Medicare Supplement Cost in Texas
2026 Medigap Plan G, N & F rates for Texas residents — age 65+
Non-tobacco rates. Tobacco users pay 10–20% more. Part B premium ($185/mo in 2026) is separate.
Texas Medigap Premium Calculator
Medigap Plan Comparison — Texas 2026
Age 65, non-tobacco. Annual Part B premium ($185/mo) is additional and the same for all plans.
| Plan | What It Covers | Monthly | Annual |
|---|---|---|---|
| Plan G | Most popular — covers all except Part B deductible | $145/mo | $1,740/yr |
| Plan N | Lower premium — $20 office copay, $50 ER copay | $115/mo | $1,380/yr |
| High-Ded. Plan G | $2,800 deductible before coverage; very low premium | $41/mo | $487/yr |
| Plan K | 50% cost-share; lower premium, higher out-of-pocket | $65/mo | $783/yr |
| Plan L | 75% cost-share; moderate premium | $87/mo | $1,044/yr |
| Plan F (grandfathered) | Full coverage incl. Part B deductible — not for new enrollees after 2020 | $171/mo | $2,053/yr |
Medicare Supplement in Texas: Key Facts
Texas is a large, competitive Medigap market with over 30 carriers and rates slightly below the national average. Texas follows standard federal Medigap rules — open enrollment is the guaranteed window, with medical underwriting typically required thereafter.
Buying Tips for Texas
Texas residents should compare quotes during their 6-month open enrollment window (starts the month you turn 65 + enroll in Part B). After that window, most insurers can deny coverage. Compare Humana, Aetna, Cigna, Blue Cross Blue Shield of TX, and Mutual of Omaha for competitive TX rates.
Plan G Premium by Age in Texas
Attained-age pricing (most common): premiums increase as you age. Community-rated plans (MA, NY, CT) do not increase with age.
Compare Medicare Supplement Plans in Texas
Medigap coverage is federally standardized — Plan G is Plan G everywhere. The ONLY difference between carriers is price and service. Compare all Texas carriers to find the lowest rate for identical coverage.
Frequently Asked Questions
How much does Medicare Supplement insurance cost in Texas?
Medicare Supplement Plan G in Texas costs approximately $145/month for a 65-year-old non-tobacco user. Plan N averages $115/month. Rates increase with age — at 75, expect $$215/month for Plan G. This is your Medigap premium only; the standard Part B premium ($185/month in 2026) is a separate federal charge.
What is the best Medicare Supplement plan in Texas?
Plan G is the most popular and generally the best Medigap plan for new Medicare enrollees in Texas. It covers everything except the Part B deductible ($240 in 2026), giving you predictable costs year-round. Plan N is an excellent alternative if you're healthy and comfortable with $20 office visit copays — it costs 15–20% less. High-Deductible Plan G offers the lowest premium (~$41/month) but requires paying a $2,800 deductible before benefits kick in — best for very healthy seniors.
When can I enroll in Medicare Supplement in Texas?
Texas: Standard 6-month open enrollment at 65. Standard federal rules apply; no special guaranteed issue beyond open enrollment window
Is Medicare Supplement or Medicare Advantage better for Texas residents?
Medicare Supplement works with Original Medicare — giving you access to any doctor or hospital that accepts Medicare nationwide with predictable costs. Medicare Advantage (Part C) often has $0 premium but uses HMO/PPO networks and has out-of-pocket maximums of $4,000–$8,300/year. Supplement is better for: those with frequent health needs, travelers, people who want any doctor/hospital. Advantage is better for: healthy seniors in strong-network areas who want low monthly costs and don't mind network restrictions.
Texas Medigap Rates
- Plan G (age 65)
- $145/mo
- Plan N (age 65)
- $115/mo
- HD Plan G (age 65)
- $41/mo
- Plan G (age 75)
- $215/mo
- + Part B premium
- +$185/mo
Compare by State
Plan G, age 65, non-tobacco