Best Medicare Supplement Plans in Pennsylvania 2026
We compared 30+ Medigap carriers in Pennsylvania based on pricing, financial strength, and complaint records to find the best coverage for Pennsylvania's ~680,000 Medigap enrollees.
More than 680,000 people in Pennsylvania have Medicare Supplement Insurance, or Medigap. Medigap plans help cover certain out-of-pocket expenses like copays, coinsurance, and deductibles left over after Medicare pays for covered services.
Pennsylvania is a standard attained-age rating state, meaning premiums increase as you age. The most important time to enroll is during your 6-month Open Enrollment Period when you turn 65 and sign up for Part B - during this window, carriers cannot deny you coverage or charge more due to health conditions. Plan G is the most popular plan in Pennsylvania, held by 37% of Medigap enrollees, and premiums start as low as $133 per month.
Compare the Best Medicare Supplement Plans in Pennsylvania
Our top-rated Medigap carriers in Pennsylvania, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in Pittsburgh. Rates in Philadelphia and other regions may vary.
State Farm
Plan G
$145/mo
Plan N
$105/mo
AM Best
A++
Plans
6 types
AARP/UnitedHealthcare
Plan G
$165/mo
Plan N
$120/mo
AM Best
A+
Plans
8 types
HealthSpring (formerly Cigna)
Plan G
$133/mo
Plan N
$95/mo
AM Best
A
Plans
4 types
Mutual of Omaha
Plan G
$150/mo
Plan N
$108/mo
AM Best
A+
Plans
4 types
Wellabe
Plan G
$138/mo
Plan N
$98/mo
AM Best
A-
Plans
4 types
Medicare Supplement Prices in Pennsylvania
Sample monthly premiums from our top-scoring carriers. Rates shown are for a 65-year-old female nonsmoker in Pittsburgh and include available household discounts. Pennsylvania uses attained-age rating - premiums will increase as you age. Philadelphia and other regions may have different rates.
| Insurance Company | Plan G Monthly | Plan N Monthly | MedicareFAQ Score |
|---|---|---|---|
| State Farm | $145 | $105 | 4.9 |
| AARP/UnitedHealthcare | $165 | $120 | 4.7 |
| HealthSpring (formerly Cigna) | $133 | $95 | 4.5 |
| Mutual of Omaha | $150 | $108 | 4.4 |
| Wellabe | $138 | $98 | 4.2 |
Lowest available in Pennsylvania (Pittsburgh): Plan G from $133/mo | Plan N from $95/mo | Source: CMS Medicare Plan Finder, NerdWallet Feb 2026
Plan G vs. Plan N in Pennsylvania
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in Pennsylvania. Here is how they compare.
| Coverage Feature | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered* |
| Part A deductible ($1,736) | Covered | Covered |
| Part B deductible ($283) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Avg. monthly premium (Pittsburgh) | $148/mo | $107/mo |
*Plan N covers Part B coinsurance but may charge up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission.
Your 6-month Open Enrollment Period is the most important window you have. Pennsylvania does not have a birthday rule - once your OEP ends, carriers can use medical underwriting to deny coverage or charge more if you want to switch plans. Lock in your Medigap coverage during your OEP at age 65 to get the best rate and guaranteed acceptance. Also note: HealthSpring offers the lowest premiums in Pennsylvania, but has a higher-than-expected complaint rate. If customer service matters to you, State Farm or Mutual of Omaha may be worth the slightly higher premium.
Pennsylvania Medigap Rules You Should Know
6-Month Open Enrollment Period
Your Medigap Open Enrollment Period is a one-time 6-month window that starts the first month you are 65 or older and enrolled in Medicare Part B. During this period, carriers cannot deny you coverage or charge more due to pre-existing health conditions. This is the best time to enroll in Medigap in Pennsylvania.
No Birthday Rule in Pennsylvania
Pennsylvania does not have a birthday rule. A bill was proposed in the Pennsylvania House in September 2025 that would create a 60-day annual enrollment window, but it had not been passed into law as of early 2026. Without a birthday rule, switching Medigap plans after your OEP typically requires passing medical underwriting.
Attained-Age Rating
Pennsylvania uses attained-age rating, which means your Medigap premium increases as you get older. Premiums are based on your current age and rise each year. This makes enrolling during your OEP at age 65 especially important - you will start at the lowest possible rate and lock in coverage before any health issues arise.
PA MEDI - Free Medicare Counseling
PA MEDI (Pennsylvania Medicare Education and Decision Insight) is Pennsylvania's State Health Insurance Assistance Program (SHIP). It provides free, unbiased Medicare counseling from trained volunteers. PA MEDI counselors can help you compare Medigap plans, understand your options, and navigate enrollment. Contact them through the Pennsylvania Insurance Department.
Regulated by the Pennsylvania Insurance Department
All Medigap plans in Pennsylvania are regulated by the Pennsylvania Insurance Department (PID). The PID maintains an official listing of all licensed Medigap carriers and provides consumer resources for comparing plans. Pennsylvania also enforces a 30-day free-look period, allowing you to return a new policy for a full refund if you are not satisfied.
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 rating and outlook stability. A++ carriers score highest.
Pricing Competitiveness
Plan G and Plan N premiums compared to the Pennsylvania state average for a 65-year-old female nonsmoker in Pittsburgh.
Plan Availability
Number of standardized Medigap plan letters offered in Pennsylvania.
Consumer Satisfaction
NAIC complaint ratio relative to market share and customer review sentiment.
Discounts & Value
Household, loyalty, payment mode, and other available premium discounts.
Last updated: February 2026 | Data sources: CMS Medicare Plan Finder, AM Best, NAIC Complaint Database, NerdWallet, Pennsylvania Insurance Department
Explore Pennsylvania Medicare Supplement Plans
Compare rates and coverage details for specific plan types available to Pennsylvania Medicare beneficiaries.
Compare Plan G premiums from 30+ carriers in Pennsylvania. Covers everything except the Part B deductible.
Lower premiums with small copays. A strong alternative to Plan G for healthy beneficiaries.
Lowest monthly premiums with a higher deductible. Best for those who rarely use healthcare.
Frequently Asked Questions
What is the best Medicare Supplement plan in Pennsylvania?
Plan G is the most popular Medicare Supplement plan in Pennsylvania, held by 37% of Medigap enrollees. It covers all out-of-pocket costs except the annual Part B deductible ($283 in 2026). Plan N is a strong alternative with lower premiums but small copays for office and ER visits. State Farm, AARP/UnitedHealthcare, and HealthSpring are consistently top-rated carriers in Pennsylvania.
How much does Medigap Plan G cost in Pennsylvania?
Plan G premiums in Pennsylvania are among the most affordable in the country. In Pittsburgh, Plan G starts at approximately $133 per month for a 65-year-old female nonsmoker. Rates vary by city - Philadelphia rates tend to be slightly higher. Pennsylvania uses attained-age rating, so premiums will increase as you age.
Does Pennsylvania have a birthday rule?
No. Pennsylvania does not currently have a birthday rule. A bill was proposed in the Pennsylvania House in September 2025, but it had not been passed into law as of early 2026. This means you can only switch Medigap plans without medical underwriting during your initial 6-month Open Enrollment Period or other qualifying guaranteed issue periods.
When is the best time to enroll in Medigap in Pennsylvania?
The best time to enroll is during your 6-month Medigap Open Enrollment Period (OEP), which begins the month you turn 65 and enroll in Medicare Part B. During this window, carriers cannot deny you coverage or charge more due to health conditions. Once your OEP ends, you may face medical underwriting if you want to change plans.
What is attained-age rating in Pennsylvania?
Pennsylvania uses attained-age rating, which means your Medigap premium increases as you get older. Premiums are based on your current age and rise each year. This is the most common rating method in the U.S. It means locking in a plan during your OEP at age 65 is important - you'll start at the lowest possible rate.
Can I switch Medigap plans in Pennsylvania?
After your initial Open Enrollment Period, switching Medigap plans in Pennsylvania typically requires passing medical underwriting - meaning carriers can deny you or charge more based on health conditions. Exceptions include guaranteed issue periods (such as losing employer coverage or moving out of a plan's service area). Pennsylvania does not have a birthday rule, so there is no annual guaranteed switch window.
What is PA MEDI and how can it help me?
PA MEDI (Pennsylvania Medicare Education and Decision Insight) is Pennsylvania's State Health Insurance Assistance Program (SHIP). It provides free, unbiased Medicare counseling from trained volunteers. PA MEDI counselors can help you compare Medigap plans, understand your options, and enroll in the right coverage. Contact them through the Pennsylvania Insurance Department.
How many companies sell Medicare Supplement plans in Pennsylvania?
Over 30 insurance companies are licensed to sell Medicare Supplement plans in Pennsylvania. Top carriers include State Farm, AARP/UnitedHealthcare, HealthSpring (formerly Cigna), Mutual of Omaha, and Wellabe. The Pennsylvania Insurance Department maintains an official listing of all licensed Medigap carriers.
Find the Best Medigap Rate in Your Pennsylvania ZIP Code
Medigap premiums vary by city in Pennsylvania. Enter your ZIP code to see exact rates from all available carriers in your area - and remember, your Open Enrollment Period is the best time to lock in coverage.