Best Plan G for Seniors – Top Choices for 2026

If you’re turning 65 or comparing Medicare Supplement options for 2026, Plan G remains the top choice for comprehensive, predictable coverage. It fills nearly all the gaps in Original Medicare, leaving you responsible only for the small Part B deductible.

After the rate increases we saw in 2025, many seniors are finding real savings by switching carriers for 2026. And since every Plan G offers identical coverage, the real difference comes down to price, rate stability, and service quality.

That’s where this guide comes in. We’ve compared the top-rated Medigap Plan G carriers for 2026, verified their pricing across key states like Texas and Florida, and evaluated each company’s strengths, weaknesses, and overall value.

In Texas, Cigna leads with the lowest Plan G premium at $166.80/month, followed by Aflac ($179.96), Mutual of Omaha ($198.38), and Humana ($205.33).
In Florida, Cigna again comes in lowest at $221.33, ahead of Humana ($229.55), Aflac ($245.11), and Mutual of Omaha ($260.61).

Bottom line: The benefits are identical – so choosing the right company can save you hundreds per year while keeping the same dependable coverage.

How We Chose the Best Plan G For Seniors in 2026

With so many insurance companies offering Medicare Supplement Plan G, it can be tough to tell which ones actually stand out. That’s why we took a data-driven (yet practical) approach to narrow down the best options for 2026.

Every company featured in this guide was evaluated using a blend of pricing data, rate history, and real-world performance.

Here’s what we focused on:

• Average monthly premiums for a 65-year-old non-smoker – the most common baseline for comparing Medigap plans across states.
• Rate increase trends and renewal stability, since a low first-year premium doesn’t mean much if it jumps every renewal.
• Financial strength and reputation, verified through independent agencies like A.M. Best, and the company’s history in the Medigap market.
• Customer service and claims turnaround times, based on verified reviews, complaint ratios, and industry data.
• Discounts and member perks, such as household savings, wellness programs, and additional support tools.

It’s worth noting that Medigap rates can vary quite a bit depending on your ZIP code, age, gender, and any household discounts you qualify for.

However, the companies listed ahead have consistently shown strong value and dependable performance in multiple states, making them solid nationwide choices for 2026.

The Best Medicare Plan G Companies for Seniors in 2026

When you’re comparing Medicare Supplement (Medigap) carriers, it’s important to remember one thing: every Plan G covers the exact same benefits.

The difference is how much you pay – and how your premiums behave over time.

Below are the four companies we believe offer the best balance of cost, rate stability, and reliability for seniors in 2026.

#1. Cigna Healthcare

Cigna has emerged as one of the most competitively priced and well-balanced Medigap carriers for 2026.

With an A (Excellent) rating from A.M. Best and a long history of stability, it continues to be one of the safest choices for retirees seeking predictable coverage.

In our verified rate comparison, Cigna offered the lowest Plan G premiums across both Texas and Florida – around $166.80/month in Texas (ZIP 77449) and $221.33/month in Florida (ZIP 33647).

Depending on the region, its Plan N premiums also lead the pack at $145–$164/month.

Beyond pricing, Cigna’s customer experience sets it apart. Claims are handled quickly and accurately, and its Wellness+ Rewards program gives policyholders access to savings on fitness memberships, nutrition programs, and vision care.

For couples, the household discount can make a meaningful difference in long-term affordability.

Why we like it: Cigna offers exceptional value for the cost, particularly for seniors who plan to keep their Medigap plan for years. Its combination of low entry pricing, strong support, and historically modest renewal increases makes it one of our top recommendations nationwide.

#2. Humana

Humana is one of the most recognized names in Medicare. As one of the largest national insurers, it offers wide availability, user-friendly tools, and an emphasis on preventive health and wellness.

Its 2026 Plan G premiums are about $205.33/month in Texas and $229.55/month in Florida, while Plan N averages around $150–$171/month in those same areas.

These rates position Humana solidly in the middle range – not the cheapest, but consistently competitive given its size and perks.

Its digital tools, including an online portal and mobile app, make it easy for policyholders to manage claims and track benefits.

Why we like it: Humana has a long, stable history in the Medicare market — it’s not a new or temporary player like ACE or Allstate, which exited the market. With decades of experience, strong financial backing, and nationwide availability, Humana remains a reliable choice for long-term Medigap coverage.

#3. Aflac

Best known for its supplemental insurance commercials, Aflac has made a strong entrance into the Medigap market and is quickly proving itself a serious competitor.

With an A+ (Superior) rating from A.M. Best, Aflac combines a reputable brand name with refreshingly transparent pricing. For 2026, its Plan G premiums average $179.96/month in Texas and $245.11/month in Florida, while Plan N comes in around $138–$178/month.

Aflac’s approach to Medigap coverage is straightforward: no complicated extras, just solid protection and fast, efficient service. It offers household discounts, EFT payment savings, and a reputation for quick claims turnaround – often within days.

Why we like it: Aflac is a great choice for seniors who want a trusted, recognizable name with a simple, no-nonsense Medigap experience. Its rates remain highly competitive for an A+ carrier, and its focus on customer satisfaction gives it strong momentum in the 2026 market.

#4. Mutual of Omaha

Mutual of Omaha is one of the oldest and most respected names in Medicare Supplement insurance – and for good reason. Since launching Medigap coverage in the 1960s, it’s built a reputation for rate stability, financial strength, and impeccable customer service.

In 2026, Mutual of Omaha’s Plan G rates trend slightly higher than competitors – about $198.38/month in Texas and $260.61/month in Florida.

For Plan N, premiums average around $152–$203/month. While these aren’t the lowest rates available, Mutual’s long record of steady renewals helps policyholders avoid large premium jumps later on.

Mutual of Omaha also includes Mutually Well®, a wellness platform that provides discounts on fitness centers, nutrition programs, and preventive health resources.

It offers up to a 12% discount for households, and its A+ (Superior) financial rating reinforces its dependability.

Why we like it: If you’re focused on long-term protection and rate stability, Mutual of Omaha is a company that has stood the test of time. Many retirees are willing to pay a little more upfront for the reassurance of steady, predictable renewals and consistently high-quality service.

Nationwide Plan G Premium Comparison (2026 Estimates)

Regarding Medigap Plan G, coverage is standardized – meaning every company offers the same benefits.

The only real differences are the monthly payment amount, how those rates behave over time, and the kind of service you can expect.

Below, we’ve compared verified 2026 Plan G premiums from the four most trusted national carriers across two key states: Texas and Florida. Each example reflects pricing for a 65-year-old male, non-smoker.

Texas (ZIP 77449 – Age 65, Male, Non-Smoker)

Company	Monthly Premium	A.M. Best Rating
Cigna Insurance Company	$166.80	A
Aflac	$179.96	A+
Mutual of Omaha Insurance Company	$198.38	A+
Humana Insurance Company	$205.33	A

Takeaway: Cigna currently offers the lowest Plan G premium in Texas, while Aflac follows closely with strong value and an A+ financial rating.

Mutual of Omaha and Humana trend higher but continue to deliver industry-leading stability and reliable service – qualities that often outweigh small premium differences in the long run.

Florida (ZIP 33647 – Age 65, Male, Non-Smoker)

Company	Monthly Premium	A.M. Best Rating
Cigna National Health Insurance Company	$221.33	A
Humana Insurance Company (Achieve)	$229.55	A
Aflac	$245.11	A+
Mutual of Omaha Insurance Company	$260.61	A+

Takeaway: In Florida, Cigna once again leads with the lowest monthly premium, followed closely by Humana.

Aflac remains competitive for an A+ carrier, while Mutual of Omaha continues to offer unmatched long-term dependability and rate stability.

What These Prices Tell Us

When you compare these premiums side by side, one thing becomes clear: the company you choose can make a big difference in how much you’ll spend each month – and how confident you’ll feel about your coverage in the years ahead.

Let’s break it down:

Cigna: The clear leader in affordability and consistency Cigna’s rates are the most competitive nationwide, at $166.80 in Texas and $221.33 in Florida. This is impressive because Cigna’s premiums have remained remarkably steady year over year, even as other carriers have raised theirs. Cigna represents the best low-cost and long-term rate control balance for many seniors.

Humana: A strong all-around performer with wellness value Humana’s Plan G averages $205–$230 per month, putting it in the middle of the pack. But Humana offers something extra – wellness perks like SilverSneakers®, a 24/7 nurse line, and optional dental and vision coverage. Humana provides solid value beyond just the premium for seniors who value health support and nationwide name recognition.

Aflac: Affordable simplicity backed by a trusted name Aflac may be newer to Medigap, but its entry has been impressive. With A+ financial strength and straightforward pricing ($180 in Texas; $245 in Florida), Aflac offers dependable protection without unnecessary extras. Its claims process is known for being quick and easy – ideal for seniors who want reliable coverage and hassle-free service.

Mutual of Omaha: Higher premiums, but unmatched dependability Mutual of Omaha remains a gold standard in Medicare Supplement insurance. While its Plan G pricing is higher ($198 in Texas; $260 in Florida), its reputation for slow, predictable rate increases and excellent customer service makes it a favorite among long-term policyholders. Many agents – and their clients – view Mutual as the “safe bet” for stability.

State-by-state pricing differences are significant. Even for identical plans, rates can vary widely between states.

Florida’s higher premiums reflect both its large retiree population and higher medical utilization rates.

The lesson? Always compare local pricing. The same Plan G from the same company could cost $40–$60 more per month just by crossing a state line.

What Plan G Covers (and Why It’s So Popular)

If you’ve spent any time looking at Medicare Supplement plans, you’ve probably noticed that Plan G comes up more than any other option – and there’s a reason for that. It offers one of the best coverage combinations, simplicity, and long-term peace of mind available to Medicare beneficiaries today.

Here’s how it works.

Plan G fills in nearly all the gaps that Original Medicare (Parts A and B) leaves behind. The only thing you’ll pay out of pocket is the small Part B deductible, which is $257 in 2025 and only changes slightly each year.

Once you meet that deductible, Plan G takes over and pays the rest – whether it’s hospital bills, specialist visits, or lab work.

Plan G covers:

• Part A hospital and skilled nursing facility coinsurance, so your inpatient costs are handled.
• Part B coinsurance and excess charges, which can otherwise add up quickly if your doctor doesn’t accept Medicare’s standard rates.
• The first three pints of blood each year.
• Foreign travel emergency coverage, paying 80% of eligible costs while you’re outside the U.S. (up to plan limits).

Beyond the benefits, Plan G’s real strength is its easy use. There are no networks, referrals, or surprise bills – you can see any doctor or hospital in the country that accepts Medicare.

That means your coverage goes with you whether you’re at home, visiting family, or traveling across the country.

Many seniors also appreciate the predictability. With Plan G, there’s no need to review changing benefits every fall like you would with a Medicare Advantage plan. Your coverage stays the same year after year, giving you stability you can count on.

If you want straightforward, full-coverage protection without the yearly hassle, Plan G is the plan most experienced agents – and most retirees – recommend first.

Plan G vs. Plan N: What’s the Difference (and Which One Fits You Best)

If you’re comparing Medicare Supplement plans, chances are you’ve come across Plan G and Plan N more than others.

These two plans dominate the Medigap market because they both offer strong, reliable coverage. The difference comes down to how you prefer to handle your out-of-pocket costs.

Both plans cover almost all of the same benefits under Original Medicare, including:

• Hospital coinsurance and inpatient costs
• Skilled nursing facility care
• Blood transfusions (first three pints)
• Foreign travel emergency coverage (up to plan limits)

The key differences appear when it comes to doctor visits and outpatient care:

Feature	Plan G	Plan N
Part B Deductible	You pay it once per year ($257 in 2025)	You pay it once per year ($257 in 2025)
Doctor Visits	$0 after deductible	Up to $20 copay per visit
ER Visits	$0 after deductible	$50 copay (waived if admitted)
Part B Excess Charges	Covered 100%	Not covered
Monthly Premium	Higher	Lower

So, with Plan N, you trade a few small copays – and the rare chance of an excess charge – for a lower monthly premium.

2026 Plan N Premium Comparison (Florida ZIP 33647 – Age 65 Male, Non-Smoker)

Company	Monthly Premium	A.M. Best Rating
Cigna National Health Insurance Company	$164.48	A
Humana Insurance Company (Achieve)	$171.04	A
Aflac	$178.32	A+
Mutual of Omaha Insurance Company	$203.60	A+

These Plan N premiums highlight a common trend: the savings are real – but they vary by carrier and location.

• Cigna leads again with the lowest monthly premium, combining affordability with strong financial backing.
• Humana stays competitive, especially for seniors who value wellness perks like SilverSneakers® and telehealth access.
• Aflac offers a great middle-ground – strong A+ financials and a simple, transparent policy structure.
• Mutual of Omaha costs a bit more, but its rock-solid rate stability and claims service make it a favorite for retirees who plan to stay in their Medigap plan long-term.

Plan G vs. Plan N: Which One Should You Choose?

This really depends on how you use your healthcare. Choose Plan G if you want zero surprises. Once you pay the Part B deductible, you’re covered for nearly every Medicare-approved expense – no copays, no balance bills, and no worries about what’s “in network.”

Choose Plan N if you’re healthy, rarely visit the doctor, and want to save on premiums. You’ll have a few small copays throughout the year, but for light healthcare users, that trade-off can easily save $300–$600 annually.

Both Plan G and Plan N are federally standardized, so the benefits don’t change between companies. What does change – often significantly – is pricing, rate behavior, and service quality.

Bottom Line

Plan G remains the most comprehensive and worry-free choice for most seniors – predictable, simple, and complete.

But Plan N can be a smart and cost-effective alternative for those who prefer a budget-friendly plan and don’t mind an occasional small copay.

At the end of the day, the best plan is the one that matches your health needs, your budget, and your comfort level with risk.

Discounts and Perks Available in 2026

While the main reasons to choose a Medicare Supplement plan should always be price stability and customer service, it’s worth noting that many top carriers also include member discounts and wellness extras that add everyday value.

These perks can make your coverage experience more rewarding – especially when they come from companies already offering competitive premiums.

Here’s what the leading Plan G providers are including for 2026:

Company	Discounts and Perks
Cigna	Household discount when two members of the same household enroll. Access to Wellness+ Rewards, offering savings on gym memberships, nutrition programs, and vision care.
Humana	Includes SilverSneakers® gym access, a 24/7 nurse advice line, and optional dental and vision bundles for expanded coverage.
Aflac	Offers household and EFT payment discounts, along with fast claims processing and 24/7 customer support for a straightforward, no-hassle experience.
Mutual of Omaha	Features Mutually Well® fitness and wellness discounts, household savings up to 12%, and a strong reputation for renewal stability and consistent rate performance.

What These Extras Mean for You

These added benefits shouldn’t be the main reason you pick one carrier over another – the real decision still comes down to premium cost, rate behavior, and service quality.

But it’s a nice bonus when you find a company that checks all the big boxes and offers perks that fit your lifestyle.

Whether it’s Cigna’s Wellness+ Rewards, Humana’s SilverSneakers® access, or Mutual of Omaha’s fitness programs, these extras can make your Medigap experience more convenient – and in some cases, help you live healthier too.

In a nutshell: Extras don’t replace strong coverage, but when the price is right, they can make a great plan even better.

Rate Stability and Long-Term Value

When comparing Medicare Supplement plans, it’s easy to focus on the first-year price – but smart shoppers know that what matters most is how those rates perform over time.

A plan that starts cheap but jumps every renewal can cost far more in the long run than one that’s slightly higher but consistent year after year.

Here’s how the major Plan G carriers stack up regarding rate stability and long-term value.

Cigna has built one of the strongest reputations in the Medigap market for predictable, steady rate behavior. Its rate adjustments tend to be modest – typically in the 8–15% range annually – and has maintained this consistency across most states for years.

For seniors who plan to stay with one company for the long haul, Cigna’s history of slow, manageable increases makes it a standout choice.

Mutual of Omaha has been a trusted name in the Medicare market since the 1960s — they’re not going anywhere. While their premiums can be slightly higher, you’re paying for long-term reliability, financial strength, and steady rate performance that has stood the test of time.

Humana offers some of the most attractive entry-level premiums among major carriers, especially in competitive states like Florida and Texas. However, as a larger national insurer, its rates can vary regionally depending on local healthcare costs and claims experience.

That said, Humana’s financial strength and scale help it remain a stable long-term option, even when small area-specific adjustments occur.

Aflac’s Medigap division is newer, which means there’s less historical data to analyze – but early signs are promising. Its pricing remains competitive in most markets, and its A+ financial rating signals strong backing for rate stability.

Key Takeaways

• Cigna and Mutual of Omaha are the most reliable for long-term rate consistency.
• Humana offers a great balance of affordability and brand-backed stability.
• Aflac is newer but performing competitively, making it a solid value choice in 2026.

When choosing a Medigap company, think beyond this year’s rate – choose a partner that will keep your coverage predictable, sustainable, and stress-free well into the future.

The Bottom Line: Choosing the Best Plan G in 2026

If there’s one key takeaway from all this, it’s simple: every Plan G offers the exact same benefits – the only real difference is what you pay and who you trust to manage your coverage.

All four companies – Cigna, Humana, Aflac, and Mutual of Omaha – are highly rated, financially strong, and proven to deliver dependable Medicare Supplement coverage. But their strengths shine in different ways:

Best Overall Value: Cigna – balances low premiums with steady, predictable rate increases. Most Affordable: Aflac – consistently among the lowest-priced A+ carriers. Most Added Perks: Humana – bundles wellness tools, fitness programs, and optional extras. Best Long-Term Stability: Mutual of Omaha – renowned for decades of dependable, low-volatility rate performance.

Sometimes, the best plan is the lowest-priced Plan G from a reputable company, especially since every Plan G covers the same medical benefits.

The right choice ultimately depends on your budget, goals, and how long you plan to keep your coverage, but any of these four carriers can offer excellent protection and peace of mind well into retirement.

How Policy Guide Can Help

At Policy Guide, we make Medicare simple. We’re an independent agency, which means we don’t work for the insurance companies – we work for you.

Our licensed Medicare agents compare real rates from top carriers nationwide, helping you see exactly which company offers the right mix of price, stability, and benefits for your needs.

Here’s what makes our approach different:

• Independent and unbiased: We compare plans from multiple Medigap carriers – not just one brand – so you always get a fair, transparent recommendation.
• Local expertise, national reach: Our licensed agents specialize in state-by-state rate trends and enrollment timing, so you get accurate advice where you live.
• Simple, pressure-free process: We walk you through your options, handle the paperwork, and ensure your coverage starts on time – without the sales pressure or confusion.

If you’re shopping for the best Medicare Supplement Plan G in 2026, our team can help you compare rates from Cigna, Humana, Aflac, and Mutual of Omaha – so you can choose confidently, save long-term, and keep your coverage simple and secure.

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