Best Medicare Supplement Plans in Washington State 2026
Washington has over 200,000+ Medigap enrollees - Plan G starts at just $115 in Seattle. Washington's year-round switching rule lets you compare and switch plans any month with no health screening. We compared 25+ carriers to find the best coverage for the Evergreen State.
Washington Has a Year-Round Medigap Switching Rule - Better Than a Birthday Rule
Unlike most states where you are locked into your Medigap plan unless you pass medical underwriting, Washington allows enrollees in Plans B through N to switch to any other Plan B through N at any time of year with no health screening questionnaire. This is more powerful than a birthday rule (which only gives a 60-day window once per year). Use this rule to shop rates annually and switch to a lower-cost carrier whenever you find a better deal.
More than 200,000 people in Washington state have Medicare Supplement Insurance, or Medigap. Washington is home to over 1.1 million Medicare beneficiaries across Seattle, Spokane, Tacoma, Bellevue, and the broader Puget Sound region. With over 25 carriers licensed in the state, Washington offers a competitive Medigap market where Plan G starts at just $115 per month in Seattle through Regence BlueShield - dramatically cheaper than most other carriers in the state.
Plan G is the most popular Medicare Supplement plan for new enrollees in Washington. It covers nearly all Medicare out-of-pocket costs except the annual Part B deductible ($257 in 2026). Washington uses attained-age rating for most carriers, meaning premiums increase as you age - but Premera Blue Cross offers issue-age rating, where your premium is locked in at enrollment. Washington's year-round switching rule means you can compare rates and switch carriers any month, giving you ongoing flexibility that most states do not offer.
Compare the Best Medicare Supplement Plans in Washington
Our top-rated Medigap carriers in Washington, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in Seattle. Rates in Spokane, Tacoma, Bellevue, and other regions may vary.
Premera Blue Cross
Plan G
$138/mo
Plan N
$99/mo
AM Best
A
Premera Blue Cross is Washington's largest Medigap insurer with the deepest local agent network in the state. Issue-age rating is available, meaning your premium is set at enrollment and does not rise simply because you get older.
Regence BlueShield
Plan G
$115/mo
Plan N
$82/mo
AM Best
A-
Regence BlueShield offers the lowest Plan G premiums in most Washington markets at around $115/mo - dramatically cheaper than most competitors at $200 or more. As the Pacific Northwest BCBS affiliate, Regence has strong provider relationships throughout the state.
AARP/UnitedHealthcare
Plan G
$189/mo
Plan N
$141/mo
AM Best
A
AARP/UnitedHealthcare offers the widest plan selection in Washington and is the top choice for residents who travel frequently or spend winters in other states. Household discounts are available for couples.
Mutual of Omaha
Plan G
$172/mo
Plan N
$128/mo
AM Best
A+
Mutual of Omaha holds the highest financial strength rating (A+) of any top Washington carrier and is well-known for US-based customer service. Multiple discount options make it a strong value for couples and non-tobacco users.
Cigna Healthcare
Plan G
$225/mo
Plan N
$168/mo
AM Best
A
Cigna offers dental and vision bundle discounts that can offset the higher premium cost. A solid choice for Washington residents who want to combine Medigap with supplemental dental coverage under one carrier.
Medicare Supplement Prices in Washington State
Sample monthly premiums from top carriers in Seattle. Rates shown are for a 65-year-old female nonsmoker and may include available household discounts. Most Washington carriers use attained-age rating - premiums will increase as you age. Spokane, Tacoma, and Bellevue rates may differ slightly.
| Insurance Company | Plan G Monthly | Plan N Monthly | AM Best | Notes |
|---|---|---|---|---|
| Regence BlueShield | $115 | $82 | A- | Lowest in WA |
| Premera Blue Cross | $138 | $99 | A | Largest WA insurer |
| Mutual of Omaha | $172 | $128 | A+ | Best discounts |
| AARP/UnitedHealthcare | $189 | $141 | A | Best plan variety |
| Cigna Healthcare | $225 | $168 | A | Dental bundles |
Lowest available in Washington (Seattle): Plan G from $115 | Plan N from $82/mo | Source: FairSquare Medicare, CMS Medicare Plan Finder, May 2026
Plan G vs. Plan N in Washington
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in Washington. 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 ($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 (Seattle) | $115-$189 | $82-$141 |
*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.
Washington's year-round switching rule is one of the best Medigap protections in the country. You can switch from any Plan B through N to any other Plan B through N at any time - no birthday window, no annual deadline. Use this rule to shop rates every year and switch to a lower-cost carrier whenever you find a better deal. The biggest opportunity right now: Regence BlueShield at $115/mo vs. most competitors at $200 or more. If you are currently paying over $150/mo for Plan G, call us and we can check whether Regence or Premera is available in your ZIP code.
Washington Medigap Rules You Should Know
Washington has some of the most consumer-friendly Medigap rules in the country. Here is what you need to know before enrolling.
Year-Round Plan Switching
Washington's most powerful Medigap rule: if enrolled in any Plan B through N, you can switch to any other Plan B through N at any time of year with no health screening questionnaire. This is more flexible than a birthday rule, which only provides a 60-day window once per year.
Open Enrollment Period (OEP)
Your 6-month guaranteed-issue window begins when you are both age 65 or older and enrolled in Medicare Part B. During OEP, no carrier can deny coverage or charge higher premiums based on health history.
Issue-Age Rating Available
Some Washington carriers, including Premera Blue Cross, offer issue-age rating where your premium is set at your enrollment age and does not increase simply because you get older. This can save significant money over a 20-year retirement.
Washington OIC Regulation
The Washington Office of the Insurance Commissioner (OIC) regulates all Medigap carriers. Carriers must file rate increases with the OIC before implementing them. Contact SHIBA at 800-562-6900 for free, unbiased help.
How We Score Washington Medigap Carriers
The MedicareFAQ Score is a weighted composite of five factors. No carrier paid for placement. Scores are updated quarterly.
| Factor | Weight | What We Measure |
|---|---|---|
| Financial Stability | 25% | AM Best rating and claims-paying ability |
| Premium Competitiveness | 25% | Plan G and Plan N rates vs. WA market average |
| Customer Satisfaction | 20% | NAIC complaint ratio and member reviews |
| Plan Availability | 15% | Range of plan letters offered in Washington |
| Discount Options | 15% | Household, non-tobacco, and other available discounts |
Washington Medicare Supplement FAQ
Common questions about Medigap plans in Washington state.
Ready to Compare Washington Medigap Rates?
Washington's year-round switching rule means you can compare and switch plans any time. Enter your ZIP code to see all available rates in your area, or call us to speak with a licensed Washington Medicare agent.
Free, no-obligation quotes. Licensed Washington Medicare agents available Mon-Fri 8am-8pm PT.