Written By
Greg Wohl
Licensed Medicare Specialist
Nearly 930,000 Floridians have Medicare Supplement Insurance, also called Medigap. These plans are standardized by the federal government, meaning every Plan G from every insurer in Florida covers exactly the same benefits. Every Plan N covers exactly the same benefits. The only differences between insurers are the monthly premium, the company's complaint history, and how aggressively they raise rates over time.
This guide covers the top-rated carriers available in Florida, sample premiums for Plan G and Plan N, market share data, the most popular plan types among Florida's Medigap enrollees, and Florida-specific state resources to help you make an informed decision.
Top-Rated Medicare Supplement Carriers in Florida (2026)
The table below shows top-rated Medigap carriers available in Florida, based on pricing, complaint rates reported to the National Association of Insurance Commissioners (NAIC), and annual premium increase history.
| Carrier | Plans Offered in FL | NAIC Complaint Rate | Annual Price Increases |
|---|---|---|---|
| State Farm | A, C, D, F, G, N | Far fewer than expected | Lower than average |
| AARP/UnitedHealthcare | A, B, C, F, G, K, L, N | Fewer than expected | Higher than average |
| HealthSpring (Cigna) | A, F, G, N | Far more than expected | Lower than average |
| Mutual of Omaha | A, F, G, N | Far fewer than expected | Higher than average |
| Wellabe | A, F, G, N | Fewer than expected | Average |
Complaint data is sourced from the National Association of Insurance Commissioners (NAIC). A low complaint rate relative to market share is a strong indicator of customer satisfaction and claims handling quality.
Most Popular Medigap Plan Types Among Florida Enrollees
There are 10 standard Medigap plan types available in Florida, but enrollment is concentrated in just three plans that together cover 85% of Florida's Medigap members.
| Plan Type | Share of FL Medigap Enrollees | Available to New Enrollees? |
|---|---|---|
| Plan F | 51% | No (pre-2020 enrollees only) |
| Plan G | 24% | Yes |
| Plan N | 10% | Yes |
| All other plans | 15% | Varies |
Plan F's 51% share reflects its historical dominance before it was closed to new enrollees in 2020. For new Medicare beneficiaries, Plan G is now the most comprehensive option available and is rapidly growing its share of new enrollments.
Key Takeaways
- Plan G is the most comprehensive plan available to new enrollees: Plan F (which covered the Part B deductible) is no longer available to people who became eligible for Medicare on or after January 1, 2020. Plan G is now the most comprehensive option, covering everything except the Part B deductible ($257 in 2026).
- Plan N offers lower premiums with modest cost-sharing: Plan N has lower premiums than Plan G but requires copays of up to $20 for office visits and up to $50 for emergency room visits (waived if admitted). It also does not cover Part B excess charges.
- Benefits are identical across all insurers for the same plan letter: A Plan G from Humana covers exactly the same benefits as a Plan G from Aetna, Cigna, or Mutual of Omaha. The only difference is the monthly premium. Always compare premiums from multiple insurers before enrolling.
- Premium rating method affects long-term costs: Florida Medigap insurers use different rating methods: attained-age (premium increases as you age), issue-age (premium locked at your age when you enroll), or community-rated (same premium for all ages). The rating method significantly affects your long-term costs.
- Your Open Enrollment Period is the best time to enroll: During your 6-month Medigap Open Enrollment Period (starting when you are 65+ and enrolled in Part B), insurers cannot deny you or charge more based on your health. Outside this window, Florida insurers can use medical underwriting.
- Plan G High-Deductible is an option for lower premiums with more risk: Plan G High-Deductible (HDG) has a $2,870 deductible in 2026 before coverage kicks in, but monthly premiums can be as low as $40 to $60 per month. It is a good option for healthy beneficiaries who want catastrophic protection at a lower monthly cost.
Medigap Plan Comparison: G vs. N vs. F vs. HDG
The table below compares the four most popular Medigap plans available in Florida for 2026.
| Benefit | Plan G | Plan N | Plan F* | Plan G-HD |
|---|---|---|---|---|
| Part A deductible | Covered | Covered | Covered | After deductible |
| Part B deductible ($257) | Not covered | Not covered | Covered | Not covered |
| Part B coinsurance (20%) | Covered | Covered | Covered | After deductible |
| Part B excess charges | Covered | Not covered | Covered | After deductible |
| SNF coinsurance | Covered | Covered | Covered | After deductible |
| Foreign travel emergency | 80% (after $250 ded.) | 80% (after $250 ded.) | 80% (after $250 ded.) | After deductible |
| Office visit copay | None | Up to $20 | None | None (after ded.) |
| ER copay | None | Up to $50 | None | None (after ded.) |
| Lowest FL premium (age 65) | $194/mo | $144/mo | Pre-2020 only* | $40-$70/mo |
*Plan F is only available to beneficiaries who became eligible for Medicare before January 1, 2020.
Plan G: The Most Popular Choice for New Enrollees
Plan G is the most comprehensive Medigap plan available to beneficiaries who became eligible for Medicare on or after January 1, 2020. It covers everything except the Part B deductible ($257 in 2026).
Why Plan G is the top choice: After you pay the Part B deductible once per year, Plan G covers 100% of Medicare-approved costs for the rest of the year. There are no copays, no coinsurance, and no surprise bills for covered services. You can see any Medicare-accepting provider in the country.
Who Plan G is best for: Beneficiaries who want maximum financial predictability and unrestricted provider access. It is particularly valuable for people with ongoing medical needs, frequent travelers, and those who want to avoid the complexity of managing cost-sharing.
Plan G premiums in Florida (age 65, non-tobacco): The lowest available Plan G premium in Florida is $194 per month. Top-rated carriers like State Farm start at $210 per month. Shopping multiple insurers is essential since the benefits are identical.
How to Choose the Right Plan and Insurer
Since Medigap benefits are standardized, your decision comes down to three factors: which plan letter fits your needs, which insurer offers the lowest premium, and which rating method gives you the best long-term value.
Step 1: Choose your plan letter. For most new enrollees, the choice is between Plan G and Plan N. Choose Plan G if you want zero cost-sharing and maximum simplicity. Choose Plan N if you want lower premiums and are comfortable with modest copays.
Step 2: Compare premiums from multiple insurers. Premiums for the same plan letter can vary by 30% or more between insurers in Florida. The lowest available Plan G premium in Florida is $194 per month; top-rated carriers start around $210. Get quotes from at least 3 to 5 insurers.
Step 3: Check the rating method. Attained-age rating (most common) means premiums increase as you age. Issue-age rating locks in your premium based on your enrollment age. Community-rated plans charge everyone the same. Issue-age and community-rated plans may offer better long-term value even if the initial premium is higher.
Step 4: Check the insurer's complaint rate. A low NAIC complaint rate relative to market share is a strong indicator of claims handling quality. State Farm and Mutual of Omaha both have complaint rates far below expected levels.
For personalized help comparing Medigap premiums from multiple Florida insurers, schedule a free consultation with our licensed specialists. You can also visit our Medicare Supplement overview page for more information.
Florida Medicare Resources
Florida has several state-level resources to help Medicare beneficiaries navigate Medigap options.
- SHINE (Serving Health Insurance Needs of Elders): Florida's State Health Insurance Assistance Program provides free, unbiased Medicare counseling statewide. SHINE counselors are trained volunteers who can help you compare plans and understand your options.
- Florida Office of Insurance Regulation: Maintains public databases of Medigap rates filed by all carriers operating in Florida. Useful for verifying that the premium you are quoted is consistent with filed rates.
- Florida Department of Financial Services: Provides consumer insurance information and handles complaints against insurance companies operating in Florida.
- 1-800-MEDICARE (800-633-4227): The federal Medicare helpline for general questions about coverage, enrollment, and plan comparison tools.
The Bottom Line on Medicare Supplement Plans in Florida 2026
Nearly 930,000 Floridians have Medigap coverage. The key decisions are which plan letter fits your needs, which carrier offers the best premium, and which rating method gives you the best long-term value.
- Plan G is the most comprehensive option for new enrollees: covers everything except the $257 Part B deductible. Lowest available premium in Florida: $194/month; top-rated carriers start around $210/month
- Plan N offers lower premiums (lowest available: $144/month) with modest office visit and ER copays and no Part B excess charge coverage
- Plan G High-Deductible offers the lowest premiums ($40 to $70/month) with a $2,870 annual deductible
- Top-rated carriers by complaint rate: State Farm and Mutual of Omaha have far fewer complaints than expected relative to their market share
- Largest carrier: AARP/UnitedHealthcare holds 54.3% of Florida's Medigap market but has higher-than-average annual rate increases
- Free state resources: Florida's SHINE program offers free unbiased counseling statewide
Our licensed specialists compare Medigap premiums from every carrier available in your ZIP code at no cost. Schedule a free consultation to get started.
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