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2026 Medigap Plans in Puerto Rico: Costs, Carriers, and Plan Options

Medicare Supplement (Medigap) plans in Puerto Rico offer standardized benefits, but pricing differs across carriers. Based on sample data from 1 insurers, monthly premiums can range from approximately $38 to $225, depending on plan type and pricing model. Variations in rating methods and available discounts contribute to these differences.

Updated: .

Key Takeaways

  • Plan G and Plan N are the most commonly selected Medigap plans in Puerto Rico.
  • 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 Puerto Rico

In Puerto Rico, observed Medigap premiums generally fall between $38 and $225 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

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 Puerto Rico

Plan G typically ranges from ${plan_g_min} to ${plan_g_max}.

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Carrier Plan Low High

Sample Plan N Pricing in Puerto Rico

Plan N typically ranges from ${plan_n_min} to ${plan_n_max}.

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Carrier Plan Low High

Sample Plan F Pricing in Puerto Rico

Plan F typically ranges from ${plan_n_min} to ${plan_n_max}.

Carrier Plan Low High
Mutual of Omaha F $107 $225

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.

Why Medicare Supplement Prices Vary in Puerto Rico

  • 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

Comparing Medigap plans in Puerto Rico 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.

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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.

MedicarePlans.com is an independent 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.