Compare Medigap Companies
Compare Medigap companies side by side using carrier-level context and representative verified evidence. Then get current quotes for the same plan letter in your state, because premiums, discounts, underwriting and exact availability depend on the applicant and location.
Choose Medigap companies to compare
Search Medigap companies, then select two or three to compare. Use the company comparison to narrow the field, then get current quotes for the same plan letter in your state.
AARP / UnitedHealthcare Medicare Supplement
Best for People who value broad Medigap plan choice and discount opportunities and are comfortable verifying the exact UnitedHealthcare insurer and state-specific terms
Aetna Medicare Supplement
Best for People who want a broad Aetna Medigap menu and documented household discounts and are comfortable enrolling with a licensed agent
HealthSpring Medicare Supplement
Best for Price-focused people willing to compare state-specific discounts and complete the application online when that produces the lowest final premium
Humana Medicare Supplement
Best for People who want a broad Humana Medigap menu and online enrollment options and receive a competitive local Plan G or Plan N quote
Mutual of Omaha
Best for People comparing standard or high-deductible Plan G who also value online application access and documented household-discount opportunities
State Farm
Best for People who want Plan G or Plan N from an agent-led carrier and receive a competitive State Farm quote in their state
Wellabe Medicare Supplement
Best for People who can qualify for Wellabe's state-specific household discounts and want to compare Plan G, Plan N or high-deductible Plan G
Compare Medigap companies
Compare carrier-level context and representative verified Medigap evidence. Exact premiums, discounts, underwriting and plan availability still depend on your state and applicant profile.
Compare the same Medigap letter before you compare the companies
The most useful Medigap company comparison starts with one decision already made: which standardized plan design are you shopping for? In most states, policies with the same letter provide the same standardized basic benefits regardless of the insurance company that sells them. That means a Plan G comparison should be Plan G against Plan G, and a Plan N comparison should be Plan N against Plan N. Mixing plan letters can make one company look cheaper or more generous when the real difference is the plan design rather than the insurer.
This page is therefore built to compare companies, not to turn the carrier table into a second benefit chart. The Plan G and Plan N rows show representative seeded availability context, while the company rows focus on the areas where insurers can still differ: price, pricing structure, discounts, geographic availability, legal issuing entity and the long-term ownership experience. Exact premiums stay out of the national carrier table because Medigap prices depend on state, applicant and policy details.
If you are still deciding between plan letters, make that decision before assigning too much weight to the company comparison. Plan G generally appeals to people who want broader Part B protection and fewer visit-level costs. Plan N can reduce premiums by leaving certain office and emergency room copayments with the member and by not covering Part B excess charges. High-deductible Plan G shifts even more cost to the member before the supplement begins paying in exchange for a lower premium.
Once the plan letter is fixed, company differences become easier to interpret. A higher Plan G premium does not buy a richer standardized Plan G medical benefit. It must be justified by something outside the standardized benefit package. That is the central discipline behind this Compare page: compare like with like first, then decide whether the carrier-level differences are worth the price quoted to you.
The carrier table cannot replace the quote because Medigap pricing is local and applicant-specific
Medicare notes that premiums for the same Medigap letter can vary widely among insurance companies. That makes price one of the most important differences between carriers, but it also makes price unsafe to present as one national company figure. The quote available to you can depend on where you live, your age, tobacco status, household circumstances, the policy's pricing method, enrollment timing, underwriting and discounts permitted in your state.
A useful comparison therefore separates company context from transaction-specific price. The carrier table can tell you which companies have verified representative Plan G or Plan N evidence, whether a sampled high-deductible Plan G option exists, which state supplied the representative evidence and which legal insurer issued that sampled policy. It cannot responsibly tell every reader that one company costs a fixed dollar amount nationally.
After you narrow the field to two or three companies, request current quotes using the same plan letter, applicant information, effective date and payment assumptions. Make sure every quote reflects the same tobacco status and household details. Ask whether the amount already includes a household or automatic-payment discount. If a quote is shown before underwriting, confirm whether the final premium can change after the application is reviewed.
Then compare annual rather than just monthly cost. A $15 monthly difference is $180 over a full year. A $40 monthly difference is $480. Standardized benefits make that arithmetic unusually meaningful because the core plan-letter coverage is not richer merely because one insurer charges more. The carrier review and comparison can help explain reasons you might still prefer the higher-priced policy, but the current quote remains the number that closes the price decision.
Compare how each policy is priced, not just what it costs today
Medigap policies may be community-rated, issue-age-rated or attained-age-rated, subject to state rules and insurer practice. These labels describe how age is used in pricing, which can matter over a policy you may keep for many years. They do not guarantee a flat premium, but they help explain one source of future changes.
Community-rated policies generally do not charge one person more simply because that person is older than another policyholder in the same rating class. Issue-age-rated policies use your age when you first buy the policy, so later birthdays do not directly increase the age component. Attained-age-rated policies can reflect your current age, meaning age can contribute to future premium increases as you get older.
Any of these policies can still increase for other reasons. Inflation, claims experience, approved rate changes and other permitted factors can affect premiums. That is why the pricing method should not be turned into a simplistic best-to-worst ranking. A very competitive attained-age quote can still be attractive. An issue-age policy can still rise. The useful question is whether today's premium and the way it is structured make sense together.
Ask each company how the policy is rated in your state and what can cause the premium to change. If the answer is not clear, request the explanation in writing before buying. This becomes more important outside protected switching windows because moving to another company later can involve medical underwriting. The opening price matters, but a Medigap comparison should also help you understand what kind of price you are agreeing to own.
Discounts should be compared as part of the premium, not as marketing extras
Household discounts, automatic-payment savings, non-tobacco rates and other permitted discounts can materially change the final Medigap premium. Because the standardized benefit package is the same for a given letter, a durable discount can improve value without reducing the medical coverage. That makes discount rules more important in Medigap than they may appear at first glance.
The percentage alone is not enough. A 10% discount on a high base rate can still leave a policy more expensive than a competitor that advertises no discount at all. Compare the final premium after every discount you actually qualify for. Then ask what conditions keep the discount in force. A household discount may depend on another resident, another policyholder, a spouse or a specific co-residency rule. Automatic-payment savings depend on maintaining the required payment arrangement.
The comparison table uses representative state-scoped discount context where it has been verified. That wording is intentionally narrow. A discount observed in a sampled state is not a promise that the same percentage or eligibility rule applies everywhere. Company affiliates and state filings can produce different programs across jurisdictions.
When the premium difference between two companies is small, discount durability can decide the result. A discount that is likely to remain available while you continue meeting simple conditions can have meaningful long-term value. A temporary or fragile discount should receive less weight. Ask for both the discounted and undiscounted rate so you know what happens if the qualifying circumstance changes later.
Use the sample-state rows as evidence boundaries, not as national availability claims
MarketReview's current Medigap canonical inventory was intentionally seeded for representative breadth rather than exhaustive state-by-state rate coverage. Each launch company has verified representative policy evidence in a specific jurisdiction. That is why the comparison includes a Sample state row and a Policy issued by row.
Those rows do two jobs. First, they show where the current evidence came from. If Plan G or Plan N is marked available, the statement is tied to the representative state evidence rather than being presented as a blanket nationwide promise. Second, the issuer row identifies the legal insurance company behind the sampled policy, which can differ from the consumer-facing brand used in national marketing.
The boundary is especially important for high-deductible Plan G and discounts. A sampled state can confirm that a high-deductible option exists there, or that a particular discount program was verified there, without proving that the same option is sold everywhere. Where national availability is intentionally unknown, the comparison uses wording such as Varies by state rather than pretending missing evidence means the product is unavailable.
Use this context to decide which company deserves a local quote, not to skip the local check. Before applying, confirm that the exact standardized plan letter is currently offered in your state, that the quoted insurer matches the policy documents and that the discount or high-deductible option still applies to your circumstances. Representative evidence makes the carrier comparison honest and useful without turning MarketReview into a fake nationwide rate database.
Plan G and Plan N should be compared as different cost-sharing strategies
Many Medigap shoppers eventually narrow the benefit decision to Plan G and Plan N. The plans overlap substantially, but the remaining differences are important enough that they should be treated as different strategies rather than interchangeable versions of the same policy.
Plan G covers Medicare Part B excess charges, while Plan N does not. Plan N also permits copayments of up to $20 for some office visits and up to $50 for emergency room visits that do not result in inpatient admission. Both plans leave the annual Medicare Part B deductible with the member. The Part B deductible is $283 in 2026.
That means Plan N can be attractive when its premium is meaningfully lower and you are comfortable with the remaining visit-level costs and excess-charge exposure. Plan G can be worth a higher premium when you value more predictable Part B cost sharing or do not want to think as much about excess charges. The correct answer depends on the premium gap available to you rather than on a universal rule.
When comparing companies, first compare their Plan G quotes against one another or their Plan N quotes against one another. Only after you understand the company spread should you compare Plan G with Plan N. Otherwise, a low Plan N quote from one insurer and a high Plan G quote from another can exaggerate the apparent carrier difference. Keep plan design and carrier pricing separate, then combine them at the end.
High-deductible Plan G changes the cash-flow risk enough to deserve a separate comparison
High-deductible Plan G is available in some states and through some insurers. In 2026, the high-deductible amount is $2,950. You pay eligible Medicare-covered deductibles, copayments and coinsurance until the high-deductible amount is reached before the policy begins paying according to the high-deductible Plan G rules. You continue paying the Medigap premium during that period.
The attraction is typically a lower monthly premium. That can work well for someone who wants protection against a higher-cost year but is comfortable absorbing more routine Medicare cost sharing. Standard Plan G uses a different cash-flow model: a higher fixed premium in exchange for the supplement beginning to pay much sooner, apart from the Part B deductible.
Do not compare a high-deductible quote with a standard Plan G quote by looking only at the monthly premium. Convert the annual premium difference first. Then compare that saving with the additional amount you could have to pay in a high-use year. A large premium gap can justify the deductible for some shoppers. A small gap can make standard Plan G look much more attractive.
The table's High-deductible Plan G row is deliberately state-scoped. Available in sample state means the current canonical evidence supports that option in the representative market. Varies by state means national availability has not been asserted. Not listed in sample state means the representative evidence did not list it there. None of those phrases substitutes for a current quote in your state.
Switching risk can make the long-term company choice more important than a small first-year saving
Your Medigap Open Enrollment Period generally lasts six months and begins when you are 65 or older and enrolled in Medicare Part B. During that protected window, an insurer cannot refuse to sell you a Medigap policy it offers because of pre-existing health problems. That gives new Medigap buyers their strongest opportunity to compare broadly.
Outside protected circumstances, switching companies can be harder. Unless you have a federal guaranteed issue right or additional state protection, a new insurer may be allowed to use medical underwriting, charge more or decline the application. Some states provide broader switching rights, but the rules are not uniform.
This affects how you interpret small price differences. Saving a few dollars per month can be worthwhile, but it should not automatically outweigh a pricing structure or company relationship you are more comfortable keeping. If future switching might require underwriting, choose the initial policy with enough care that you are not already expecting to replace it after the first rate change.
If you already have Medigap and are shopping for a replacement, obtain approval for the new policy before cancelling the old one. Ask how your state handles switching and any free-look rights that apply. The carrier comparison helps you identify companies worth applying to. It cannot guarantee that a new insurer must accept you outside a protected enrollment or guaranteed issue situation.
Check the legal issuer when the consumer brand and policy company are not the same
A familiar Medigap brand may market policies through different legal insurance companies across states. Association-branded products can add another layer because the name consumers recognize may represent an endorsement or marketing relationship while a licensed insurer carries the contractual obligation. Large insurance groups can also use different subsidiaries in different jurisdictions.
The comparison table shows the legal issuer attached to MarketReview's representative seeded policy evidence. That makes complaint records, rate filings and policy documents easier to interpret. It does not mean the same affiliate necessarily issues every policy sold under the brand nationwide.
Before buying, compare the insurer name on the application, outline of coverage and policy with the company you researched. If you look up state complaint data or rate filings, use the legal issuing company rather than relying only on the marketing brand. That is often where the regulatory record lives.
This distinction should not be treated as a warning sign by itself. Using multiple licensed subsidiaries is common in insurance. The useful question is whether the relationship is transparent and whether the quote and documents identify the company that will actually be responsible for the policy. MarketReview keeps the consumer brand and legal issuer separate where the evidence supports that distinction so the comparison does not collapse two different roles into one name.
Do not pay extra for a standard Medigap network that does not actually exist
Standard Medigap works with Original Medicare, so provider access is fundamentally different from Medicare Advantage. In general, Original Medicare lets you see doctors and hospitals in the United States that accept Medicare. The Medigap policy then helps pay covered cost sharing according to the standardized letter. A standard Medigap company does not normally replace that access with its own conventional managed-care network.
That means a familiar insurer name or a large provider directory should not automatically justify a higher standard Medigap premium. The medical access comes primarily from Original Medicare. The company still matters for price, policy administration, service and long-term rate behavior, but the standardized supplement is not usually choosing your doctor network for you.
Medicare SELECT is the important exception. SELECT is a type of Medigap policy that can require use of certain hospitals and, in some cases, doctors for full supplemental benefits. A SELECT policy can have a lower premium, so confirm whether a particularly inexpensive quote is ordinary Medigap or Medicare SELECT before comparing it with another company's standard policy.
Plan N adds one more provider-related issue because it does not cover Part B excess charges. A provider who accepts Medicare assignment accepts the Medicare-approved amount as full payment for the covered service, subject to normal Medicare cost sharing. Where excess charges are permitted, a provider who does not accept assignment may be able to charge more. That is a Plan N design issue, not a network feature belonging to one carrier.
Compare the same plan letter, then compare the actual quotes
MarketReview Ratings are company-level editorial judgments supported by current Medigap evidence. They do not replace state-specific quotes, underwriting or standardized plan-letter comparisons.