Cheapest Medigap Plan G and Plan N in Washington
Plan G from one insurer covers exactly what Plan G from any other covers, so price is the main difference. We rank every insurer in Washington’s official rate guide by its yearly premium at 65.
What these rates are. One monthly premium per insurer for age 65 and older, paid by automatic funds transfer. Washington’s chart doesn’t split rates by age or sex; some insurers sell only in certain counties (noted under the plan). Source: the Washington Office of the Insurance Commissioner (SHIBA), rates current as of October 8, 2026. Rates change during the year and your quote depends on your age, ZIP code, health and when you apply, so treat this as a shortlist and get quotes.
Plan G, ranked
Plan G covers everything Medicare-approved except the Part B deductible. What each plan covers.
| # | Insurer | Monthly at 65 | Yearly at 65 |
|---|---|---|---|
| 1 | First Health Life & Health (subsidiary of Aetna)Rate class: Age 65 and older · rates effective October 1, 2026Pre-existing condition limits: No; health screening: Yes | $239 | $2,868 |
| 2 | Medico Insurance Company (a Wellabe Company)Rate class: Age 65 and older · rates effective January 1, 2026Pre-existing condition limits: No; health screening: Yes | $247 | $2,964 |
| 3 | Bankers Reserve Life Insurance Co of WisconsinRate class: Age 65 and older · rates effective April 1, 2026Pre-existing condition limits: No; health screening: Yes | $257 | $3,084 |
| 4 | Insurance Company of North AmericaRate class: Age 65 and olderPre-existing condition limits: No; health screening: YesListed as new; no rate effective date shown | $257 | $3,084 |
| 5 | Washington National Insurance CoRate class: Age 65 and older · rates effective September 1, 2026Pre-existing condition limits: Yes; health screening: Yes | $274 | $3,288 |
| 6 | Regence BlueCross BlueShield of OregonRate class: Age 65 and older · rates effective January 1, 2026Pre-existing condition limits: No; health screening: YesThese plans are available only to Clark County residents. | $279 | $3,348 |
| 7 | Premera Blue CrossRate class: Age 65 and older · rates effective April 1, 2026Pre-existing condition limits: Yes; health screening: YesThese plans are not available to Clark County residents. | $286 | $3,432 |
| 8 | United American Insurance CoRate class: Age 65 and older · rates effective January 15, 2026Pre-existing condition limits: Yes; health screening: Yes | $293 | $3,516 |
| 9 | USAARate class: Age 65 and older · rates effective August 1, 2026Pre-existing condition limits: No; health screening: Yes | $309 | $3,708 |
| 10 | State Farm InsuranceRate class: Age 65 and older · rates effective May 1, 2026Pre-existing condition limits: Yes; health screening: Yes | $310 | $3,720 |
| 11 | Medco Containment LifeRate class: Age 65 and older · rates effective August 1, 2026Pre-existing condition limits: Yes; health screening: Yes | $311 | $3,732 |
| 12 | Regence BlueShieldRate class: Age 65 and older · rates effective April 1, 2026Pre-existing condition limits: No; health screening: YesThese plans are offered in the following counties: Clallam, Cowlitz, Columbia, Grays Harbor, Island, Jefferson, King, Kitsap, Klickitat, Lewis, Mason, Pacific, Pierce, San Juan, Skagit, Skamania, Snohomish, Thurston, Wahkiakum, Walla Walla, Whatcom and Yakima. | $317 | $3,804 |
| 13 | HumanaDental Insurance CoRate class: Age 65 and older · rates effective February 1, 2026Pre-existing condition limits: Yes; health screening: Yes | $330 | $3,960 |
| 14 | United World Life Insurance (Mutual of Omaha)Rate class: Age 65 and older · rates effective August 1, 2026Pre-existing condition limits: No; health screening: Yes | $379 | $4,548 |
| 15 | Asuris Northwest HealthRate class: Age 65 and older · rates effective April 1, 2026Pre-existing condition limits: No; health screening: YesThese plans are offered in the following counties: Adams, Asotin, Benton, Chelan, Douglas, Ferry, Franklin, Garfield, Grant, Kittitas, Lincoln, Okanogan, Pend Oreille, Spokane, Stevens and Whitman. | $394 | $4,728 |
| 16 | Loyal AmericanRate class: Age 65 and older · rates effective November 1, 2026Pre-existing condition limits: Yes; health screening: Yes | $425 | $5,100 |
| 17 | GPM Health & LifeRate class: Age 65 and older · rates effective February 1, 2026Pre-existing condition limits: No; health screening: Yes | $466 | $5,592 |
Plan N, ranked
Plan N costs less but you pay up to $20 for some office visits, up to $50 for an ER visit that doesn’t lead to admission, and any Part B excess charges. The last column compares each insurer’s Plan N with its own Plan G. Which one comes out ahead.
| # | Insurer | Monthly at 65 | Yearly at 65 | vs. same insurer’s Plan G |
|---|---|---|---|---|
| 1 | Medico Insurance Company (a Wellabe Company)Rate class: Age 65 and older · rates effective January 1, 2026Pre-existing condition limits: No; health screening: Yes | $175 | $2,100 | $864 a year less= 43 office visits at the $20 copay |
| 2 | First Health Life & Health (subsidiary of Aetna)Rate class: Age 65 and older · rates effective October 1, 2026Pre-existing condition limits: No; health screening: Yes | $189 | $2,268 | $600 a year less= 30 office visits at the $20 copay |
| 3 | Insurance Company of North AmericaRate class: Age 65 and olderPre-existing condition limits: No; health screening: YesListed as new; no rate effective date shown | $191 | $2,292 | $792 a year less= 39 office visits at the $20 copay |
| 4 | Washington National Insurance CoRate class: Age 65 and older · rates effective September 1, 2026Pre-existing condition limits: Yes; health screening: Yes | $192 | $2,304 | $984 a year less= 49 office visits at the $20 copay |
| 5 | Bankers Reserve Life Insurance Co of WisconsinRate class: Age 65 and older · rates effective April 1, 2026Pre-existing condition limits: No; health screening: Yes | $194 | $2,328 | $756 a year less= 37 office visits at the $20 copay |
| 6 | USAARate class: Age 65 and older · rates effective August 1, 2026Pre-existing condition limits: No; health screening: Yes | $194 | $2,328 | $1,380 a year less= 69 office visits at the $20 copay |
| 7 | Premera Blue CrossRate class: Age 65 and older · rates effective April 1, 2026Pre-existing condition limits: Yes; health screening: YesThese plans are not available to Clark County residents. | $215 | $2,580 | $852 a year less= 42 office visits at the $20 copay |
| 8 | Regence BlueCross BlueShield of OregonRate class: Age 65 and older · rates effective January 1, 2026Pre-existing condition limits: No; health screening: YesThese plans are available only to Clark County residents. | $223 | $2,676 | $672 a year less= 33 office visits at the $20 copay |
| 9 | Medco Containment LifeRate class: Age 65 and older · rates effective August 1, 2026Pre-existing condition limits: Yes; health screening: Yes | $226 | $2,712 | $1,020 a year less= 51 office visits at the $20 copay |
| 10 | GPM Health & LifeRate class: Age 65 and older · rates effective February 1, 2026Pre-existing condition limits: No; health screening: Yes | $239 | $2,868 | $2,724 a year less= 136 office visits at the $20 copay |
| 11 | State Farm InsuranceRate class: Age 65 and older · rates effective May 1, 2026Pre-existing condition limits: Yes; health screening: Yes | $239 | $2,868 | $852 a year less= 42 office visits at the $20 copay |
| 12 | United American Insurance CoRate class: Age 65 and older · rates effective January 15, 2026Pre-existing condition limits: Yes; health screening: Yes | $242 | $2,904 | $612 a year less= 30 office visits at the $20 copay |
| 13 | Regence BlueShieldRate class: Age 65 and older · rates effective April 1, 2026Pre-existing condition limits: No; health screening: YesThese plans are offered in the following counties: Clallam, Cowlitz, Columbia, Grays Harbor, Island, Jefferson, King, Kitsap, Klickitat, Lewis, Mason, Pacific, Pierce, San Juan, Skagit, Skamania, Snohomish, Thurston, Wahkiakum, Walla Walla, Whatcom and Yakima. | $244 | $2,928 | $876 a year less= 43 office visits at the $20 copay |
| 14 | United World Life Insurance (Mutual of Omaha)Rate class: Age 65 and older · rates effective August 1, 2026Pre-existing condition limits: No; health screening: Yes | $265 | $3,180 | $1,368 a year less= 68 office visits at the $20 copay |
| 15 | HumanaDental Insurance CoRate class: Age 65 and older · rates effective February 1, 2026Pre-existing condition limits: Yes; health screening: Yes | $267 | $3,204 | $756 a year less= 37 office visits at the $20 copay |
| 16 | Asuris Northwest HealthRate class: Age 65 and older · rates effective April 1, 2026Pre-existing condition limits: No; health screening: YesThese plans are offered in the following counties: Adams, Asotin, Benton, Chelan, Douglas, Ferry, Franklin, Garfield, Grant, Kittitas, Lincoln, Okanogan, Pend Oreille, Spokane, Stevens and Whitman. | $294 | $3,528 | $1,200 a year less= 60 office visits at the $20 copay |
| 17 | Loyal AmericanRate class: Age 65 and older · rates effective November 1, 2026Pre-existing condition limits: Yes; health screening: Yes | $313 | $3,756 | $1,344 a year less= 67 office visits at the $20 copay |
High-deductible Plan G
Same benefits as Plan G after you pay a yearly deductible ($2,950 in 2026), so it isn’t ranked against standard plans. A low premium here means you carry more of the risk yourself.
| # | Insurer | Monthly at 65 | Yearly at 65 |
|---|---|---|---|
| 1 | United American Insurance CoRate class: Age 65 and older · rates effective January 15, 2026Pre-existing condition limits: Yes; health screening: Yes | $48 | $576 |
| 2 | United World Life Insurance (Mutual of Omaha)Rate class: Age 65 and older · rates effective August 1, 2026Pre-existing condition limits: No; health screening: Yes | $61 | $732 |
| 3 | Insurance Company of North AmericaRate class: Age 65 and olderPre-existing condition limits: No; health screening: YesListed as new; no rate effective date shown | $65 | $780 |
| 4 | HumanaDental Insurance CoRate class: Age 65 and older · rates effective February 1, 2026Pre-existing condition limits: Yes; health screening: Yes | $66 | $792 |
| 5 | Washington National Insurance CoRate class: Age 65 and older · rates effective September 1, 2026Pre-existing condition limits: Yes; health screening: Yes | $68 | $816 |
| 6 | Medico Insurance Company (a Wellabe Company)Rate class: Age 65 and older · rates effective January 1, 2026Pre-existing condition limits: No; health screening: Yes | $70 | $840 |
| 7 | Premera Blue CrossRate class: Age 65 and older · rates effective April 1, 2026Pre-existing condition limits: Yes; health screening: YesThese plans are not available to Clark County residents. | $71 | $852 |
Plans with membership or eligibility limits
These plans appear in the Washington guide but aren’t open to every resident (for example, AARP plans require AARP membership) or are Medicare SELECT plans with a provider network, so we list them as published instead of ranking them.
| Insurer | Plan | Premiums as published | Why not ranked |
|---|---|---|---|
| UnitedHealthcare Insurance Co (AARP)Rate class: Age 65 and older · rates effective June 1, 2026Pre-existing condition limits: No; health screening: Yes | G | age 65+: $324Monthly premium | Association membership required (AARP) |
| UnitedHealthcare Insurance Co (AARP)Rate class: Age 65 and older · rates effective June 1, 2026Pre-existing condition limits: No; health screening: Yes | N | age 65+: $265Monthly premium | Association membership required (AARP) |
| UnitedHealthcare Insurance Co (AARP)Rate class: Medicare SELECT · rates effective June 1, 2026Pre-existing condition limits: No; health screening: Yes | G (SELECT) | age 65+: $308Monthly premium | Association membership required (AARP); Medicare SELECT (network plan) |
| UnitedHealthcare Insurance Co (AARP)Rate class: Medicare SELECT · rates effective June 1, 2026Pre-existing condition limits: No; health screening: Yes | N (SELECT) | age 65+: $253Monthly premium | Association membership required (AARP); Medicare SELECT (network plan) |
| WA State Health Care Authority Premera Blue Cross PlansRate class: Age 65 and older · rates effective January 1, 2026Pre-existing condition limits: No; health screening: NoThese rates are for Washington state residents who are NOT a Public Employees Benefits Board (PEBB) member (PEBB members must enroll directly with the HCA by calling 1-800-200-1004). A Washington state resident is defined as “Within 63 days after becoming a Washington state resident.” State residents can print off their own enrollment kit at: www.premera.com/documents/P202088_2026.pdf or call Premera Blue Cross at 1-888-208-6264 and ask for a paper application for Group ID: 1000041, and for P2023161 (the HCA Plan G pre-sales enrollment kit). | G | age 65+: $233Monthly premium | Washington State Health Care Authority plan; eligibility rules in the source |
| WA State Health Care Authority Premera Blue Cross PlansRate class: Under age 65 (Medicare disability) · rates effective January 1, 2026Pre-existing condition limits: No; health screening: NoThese rates are for Washington state residents who are NOT a Public Employees Benefits Board (PEBB) member (PEBB members must enroll directly with the HCA by calling 1-800-200-1004). A Washington state resident is defined as “Within 63 days after becoming a Washington state resident.” State residents can print off their own enrollment kit at: www.premera.com/documents/P202088_2026.pdf or call Premera Blue Cross at 1-888-208-6264 and ask for a paper application for Group ID: 1000041, and for P2023161 (the HCA Plan G pre-sales enrollment kit). | G | Monthly premium | Washington State Health Care Authority plan; eligibility rules in the source |
| WA State Health Care Authority Premera Blue Cross PlansRate class: Age 65 and older · rates effective January 1, 2027Pre-existing condition limits: No; health screening: NoThese rates are for Washington state residents who are NOT a Public Employees Benefits Board (PEBB) member (PEBB members must enroll directly with the HCA by calling 1-800-200-1004). A Washington state resident is defined as “Within 63 days after becoming a Washington state resident.” State residents can print off their own enrollment kit at: www.premera.com/documents/P202088_2026.pdf or call Premera Blue Cross at 1-888-208-6264 and ask for a paper application for Group ID: 1000041, and for P2023161 (the HCA Plan G pre-sales enrollment kit). | G | age 65+: $274Monthly premium | Washington State Health Care Authority plan; eligibility rules in the source |
| WA State Health Care Authority Premera Blue Cross PlansRate class: Under age 65 (Medicare disability) · rates effective January 1, 2027Pre-existing condition limits: No; health screening: NoThese rates are for Washington state residents who are NOT a Public Employees Benefits Board (PEBB) member (PEBB members must enroll directly with the HCA by calling 1-800-200-1004). A Washington state resident is defined as “Within 63 days after becoming a Washington state resident.” State residents can print off their own enrollment kit at: www.premera.com/documents/P202088_2026.pdf or call Premera Blue Cross at 1-888-208-6264 and ask for a paper application for Group ID: 1000041, and for P2023161 (the HCA Plan G pre-sales enrollment kit). | G | Monthly premium | Washington State Health Care Authority plan; eligibility rules in the source |
How we rank
We take each insurer’s premium for Plan G and Plan N at 65 straight from Washington’s official guide and multiply monthly premiums by 12 to get the yearly cost. Each insurer appears once, at its best published rate class that isn’t a tobacco rate. Lower ranks higher; ties go to the lower premium at 75 where the guide shows it, then the insurer’s name. We don’t estimate, round or adjust any premium. Full methodology.
The cheapest policy at 65 isn’t always the cheapest later. An attained-age policy goes up as you get older, an issue-age policy is priced on your age when you buy, and a community-rated policy charges everyone the same. How the three methods compare.
Before you buy: get a written quote from the insurer, ask how its rates have risen, and check Medicare.gov’s Medigap policy search. Your State Health Insurance Assistance Program gives free, unbiased help. Buying during your Medigap Open Enrollment Period means insurers can’t turn you down or charge more for health problems.
Questions
What is the cheapest Medigap Plan G in Washington?
In the rate guide from the Washington Office of the Insurance Commissioner (SHIBA) (rates current as of October 8, 2026), the lowest Plan G premium at 65 and older from an insurer open to all applicants is: First Health Life & Health (subsidiary of Aetna), $2,868 a year ($239 a month). Your own quote depends on your age, ZIP code, health and the date you apply.
What is the cheapest Medigap Plan N in Washington?
Medico Insurance Company (a Wellabe Company), $2,100 a year ($175 a month). Plan N has copays of up to $20 for some office visits and up to $50 for emergency room visits and doesn’t cover Part B excess charges, which is why it usually costs less than Plan G.
How much do Plan G premiums vary between insurers in Washington?
Plan G benefits are the same from every insurer, but in this guide the yearly premium at 65 runs from $2,868 to $5,592. Insurers also price future increases differently (attained-age, issue-age or community-rated), so compare the older-age premiums too where they’re shown.
Where do these Washington Medigap rates come from?
From the Washington Office of the Insurance Commissioner (SHIBA): “2026 Approved Medicare Supplement (Medigap) plans” (rates current as of October 8, 2026). We copy the premiums exactly as published and rank them; we don’t estimate or adjust them. One monthly premium per insurer for age 65 and older, paid by automatic funds transfer. Washington’s chart doesn’t split rates by age or sex; some insurers sell only in certain counties (noted under the plan).
Sources
Rates exactly as published by the state (rates current as of October 8, 2026).
- Washington Office of the Insurance Commissioner (SHIBA), “2026 Approved Medicare Supplement (Medigap) plans” (rates current as of October 8, 2026) — insurance.wa.gov.
- CMS and NAIC, “Choosing a Medigap Policy” (CMS Product No. 02110, March 2026) — medicare.gov.
- Medicare.gov, “Compare Medigap plan benefits” (2026 high-deductible amount) — medicare.gov.
Educational information, not a recommendation to buy any policy. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Insurers don’t pay to be listed or ranked. · Advertiser disclosure
Keep going
- Plan G vs. Plan N: the break-even math →
- Washington Medigap rules and shopper’s guide →
- Medigap Open Enrollment and guaranteed-issue rights →
- Best Part D drug plans in Washington →
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