Florida Medigap Plans
Medicare Supplement Plans in Florida - 2026 Rates, Rules & Carrier Options
Medicare Enrollees
4.8 million
Avg Plan G Premium
$145–$220/month
Birthday Rule
Yes - annual switch window
Most Popular Plan
Plan G
Medigap in Florida
Florida has one of the largest Medicare populations in the country, with nearly 4.8 million enrollees. The state follows federal Medigap standardization, so all lettered plans (A through N) are available. Florida also has a Birthday Rule that gives beneficiaries an annual window to switch Medigap plans without medical underwriting. The large Medicare market means strong competition among carriers, often resulting in competitive pricing.
Open Enrollment in Florida
Standard 6-month open enrollment period starting when you turn 65 and enroll in Medicare Part B.
Florida Medigap Rules
- Florida follows federal Medigap standardization (Plans A–N)
- Florida has a Birthday Rule - you can switch to a plan with equal or lesser benefits during the 30 days surrounding your birthday each year without medical underwriting
- Large Medicare population means competitive pricing from many carriers
- Community-rated pricing is common in Florida
Top Carriers in Florida
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Compare Florida Medigap Rates
Our licensed Medicare agents specialize in Florida Medigap plans and can compare rates from all available carriers at no cost to you.