Best Medicare Supplement Plans in California (2026)

California's Birthday Rule lets Medigap policyholders switch to an equal or lesser plan once per year within 60 days of their birthday, without medical underwriting. An enrollee on an expensive Attained Age plan has a guaranteed annual exit window that most states don't provide.

State Farm posts the lowest rates on four of nine plan types. The gap between the cheapest and most expensive provider for identical Plan F coverage reaches $74 per month, $888 per year. For most 65-year-olds enrolling today without Plan F eligibility, State Farm's Plan G at $166 and Plan N at $127 lead California. Its A++ AM Best rating is the highest financial stability rating available. Enrollees planning 15 or more years on the same plan should compare Transamerica's Issue Age rates at enrollment.

Military families should start with USAA. Its Plan A at $120 is California's cheapest.

State Farm offers California's best Medicare Supplement rates for Plan G ($166 monthly) and Plan N ($127 monthly). Bankers Life has the cheapest Plan F at $181 monthly. Your best rate depends on age, plan type and pricing style.

*Prices are for 65-year-olds.

State Farm provides California's cheapest Plan G at $166 per month, $58 below the state average. In MoneyGeek's California Plan G data, the gap between the cheapest (State Farm at $166) and most expensive (AARP at $199) is $33 monthly.

State Farm and AARP charge different prices for the same Plan G benefits. State Farm uses Attained Age Pricing at $166. AARP prices the same plan at $199 under Community Pricing. A 65-year-old choosing AARP over State Farm pays $396 more per year for the same coverage from day one.

Plan F costs $181 to $255 monthly in California. Bankers Life has the lowest rate at $181. Health Net ($215 monthly) and State Farm ($227 monthly).

Only enrollees eligible for Medicare before January 1, 2020 can buy Plan F. Healthier enrollees stopped entering Plan F after 2020. Bankers Life's $181 rate leads California now. Plan F enrollees should check rates at their California Birthday Rule window each year.

Plan N costs $127 to $162 per month in California. State Farm has the cheapest rate at $127. Bankers Life ($134 monthly) and Mutual of Omaha ($152 monthly) are also affordable options in the state.

Plan N's $35 monthly gap between State Farm ($127) and Cigna ($162) is the widest spread relative to premium level of the three main plans. For a plan that already costs less than Plan G, that difference is $420 per year, it represents a 27% price premium for identical benefits. For a plan that already costs less than Plan G, that $420 annual difference is a 27% price premium for identical benefits.

Finding your best Medicare Supplement plan depends on age and plan type. Compare rates using the filterable table below.

In California, Medicare Supplement insurance costs average $200 monthly for 65-year-olds. Monthly premiums range from $106 to $272 across 10 standardized plan types, with Plan K costing the least and Plan F costing the most.

The most popular plans  Plan G, Plan F and Plan N, average $224, $272 and $168 monthly. Annual costs range from $1,272 to $3,264. Your actual premium depends on provider, age and your insurer's pricing style.

Your Medicare start date determines which plans are available to you. Enrollees who qualified before January 1, 2020 can buy Plan F, Bankers Life leads California at $181. Everyone else starts with Plan G, where State Farm's $166 rate is the lowest in the state.

California HICAP gives residents free, one-on-one counseling on Medicare Supplement plans, Medicare Advantage and Part D coverage with no sales pressure.

• California HICAP: Trained volunteer counselors offer personalized guidance to help seniors understand Medicare, compare plans and avoid insurance fraud. The California Health Insurance Counseling and Advocacy Program provides free, confidential counseling on Medicare Supplement plans, Medicare Advantage and Part D prescription drug coverage. Visit California HICAP
• California Department of Insurance: Publishes rate comparisons for Medicare Supplement plans and runs a helpline to assist with insurance questions and complaints. The department offers consumer protection services and helps seniors identify and report insurance scams. Visit the California Department of Insurance
• California Area Agencies on Aging: Serves older adults with information and programs including Medicare enrollment assistance, benefits counseling and access to local community resources for seniors and caregivers. These agencies support elderly residents in maintaining their independence and well-being. Find Your Local Agency
• Medicare.gov: The official federal Medicare website has comprehensive information on all Medicare options, including a plan finder tool to compare Medicare Supplement, Medicare Advantage and Part D plans available in your ZIP code. Visit Medicare.gov

Below are answers to common questions about Medigap coverage for California residents.

MoneyGeek collected California Medicare Supplement rate data in May 2026 for 65-year-olds and 75-year-olds across more than a dozen carriers. Data came from Medicare.gov's plan browsing tool.

We scored California Medigap companies across three categories to create a weighted score out of 5:

• Affordability (50%): Lower monthly premiums earn higher scores. A $20 monthly difference between two carriers moves the needle more on this dimension than on any other.
• Pricing style (20%): Community Pricing earns a 1.0 weighting because premiums don't increase with age. Issue-Age Pricing scores 0.8, Attained-Age scores 0.6. A community-rated plan with a higher starting premium can outscore a cheaper attained-age plan here.
• Plan availability (30%): More plan types mean a higher score, with extra weight on Plans G, F and N, the three plans that account for the majority of California Medigap enrollments.