2026 Medigap Plans in California: Costs, Carriers, and Plan Options
Medicare Supplement plans in California, also known as Medigap, provide standardized coverage but vary significantly in price by carrier. Sample data across 15 insurers shows monthly premiums starting around $34 and exceeding $1,368 depending on plan type and pricing structure. Even when coverage is identical, differences in rating methods and discounts can lead to wide variation across insurers.
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Key Takeaways
- Plan G and Plan N are among the most frequently chosen Medigap plans in California.
- Identical plan coverage can have different premiums depending on the insurer.
- Pricing models and available discounts play a key role in cost differences.
- Carriers with similar premiums may differ in financial strength ratings.
- All Medigap plans follow standardized benefits, but pricing structures are not standardized.
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How Medigap Costs Vary in California
Sample pricing data shows that Medigap premiums in California typically range from about $34 to $1,368 per month, depending on the plan letter and carrier. Lower-cost options are often associated with higher cost-sharing plans like Plan K, while more comprehensive plans such as Plan G generally have higher premiums.
How Plan G and Plan N Compare
Plan G offers the most comprehensive coverage available to new Medicare beneficiaries, covering nearly all out-of-pocket costs except the Part B deductible. Plan N typically has lower premiums but includes copays for certain services, making it a common alternative for cost-conscious enrollees.
Sample Plan G Pricing in California
Plan G typically ranges from $157 to $1,189.
| Carrier | Plan | Low | High |
|---|---|---|---|
| AARP - UnitedHealthcare | G | $173 | $374 |
| Allstate | G | $256 | $773 |
| Humana | G | $214 | $765 |
Sample Plan N Pricing in California
Plan N typically ranges from $123 to $912.
| Carrier | Plan | Low | High |
|---|---|---|---|
| AARP - UnitedHealthcare | N | $146 | $317 |
| Allstate | N | $202 | $611 |
| Humana | N | $155 | $564 |
Sample Plan F Pricing in California
Plan F typically ranges from $123 to $912.
| Carrier | Plan | Low | High |
|---|---|---|---|
| AARP - UnitedHealthcare | F | $222 | $479 |
| Allstate | F | $300 | $907 |
| Humana | F | $247 | $913 |
Carrier Differences in Medigap Pricing
Medigap plans provide the same core benefits across carriers, but premiums can vary. These differences are typically related to how insurers price their policies, offer discounts, and manage rate changes over time.
What Affects Medicare Supplement Costs in California
- Carrier-specific pricing strategies and rate structures
- Age-based pricing models, such as issue-age and attained-age
- Regional differences within California
- Availability of household discounts
- Tobacco use and associated rating adjustments
Bottom Line
Comparing Medigap plans in California requires separating standardized coverage from carrier-specific pricing. Sample data provides a useful reference point, but actual premiums will vary based on rating factors and the insurer selected.
MedicarePlans.com operates as an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.
Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard. See our Data sources and methodology documentation for more information.
- Medicare.gov, Find a Medigap policy that works for you — Last accessed May 4, 2026
- NCOA.org, "What Is Medigap and How Does It Work?" — Last accessed May 5, 2026
- NCOA.org, "How Medigap Works: A Guide for Older Adults" — Last accessed May 5, 2026
MedicarePlans.com operates as an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.
Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard. See our Data sources and methodology documentation for more information.
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.