Best Medicare Supplement Plans in Michigan 2026
Plan G starts at just $99/mo in Grand Rapids. We compared 30+ carriers to find the best coverage for Michigan's ~375,000 Medigap enrollees - from Detroit to the Upper Peninsula.
High-Deductible Plan G: Michigan's Budget-Friendly Alternative
High-Deductible Plan G (HDG) is a popular option in Michigan for budget-conscious enrollees. It offers the same comprehensive coverage as standard Plan G, but you pay a $2,870 deductible in 2026 before the plan pays anything. In exchange, monthly premiums can be as low as $40-60/mo - significantly less than standard Plan G. HDG is worth considering if you are generally healthy and have savings to cover the deductible. Mutual of Omaha offers HDG in Michigan.
Nearly 375,000 people in Michigan have Medicare Supplement Insurance, or Medigap. Michigan is home to one of the most competitive Medigap markets in the Midwest - Plan G starts at just $99 per month in Grand Rapids, and over 30 carriers are licensed to sell Medigap in the state. Detroit, Grand Rapids, Ann Arbor, and Lansing each have slightly different premium ranges, so your ZIP code matters when comparing rates.
Plan G is the most popular Medicare Supplement plan in Michigan, chosen by 47% of Medigap enrollees. It covers all out-of-pocket Medicare costs except the annual Part B deductible ($283 in 2026). Michigan uses attained-age rating, meaning premiums increase as you age, so enrolling during your 6-month Open Enrollment Period at age 65 is the best way to lock in the lowest possible rate. High-Deductible Plan G is also available in Michigan for enrollees who want lower monthly premiums in exchange for a higher deductible.
Compare the Best Medicare Supplement Plans in Michigan
Our top-rated Medigap carriers in Michigan, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in Grand Rapids. Rates in Detroit, Ann Arbor, Lansing, and other regions may vary.
State Farm
Plan G
$128/mo
Plan N
$96/mo
AM Best
A++
Plans
6 types
AARP/UnitedHealthcare
Plan G
$143/mo
Plan N
$108/mo
AM Best
A
Plans
9 types
HealthSpring (Cigna)
Plan G
$99/mo
Plan N
$72/mo
AM Best
A
Plans
4 types
Mutual of Omaha
Plan G
$138/mo
Plan N
$104/mo
AM Best
A+
Plans
6 types
Wellabe
Plan G
$113/mo
Plan N
$84/mo
AM Best
A-
Plans
4 types
Medicare Supplement Prices in Michigan
Sample monthly premiums from our top-scoring carriers. Rates shown are for a 65-year-old female nonsmoker in Grand Rapids and include available household discounts. Michigan uses attained-age rating - premiums will increase as you age. Detroit and Ann Arbor rates may be slightly higher.
| Insurance Company | Plan G Monthly | Plan N Monthly | MedicareFAQ Score |
|---|---|---|---|
| State Farm | $128 | $96 | 4.9 |
| AARP/UnitedHealthcare | $143 | $108 | 4.7 |
| HealthSpring (Cigna) | $99 | $72 | 4.5 |
| Mutual of Omaha | $138 | $104 | 4.4 |
| Wellabe | $113 | $84 | 4.2 |
Lowest available in Michigan (Grand Rapids): Plan G from $99/mo | Plan N from $72/mo | Source: FairSquare Medicare, CMS Medicare Plan Finder, Feb 2026
Plan G vs. Plan N in Michigan
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in Michigan. Here is how they compare.
| Coverage Feature | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered* |
| Part A deductible ($1,736) | Covered | Covered |
| Part B deductible ($283) | 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 (Grand Rapids) | $128/mo | $96/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.
In Michigan, the cheapest Plan G is $99/mo from HealthSpring - but their complaint rate is far higher than expected. Wellabe at $113/mo offers a much better complaint record for just $14 more per month. Also worth knowing: BCBS Michigan (not in our top 5) dominates the state's health insurance market and is worth getting a quote from. And if you are generally healthy and want to minimize monthly costs, ask about High-Deductible Plan G from Mutual of Omaha - premiums can be as low as $40-60/mo, though you will pay a $2,870 deductible before coverage kicks in. Always get at least 3 quotes before enrolling.
Michigan Medigap Rules You Should Know
6-Month Open Enrollment Period
Your Medigap Open Enrollment Period is a one-time 6-month window that starts the first month you are 65 or older and enrolled in Medicare Part B. During this period, carriers cannot deny you coverage or charge more due to pre-existing health conditions. This is the best time to enroll in Medigap in Michigan.
No Birthday Rule in Michigan
Michigan does not have a birthday rule. Unlike California, which allows enrollees to switch to an equal or lesser plan during a 60-day window each year around their birthday, Michigan enrollees can only switch Medigap plans after their OEP by passing medical underwriting. This makes your initial enrollment decision especially important.
Attained-Age Rating
Michigan uses attained-age rating, which means your Medigap premium increases as you get older. Premiums are based on your current age and rise each year. Enrolling during your OEP at age 65 is the best strategy to lock in the lowest possible starting rate.
High-Deductible Plan G - A Unique Michigan Option
High-Deductible Plan G (HDG) is available in Michigan and is particularly popular among budget-conscious enrollees. HDG offers the same coverage as standard Plan G, but requires you to pay a $2,870 deductible in 2026 before the plan pays anything. Monthly premiums for HDG can be as low as $40-60/mo - significantly less than standard Plan G. Mutual of Omaha is the leading HDG carrier in Michigan.
MMAP - Free Medicare Counseling
MMAP (Medicare/Medicaid Assistance Program) is Michigan's State Health Insurance Assistance Program (SHIP). It provides free, unbiased Medicare counseling from trained volunteers. MMAP counselors can help you compare Medigap plans, understand your options, and navigate enrollment at no cost. Call 1-800-803-7174 to reach MMAP.
BCBS Michigan - The Dominant Local Carrier
Blue Cross Blue Shield of Michigan is the dominant health insurer in the state, covering approximately 50% of Michigan's overall health insurance market. While not included in our top 5 nationally-rated picks, BCBS Michigan is a well-recognized local option with deep roots in the state. It is worth getting a quote from BCBS Michigan when shopping for Medigap coverage.
Regulated by the Michigan DIFS
All Medigap plans in Michigan are regulated by the Michigan Department of Insurance and Financial Services (DIFS). The DIFS maintains consumer resources for comparing plans and handles complaints against carriers. Michigan also enforces a 30-day free-look period, allowing you to return a new policy for a full refund if you are not satisfied.
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)
AM Best financial strength rating, indicating the carrier's ability to pay claims.
Customer Complaints (NAIC Complaint Index)
NAIC complaint index compared to industry average. Lower is better.
Premium Competitiveness
Plan G and Plan N premiums relative to market average for a 65-year-old female nonsmoker.
Plan Availability
Number of Medigap plan types offered in Michigan.
Discounts & Extra Benefits
Household discounts, gym memberships, and other value-add benefits.
Last updated: February 2026 | Data sources: NAIC, AM Best, CMS Medicare Plan Finder, NerdWallet
Frequently Asked Questions
Find the Best Medigap Rate in Your Michigan ZIP Code
Michigan has a competitive Medigap market with Plan G starting at just $99/mo in Grand Rapids. Enter your ZIP code to see exact rates from all available carriers in your area - and remember, your Open Enrollment Period is the best time to lock in coverage without medical underwriting.