2026 Medigap Plans in Florida: Costs, Carriers, and Plan Options
Medicare Supplement plans in Florida, also known as Medigap, provide standardized coverage but vary significantly in price by carrier. Sample data across 20 insurers shows monthly premiums starting around $59 and exceeding $2,758 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.
Medicare Supplements work alongside Original Medicare and are one of several Medicare coverage options available in Florida. Visit Medicare Options in Florida to compare other Medicare plan types and coverage choices.
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Key Takeaways
- Plan G and Plan N are among the most frequently chosen Medigap plans in Florida.
- 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 Florida
Sample pricing data shows that Medigap premiums in Florida typically range from about $59 to $2,758 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
For new Medicare beneficiaries, Plan G offers extensive coverage by paying most out-of-pocket costs other than the Part B deductible. Plan N is often priced lower but includes copays for certain visits, which can appeal to individuals seeking a balance between coverage and monthly premiums.
Sample Plan G Pricing in Florida
Plan G typically ranges from $233 to $2,016.
| Carrier | Plan | Low | High |
|---|---|---|---|
| AARP - UnitedHealthcare | G | $263 | $1,429 |
| Allstate | G | $280 | $1,235 |
| Cigna | G | $281 | $1,781 |
| Humana | G | $273 | $1,959 |
| Mutual of Omaha | G | $305 | $2,016 |
Sample Plan N Pricing in Florida
Plan N typically ranges from $191 to $1,470.
| Carrier | Plan | Low | High |
|---|---|---|---|
| AARP - UnitedHealthcare | N | $225 | $1,114 |
| Allstate | N | $213 | $940 |
| Cigna | N | $209 | $1,324 |
| Humana | N | $204 | $1,470 |
| Mutual of Omaha | N | $222 | $1,470 |
Sample Plan F Pricing in Florida
Plan F typically ranges from $191 to $1,470.
| Carrier | Plan | Low | High |
|---|---|---|---|
| AARP - UnitedHealthcare | F | $322 | $1,544 |
| Allstate | F | $312 | $1,372 |
| Cigna | F | $354 | $2,238 |
| Humana | F | $317 | $2,758 |
| Mutual of Omaha | F | $384 | $2,539 |
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 Florida
- Age-based pricing models (issue-age vs attained-age)
- Household discounts offered by some carriers
- Tobacco rating differences
- Regional variation within Arizona
- Carrier-specific pricing strategies
Bottom Line
Medigap plan comparisons in Florida are most effective when coverage and pricing are evaluated separately. While sample data highlights typical ranges, final premiums depend on individual factors and carrier pricing.
MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.
Provenance documentation for this data is maintained under the U.S. Core Data for Interoperability (USCDI) Provenance standard, as detailed in our Data sources and methodology documentation.
- Medicare.gov, Find a Medigap policy that works for you — Last accessed May 4, 2026
- Medicare.gov, "What's Medicare Supplement Insurance (Medigap)?" — Last accessed May 5, 2026
- Medicare.gov, "Learn what Medigap Covers" — Last accessed May 5, 2026
MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.
Provenance documentation for this data is maintained under the U.S. Core Data for Interoperability (USCDI) Provenance standard, as detailed in our Data sources and methodology documentation.
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.