Best Medicare Supplement Plans in Florida (2026)

Florida has one of the highest concentrations of Medicare beneficiaries in the country. High health care usage across the state pushes baseline premiums above the national average for all 10 standardized plan types.

Most Florida Medigap insurers use Attained Age Pricing. The five cheapest providers MoneyGeek identified all use Issue Age Pricing., which sets your premium at enrollment and ties future increases to inflation rather than your age. Enrolling at 65 during your Open Enrollment Period locks in the lowest starting rate and avoids health underwriting.

Globe Life, State Farm, Everence Association Inc., AARP and Blue Cross Blue Shield post the lowest Medigap rates in Florida across all 10 standardized plan types.  

When we pulled quotes for 65-year-olds across all 10 Florida plan types, Globe Life's Plan F rate of $285 per month was $150 below the state average, $1,800 per year for identical coverage. The insurer you pick at 65 creates a bigger cost gap than the plan letter you choose.

*These rates reflect Medigap premiums for 65-year-olds.   

Everence Association Inc.’s Plan G rate is $64 lower per month than Blue Cross Blue Shield’s rate. For identical coverage, choosing the wrong insurer costs $768 per year. 

Plan G is the right starting point for most Florida seniors enrolling at 65. It covers everything Plan F does except the Part B deductible, and it's open to new enrollees. Plan F isn't. For Plan G buyers, Everence Association Inc. at $263 per month is the lowest rate in our Florida data, $98 below the state average. 

Your plan choice should follow your health use. Chronic conditions and frequent specialist visits point to Plan G. Good health and a preference for lower monthly costs point to Plan N at $280 per month or Plan K at $100 per month through AARP. Plan K carries 50% cost-sharing, so it's the right fit when you have savings to cover out-of-pocket costs.

The filterable table below lets you compare all Florida Medicare Supplement companies based on your needs.

For 65-year-olds in Florida, Medicare Supplement premiums range from $137 to $435 a month based on plan type. Plan K is the cheapest entry point at an average of $137 a month. Plan F reaches $435 per month but covers all Medicare gaps, including the Part B deductible. Plan G averages $361 a month and covers everything Plan F does except that Part B deductible.  

Plan N averages $280 a month, Plan L averages $233 a month and Plan A averages $331 a month. A Plan K buyer who starts at $137 at age 65 may pay more than a Plan G buyer who started at a community-rated rate by age 75.

The table shows a $89 monthly spread between Everence Association Inc.'s Plan G at $263 and LifeShield National's Plan G at $352, which is $1,068 per year for identical coverage. The insurer at the bottom of that list isn't worse on claims or service. It's just priced higher. That gap is the entire case for comparing before you buy.

Match your plan to your expected health care use and how much out-of-pocket cost you can absorb. Chronic conditions point to Plan G. Good health and lower monthly costs point to Plan N or Plan K.

Learn More: What Does Medicare Cover and Not Cover?

Once you've selected your plan type, finding the right Florida Medicare Supplement insurer matters just as much as choosing coverage. These three factors help you identify companies offering strong value and reliable service.

If you live in Florida and need help selecting Medicare coverage or understanding your options, multiple free resources provide guidance and support.

• SHINE (Serving Health Insurance Needs of Elders): SHINE provides free, unbiased counseling to Medicare beneficiaries in Florida. They offer one-on-one assistance with plan comparisons, fraud prevention and guidance on health insurance options. Visit SHINE (Serving Health Insurance Needs of Elders)
• Florida Department of Financial Services: The Florida Department of Financial Services offers Medicare Supplement services, including rate comparisons and consumer protection. They also run a consumer hotline for assistance. Visit the Florida Department of Financial Services
• Florida Area Agencies on Aging: Florida Area Agencies on Aging assist seniors, people with disabilities and caregivers with Medicare enrollment and benefits counseling. It provides programs and resources tailored to older adults.
• Medicare.gov: The official federal Medicare website offers 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

Your best Medigap plan depends on two things: how much health care you use and what monthly cost you can absorb. My analysis of Florida's 2026 rate data points to a clear first choice for most profiles. 

Plan G from Everence Association Inc. at $263 per month is the lowest rate for the most popular plan type among new enrollees in Florida. It covers all Medicare gaps except the Part B deductible. For seniors with chronic conditions or frequent specialist visits, Plan G is the right pick. 

Plan N at $280 per month is worth comparing if you're in good health. It carries small copays for some visits, but the $81 per month savings versus the Plan G state average adds up to $972 per year. AARP and Globe Life both price Plan N competitively. 

Budget is the deciding factor for Plan K. AARP's $100 per month is the lowest entry point in MoneyGeek's Florida data. Plan K covers 50% of most costs up to an $8,000 out-of-pocket limit. It's the right fit for seniors with savings to cover that exposure. 

Plan F buyers need to act on existing policies. Plan F closed to new enrollees in 2020. If you enrolled before that date, Globe Life's $285 per month is the lowest rate in our Florida analysis, saving $1,800 per year versus the state average.

Common questions about Medigap coverage in Florida answered below.

MoneyGeek collected data for all Medicare plans in Florida for 65-year-olds and 75-year-olds, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies in Florida based on three main categories to create a weighted score out of 5:

• Affordability (50%): Providers with the lowest monthly cost score higher.
• Pricing style (20%): Medigap insurers use three methods to determine premiums: Community Pricing, Issue-Age Pricing and Attained Age Pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: Community Pricing 1.0, Issue-Age Pricing 0.8, Attained-Age Pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
• Plan availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular plan types like Plan G, Plan F and Plan N.