Medicare Supplement Plan G Costs in Florida 2026

Heading into 2026, more Medicare beneficiaries in Florida are taking a closer look at what they’re paying for Medigap Plan G - and what they’re getting in return.

With dozens of carriers offering the same standardized benefits at very different prices, this is shaping up to be a year of careful comparison shopping.

Whether you’re enrolling for the first time or reviewing your current coverage, understanding how Plan G works - and how the major carriers stack up in Florida - can make all the difference in finding the right balance between cost, stability, and peace of mind.

Sample 2026 Medicare Supplement Plan G Premiums in Florida

One of the biggest surprises for most people comparing Medicare Supplement plans is just how much prices can vary.

Even though every Plan G policy offers identical benefits, the monthly premiums can differ by more than $100 depending on your ZIP code, age, gender, and tobacco status.

In Florida, that difference is especially noticeable. Because the state has a large retiree population and a wide range of healthcare costs between metro and coastal counties, premiums can swing dramatically from one carrier to another.

The good news? With the right comparison, you can often save hundreds each year without giving up a single benefit.

Below are sample monthly premiums for a 65-year-old non-smoker in Florida. These are real averages based on current 2026 rates from top-rated insurers

What These Numbers Tell Us

Florida Blue continues to be the local favorite, offering strong name recognition and a broad provider base that spans the state.

Cigna and Humana Achieve lead in affordability, often appealing to first-time enrollees looking for dependable coverage without the highest premium.

Mutual of Omaha remains a trusted choice for retirees who value brand reputation and service consistency, while Aetna sits on the higher end of the spectrum but earns marks for stability and nationwide support.

The takeaway is simple: every Plan G policy covers the same benefits, but the premium you pay depends entirely on the company you choose.

Taking the time to compare rates - especially in a diverse market like Florida - can make a meaningful difference in your long-term costs.

Why Plan G Continues to Win in Florida

There’s a reason Medicare Supplement Plan G keeps showing up at the top of every “best Medigap plan” list - especially here in Florida. It’s the plan that strikes the perfect balance between coverage, simplicity, and peace of mind.

Plan G is designed to fill almost every gap left by Original Medicare Parts A and B. It covers hospital stays, skilled nursing care, outpatient services, and Part B coinsurance - leaving you responsible for just one small annual deductible.

After that, Medicare pays its share, and Plan G picks up nearly everything else.

For Florida retirees, that kind of predictability is priceless. You’ll know exactly what to expect each year without worrying about surprise medical bills or benefit changes.

Another reason Plan G continues to shine? No networks. You can see any doctor or hospital that accepts Medicare - whether it’s in Jacksonville, Miami, Tampa, or even out of state.

That makes Plan G a perfect match for Florida’s “snowbirds” and part-time residents who travel north for the summer or spend time visiting family elsewhere.

And because all Medigap plans are federally standardized, a Plan G from one company provides the exact same benefits as a Plan G from another. That means you can compare based on price, rate history, and carrier strength - not guesswork or marketing claims.

In short, Plan G continues to dominate in Florida because it does exactly what retirees want:

• Keeps costs predictable,
  
• Eliminates network headaches, and
  
• Provides long-term stability no matter where life takes you.
  

If you’re looking for coverage that lets you focus on your health - not your bills - Plan G remains the gold standard.

Plan G vs. Medicare Advantage in Florida (2026)

One of the biggest decisions you’ll make when you join Medicare is whether to go with a Medicare Supplement (Medigap) plan like Plan G, or a Medicare Advantage (MA) plan.

Both options can provide good coverage - but how they work couldn’t be more different, and those differences matter a lot here in Florida.

Let’s walk through the key contrasts most Floridians care about:

Freedom vs. Networks

With Plan G, you have total freedom to see any doctor or hospital that accepts Medicare - anywhere in Florida or across the country. There are no networks, no referrals, and no gatekeepers.

Medicare Advantage plans, on the other hand, typically use HMO or PPO networks, meaning you’ll need to stay within their list of approved providers. If you see an out-of-network specialist, you could end up paying significantly more - or not being covered at all.

For Florida’s many snowbirds and travelers, that’s a big deal.

Stability vs. Change

Once you have a Medigap Plan G, your benefits never change. The coverage is standardized by the federal government, so what you sign up for today is what you’ll have next year - and the year after that.

Medicare Advantage plans, however, can change every year. Networks shift, copays go up, and certain benefits can be reduced or removed entirely during your Annual Enrollment Period.

Many retirees who start with an Advantage plan find themselves having to re-evaluate every fall to make sure their doctors and benefits still fit.

Predictability vs. Copays

Plan G keeps your costs simple and predictable. Once you pay your small Part B deductible, nearly all Medicare-approved expenses are covered - no surprise bills or complicated copay structures.

By contrast, Medicare Advantage plans often come with variable copays for doctor visits, lab work, imaging, hospital stays, and even some procedures.

The low (or $0) monthly premiums may look appealing, but those ongoing out-of-pocket costs can add up quickly.

Travel Access

For retirees who travel or split time between homes, Plan G is the clear winner. You can use it anywhere in the U.S. with any provider that accepts Medicare.

Medicare Advantage plans are location-bound. Most cover only a local region or county network, meaning if you spend winters in Florida and summers elsewhere, your access to care could be limited when you’re away from home.

Why Many Florida Retirees Switch from Medicare Advantage to Medigap

It’s common for Floridians to start with a Medicare Advantage plan because of the low premium - then switch to a Medigap plan later after running into network frustrations, rising copays, or benefit changes.

When people realize that Medigap plans like Plan G provide the same coverage year after year, anywhere in the country, the appeal of long-term peace of mind often outweighs short-term savings.

At Policy Guide, we’ve worked with thousands of retirees across Florida, and we’ve seen the same pattern time and again: most people are happiest when they choose a Medicare Supplement plan from the start.

Here’s why.

Medigap plans - especially Plan G and Plan N - deliver predictability and freedom. You don’t have to worry about losing your doctor, facing new referrals, or being surprised by copays and benefit changes.

You pay a consistent premium each month and can see any provider nationwide that accepts Medicare.

With Medicare Advantage, the rules are different. Every year brings new networks, updated costs, and plan reshuffling. For retirees who want to set it and forget it, that constant change can get exhausting - especially if you live part-time in another state or prefer choosing your own specialists.

In short, Medigap puts control back in your hands. You decide where and when to get care, and your coverage follows you anywhere in the country.

For most Florida retirees, that kind of independence and consistency is worth every penny.

How to Compare Plan G Rates in Florida

By now, you know that every Medicare Supplement Plan G offers the exact same benefits - no matter which insurance company you choose.

The only real difference comes down to price, rate history, and customer experience. That’s why comparing your options is so important.

The good news? It’s easier than ever to do.

Step 1: Enter Your ZIP Code

Start by visiting the Policy Guide comparison tool and entering your ZIP code. This lets you instantly see which carriers are available in your specific area.

Because Medigap pricing is local - even varying by county - your rates in Tampa may look very different from someone’s in Jacksonville or Naples.

Step 2: Review Plan G Rates Side by Side

Once your local carriers appear, you can view Plan G premiums side by side. Take a close look at how prices compare among the top names like Florida Blue, Cigna, Humana, Mutual of Omaha, and Aetna.

You’ll often find that two companies offering the same Plan G differ by $50 or more each month - that’s hundreds of dollars per year for identical coverage.

Step 3: Check for Household Discounts and Rate Histories

If you and your spouse or partner both plan to enroll, ask about household discounts. Many carriers in Florida offer 7–12% savings when two people at the same address have Medigap policies.

Also take a moment to review each company’s rate history - how frequently and by how much they’ve raised premiums in the past.

Stability matters just as much as the starting price.

Step 4: Choose a Plan That Balances Price and Reputation

Once you’ve narrowed it down, focus on finding that sweet spot between affordability, rate stability, and customer service.

If you prefer the lowest possible premium, you might lean toward Cigna or Humana. If long-term reliability and brand strength matter most, Florida Blue, Mutual of Omaha, or Aetna could be your best match.

Step 5: Remember - the Coverage Is Always the Same

It’s worth repeating: every Plan G policy is standardized. Whether it’s from Cigna or Florida Blue, the benefits are identical.

The only differences are in what you pay each month and what kind of service experience you’ll have.

So don’t overthink the benefits - focus on the pricing, the carrier’s reputation, and how confident you feel about sticking with them long-term.

When you’re ready, Policy Guide can help you review all your options side by side, explain the small details in plain English, and make sure you’re not overpaying for identical coverage.

Final Thoughts and Recommendations

Choosing a Medicare Supplement plan doesn’t have to be complicated - especially once you understand how the pieces fit together.

The truth is, any of the major carriers in Florida - Florida Blue, Cigna, Humana, Mutual of Omaha, or Aetna - can be a smart choice. It really comes down to your personal priorities: what you value more between cost, stability, and brand reputation.

Each of these companies offers identical Plan G benefits, but the experience, service, and long-term rate stability can vary.

That’s why taking a few minutes to compare rates and company histories can make such a meaningful difference in what you pay - not just this year, but over time.

Here’s how to think about the main Medigap options available in Florida:

• Plan G – Best All-Around Protection and Peace of Mind: Covers nearly all out-of-pocket costs after your small Part B deductible. It’s the gold standard for retirees who want simplicity and predictability.
  
• Plan N – Balanced Value for Lower Monthly Costs: Offers most of the same protection as Plan G but with small copays for doctor and ER visits. Great for healthy retirees who want to save on premiums while keeping strong coverage.
  
• High-Deductible Plan G – Best for Budget-Conscious, Healthy Individuals: Provides the same coverage as regular Plan G after meeting a higher deductible. Ideal for people who want the lowest monthly premium but still want to protect themselves from large, unexpected medical bills.
  

No matter which plan you choose, remember: the benefits are standardized. You’ll get the same coverage no matter which company you select - the only difference is the price you pay and the service you receive.

That’s why it pays to compare.

Your Next Step

Now is the perfect time to see what’s available in your ZIP code and make sure you’re not paying more than you need to for the same exact coverage.

Whether you’re looking for lower premiums, better rate stability, or simply want to switch to a more trusted company, a few quick comparisons can reveal hundreds of dollars in potential annual savings.

Compare Medicare Supplement Plan G rates in Florida today and find your perfect balance of cost, coverage, and peace of mind - because the right plan should work for you, not the other way around.