Best Medicare Supplement Plans in Connecticut 2026
Connecticut is one of only two states in the country that requires Medigap plans to be community-rated and available on a guaranteed-issue basis year-round. You can switch plans at any time without medical underwriting. Plan G starts at $330/mo per the Connecticut DOI rate chart.
Connecticut Requires Guaranteed Issue Year-Round: You Can Switch Medigap Plans Any Time
Connecticut is one of only two states (along with New York) that requires Medigap carriers to accept all applicants on a guaranteed-issue basis at all times of year. No carrier can deny your application, charge higher premiums, or impose waiting periods based on your health history. This means you can switch to a lower-cost plan whenever you find a better rate. Connecticut seniors should shop their Medigap premiums every year.
Connecticut stands apart from nearly every other state in the country when it comes to Medigap rules. The state requires all Medicare Supplement plans to be community-rated (same premium regardless of age) and available on a guaranteed-issue basis year-round (no medical underwriting at any time). Only New York shares both of these protections.
The trade-off is that Connecticut Medigap premiums are among the highest in the country. Plan G averages around $333/mo in Hartford compared to $168/mo in Arkansas or $137/mo in Alaska. This is because carriers must accept all applicants regardless of health, spreading the risk across everyone. However, your premium will never increase just because you get older.
The Connecticut Insurance Department publishes an official rate chart showing every approved premium from every carrier in the state. The lowest standard Plan G is $248/mo from United American, and Omaha Insurance offers a High-Deductible Plan G at just $59.27/mo for healthy seniors who want to minimize monthly costs.
Compare the Best Medicare Supplement Plans in Connecticut
Our top-rated Medigap carriers in Connecticut, ranked by the MedicareFAQ Score. All rates are from the Connecticut DOI official rate chart (updated March 2026) and are community-rated, meaning they apply at any age.
First Health Life and Health Insurance
Plan G
$330/mo
Plan N
$174/mo
AM Best
A
First Health Life and Health Insurance offers the lowest Plan G in Connecticut at $330/mo per the Connecticut DOI rate chart, with an A AM Best rating. Their Plan N at $174/mo is also among the lowest in the state. Because Connecticut requires community rating and guaranteed issue, First Health is an excellent choice for any Connecticut senior regardless of age or health history.
Transamerica Life Insurance
Plan G
$294/mo
Plan N
$239/mo
AM Best
A
Transamerica offers a competitive Plan G at $294/mo in Connecticut with an A AM Best rating. They also offer Plans K ($127/mo) and L ($207/mo) for cost-sharing options, plus Plan M at $255/mo. Transamerica is the best overall value for Connecticut seniors who want a strong carrier with a broad range of plan types.
United American Insurance
Plan G
$248/mo
Plan N
$242/mo
AM Best
A
United American Insurance offers the lowest Plan N in Connecticut at $242/mo and the lowest Plan K at $135/mo per the Connecticut DOI rate chart. Their Plan G at $248/mo is also competitive. United American carries an A AM Best rating and offers 9 plan types including high-deductible Plans F and G. They are the top pick for Connecticut seniors who want the widest plan selection.
AARP / UnitedHealthcare
Plan G
$333/mo
Plan N
$247/mo
AM Best
A
AARP/UnitedHealthcare offers Plan G at $333/mo and Plan N at $247/mo in Connecticut through their group plan structure. The AARP brand is the most recognized in Medicare nationwide, and UHC carries an A AM Best rating. While not the lowest-priced option in Connecticut, AARP/UHC is a strong choice for seniors who value brand recognition and a large national network.
Omaha Insurance Company
Plan G
$462/mo
Plan N
$317/mo
AM Best
A+
Omaha Insurance Company (a Mutual of Omaha subsidiary) offers the lowest High-Deductible Plan G in Connecticut at $59.27/mo per the DOI rate chart. Their standard Plan G at $462/mo is the highest in the state, but the HDG option is a standout for healthy Connecticut seniors who want to minimize monthly premiums. Omaha carries an A+ AM Best rating.
Connecticut Medigap Rates: Official DOI Rate Chart
Monthly premiums from the Connecticut Insurance Department official rate chart (updated March 2026). All rates are community-rated and apply regardless of age. The asterisk on Omaha HDG indicates the high-deductible option with a $2,950 deductible before benefits pay.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| First Health Life and Health | $330 | $174 | $295 |
| Transamerica Life | $294 | $239 | $467 |
| United American | $248 | $242 | $452 |
| AARP / UnitedHealthcare (group) | $333 | $247 | $566 |
| Medco Containment (Cigna) | $363 | $260 | $420 |
| Washington National | $430 | $312 | $377 |
| Omaha Insurance (HDG) | $59* | $317 | N/A |
| USAA Life | $558 | $237 | $367 |
| Anthem Blue Cross Blue Shield | $332 | $239 | $366 |
*Omaha HDG is the High-Deductible Plan G at $59.27/mo. Requires meeting a $2,950 deductible (2026) before benefits pay. All rates are community-rated and apply regardless of age. Source: Connecticut Insurance Department official rate chart, updated March 2026.
Standard Plan G vs. High-Deductible Plan G in Connecticut
Because Connecticut requires guaranteed issue year-round, you can always switch from High-Deductible Plan G to standard Plan G later if your health needs change. This makes HDG a lower-risk option in Connecticut than in most other states.
| Feature | Standard Plan G | High-Deductible Plan G |
|---|---|---|
| Monthly premium (lowest CT rate) | $248/mo (United American) | $59/mo (Omaha) |
| Annual deductible before benefits pay | None | $2,950 (2026) |
| Part A hospital coinsurance | Covered immediately | After deductible |
| Part B coinsurance (20%) | Covered immediately | After deductible |
| Part B excess charges | Covered immediately | After deductible |
| Part B deductible ($283) | Not covered | Not covered |
| Best for | Frequent medical care, predictable costs | Healthy seniors, low monthly costs |
| Can switch to standard Plan G later? | N/A | Yes, any time (CT guaranteed issue) |
Connecticut is the best state in the country for Medigap flexibility. Because the state requires guaranteed issue year-round, you can switch plans any time without medical underwriting. That means you should shop your rate every year. If you find a lower premium for the same plan letter from a different carrier, you can switch immediately with no risk of denial. Start with United American Plan G at $248/mo or First Health at $330/mo for the lowest standard premiums. If you are healthy and want to minimize monthly costs, Omaha HDG at $59/mo is an excellent option because you can always switch to standard Plan G later if your health changes. Connecticut seniors have more flexibility than almost anyone else in the country.
Connecticut Medigap Rules You Should Know
Community Rating: Your Age Does Not Affect Your Premium
Connecticut requires all Medigap plans to be community-rated, meaning every enrollee pays the same premium for the same plan regardless of age, gender, or health status. A 65-year-old and an 85-year-old pay the same monthly rate. This is one of the most consumer-friendly Medigap rules in the country and is one of only a handful of states with this requirement.
Guaranteed Issue Year-Round: No Medical Underwriting Allowed
Connecticut is one of only two states (along with New York) that requires Medigap plans to be available on a guaranteed-issue basis at all times. Carriers cannot deny you coverage, charge higher premiums, or impose waiting periods based on your health history, at any time of year. This means you can switch Medigap plans at any time without fear of being denied.
You Can Switch Medigap Plans Any Time of Year
Because Connecticut requires guaranteed issue year-round, you can switch from one Medigap plan to another at any time without going through medical underwriting. This is a significant advantage over most states, where switching outside of your Open Enrollment Period requires health questions and can result in denial. Connecticut seniors should shop their rates annually.
Premiums Are Higher Due to Community Rating
The trade-off for community rating and guaranteed issue is that Connecticut Medigap premiums are among the highest in the country. Plan G averages around $333/mo in Connecticut compared to $168/mo in Arkansas or $137/mo in Alaska. This is because carriers must accept all applicants regardless of health, so they spread the risk across all enrollees.
High-Deductible Plan G Is Available and Very Affordable
Connecticut carriers offer High-Deductible Plan G (HDG) at community-rated premiums. Omaha Insurance offers HDG at just $59.27/mo, making it one of the most affordable Medigap options in the state. HDG requires you to pay a $2,950 deductible (2026) before benefits kick in, but the monthly savings can be substantial for healthy seniors.
Free Help via Connecticut CHOICES Program
Connecticut's CHOICES program (Connecticut's program for Health insurance assistance, Outreach, Information and referral, Counseling, Eligibility Screening) provides free, unbiased Medicare counseling. Call 1-800-994-9422 to speak with a trained counselor. There is no cost and counselors do not sell insurance. You can also visit the Connecticut Insurance Department at portal.ct.gov/cid.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
Claims-paying ability and long-term stability
Customer Satisfaction
NAIC complaint ratios and member satisfaction surveys
Premium Competitiveness
Plan G and Plan N rates vs. Connecticut DOI-approved rates
Plan Availability
Number of plan types offered in Connecticut
Discounts and Value
HDG options, group plan benefits, and added value
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, Connecticut Insurance Department official rate chart (March 2026), CMS Medicare Plan Finder
Frequently Asked Questions
Compare Connecticut Medigap Rates and Switch Any Time
Connecticut requires guaranteed issue year-round, so you can switch Medigap plans at any time without medical underwriting. Plan G starts at $248/mo. HDG Plan G starts at $59/mo. Compare all carriers before enrolling or switching.