies as of December 2023: Plan G 34,841, Plan F 32,892, Plan N 8,163. Plan F closed to anyone newly eligible on January 1, 2020; this page prints no Plan F table.

Methodology

• Premiums are carrier filings pulled from CSG Actuarial on September 11, 2026 and rendered from the West Virginia data file. Nothing is typed by hand.
• Profile: female, non-tobacco, individual, no household discount; discounted lines apply the filed percentage.
• Kanawha County (ZIP 25427) is the flagship county. Key counties are quoted at the ZIP with the largest land overlap; Barbour County represents the 37-county rating area.
• Carrier rank is position in the Kanawha County Plan G table sorted by filed rate; Bankers Fidelity is identified by NAIC, not by name, because the family issues through different companies in different states.
• Spread is the highest filing minus the lowest for one plan letter, age and county. Twenty-year figures multiply the monthly spread by 240 with no filings assumed.
• Cross-state claims (fewest rating areas, narrowest county gap, smallest market) are computed against every state file in the set, not asserted.
• Carrier counts are whoever returned a filed quote on the pull date. Direct-to-consumer and guaranteed-issue rate classes are excluded.
• The Part B premium and both deductibles are 2026 CMS figures from one file. Plan G does not pay the Part B deductible.
• Enrollment is statewide by plan letter as of December 2023, from the NAIC Medicare Supplement Experience Exhibit via AHIP May 2025 report. Filing rows are CSG Actuarial records for January 2026 to September 2026; "No" rows matched no quote-table carrier.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in West Virginia and 34 other states. MedicareYourself (EasyKind Medicare) is an independent brokerage unaffiliated with Medicare, CMS or any carrier. The carrier pays the broker; the filed premium does not change.