2026 Medigap Plans in Washington D.C.: Costs, Carriers, and Plan Options
Medicare Supplement (Medigap) plans in Washington D.C. offer standardized benefits, but pricing differs across carriers. Based on sample data from 8 insurers, monthly premiums can range from approximately $34 to $2,995, 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 Washington D.C. may also consider Medicare Advantage and prescription drug coverage options. Visit Medicare Options in Washington D.C. 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 Washington D.C..
- 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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- Medicare Supplement Plan N in Washington D.C.
Typical Medigap Pricing in Washington D.C.
In Washington D.C., observed Medigap premiums generally fall between $34 and $2,995 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.
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 Washington D.C.
Plan G typically ranges from $129 to $730.
| Carrier | Plan | Low | High |
|---|---|---|---|
| AARP - UnitedHealthcare | G | $129 | $460 |
| Aetna | G | $145 | $462 |
| Allstate | G | $136 | $496 |
Sample Plan N Pricing in Washington D.C.
Plan N typically ranges from $92 to $662.
| Carrier | Plan | Low | High |
|---|---|---|---|
| AARP - UnitedHealthcare | N | $102 | $427 |
| Aetna | N | $92 | $308 |
| Allstate | N | $106 | $387 |
Sample Plan F Pricing in Washington D.C.
Plan F typically ranges from $92 to $662.
| Carrier | Plan | Low | High |
|---|---|---|---|
| AARP - UnitedHealthcare | F | $155 | $486 |
| Aetna | F | $164 | $521 |
| Allstate | F | $178 | $650 |
Why Medigap Prices Differ by Carrier
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 Washington D.C.
- Regional variation in pricing across different areas of Washington D.C.
- Differences in carrier pricing methods and long-term rate approaches
- Age-related pricing models applied by insurers
- Tobacco rating factors that may increase premiums
- Household discount programs offered by certain carriers
Bottom Line
Comparing Medigap plans in Washington D.C. 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 is an independent 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
- Medicare.gov, "Learn what Medigap Covers" — Last accessed May 5, 2026
MedicarePlans.com is an independent 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.