Why do premiums for the exact same plan vary so much?

Medigap benefits are standardized by federal law — Plan G is identical from every carrier. But each insurance company sets its own price based on its claims experience, target market, and rate history. It's common to see the same Plan G priced $50+ per month apart between two Florida carriers. That's why comparing carriers matters more in Medigap than almost any other insurance purchase.

Does my Medigap premium go up every year in Florida?

Not because of your age. Florida law requires issue-age rating, meaning your premium is based on the age you were when you bought the policy. Carriers can still file rate increases that apply to everyone (for inflation and rising healthcare costs), but you'll never see a birthday-triggered increase like in attained-age states.

Is Medigap cheaper than Medicare Advantage?

Medicare Advantage plans often have $0 monthly premiums, so Medigap costs more up front. But Advantage plans have networks, referrals, and out-of-pocket costs that can reach thousands per year when you're sick. Medigap trades a predictable monthly premium for very low out-of-pocket exposure. Which is 'cheaper' depends on your health and how much certainty you want.

What other costs do I pay besides the Medigap premium?

You'll still pay your Medicare Part B premium ($202.90/month for most people in 2026), the Part B annual deductible ($283 in 2026, which Plans G and N don't cover), and a separate Part D drug plan premium if you want prescription coverage. Plan N also has copays of up to $20 for office visits and up to $50 for ER visits.

Can I lower my Medigap premium after I've enrolled?

Sometimes. In Florida, switching carriers later usually requires medical underwriting — but if you're in reasonably good health, moving your existing Plan G to a cheaper carrier can save hundreds per year. We run this comparison free for existing policyholders; many clients save money without changing their coverage at all.

Are there discounts on Medigap in Florida?

Many carriers offer a household discount (typically 5–12%) when two people in the same home hold policies with the same company. Some offer discounts for annual payment or bank draft. A licensed agent can tell you which Florida carriers offer which discounts — it's often the difference-maker between two otherwise similar quotes.

2026 Florida Rates

How Much Does Medigap Cost in Florida?

In 2026, most Florida seniors pay between $90 and $250 per month for a Medicare Supplement plan — Plan N at the lower end, Plan G at the upper, and High-Deductible Plan G from around $40. Here's exactly what drives your rate, and how to pay less for identical coverage.

Real Rates for Your ZIPEvery Major FL CarrierNo Cost, No Pressure

See Your Exact Medigap Rates

Quotes from every major Florida carrier for your age & ZIP.

2026 Florida Medigap Premium Ranges

Estimated monthly premiums for a 65-year-old non-tobacco user enrolling during their Medigap Open Enrollment Period.

Plan	Typical Monthly Premium*	What It Covers	Good to Know
Plan G	$150 – $250	Everything except the $283 Part B deductible	Most popular plan in Florida
Plan N	$90 – $180	Like Plan G, minus small copays & excess charges	Best value for healthier enrollees
High-Deductible Plan G	$40 – $85	Full Plan G benefits after $2,870 deductible (2026)	Lowest premium available
Plan F (closed)	$250 – $435+	Everything, including Part B deductible	Only if eligible for Medicare before 2020

*Ranges are estimates across major Florida carriers as of 2026 and vary by age, ZIP code, gender, tobacco status, and available discounts. Not a quote — request your exact rates free.

$202.90/mo

Part B premium (2026)

$283/yr

Part B deductible (2026)

$1,736

Part A hospital deductible (2026)

These federal Medicare amounts apply no matter which Medigap plan or carrier you choose.

6 Things That Determine Your Medigap Premium

Two Florida neighbors with the same plan letter can pay very different premiums. Here's why.

Your Age at Purchase

Florida's issue-age law means the age you buy at sets your rate basis for life. A 65-year-old buyer pays less — permanently — than someone who first enrolls at 70.

Your ZIP Code

Carriers price by region. Rates in Polk County often differ from Miami-Dade or Orlando for the identical plan. Quotes must be run for your actual ZIP.

Gender & Tobacco Status

Women typically pay slightly less than men. Tobacco users pay meaningfully more with most carriers — often 10–25% above non-tobacco rates.

The Carrier You Choose

The single biggest controllable factor. Identical Plan G coverage can vary $50+/month between Florida carriers. Comparing 3–4 carriers is the fastest way to save.

Discounts

Household discounts (5–12% with many carriers when a spouse also enrolls), annual-pay, and bank-draft discounts can shave real dollars off the sticker rate.

Plan Letter

More coverage costs more. Plan G tops the range, Plan N sits in the middle, and High-Deductible G is the budget anchor. All use the same doctors — any provider that accepts Medicare.

Why Florida Is Different

Florida Locks Your Rate to Your Enrollment Age

Florida is one of just a few states that requires issue-age rating on all Medigap policies. Buy at 65 and you keep the 65-year-old rate basis forever — there are no automatic birthday increases. In attained-age states (most of the country), the same policy gets more expensive every year you age.

The flip side: waiting is expensive in Florida. First enrolling at 70 means a permanently higher rate basis than enrolling at 65. Combined with the 6-month open enrollment window (when acceptance is guaranteed regardless of health), the math strongly favors enrolling as soon as you're eligible.

4 Proven Ways to Pay Less for Medigap in Florida

Compare at least 3–4 carriers before you buy

Identical coverage, different prices. This one step routinely saves $30–$60/month. An independent agency runs this comparison in a single call — free.

Enroll during your 6-month open enrollment window

Guaranteed acceptance, no health questions, and Florida's issue-age law locks in your lowest lifetime rate basis. Every month you wait can cost you.

Ask about household discounts

If your spouse or another adult in your home enrolls with the same carrier, many Florida insurers knock 5–12% off both premiums.

Re-shop your existing policy every year or two

If your health is reasonably good, you may pass underwriting with a cheaper carrier and keep the exact same plan letter. We check this free for existing policyholders.

Currently on Medicare Advantage and weighing a move to Medigap?

Costs work very differently — and so do the enrollment rules.

Medigap Cost Questions, Answered

What Florida seniors ask us most about Medicare Supplement pricing.

For a 65-year-old non-tobacco user enrolling during open enrollment, most Florida Medigap premiums fall between $90 and $250 per month in 2026. Plan N typically runs $90–$180, Plan G runs $150–$250, and High-Deductible Plan G can be as low as $40–$85. Your exact rate depends on your age, ZIP code, gender, tobacco status, and the carrier you choose.

Stop Guessing — See Your Real Rates

One call gets you exact Medigap quotes for your age and ZIP code from every major Florida carrier. Free, fast, and zero pressure.