Best Medicare Supplement Plans in Ohio 2026
Ohio has some of the lowest Medigap premiums in the country - Plan G starts at just $106/mo in Columbus. We compared 30+ carriers to find the best coverage for Ohio's ~600,000 Medigap enrollees.
Ohio Has Some of the Lowest Medigap Premiums in the Country
Plan G in Columbus starts at just $106/mo/mo - compared to $166/mo in California and $362/mo in New York. Ohio's competitive insurance market and lower healthcare costs make it one of the most affordable states for Medicare Supplement coverage. Plan G adoption in Ohio (49%) is among the highest in the Midwest, reflecting strong awareness of its value.
More than 600,000 people in Ohio have Medicare Supplement Insurance, or Medigap. Ohio stands out as one of the most affordable states for Medigap coverage - Plan G starts at just $106 per month in Columbus, compared to $166 in California and $362 in New York. Ohio's competitive insurance market, with over 30 carriers licensed in the state, keeps premiums low and gives enrollees strong options.
Plan G is the most popular Medicare Supplement plan in Ohio, chosen by 49% of Medigap enrollees - one of the highest adoption rates in the Midwest. It covers all out-of-pocket costs except the annual Part B deductible ($283 in 2026). Ohio 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.
Compare the Best Medicare Supplement Plans in Ohio
Our top-rated Medigap carriers in Ohio, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in Columbus. Rates in Cleveland, Cincinnati, and other regions may vary.
State Farm
Plan G
$155/mo
Plan N
$118/mo
AM Best
A++
Plans
6 types
AARP/UnitedHealthcare
Plan G
$127/mo
Plan N
$89/mo
AM Best
A+
Plans
8 types
HealthSpring (formerly Cigna)
Plan G
$106/mo
Plan N
$77/mo
AM Best
A
Plans
4 types
Anthem Blue Cross Blue Shield
Plan G
$138/mo
Plan N
$128/mo
AM Best
A
Plans
4 types
Mutual of Omaha
Plan G
$134/mo
Plan N
$89/mo
AM Best
A+
Plans
4 types
Medicare Supplement Prices in Ohio
Sample monthly premiums from our top-scoring carriers. Rates shown are for a 65-year-old female nonsmoker in Columbus and include available household discounts. Ohio uses attained-age rating - premiums will increase as you age. Cleveland and Cincinnati rates may differ slightly.
| Insurance Company | Plan G Monthly | Plan N Monthly | MedicareFAQ Score |
|---|---|---|---|
| State Farm | $155 | $118 | 4.9 |
| AARP/UnitedHealthcare | $127 | $89 | 4.7 |
| HealthSpring (formerly Cigna) | $106 | $77 | 4.5 |
| Anthem Blue Cross Blue Shield | $138 | $128 | 4.4 |
| Mutual of Omaha | $134 | $89 | 4.3 |
Lowest available in Ohio (Columbus): Plan G from $106/mo | Plan N from $77/mo | Source: CMS Medicare Plan Finder, NerdWallet Feb 2026
Plan G vs. Plan N in Ohio
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in Ohio. 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 (Columbus) | $132/mo | $97/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.
Ohio's low premiums are a real advantage - but the cheapest option isn't always the best choice. HealthSpring offers the lowest Plan G in Ohio at $106/mo, but has a far-higher-than-expected complaint rate. AARP/UnitedHealthcare at $127/mo offers a much better complaint record and 8 plan types - that $21/mo difference buys you significantly better service quality. Also worth noting: Medical Mutual of Ohio (not in our top 5) holds 19.3% of Ohio's Medigap market and is a strong local option worth comparing. Always get at least 3 quotes before enrolling.
Ohio 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 Ohio.
No Birthday Rule in Ohio
Ohio 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, Ohio enrollees can only switch Medigap plans after their OEP by passing medical underwriting. This makes your initial enrollment decision especially important.
Attained-Age Rating
Ohio 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. Even though Ohio's starting premiums are among the lowest in the country, enrolling during your OEP at age 65 is still the best strategy to lock in the lowest possible starting rate.
OSHIIP - Free Medicare Counseling
OSHIIP (Ohio Senior Health Insurance Information Program) is Ohio's State Health Insurance Assistance Program (SHIP). It provides free, unbiased Medicare counseling from trained volunteers. OSHIIP counselors can help you compare Medigap plans, understand your options, and navigate enrollment. The program is available to all Ohio Medicare beneficiaries and their families.
Medical Mutual of Ohio - A Notable Local Carrier
Medical Mutual of Ohio is the second-largest Medigap carrier in Ohio with 19.3% market share, behind only AARP/UnitedHealthcare. As an Ohio-based insurer founded in 1934, it has deep roots in the state and strong local recognition. While not included in NerdWallet's national ratings, it is worth comparing alongside national carriers when shopping for Medigap in Ohio.
Regulated by the Ohio Department of Insurance
All Medigap plans in Ohio are regulated by the Ohio Department of Insurance (ODI). The ODI maintains consumer resources for comparing plans and handles complaints against carriers. Ohio 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 and outlook stability. A++ carriers score highest.
Pricing Competitiveness
Plan G and Plan N premiums compared to the Ohio state average for a 65-year-old female nonsmoker in Columbus.
Plan Availability
Number of standardized Medigap plan letters offered in Ohio.
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: February 2026 | Data sources: CMS Medicare Plan Finder, AM Best, NAIC Complaint Database, NerdWallet, Ohio Department of Insurance
Frequently Asked Questions
Find the Best Medigap Rate in Your Ohio ZIP Code
Ohio has some of the lowest Medigap premiums in the country. 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.