How Much Does Medigap Cost in Florida?

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.

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.

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.

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.

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.

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.

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.