Best Medicare Supplement Plans in Florida (2026)

Monthly premiums from $100 to $365 make Medigap coverage accessible for seniors aged 65 in Florida. Our analysis of the lowest-cost providers across 10 standardized plan types shows affordable Medicare Supplement plans provide strong financial protection.

Globe Life has the best rates across four popular plans, with Plan A at $186 per month, Plan N at $225 per month and Plan F at $285 per month. State Farm provides Plans C and D, while Everence Association Inc. offers Plans G and L at competitive rates. AARP focuses on Plan K and Blue Cross Blue Shield handles Plan M for budget-conscious seniors. These low-cost options save Florida seniors $23 to $150 per month compared to average state rates.

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

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

For 65-year-olds in the Sunshine State, Medicare Supplement insurance premiums range from $137 to $435 monthly based on plan selection. Plan G leads in popularity statewide and averages $361 per month, covering most Medicare gaps with predictable costs after you meet the Part B deductible. 

Plan K starts at just $137 monthly, the lowest available, while Plan F reaches $435. Plan N offers solid protection at $280 per month without premium pricing, a smart choice for budget-conscious seniors. Plan L costs $233 monthly and Plan A runs $331, both providing additional affordable coverage pathways.

In Florida, all plans are standardized by federal law, so Plan G offers identical benefits regardless of which company sells it. Companies compete mainly on price for this identical coverage.

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 provide 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. They provide programs and resources tailored to the needs of older adults. Find your local agency.
• 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

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.