Best Medicare Supplement Plans in Florida 2026
We compared 28+ Medigap carriers in Florida based on pricing, financial strength, complaint records, and more to find the best options for Florida seniors.
Nearly 930,000 Floridians have Medicare Supplement Insurance, or Medigap. Medigap plans help cover certain out-of-pocket expenses like copays, coinsurance, and deductibles left over after Medicare pays for covered services. With over 4.8 million Medicare beneficiaries in the state, Florida is one of the largest and most competitive Medigap markets in the country.
Many companies offer Medigap plans in Florida, but only a few earn top marks on our data-driven ratings. We compared companies based on prices, financial strength, complaint rates, plan availability, and discount options to find the best Medigap plans in Florida for 2026.
Compare the Best Medicare Supplement Plans in Florida
Our top-rated Medigap carriers in Florida, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in Jacksonville, FL.
State Farm
Plan G
$210/mo
Plan N
$160/mo
AM Best
A++
Plans
6 types
AARP/UnitedHealthcare
Plan G
$228/mo
Plan N
$195/mo
AM Best
A+
Plans
8 types
Mutual of Omaha
Plan G
$243/mo
Plan N
$177/mo
AM Best
A+
Plans
4 types
HealthSpring (formerly Cigna)
Plan G
$259/mo
Plan N
$193/mo
AM Best
A
Plans
4 types
Aetna (CVS Health)
Plan G
$248/mo
Plan N
$185/mo
AM Best
A
Plans
5 types
Medicare Supplement Prices in Florida
Sample monthly premiums from our top-scoring carriers. Rates shown are for a 65-year-old female nonsmoker in Jacksonville, FL and include available household discounts. Actual rates vary by ZIP code, age, gender, and health status.
| Insurance Company | Plan G Monthly | Plan N Monthly | MedicareFAQ Score |
|---|---|---|---|
| State Farm | $210 | $160 | 4.9 |
| AARP/UnitedHealthcare | $228 | $195 | 4.7 |
| Mutual of Omaha | $243 | $177 | 4.5 |
| HealthSpring (formerly Cigna) | $259 | $193 | 4.3 |
| Aetna (CVS Health) | $248 | $185 | 4.2 |
Lowest available in Florida: Plan G from $194/mo | Plan N from $144/mo
Plan G vs. Plan N in Florida
Plan G and Plan N are the two most popular Medicare Supplement plans in Florida. Here is how they compare for Florida beneficiaries.
| Coverage Feature | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered* |
| Part A deductible ($1,676) | Covered | Covered |
| Part B deductible ($257) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Avg. monthly premium (FL) | $237/mo | $180/mo |
*Plan N covers Part B coinsurance but may charge up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission.
Florida has no birthday rule. Unlike California, Oregon, and Illinois, Florida does not give you an annual window to switch Medigap plans without medical underwriting. That means your initial Open Enrollment Period - the 6 months after you turn 65 and enroll in Part B - is your best chance to lock in the right plan at the best rate, no health questions asked.
Florida Medigap Rules You Should Know
No Birthday Rule in Florida
Unlike California, Oregon, and Illinois, Florida does not offer an annual guaranteed-issue window to switch Medigap carriers. Once your initial 6-month Open Enrollment Period ends, you will need to pass medical underwriting to change plans. This makes choosing the right carrier from the start especially important.
30-Day Free-Look Period
Florida law provides a 30-day free-look period for all new Medigap policies. If you are not satisfied with your plan within the first 30 days, you can cancel for a full refund of any premiums paid.
Rating Methods in Florida
Most Florida Medigap carriers use attained-age rating, meaning premiums increase as you get older. Some carriers offer issue-age or community-rated plans where your premium is based on the age you first enrolled. Ask about rating type when comparing quotes, as it affects long-term costs significantly.
Large Senior Population Means More Competition
With 4.8 million Medicare beneficiaries, Florida is one of the largest Medigap markets in the country. This means more carriers compete for your business, resulting in competitive premiums and more plan options than most states.
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 rating and outlook stability. A++ carriers score highest.
Pricing Competitiveness
Plan G and Plan N premiums compared to the Florida state average for a 65-year-old.
Plan Availability
Number of standardized Medigap plan letters offered in Florida.
Consumer Satisfaction
NAIC complaint ratio relative to market share and customer review sentiment.
Discounts & Value
Household, loyalty, payment mode, and other available premium discounts.
Last updated: January 2026 | Data sources: CMS Medicare Plan Finder, AM Best, NAIC Complaint Database
Frequently Asked Questions
Find the Best Medigap Rate in Your Area
Medigap premiums vary significantly by ZIP code in Florida. Enter yours to see exact rates from all available carriers, compare plans side by side, and find the best value for your coverage needs.