$225–$381Estimated county median, 65-year-old woman
$252Estimated median in the typical Florida county
$201Lowest quote for a 65-year-old woman in our Orange County sample
Non-tobacco rates, no discounts. See how we built these estimates in the methodology below.
2027 Plan G Rates in Florida by County, Age, and Sex
Choose your age and sex, then search for your county to see estimated Plan G premiums.
View all 67 Florida counties
Estimated monthly Plan G premiums by county, 65-year-old woman, non-tobacco
| County | Lowest | Median | Highest |
|---|
| Alachua | $175 | $231 | $282 |
| Baker | $175 | $225 | $245 |
| Bay | $175 | $231 | $282 |
| Bradford | $175 | $231 | $282 |
| Brevard | $197 | $252 | $324 |
| Broward | $312 | $381 | $447 |
| Calhoun | $175 | $231 | $282 |
| Charlotte | $175 | $231 | $282 |
| Citrus | $197 | $254 | $279 |
| Clay | $197 | $254 | $279 |
| Collier | $197 | $252 | $279 |
| Columbia | $197 | $252 | $279 |
| DeSoto | $312 | $381 | $447 |
| Dixie | $197 | $252 | $324 |
| Duval | $216 | $270 | $289 |
| Escambia | $197 | $251 | $279 |
| Flagler | $197 | $252 | $282 |
| Franklin | $197 | $252 | $324 |
| Gadsden | $197 | $252 | $324 |
| Gilchrist | $197 | $252 | $324 |
| Glades | $225 | $312 | $432 |
| Gulf | $225 | $312 | $432 |
| Hamilton | $197 | $252 | $282 |
| Hardee | $197 | $252 | $282 |
| Hendry | $197 | $252 | $282 |
| Hernando | $197 | $251 | $282 |
| Highlands | $197 | $255 | $324 |
| Hillsborough | $213 | $266 | $289 |
| Holmes | $197 | $255 | $324 |
| Indian River | $197 | $260 | $282 |
| Jackson | $197 | $252 | $324 |
| Jefferson | $197 | $252 | $324 |
| Lafayette | $197 | $252 | $282 |
| Lake | $197 | $252 | $282 |
| Lee | $197 | $255 | $324 |
| Leon | $197 | $252 | $324 |
| Levy | $197 | $252 | $324 |
| Liberty | $197 | $252 | $324 |
| Madison | $197 | $252 | $324 |
| Manatee | $197 | $252 | $279 |
| Marion | $197 | $252 | $279 |
| Martin | $197 | $252 | $324 |
| Miami-Dade | $312 | $381 | $447 |
| Monroe | $225 | $371 | $447 |
| Nassau | $225 | $371 | $447 |
| Okaloosa | $225 | $371 | $447 |
| Okeechobee | $225 | $371 | $447 |
| Orange | $201 | $260 | $282 |
| Osceola | $197 | $252 | $282 |
| Palm Beach | $244 | $346 | $432 |
| Pasco | $213 | $266 | $289 |
| Pinellas | $201 | $266 | $289 |
| Polk | $197 | $255 | $324 |
| Putnam | $197 | $252 | $282 |
| Santa Rosa | $197 | $252 | $282 |
| Sarasota | $197 | $252 | $279 |
| Seminole | $197 | $252 | $282 |
| St. Johns | $197 | $252 | $282 |
| St. Lucie | $216 | $270 | $289 |
| Sumter | $201 | $262 | $289 |
| Suwannee | $197 | $252 | $282 |
| Taylor | $197 | $251 | $282 |
| Union | $197 | $251 | $282 |
| Volusia | $216 | $270 | $289 |
| Wakulla | $197 | $252 | $324 |
| Walton | $197 | $252 | $324 |
| Washington | $197 | $252 | $324 |
The county table updates to match the age and sex selected in the tool.
How We Estimate Plan G Rates
The tool combines two data sets so you can see pricing for any Florida county, age, and sex.
| | 2027 rates by age and sex | County price levels |
|---|
| Rate date | Effective January 1, 2027 | Quoted August 3, 2026 |
| Applicant | Female and male, ages 65, 70, 75, non-tobacco | 65-year-old female, non-tobacco |
| Location | ZIP 34787 (Winter Garden, Orange County) | One sampled location in each of Florida's 67 counties |
| Insurers | Humana, HealthSpring, UnitedHealthcare, Aetna, Mutual of Omaha, Florida Blue | Every Plan G insurer quoting that location, up to 16 per county |
| Discounts | None applied | None applied |
For Orange County, the tool shows the actual quotes.
For every other county, we adjust those quotes by how that county's Plan G prices compared with Orange County's in our county sample.
For example, Miami-Dade's median was about 47% higher than Orange County's, so its estimated median is about 47% higher too.
Estimates assume each county follows the same age pricing pattern as Orange County. Get a quote for your ZIP code before you decide.
County price levels from the Medicare.gov Medigap plan finder. Rates can change.
What Is the Average Cost of Plan G in Florida?
The typical Florida county has an estimated median Plan G premium of about $252 per month for a 65-year-old woman.
That's the median of our 67 county medians, not an average of what every Florida policyholder pays.
Here's the same typical-county figure for each age and sex in the tool:
| Age | Women | Men |
|---|
| 65 | $252 | $277 |
| 70 | $288 | $308 |
| 75 | $332 | $348 |
Estimated median monthly premium in the typical Florida county, non-tobacco, no discounts.
These figures compare quotes for applicants of different ages. They aren't a forecast of how an existing policyholder's premium will change over time.
What the Florida Plan G Rates Show
Southeast Florida is the most expensive part of the state for Plan G, but the company you pick matters just as much.
Figures below are estimated premiums for a 65-year-old woman. Company-level rates outside Orange County are modeled by applying each county's price difference to the actual Orange County quotes.
Southeast Florida costs the most
Miami-Dade and Broward have the highest estimated medians, at about $381 per month.
Palm Beach follows at about $346.
Ten counties have an estimated median above $300, while 51 of the 67 come in under $265.
Some counties share the same estimates
Several Florida counties have identical estimated premiums in our comparison.
This reflects the geographic price patterns in our underlying county data, which may include insurers using shared rating areas.
Actual premiums can still differ by company and ZIP code.
The best-priced company can differ by age
HealthSpring had the lowest rate at every age we checked, for both women and men.
Behind it, the order shifts by age. For women, Aetna is fifth of six at 65 and moves up to third at 75.
Switch the tool between ages to see which companies are most competitive for you.
Choosing a company can matter more than choosing a county
In Miami-Dade, the estimated difference between the lowest and highest of our six insurers is $1,624 a year.
That's slightly more than the $1,563 estimated yearly difference between the median premiums in Miami-Dade and Escambia County.
Both comparisons use our modeled 2027 rates.
From the Field
When Florida clients call us with a Plan G quote, the first thing we check is where it falls in their county's range.
A quote near the top of the range usually means there's a company offering the identical plan for less.
How Much Does Plan G Cost Per Year in Florida?
Your Plan G premium is only one piece of your yearly Medicare cost.
You still pay your Part B premium, and you pay the Part B deductible before Plan G picks up the rest. Our Medicare costs guide covers both.
| Example: 65-year-old woman | Hillsborough County | Miami-Dade County |
|---|
| Plan G premium (estimated county median × 12) | $3,192 | $4,578 |
| Standard Part B premium (2026 amount: $202.90 × 12) | $2,435 | $2,435 |
| Part B deductible (2026 amount) | $283 | $283 |
| Estimated annual premiums + Part B deductible | $5,910 | $7,296 |
Figures rounded to the nearest dollar.
For Medicare-approved services covered by Plan G, your main recurring expenses are your Plan G premium, Part B premium, and annual Part B deductible.
This example assumes you meet the full Part B deductible. Prescription drug (Part D) costs and services Original Medicare doesn't cover are additional.
Part B amounts shown are 2026 figures; we'll update them when the 2027 amounts are announced. Higher-income beneficiaries pay more for Part B. Source: Medicare.gov, Medicare Costs.
What Affects Your Plan G Premium in Florida?
Plan G's benefits are identical at every company, so every price difference comes from how the insurer prices the policy and who's applying.
- Company — the biggest source of variation, even within one ZIP code.
- Location — insurers file separate rates for different rating areas in Florida.
- Age — rates vary by age, and our quote results show rates at 65, 70, and 75.
- Pricing method — attained-age policies are priced on your current age, issue-age policies are based on your age when you buy, and community-rated policies charge everyone in an area the same rate.
- Sex and tobacco use — most companies in our sample charge men more than women, and tobacco users pay more.
- Discounts — household or multi-policy discounts vary by company and aren't included in our sample.
- Health, if you apply late — outside your Medigap Open Enrollment Period, a company can use your health history to set your rate or decline you.
Why the Cheapest Plan G Quote Isn't Always the Best Value
Since Plan G benefits are the same at every company, it pays to look past the first-year price. When we help Florida clients compare, we weigh four things:
- Current premiumWhere the quote falls compared with every other company quoting your ZIP code.
- Florida rate historyCompanies with a steady track record in Florida.
- Pricing at every ageCompanies that stay competitive at 70 and 75, not just at 65.
- Available discountsA household discount can move a mid-priced company to the front of the line.
Past rate history provides useful context, but it doesn't guarantee future pricing.
See our best Medicare Supplement companies in Florida guide for our full carrier analysis, or our Florida Blue Medicare Supplement review if you're considering Florida Blue.
Lower-Premium Alternatives to Plan G
If Plan G's premium is more than you want to pay, two plans offer similar protection for less each month.
- Plan N — lower premium in exchange for small office and ER copays and no coverage for Part B excess charges.
- High Deductible Plan G — lower monthly premiums, but you must meet a $3,050 deductible in 2027 before the policy begins paying covered benefits.
To see every Medigap plan side by side, visit our Florida Medicare Supplement plans guide.
Not sure Plan G is the right plan in the first place? Our Medicare Supplement Plan G in Florida guide covers benefits, enrollment rules, and who Plan G fits best.
