2026 Medigap Plans in Connecticut: Costs, Carriers, and Plan Options
Medicare Supplement (Medigap) plans in Connecticut offer standardized benefits, but pricing differs across carriers. Based on sample data from 12 insurers, monthly premiums can range from approximately $48 to $0, depending on plan type and pricing model. Variations in rating methods and available discounts contribute to these differences.
Medigap plans help cover out-of-pocket costs in Original Medicare, but beneficiaries in Connecticut may also consider Medicare Advantage and prescription drug coverage options. Visit Medicare Options in Connecticut for a broader overview of Medicare coverage available statewide.
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Key Takeaways
- Plan G and Plan N are the most commonly selected Medigap plans in Connecticut.
- Monthly premiums vary significantly by carrier, even for identical coverage.
- Household discounts and pricing models can materially affect premiums.
- Carrier strength (A.M. Best rating) varies across similar price points.
- Medigap benefits are standardized, but pricing and discounts are not.
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Typical Medigap Pricing in Connecticut
In Connecticut, observed Medigap premiums generally fall between $48 and $0 per month based on plan type and insurer. Plans with greater cost-sharing, such as Plan K, tend to have lower premiums, while broader coverage options like Plan G are typically priced higher.
Differences Between Plan G and Plan N
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 Connecticut
Plan G typically ranges from $220 to $0.
| Carrier | Plan | Low | High |
|---|---|---|---|
| AARP - UnitedHealthcare | G | $263 | $0 |
| Cigna | G | $220 | $0 |
| Humana | G | $241 | $0 |
| Mutual of Omaha | G | $429 | $0 |
Sample Plan N Pricing in Connecticut
Plan N typically ranges from $156 to $0.
| Carrier | Plan | Low | High |
|---|---|---|---|
| AARP - UnitedHealthcare | N | $204 | $0 |
| Cigna | N | $171 | $0 |
| Humana | N | $170 | $0 |
| Mutual of Omaha | N | $294 | $0 |
Sample Plan F Pricing in Connecticut
Plan F typically ranges from $156 to $0.
| Carrier | Plan | Low | High |
|---|---|---|---|
| AARP - UnitedHealthcare | F | $354 | $0 |
| Cigna | F | $302 | $0 |
| Humana | F | $294 | $0 |
| Mutual of Omaha | F | $484 | $0 |
Carrier Differences in Medigap Pricing
Although Medigap benefits are standardized, premiums are set by each insurer. Variations in cost are often influenced by pricing methods, household discounts, and differences in long-term rate trends.
What Affects Medicare Supplement Costs in Connecticut
- Carrier-specific pricing strategies and rate structures
- Age-based pricing models, such as issue-age and attained-age
- Regional differences within Connecticut
- Availability of household discounts
- Tobacco use and associated rating adjustments
Bottom Line
Medigap plans in Connecticut are best compared by separating standardized plan benefits from carrier-specific pricing and discounts. Sample data can help establish realistic expectations, but actual premiums depend on individual rating factors and carrier selection.
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
- AARP, "10 Things to Know About Medigap Plans" — Last accessed May 5, 2026
- Medicare.gov, "Compare Medigap Plan Benefits" — 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.