Best Medicare Supplement Plans in Texas 2026
We compared 30+ Medigap carriers in Texas based on pricing, financial strength, complaint records, and more to find the best options for Texas seniors.
Nearly 950,000 Texans 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. With over 4.5 million Medicare beneficiaries in the state, Texas is one of the largest and most competitive Medigap markets in the country.
Many companies offer Medigap plans in Texas, but only a few earn top marks on our data-driven ratings. We compared companies based on prices, financial strength, complaint rates, plan availability, and discount options to find the best Medigap plans in Texas for 2026.
Compare the Best Medicare Supplement Plans in Texas
Our top-rated Medigap carriers in Texas, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in Dallas, TX.
State Farm
Plan G
$160/mo
Plan N
$112/mo
AM Best
A++
Plans
6 types
AARP/UnitedHealthcare
Plan G
$159/mo
Plan N
$136/mo
AM Best
A+
Plans
8 types
HealthSpring (formerly Cigna)
Plan G
$145/mo
Plan N
$106/mo
AM Best
A
Plans
4 types
Mutual of Omaha
Plan G
$152/mo
Plan N
$115/mo
AM Best
A+
Plans
4 types
Wellabe (formerly Medico)
Plan G
$154/mo
Plan N
$113/mo
AM Best
A
Plans
6 types
Medicare Supplement Prices in Texas
Sample monthly premiums from our top-scoring carriers. Rates shown are for a 65-year-old female nonsmoker in Dallas, TX and include available household discounts. Actual rates vary by ZIP code, age, gender, and health status.
| Insurance Company | Plan G Monthly | Plan N Monthly | MedicareFAQ Score |
|---|---|---|---|
| State Farm | $160 | $112 | 4.9 |
| AARP/UnitedHealthcare | $159 | $136 | 4.7 |
| HealthSpring (formerly Cigna) | $145 | $106 | 4.5 |
| Mutual of Omaha | $152 | $115 | 4.4 |
| Wellabe (formerly Medico) | $154 | $113 | 4.2 |
Lowest available in Texas: Plan G from $105/mo | Plan N from $80/mo
Plan G vs. Plan N in Texas
Plan G and Plan N are the two most popular Medicare Supplement plans in Texas. Here is how they compare for Texas beneficiaries.
| 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 (TX) | $175/mo | $130/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.
Texas has no birthday rule. Unlike California, Oregon, and Illinois, Texas does not give you an annual window to switch Medigap plans without medical underwriting. The Texas Department of Insurance (TDI) regulates Medigap, but there is no state law requiring carriers to accept you outside your initial Open Enrollment Period. That 6-month window - starting when you turn 65 and enroll in Part B - is your best chance to lock in the right plan at the best rate, no health questions asked.
Texas Medigap Rules You Should Know
No Birthday Rule in Texas
Unlike California, Oregon, and Illinois, Texas does not offer an annual guaranteed-issue window to switch Medigap carriers. Once your initial 6-month Open Enrollment Period ends, you will need to pass medical underwriting to change plans. This makes choosing the right carrier from the start especially important in Texas.
Regulated by the Texas Department of Insurance (TDI)
All Medicare Supplement plans sold in Texas are regulated by the Texas Department of Insurance. TDI enforces federal standardization rules, meaning Plan G from any carrier covers the same benefits. TDI also enforces a 30-day free-look period, allowing you to return a new policy for a full refund if you are not satisfied.
Rating Methods in Texas
Most Texas Medigap carriers use attained-age rating, meaning premiums increase as you get older. Some carriers offer issue-age plans where your premium is based on the age you first enrolled. Ask about rating type when comparing quotes, as it significantly affects long-term costs. Issue-age policies typically start higher but increase more slowly over time.
Large Senior Population Means More Competition
With 4.5 million Medicare beneficiaries, Texas is one of the largest Medigap markets in the country. This means more than 30+ carriers compete for your business, resulting in competitive premiums and more plan options than most states.
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 Texas state average for a 65-year-old.
Plan Availability
Number of standardized Medigap plan letters offered in Texas.
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
Explore Texas Medicare Supplement Plans
Compare rates and coverage details for specific plan types available to Texas Medicare beneficiaries.
Compare Plan G premiums from 30+ carriers in Texas. 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 Texas?
Plan G is the most popular and recommended Medicare Supplement plan in Texas for anyone who became eligible for Medicare after January 1, 2020. It covers all out-of-pocket costs except the annual Part B deductible ($283 in 2026). Plan N is a strong alternative if you want lower premiums and don't mind small copays for office and ER visits.
How much does Medigap Plan G cost in Texas?
Plan G premiums in Texas range from approximately $105 to $250 per month for a 65-year-old female nonsmoker in Dallas, depending on the carrier, your city, gender, and tobacco use. The statewide average is around $175 per month. HealthSpring (formerly Cigna) and State Farm tend to offer the lowest rates in many Texas markets.
Does Texas have a Medigap birthday rule?
No, Texas does not have a birthday rule for Medicare Supplement plans. Unlike states such as California, Oregon, and Illinois, Texas 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.
Can I switch Medigap plans in Texas after my open enrollment ends?
Yes, but you will likely need to pass medical underwriting (health questions). Texas does not provide a guaranteed-issue period for switching outside of your initial enrollment window. 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 Texas.
How many companies sell Medicare Supplement plans in Texas?
Over 30 insurance companies offer Medicare Supplement plans in Texas, making it one of the largest and 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, HealthSpring (formerly Cigna), Mutual of Omaha, and Wellabe.
What is the difference between Plan G and Plan N in Texas?
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 Texas since most doctors accept Medicare assignment.
When is the best time to buy a Medigap plan in Texas?
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 regulated by the Texas Department of Insurance (TDI) cannot deny you coverage or charge higher premiums due to health conditions. After this period, you may face medical underwriting.
Does Texas regulate Medicare Supplement insurance?
Yes. Medicare Supplement plans in Texas are regulated by the Texas Department of Insurance (TDI). Texas follows federal standardization rules, meaning Plan G from any carrier covers the same benefits. TDI also enforces a 30-day free look period, allowing you to return a new policy for a full refund if you are not satisfied.
Find the Best Medigap Rate in Your Area
Medigap premiums vary significantly by ZIP code in Texas. Enter yours to see exact rates from all available carriers, compare plans side by side, and find the best value for your coverage needs.