How Much Does a Medicare Supplement Plan Cost in Florida in 2026?

A Medicare Supplement plan in Florida costs a 65-year-old anywhere from about $70 to $310 a month in 2026, and the plan letter you choose swings that number more than almost anything else.

Plan G, the most complete plan available to new enrollees, runs roughly $200 to $260 a month in counties like Duval, Hillsborough, and Walton.

Plan N costs less, usually $155 to $200.

The high-deductible versions of Plan G and Plan F drop the premium under $100 a month, in exchange for a bigger bill if you get sick.

But here’s the part that trips up new Florida shoppers: The state locks your rate to the age you were when you enrolled, not your birthday every year after, so the plan you pick at 65 shapes your bill for decades.

Note: This is general information, not insurance advice. Coverage and premiums are subject to change, so check the specifics with your insurer or agent.

Medicare Supplement Costs by Plan Type in Florida

Florida publishes real premium data by county through Medicare.gov, and the spread between plan letters runs wide.

A 65-year-old nonsmoking woman in Hillsborough County pays about $209 a month for Plan G, the plan most new Medicare enrollees pick.

That same plan runs about $202 in Walton County and $212 in Duval County, so even a short drive across county lines changes the bill a little.

Plan F still costs the most, at $244 to $279 a month for a nonsmoking 65-year-old across those three counties.

That adds up fast.

Insurers stopped selling Plan F to new Medicare enrollees back in 2020, so only people who already qualified for Medicare before that date can still buy it.

Plan N runs cheaper than both, at $155 to $179 a month for a nonsmoking 65-year-old, in exchange for small copays on some doctor and emergency room visits.

Plan A, the bare-bones option that skips extras like Part B excess charges, sits at $186 to $214.

Smokers pay more across every letter, often $20 to $30 extra a month.

Men typically pay a little more than women at the same age.

Despite that price tag, Plan F still covers more Florida policyholders than any other letter, more than 473,000 people, according to Forbes Advisor’s analysis of enrollment data from America’s Health Insurance Plans (AHIP).

It’s a grandfather clause.

Plan G has taken over as the top pick for anyone newly eligible for Medicare since 2020, with nearly 222,000 Florida policyholders and counting.

Why Florida Runs Above the National Average

Nationally, the average Medigap premium across every current policyholder was $217 a month in 2023, the most recent full year of data from KFF, a nonprofit health policy research organization.

Plan G alone averaged $164 a month nationwide that year, ranging from about $140 in Washington, D.C., Hawaii, and New Mexico to $236 in New York.

Florida landed among the five most expensive states for Plan G, alongside New York, Connecticut, Maine, and Washington.

That surprises people.

All four of those other states require community rating, which spreads the cost evenly across every age group and tends to push premiums up for everyone.

Florida does something different.

It still lands among the pricier states anyway.

That reputation for no state income tax doesn’t carry over to health coverage.

Floridians still lose some of that savings to hidden costs like Medigap.

Rates keep rising too.

Major insurers including Aetna, Blue Cross Blue Shield, Cigna, Humana, Mutual of Omaha, and UnitedHealthcare filed Plan G rate increases ranging from about 12% to more than 26% in the first quarter of 2026, according to reporting from KFF Health News.

Ask your agent for a fresh quote before you assume last year’s number still holds.

How Florida Sets Your Rate

Every Medigap insurer prices its plans one of three ways, and Florida allows only one of them.

Community rating charges everyone the same premium regardless of age, though it still rises with inflation and other factors.

Attained-age rating starts cheap and grows more expensive every year as you get older, on top of any inflation increase.

Issue-age rating locks your premium to the age you were when you bought the policy.

It won’t rise again just because you had another birthday.

That’s the rule Florida requires.

Florida is one of only four states, alongside Arizona, Georgia, and Missouri, that allow issue-age rating but ban attained-age rating outright, according to KFF.

That means a Florida buyer who signs up at 65 pays the 65-year-old rate for as long as they keep the policy.

Future premiums only rise from medical inflation and companywide rate filings, never from turning 66 or 70.

Buy in later.

You lock in a higher starting rate instead.

Waiting rarely pays off.

When You Can Enroll Without Health Questions

Every eligible Floridian gets one guaranteed window to buy any Medigap plan sold in the state, no health questions asked.

That window opens the first day of the month you're both 65 or older and enrolled in Medicare Part B.

It lasts six months, per the rules Medicare.gov spells out.

Buy during that stretch.

An insurer can't deny you or charge you more for a pre-existing condition.

Miss it, and things change.

After those six months close, Florida allows medical underwriting.

So, an insurer can ask about your health, charge you more, or turn you down.

Some states have a birthday rule that lets policyholders switch Medigap plans once a year without new health questions.

Florida isn't one of them.

A handful of other situations still guarantee your rights outside that first window, including losing job-based retiree coverage or a Medicare Advantage plan leaving your area.

Outside of those, a Florida shopper who waits past the first six months is betting on their own health history.

Cheaper High-Deductible Option

Plan G and Plan F both come in high-deductible versions that cut the monthly premium by more than half.

The trade-off is a deductible the Centers for Medicare & Medicaid Services (CMS) sets at $2,950 for 2026, which you pay out of pocket before the plan covers anything.

In Hillsborough County, a nonsmoking 65-year-old pays about $70 a month for high-deductible Plan G instead of $209 for the standard version.

That's a big gap.

Skip the doctor most of the year, and the high-deductible plan saves you money.

Land in the hospital instead, and you owe that deductible before the coverage kicks in.

High-deductible Plan F works the same way.

But only people who already qualified for Medicare before 2020 can still buy it.

FAQ

Quick answers to what Florida shoppers ask most about Medicare Supplement costs.

How much does a Medicare Supplement plan cost in Florida?

A 65-year-old typically pays between $70 and $310 a month in 2026, depending on the plan letter, the county, and whether they smoke. Plan G and Plan N are the most common picks for new enrollees.

Which Medigap plan is cheapest in Florida?

High-deductible Plan G is usually the least expensive, often $69 to $90 a month for a 65-year-old, though you take on a $2,950 deductible before the coverage starts.

Does Florida use community rating for Medigap?

No. Florida only allows issue-age rating, which locks your premium to the age you were when you enrolled instead of raising it every birthday.

When can I buy a Medigap plan in Florida without health questions?

You get a one-time, six-month guaranteed-issue window that starts the first day of the month you're 65 or older and enrolled in Medicare Part B.

What's the difference between Plan F and Plan G in Florida?

Plan F covers the Part B deductible in addition to everything Plan G covers, but insurers stopped selling Plan F to new Medicare enrollees in 2020, so only people who qualified before then can still buy it.