Best Medicare Supplement Plans in Idaho 2026
Idaho has had a birthday rule since 2022, giving current policyholders a 63-day window each year to switch plans without medical underwriting. Plan G starts at $201/mo (Globe Life). State Farm offers the lowest Plan N at $141/mo with an A++ rating. Over 29+ carriers serve Idaho.
Idaho Birthday Rule (Since 2022): Switch Plans Without Medical Underwriting
Idaho has had a birthday rule since 2022. Current Medigap policyholders have a 63-day window starting on their birthday each year to switch to an equal or lesser plan with any carrier without answering health questions. No denial based on pre-existing conditions. Idaho seniors should shop their Medigap premiums every year during this window to find lower rates.
More than 105,000 Idaho residents have Medicare Supplement Insurance, also called Medigap. Idaho follows standard federal Medigap rules, offering plans A through N, with one important state-specific protection: the birthday rule, which has been in effect since 2022.
Plan G is the most popular choice for new enrollees, covering nearly all Medicare out-of-pocket costs except the annual Part B deductible ($283 in 2026). Plan G premiums in Boise range from $201/mo (Globe Life) to $262/mo (Transamerica) for a 65-year-old. The state average is $242/mo, so shopping carefully can save $40/mo or more.
Medigap is especially valuable for rural Idaho residents because it works with any Medicare-accepting provider nationwide. If you live in a rural area and need to travel to Boise or another city for specialty care, Medigap covers your costs without network restrictions. State Farm stands out with an A++ AM Best rating, the lowest Plan N in Idaho at $141/mo, and a large local agent network across Boise, Coeur d'Alene, and rural communities.
Compare the Best Medicare Supplement Plans in Idaho
Our top-rated Medigap carriers in Idaho, ranked by the MedicareFAQ Score. Rates shown are for a 65-year-old in the Boise area and are updated for 2026.
Globe Life
Plan G
$201/mo
Plan N
N/A/mo
AM Best
A
Globe Life offers the lowest Plan G premium in Idaho at $201/mo, saving enrollees $41/mo compared to the state average. They also lead on Plans B, C, and F. For Idaho seniors focused on minimizing monthly costs, Globe Life is the top choice.
State Farm
Plan G
$207/mo
Plan N
$141/mo
AM Best
A++
State Farm holds the highest possible AM Best rating (A++) and offers the lowest Plan N in Idaho at $141/mo. With Plan G at $207/mo and face-to-face local agent service, State Farm is the best overall value for Idaho enrollees who want the highest financial strength.
Mutual of Omaha
Plan G
$215/mo
Plan N
$155/mo
AM Best
A+
Mutual of Omaha is the top-rated Medicare Supplement carrier for customer service in Idaho, combining A+ financial strength with outstanding support. Their 7% household discount and stable rate history make them the most trusted choice for Idaho retirees who want long-term reliability.
Blue Cross of Idaho
Plan G
$234/mo
Plan N
$165/mo
AM Best
A-
Blue Cross of Idaho is the dominant local carrier in the state, offering the lowest Plan A at $153/mo and strong provider relationships statewide. As an Idaho-based carrier, they have deep knowledge of local healthcare markets in Boise, Coeur d'Alene, and rural communities.
Transamerica
Plan G
$262/mo
Plan N
$175/mo
AM Best
A
Transamerica is the only carrier in Idaho that offers all 10 standard Medigap plan types, including the less common Plans K, L, and M. With issue-age pricing available, Transamerica is a strong choice for Idaho enrollees who want maximum plan flexibility and long-term rate stability.
Idaho Medigap Premium Comparison
Monthly premiums for a 65-year-old in Boise, Idaho. Rates are for standard Plan G, Plan N, and Plan F. Premiums vary by ZIP code, age, gender, and tobacco use.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| Globe Life | $201 | N/A | $247 |
| Moda Health | $207 | N/A | N/A |
| State Farm | $207 | $141 | N/A |
| MedMutual Protect | $209 | N/A | N/A |
| AFLAC | $215 | N/A | N/A |
| Mutual of Omaha | $215 | $155 | $252 |
| Blue Cross of Idaho | $234 | $165 | $278 |
| Transamerica | $262 | $175 | $300 |
Rates are for a 65-year-old in Boise, Idaho. N/A indicates the plan is not offered by that carrier in Idaho. Plan F is only available to Medicare beneficiaries who became eligible before January 1, 2020. Source: carrier rate filings, updated 2026.
Plan G vs. Plan N in Idaho
Plan G and Plan N are the two most popular Medigap plans for new enrollees in Idaho. Here is how they compare.
| Feature | Plan G | Plan N |
|---|---|---|
| Monthly premium (lowest ID rate) | $201/mo (Globe Life) | $141/mo (State Farm) |
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered (with copays) |
| Part B deductible ($283) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Office visit copay | None | Up to $20 |
| ER visit copay (no admission) | None | Up to $50 |
| Best for | Frequent care, predictable costs | Healthy seniors, low monthly costs |
Idaho has had a birthday rule since 2022, which means you have an annual opportunity to shop your Medigap premium without medical underwriting. Use this 63-day window every year starting on your birthday. For Plan G, Globe Life at $201/mo is the cheapest, but State Farm at $207/mo gives you A++ financial strength for only $6/mo more. For Plan N, State Farm at $141/mo is the clear winner. If you live in a rural area, Medigap is especially valuable because it works with any Medicare-accepting provider nationwide, unlike Medicare Advantage plans with network restrictions. Blue Cross of Idaho is the top local option if you prefer a carrier with deep Idaho roots.
Idaho Medigap Rules You Should Know
Idaho Birthday Rule (Effective 2022)
Idaho has a birthday rule effective since 2022. Current Medigap policyholders have a 63-day window starting on their birthday each year to switch to an equal or lesser Medigap plan with any carrier without medical underwriting. No health questions, no denial based on pre-existing conditions. This gives Idaho enrollees an annual opportunity to shop for lower premiums.
Attained-Age Rating Is Standard
Most Idaho Medigap policies use attained-age rating, meaning premiums increase as you get older. Issue-age policies, where premiums are locked at your enrollment age, are available from select carriers including Transamerica and may save money long-term for enrollees who plan to keep the same carrier for many years.
Under-65 Coverage: Carriers May Decline
Idaho does not require insurance companies to sell Medigap plans to Medicare beneficiaries under 65 who qualify due to disability. Some carriers voluntarily offer under-65 coverage, but they may charge higher premiums. Check with individual carriers for availability.
Free Counseling via SHIBA
Idaho's Senior Health Insurance Benefits Advisors (SHIBA) provides free, unbiased Medicare counseling. Call 1-800-247-4422 to speak with a trained counselor who can help you compare plans, understand your rights, and enroll. SHIBA has regional offices in Boise, Coeur d'Alene, and Pocatello.
Household Discount Available
Many Idaho carriers offer a household discount of 5% to 7% when two people in the same household both enroll in a Medigap plan with the same carrier. Carriers offering this discount include Mutual of Omaha, Humana, and Cigna. Always ask about the household discount when getting quotes.
Rural Coverage Consideration
Idaho has significant rural areas where provider access can be limited. Medigap plans work with any Medicare-accepting provider nationwide, which is a major advantage for rural Idaho residents who may need to travel to Boise or other cities for specialty care. Medicare Advantage plans with network restrictions may be less suitable for rural Idaho.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
Claims-paying ability and long-term stability
Customer Satisfaction
NAIC complaint ratios and member satisfaction surveys
Premium Competitiveness
Plan G and Plan N rates vs. Idaho market average
Plan Availability
Number of plan types offered in Idaho
Discounts and Value
Household discounts, EFT discounts, and added benefits
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, carrier rate filings, CMS Medicare Plan Finder
Frequently Asked Questions
What is the best Medicare Supplement plan in Idaho for 2026?
Plan G is the most popular and recommended Medigap plan in Idaho for new enrollees. It covers nearly all Medicare out-of-pocket costs except the annual Part B deductible ($283 in 2026). Globe Life offers the lowest Plan G at $201/mo. For the best overall value combining low premiums with high financial strength, State Farm at $207/mo (A++ rated) is the top recommendation.
Does Idaho have a birthday rule for Medigap?
Yes. Idaho has had a birthday rule since 2022. Current Medigap policyholders have a 63-day window starting on their birthday each year to switch to an equal or lesser Medigap plan with any carrier without medical underwriting. No health questions, no denial based on pre-existing conditions. Idaho seniors should shop their Medigap premiums every year during this window.
How much does Medicare Supplement Plan G cost in Idaho?
Plan G premiums in Idaho range from approximately $201/mo (Globe Life) to $262/mo (Transamerica) for a 65-year-old in Boise. The state average is $242/mo. Globe Life at $201/mo offers the lowest rate, followed by Moda Health and State Farm at $207/mo. Premiums vary by carrier, ZIP code, age, gender, and tobacco use.
What is the Idaho birthday rule and how does it work?
Idaho's birthday rule gives Medigap policyholders a 63-day window starting on their birthday each year to switch to an equal or lesser plan with any carrier without medical underwriting. For example, if your birthday is June 15, you have from June 15 to August 16 to switch plans. You can switch to a plan with equal or lesser benefits, such as Plan G to Plan G or Plan G to Plan N, but not to a plan with more benefits.
What is the difference between Plan G and Plan N in Idaho?
Plan G covers nearly everything except the $283 Part B deductible. Plan N also skips the Part B deductible but adds copays of up to $20 for some office visits and $50 for emergency room visits that do not result in inpatient admission, and does not cover Part B excess charges. Plan N premiums run $141 to $175/mo in Idaho vs. $201 to $262/mo for Plan G. State Farm offers the lowest Plan N at $141/mo.
Is Medigap a good option for rural Idaho residents?
Yes. Medigap is especially valuable for rural Idaho residents because it works with any Medicare-accepting provider nationwide. If you live in a rural area and need to travel to Boise or another city for specialty care, Medigap covers your costs without network restrictions. Medicare Advantage plans with network restrictions may be less suitable for rural Idaho.
What is High-Deductible Plan G and is it available in Idaho?
High-Deductible Plan G (HDG) offers the same coverage as standard Plan G but requires you to pay a deductible of $2,950 (2026) before benefits kick in. In exchange, monthly premiums drop significantly. HDG is available in Idaho from select carriers. It is a strong option for healthy Idaho retirees who rarely use medical services and want to minimize monthly costs.
Where can I get free Medicare Supplement help in Idaho?
Idaho's Senior Health Insurance Benefits Advisors (SHIBA) provides free, unbiased Medicare counseling. Call 1-800-247-4422 to speak with a trained counselor who can help you compare plans, understand your rights, and enroll. SHIBA has regional offices in Boise, Coeur d'Alene, and Pocatello. There is no cost and counselors do not sell insurance.
Compare Idaho Medigap Rates and Use Your Birthday Rule
Idaho has had a birthday rule since 2022. Plan G starts at $201/mo (Globe Life). State Farm offers A++ financial strength at $207/mo for Plan G and $141/mo for Plan N. Use your 63-day birthday window every year to shop for lower premiums.