Overview

As healthcare costs continue to rise, selecting the right Medicare Supplement Insurance (Medigap) plan for 2026 is more important than ever. These policies help pay for out-of-pocket costs that Original Medicare (Parts A and B) doesn’t cover—like deductibles, copayments, and coinsurance.

This guide highlights the best Medicare Supplement companies in 2026, evaluating each carrier’s strengths, pricing, and customer experience to help you find the plan that fits your lifestyle and budget.

Medicare Supplement Insurance Plan Comparison (2026)

What Is a Medicare Supplement Insurance Plan (Medigap)?

A Medigap plan is private insurance that works with Original Medicare to reduce out-of-pocket costs. Each plan (A–N) is standardized by federal law, meaning the benefits are identical across all insurers. Differences come from pricing, rate increase history, service quality, and financial strength.

Choosing the right Medigap plan depends on your health needs, budget, and which companies offer coverage in your area.

When You Can Enroll in a Medigap Plan

Your Medigap Open Enrollment Period lasts for six months, starting when you’re 65 or older and enrolled in Medicare Part B. During this period, you can buy any plan without medical underwriting. After it ends, you may need to undergo a health screening, unless you qualify for a guaranteed-issue policy.

The Birthday Rule

Some states allow you to switch to another Medigap plan of equal or lesser benefits within 30–60 days of your birthday each year without medical underwriting.

Top Medicare Supplement Insurance Companies for 2026

These eight insurers rank among the most reputable and financially stable Medicare Supplement companies in 2026.

1. UnitedHealthcare / AARP – Best Plan Pairing: Plan G or Plan N 

Why It Stands Out
UnitedHealthcare, under the AARP brand, offers one of the largest and most recognized Medicare Supplement programs nationwide. Known for reliability and stable premiums, it also provides added benefits through AARP membership, such as wellness and fitness programs.

Pros

• Nationwide reach and broad provider acceptance

• AARP discounts and helpful digital tools

• Strong history of rate stability

Cons

• Slightly higher premiums

• Requires an AARP membership

Coverage Areas: All 50 states and Washington, D.C.
Plan Types Offered: A, B, C*, D, F*, G, K, L, N (C and F only for those eligible before Jan. 1, 2020)
A.M. Best Rating: A (Excellent) — downgraded from A+ on Aug. 28, 2025; outlook stable.

NOTE: UnitedHealthcare underwrites and administers AARP-branded Medicare Supplement (Medigap) plans. AARP is a membership organization that licenses its name and endorses these plans.

2. Cigna Healthcare – Best Plan Pairing: Plan G

Why It Stands Out
Cigna offers reliable Medigap options backed by strong financial ratings and a focus on member wellness, including a 24/7 nurse line. Its Plans G and N are known for rate consistency and strong nationwide availability.

Pros

• Highly rated customer service

• Strong financial position

• Added wellness and preventive care perks

Cons

• Limited ZIP-code availability

• Premiums may be higher in some areas

Coverage Areas: 48 states and Washington, D.C. (not available in Massachusetts or Minnesota)
Plan Types Offered: A, F*, G, High-Deductible G, N (F only for those eligible before 2020)
A.M. Best Rating: A (Excellent) — affirmed April 2025.

3. Humana – Best Plan Pairing: Plan N 

Why It Stands Out
Humana offers flexible Medigap options with optional bundles for dental, vision, and hearing care. It’s a strong choice for affordability, customer education, and online convenience.

Pros

• Easy online enrollment and support

• Optional dental, vision, and hearing add-ons

• Nationwide accessibility

Cons

• Rate increases vary by location

• Plan benefits differ by ZIP code

Coverage Areas: 47 states and Washington, D.C. (not available in Massachusetts, Minnesota, or Wisconsin)
Plan Types Offered: A, F*, G, High-Deductible G, N (F only for those eligible before 2020)
A.M. Best Rating: A (Excellent) — upgraded from A– in 2023; stable through 2025.

4. Aetna (CVS Health) – Best Plan Pairing: Plan N 

Why It Stands Out
Aetna, a CVS Health company, offers competitively priced Medigap plans with streamlined digital tools and household discounts. Its Plans G and N balance affordability with robust protection and broad state availability.

Pros

• Simple digital enrollment process

• Nationwide availability

• Household and multi-policy discounts

Cons

• Rate variations by state

• Mixed service experience in some areas

Coverage Areas: 49 states (not available in Massachusetts)
Plan Types Offered: A, B, F*, G, High-Deductible G, N (F only for those eligible before 2020)
A.M. Best Rating: A (Excellent) — affirmed May 2025.

5. Blue Cross Blue Shield (State-Level Plans) – Best Plan Pairing: Plan G or Plan F (if eligible)

Why It Stands Out
Blue Cross Blue Shield (BCBS) operates through 34 independent state companies, offering trusted local Medigap plans with national recognition. Plans are widely accepted among Medicare providers and supported by strong customer service networks.

Pros

• Trusted reputation in each state

• Broad Medicare provider acceptance

• Dependable claims support

Cons

• Pricing and plans vary by state

• Comparisons can be difficult across affiliates

Coverage Areas: Nationwide through independent BCBS entities
Plan Types Offered: A, F*, G, High-Deductible G, N (F only for those eligible before 2020)
A.M. Best Rating: Varies by plan — typically A (Excellent); includes Elevance Health, Florida Blue, and BCBS Michigan.

6. Mutual of Omaha – Best Plan Pairing: High-Deductible Plan G 

Why It Stands Out
Mutual of Omaha is one of the most respected names in the Medigap market, known for transparent pricing and consistent rate stability. It’s particularly competitive for Plan G options.

Pros

• Competitive premiums and steady rates

• Excellent customer service reputation

Cons

• Limited online tools

• Premiums may vary by region

Coverage Areas: 49 states and Washington, D.C. (not available in Massachusetts)
Plan Types Offered: A, F*, G, High-Deductible G, N (F only for those eligible before 2020)
A.M. Best Rating: A+ (Superior) — affirmed May 2025.

7. United American – Best Plan Pairing: Plan F (for those eligible before 2020)

Why It Stands Out
United American specializes in Medigap plans backed by more than 40 years of experience. It appeals to consumers who prefer simplicity and financial stability.

Pros

• Longstanding reputation for stability

• Straightforward policy options

Cons

• Smaller market presence despite national licensing

• Limited online tools

Coverage Areas: 49 states (not available in Massachusetts)
Plan Types Offered: A, B, D, F*, G, High-Deductible G, K, L, N (F only for those eligible before 2020)
A.M. Best Rating: A (Excellent) — affirmed for Globe Life group subsidiaries.

8. Physicians Mutual – Best Plan Pairing: Plan G

Why It Stands Out
Physicians Mutual focuses on predictable premiums, customer service, and easy-to-understand policies. It’s ideal for enrollees looking for dependable pricing and long-term stability.

Pros

• Steady premiums
• Simple enrollment process

Cons

• Fewer plan types compared with larger carriers
• Limited geographic availability

Coverage Areas: 38 states (expanding in 2026)
Plan Types Offered: A, F*, G, High-Deductible G, N (F only for those eligible before 2020)
A.M. Best Rating: A (Excellent) — affirmed October 2024.

Top Medicare Supplement Insurance Plans for 2026

Methodology

This ranking of the best Medicare Supplement companies in 2026 is based on analysis of national Medigap insurers and state-level rate filings. Data was sourced from the A.M. Best and official company financial disclosures. The analysis also incorporates ratings from our insurer review series published on Healthcare Insider, our partner site, owned and operated by our parent company, Healthcare.com.

Evaluation criteria included:

• Plan availability by state

• Rate stability (premium trends 2020–2025)

• Financial strength (A.M. Best and S&P ratings)

• Added value such as discounts, wellness perks, and online tools

Each insurer’s ranking represents a balanced view of coverage quality, pricing transparency, and member experience.

How to Choose the Right Medigap Plan

• Compare premiums: Costs vary widely between carriers.

• Check rate history: Look for steady increases, not low intro rates.

• Ask about discounts: Household or multi-policy discounts may save 5–10%.

• Confirm availability: Not all plans are offered in every ZIP code.

• Match to your health needs: Frequent care → Plan G; healthy → Plan N or High-Deductible G.

Medicare Supplement Plans Comparison Chart

Key

• ✓ = Plan covers 100% of this benefit

• X = Plan does not cover this benefit

• % = Plan covers that percentage of the benefit

• N/A = Not applicable

Notes:

• *Plans F and G also offer a high-deductible option in some states. You must pay Medicare-covered costs up to $2,870 in 2025 before coverage begins.

• *Plans C and F are not available to people who became eligible for Medicare on or after January 1, 2020.

• For Plans K and L: After meeting your yearly out-of-pocket limit and Part B deductible, the plan pays 100% of covered services for the rest of the year.

• *Plan N pays 100% of Part B coinsurance, except for up to $20 copay for office visits and up to $50 copay for ER visits (if not admitted).

Bottom Line

In 2026, Plan G remains the most popular and comprehensive Medigap option for new Medicare enrollees.

Among the best Medicare Supplement companies in 2026, UnitedHealthcare/AARP, Cigna, Humana, and Aetna lead for national coverage and financial strength, while Mutual of Omaha and Physicians Mutual stand out for stability and predictable pricing.

To find the best value, compare personalized quotes from several carriers in your state — balancing price, coverage, and long-term reliability.

As you evaluate different Medigap providers and plan types, be sure to refer to the 2026 Guide to Medicare Plans for deeper insights and up-to-date comparisons.