Medicare Supplement Insurance Cost in Texas

If you’re trying to figure out what Medicare Supplement insurance (also known as Medigap) will cost you in Texas, you’re not alone - and the answer depends on more than just the plan letter you choose.

As advisors who’ve helped hundreds of Texans compare their options, we can tell you: prices vary widely by ZIP code, age, health, and even which insurance company you choose.

But with the right approach - and a clear understanding of how the system works - you can lock in reliable coverage without overpaying.

In this guide, we’ll walk you through:

• What the most popular Medigap plans (Plan G, Plan N, and High-Deductible G) cost in Texas in 2025
  
• What factors influence your monthly premium
  
• How to compare carriers and spot hidden costs
  
• Which plans offer the best long-term value depending on your health and budget
  

Whether you’re just turning 65 or reviewing your options during Open Enrollment, this page is designed to help you make a smart, confident choice.

Let’s dive in.

Average Cost of Medicare Supplement Plans in Texas

When it comes to Medicare Supplement (Medigap) insurance in Texas, plan costs can vary quite a bit - even for the exact same coverage.

That’s because your premium depends on more than just the letter of the plan. Your age, gender, ZIP code, tobacco use, and even the insurer’s pricing model all come into play.

Here’s what you can expect to pay in 2025 for the most common Medigap plans in Texas:

Typical Monthly Premium Ranges (Age 65, Non-Smoker)

• Plan G: $124–$250/month - The most comprehensive plan available to new enrollees. Covers almost everything except the Medicare Part B deductible.
  
• Plan N: $90–$180/month - A lower-cost alternative to Plan G. You’ll pay small copays for doctor and ER visits, and it doesn’t cover excess charges.
  
• High-Deductible Plan G (HDG): $35–$103/month -  Offers the same coverage as Plan G after you pay a $2,870 annual deductible. Great for healthy, low-utilization individuals.
  
• Plan F: $140–$190/month - Only available if you became Medicare-eligible before January 1, 2020. Covers every out-of-pocket Medicare cost - no copays, no deductibles.
  

What Affects Your Medigap Premium?

Several factors influence how much you’ll pay, even within the same plan:

• Age: Most companies use attained-age pricing, meaning your rate increases as you get older. A 70-year-old may pay significantly more than a 65-year-old.
  
• Gender: In many cases, women pay less than men for the same plan.
  
• Tobacco Use: Smokers usually face a 10–20% surcharge.
  
• ZIP Code: Rates vary dramatically across Texas. Urban areas like Dallas or Houston may have different pricing than smaller towns.
  

Pricing Models:

• Attained-Age: Premiums go up as you age (most common in Texas)
  
• Issue-Age: Based on your age at enrollment, doesn’t rise with age
  
• Community-Rated: Everyone pays the same (rare in Texas)

Medicare Supplement Plan G

For most Texans, Plan G premiums fall somewhere between $125 and $160/month if you’re 65 years old and a nonsmoker.

That’s the sweet spot we usually see when quoting across the state.

Of course, your exact price can vary a bit. Here’s what tends to move the needle:

• Where you live – Big cities like Houston and Dallas often cost more than smaller towns.
  
• Your age – The older you are, the more you’ll likely pay (especially with “attained-age” plans).
  
• Whether you use tobacco – Smokers generally pay 10–20% more.
  
• Which company you go with – Some carriers raise rates faster than others or offer better discounts.
  

Who’s Plan G Really For?

If you want a plan that covers almost everything - and lets you skip the copays, coinsurance, and network headaches - Plan G is probably your best bet.

It’s a great fit for:

• Texans who visit the doctor regularly or see specialists
  
• Folks who don’t want to worry about surprise bills
  
• Anyone who values peace of mind and predictable monthly costs
  

You’ll still pay the small Medicare Part B deductible ($257 in 2025), but after that, Plan G picks up the rest.

Hospital bills, doctor visits, outpatient care - all covered.

Our Top Pick for Plan G in Texas: BCBS of Texas

We recommend Blue Cross Blue Shield of Texas for a few big reasons:

• Their provider network is massive, especially in major cities and rural areas alike.
  
• Customer service is local and familiar with the ins and outs of Medicare in Texas.
  
• They offer good rate stability - not the cheapest, but often more predictable long-term.
  
• Plus, they have stackable discounts for households and prior members.
  

BCBS of TX is the go-to for a lot of our clients who just want everything handled and no stress about doctor bills.

High-Deductible Plan G (HDG)

High-Deductible Plan G offers some of the lowest Medigap premiums in Texas. For a 65-year-old nonsmoker, you’ll typically see monthly premiums between $35 and $65, depending on your ZIP code and the insurer.

Of course, there’s a tradeoff: in 2025, you’ll need to pay $2,870 out of pocket before the plan starts covering your Medicare-approved costs.

But once that deductible is met, you get the same great coverage as standard Plan G - 100% of covered services, no copays or coinsurance.

Is HDG Right for You?

This plan makes the most sense if:

• You’re healthy and don’t go to the doctor often
  
• You’re budget-conscious and want to keep monthly costs low
  
• You’re okay planning ahead and building a small medical savings cushion for emergencies
  
• You still want protection from big hospital bills - just not the high premiums
  

Think of HDG as the safety-net plan for people who don’t use much care now but still want strong coverage if something serious happens down the road.

Our Top Pick for HDG in Texas: Cigna

Cigna tends to offer the lowest High-Deductible Plan G premiums across many Texas counties.

But that’s not the only reason we like them:

• Simple application process - easy to enroll, especially if you’re just aging into Medicare
  
• Competitive household discounts - up to 7% off in many areas
  
• Steady pricing - even with low premiums, their rate increases have stayed reasonable
  

We’ve helped a lot of budget-minded Texans choose Cigna’s HDG plan - and they’re usually surprised how much they save each year while still having peace of mind.

Medicare Supplement Plan F

If you turned 65 before January 1, 2020, you’re in a unique spot - you can still enroll in Medigap Plan F, which is no longer available to newly eligible Medicare enrollees.

Why does that matter? Because Plan F is the only Medigap plan that covers every out-of-pocket cost under Medicare.

That means:

• No Part A deductible
  
• No Part B deductible
  
• No copays, no coinsurance, no excess charges
  

In short: zero bills at the doctor’s office (as long as Medicare approves the service).

Who Should Consider Plan F?

Plan F is a great fit if:

• You want the most complete, worry-free coverage available
  
• You see doctors or specialists frequently
  
• You’d rather pay a higher monthly premium and have almost no bills later
  
• You’re eligible due to your Medicare start date (pre-2020)
  

It’s not for everyone - the premiums tend to be higher than Plan G or Plan N - but for people with ongoing medical needs, it removes almost all uncertainty.

Our Top Pick for Plan F in Texas: BCBS of TX

Blue Cross Blue Shield of Texas stands out for a few reasons:

• Steady premium increases - especially important for high-coverage plans like F
  
• Excellent provider acceptance - doctors and hospitals across Texas work well with Blue
  
• Smooth claims experience - especially valuable for clients with frequent care needs
  

If you’re using healthcare regularly and want zero surprises, Plan F from Texas Blue is about as simple and stress-free as it gets - assuming you’re still eligible.

Medicare Supplement Plan N

Plan N is a popular pick for folks who want strong coverage without overpaying - especially if you're healthy and not visiting the doctor every other week.

You still get most of the same protections as Plan G, but you save money by taking on a few small copays, like:

• Up to $20 per doctor visit
  
• Up to $50 for an ER visit (waived if you're admitted)
  
• No coverage for excess charges (though this is rarely an issue in most parts of Texas)
  

Who Should Consider Plan N?

Plan N could be a great fit if:

• You’re in good health and only go to the doctor occasionally
  
• You want to keep premiums low but still want reliable coverage
  
• You’re okay with a few out-of-pocket costs here and there
  
• You want to avoid networks and stick with Original Medicare freedom
  

In short: Plan N keeps your monthly premiums in check, without leaving you overly exposed to big medical bills. It’s a great middle ground between the full coverage of Plan G and the ultra-low premiums of High-Deductible G.

Which Medicare Supplement Plan Is the Cheapest?

If keeping your monthly premium as low as possible is the goal, you’ve got a couple of options - but not all “cheap” plans are created equal.

Plan K: Bare-Bones Coverage at the Lowest Price

Plan K offers some of the lowest base premiums on the market, but there’s a trade-off: it only covers 50% of most Medicare costs (except for hospital coinsurance, which is covered fully).

It’s rarely chosen - not because it’s bad, but because most folks don’t like the amount of cost-sharing involved.

You’ll need to be very comfortable picking up half the bill for things like Part B coinsurance and skilled nursing.

High-Deductible Plan G: Popular and Practical

This is the most popular low-cost Medigap plan we recommend. With monthly premiums between $35–$65, it gives you full Plan G-style coverage after you meet the annual deductible (which is $2,870 in 2025).

For healthy individuals, this often ends up being the best long-term value:

• You’re protected from major out-of-pocket surprises
  
• You save significantly every month
  
• You can budget ahead for the deductible if needed
  

It’s the go-to pick for budget-conscious Texans who want catastrophic protection without overpaying for everyday care they rarely use.

Bottom Line: If you want the lowest monthly cost, High-Deductible Plan G wins - and it doesn’t leave you under-covered like some of the lesser-known options.

Want help comparing quotes across ZIP codes? We can walk you through it.

Which Medigap Plan Is the Best?

This is the question we hear the most - and the honest answer is: it depends on your health, your budget, and how much peace of mind you want.

But after walking thousands of Texans through this decision, here’s how we guide people based on real-world needs and long-term value:

Plan G: The All-Around Winner for Coverage and Simplicity

Plan G is hands-down the most popular Medigap plan in Texas - and for good reason.

It covers nearly everything except the small Medicare Part B deductible ($257 in 2025).

Once that’s paid, you don’t pay anything else out-of-pocket for Medicare-approved services.

Best for:

• People who visit the doctor regularly
  
• Anyone who wants zero surprises or billing confusion
  
• Seniors managing chronic conditions or using specialists
  

Why Texans love it:

• No networks - see any doctor that accepts Medicare
  
• Predictable monthly premium (usually $125–$160 for a 65-year-old)
  
• Full peace of mind: hospital, specialist, surgery, rehab - all covered after that Part B deductible
  

What to expect: You’ll pay a bit more per month than Plan N or High-Deductible G, but if you use your coverage often or just want the comfort of knowing “I’m covered,” it’s worth it.

Plan N: Smart Value for Healthy Texans

Plan N is like Plan G’s cost-conscious cousin. You give up a little bit of convenience - like copays and coverage for excess charges - in exchange for a lower premium.

And for many healthy seniors in Texas, that tradeoff makes a lot of sense.

Best for:

• People who don’t go to the doctor often
  
• Folks who want to save $20–$40/month vs. Plan G
  
• Those who don’t mind the occasional $20 doctor copay or $50 ER copay
  

Why Texans like it:

• Premiums tend to range from $90–$130/month
  
• Still covers the big things: hospital stays, outpatient surgery, labs, skilled nursing, etc.
  
• You can see any Medicare provider nationwide
  

What’s not covered: Plan N doesn’t pay for Medicare Part B excess charges. That means if a doctor bills more than Medicare’s approved rate (rare in Texas, but it happens), you could owe the difference.

High-Deductible Plan G: Maximum Savings, Minimum Premium

This one is for the budget-savvy. High-Deductible Plan G (HDG) works just like regular Plan G after you’ve paid your annual deductible - which is $2,870 in 2025.

Until you meet that deductible, you’re on the hook for your Medicare coinsurance, copays, and deductibles.

But after that, it covers 100% of your remaining Medicare-approved expenses.

Best for:

• Healthy individuals who rarely visit the doctor
  
• People who want emergency protection without the high premium
  
• Budget-conscious seniors who’d rather pay only if they need care
  

Why it makes sense:

• Premiums can be as low as $35–$65/month
  
• Covers catastrophic care once you hit your deductible
  
• Slower rate increases over time compared to standard Plan G
  

The tradeoff: You’ll need to be okay with paying full cost for doctor visits, outpatient services, or hospital bills until you hit the deductible. But if you’re not using care often, you could come out ahead by thousands.

Pro tip: We recommend setting aside a “medical emergency fund” of about $2,800, so if something happens, you’re ready.

So, What’s the Best Plan for You?

How to Save Money on Medicare Supplement Insurance

Let’s face it - Medicare Supplement plans aren’t cheap, especially if you just go with the first name you recognize.

But there are a few tried-and-true ways to get the coverage you need without overspending.

Here’s how we help clients all across Texas cut their Medigap costs:

#1. Shop Around (Even If You Already Have a Plan)

A lot of people think once they’ve signed up for a Medigap plan, they’re stuck.

Not true.

Since the coverage is standardized, Plan G is Plan G no matter the company - but prices can be all over the place.

We often find folks paying $30–$60 more each month than they need to, simply because they haven’t checked in a few years.

Rates change. Companies adjust. What was a great deal at 65 might not be at 70.

#2. Don’t Overlook Household Discounts

This one’s a hidden gem.

Most insurers offer a discount if you live with another Medicare-eligible adult. Some don’t even require both of you to enroll. The savings can be 5% to 12%, which really adds up over the course of the year.

If you’ve got a spouse, a sibling, or even a roommate who’s also on Medicare - ask about it.

You’d be surprised how many people miss this just because they didn’t know to look.

#3. Pick a Plan That Matches How You Use Healthcare

This is big. If you’re healthy and rarely see the doctor, you might be overpaying for a full-coverage plan like standard Plan G.

Instead, Plan N or High-Deductible G could make more sense.

Plan N still gives you solid protection, but you’ll pay small copays when you actually use care. That helps keep your monthly premium down.

High-Deductible G has the lowest monthly price of all - sometimes under $50 - and it still covers you fully once you meet the deductible.

The trick is to look at how often you visit the doctor and balance that with what you’re paying each month. We help folks walk through those numbers all the time.

#4. Talk to Someone Who Knows the Landscape

Every ZIP code in Texas is different. Dallas doesn’t look like Lubbock. Houston isn’t Austin.

Some companies raise rates faster than others. Some offer better discounts depending on your age, health, or household setup.

That’s where a good agent comes in. They’ll know which companies are aggressive in your area, which ones to avoid, and how to work the system in your favor.

And working with an agent doesn’t cost you anything - it’s truly free help.

In a Nutshell

There’s no one-size-fits-all when it comes to Medigap plans. But if you’re willing to compare a few quotes, ask about discounts, and pick a plan that suits your health needs - you can save a lot.

We’ve helped hundreds of Texans find the right fit without overpaying. You can do the same.

Can I Change Medicare Supplement Plans Anytime?

The short answer? Yes, you can change plans - but there’s a catch.

Unlike Medicare Advantage plans, which have a designated open enrollment period every year, Medigap plans don’t work that way.

You can apply to switch at any time during the year. But outside of your one-time Medigap Open Enrollment window (which starts when you're 65 and enrolled in Medicare Part B), you’ll most likely have to answer health questions - and you could be denied.

What’s Medical Underwriting?

It’s basically a short health questionnaire. Insurance companies may ask about:

• Recent hospitalizations
  
• Chronic conditions (like diabetes, COPD, or heart disease)
  
• Prescription medications
  
• Height and weight
  

Based on your answers, the company can approve you, charge you more, or decline your application altogether.

That’s why switching plans is easiest when you’re healthy. If you're thinking about moving from Plan G to Plan N, or trying to save money with High-Deductible Plan G, it’s smart to make that change while you’re in good health - not after a diagnosis or major medical event.

Planning Ahead Makes All the Difference

We always tell clients: don’t wait until you “need” to change.

If you’re in good shape now and paying more than you’d like, this might be the perfect time to explore options. Rates can vary a lot from one company to the next, and a simple switch could save you hundreds per year.

And if you're unsure whether you’d qualify to change? A quick chat with an agent can help you figure that out before you apply.

Final Tip: Work With an Independent Agent (Like Policy Guide)

One of the smartest things you can do when shopping for Medicare Supplement insurance? Work with a licensed, independent agent.

Here’s why it makes a difference:

• You save time. We know which companies offer the best rates in your ZIP code - and which ones to avoid.
  
• You avoid overpaying. Prices vary widely from one carrier to the next for the exact same coverage.
  
• You get options. Unlike company agents who only represent one brand, we compare multiple insurers to find what actually fits your needs and budget.
  

At Policy Guide, we help Texans with this every single day. Whether you're aging into Medicare or looking to switch plans, we’ll walk you through the process - clearly, simply, and without pressure.

Have questions? We’re here to help you make the confident choice.