Best Medicare Supplement Plans in Florida 2026

Plan G is the most popular and recommended Medicare Supplement plan in Florida for anyone who became eligible for Medicare after January 1, 2020. It covers all out-of-pocket costs except the annual Part B deductible ($257 in 2026). Plan N is a strong alternative if you want lower premiums and do not mind small copays for office and ER visits.

Plan G premiums in Florida range from approximately $194 to $400 per month for a 65-year-old, depending on the carrier, your county, gender, and tobacco use. The statewide average is around $237 per month. Carriers like State Farm and Wellabe tend to offer the lowest rates in many Florida counties.

No, Florida does not have a birthday rule for Medicare Supplement plans. Unlike states such as California, Oregon, and Illinois, Florida does not offer an annual guaranteed-issue window to switch Medigap carriers without medical underwriting. Your best opportunity to enroll without health questions is during your initial 6-month Medigap Open Enrollment Period when you first turn 65 and enroll in Part B.

Yes, but you will likely need to pass medical underwriting (health questions). Florida does not provide a guaranteed-issue period for switching outside of your initial enrollment. Some carriers may decline your application or charge higher rates based on pre-existing conditions. This is why choosing the right carrier during your initial enrollment is especially important in Florida.

Over 28 insurance companies offer Medicare Supplement plans in Florida, making it one of the most competitive Medigap markets in the country. This competition benefits consumers through lower premiums and more plan options. Top carriers include State Farm, AARP/UnitedHealthcare, Mutual of Omaha, Cigna (HealthSpring), and Aetna.

Both Plan G and Plan N cover Part A hospital costs, Part B coinsurance, skilled nursing coinsurance, and the Part A deductible. The key differences: Plan G also covers Part B excess charges and has no copays. Plan N has lower premiums but charges up to $20 for office visits and up to $50 for ER visits that do not result in admission. Plan N also does not cover Part B excess charges (though these are rare in Florida since most doctors accept Medicare assignment).

The best time is during your 6-month Medigap Open Enrollment Period, which starts the month you turn 65 and are enrolled in Medicare Part B. During this window, insurance companies cannot deny you coverage or charge higher premiums due to health conditions. After this period, you may face medical underwriting in Florida.

Medicare Supplement premiums may be tax-deductible as a medical expense on your federal income tax return if your total medical expenses exceed 7.5% of your adjusted gross income. Florida has no state income tax, so there is no additional state deduction to consider. Consult a tax professional for guidance specific to your situation.