Medicare Supplement Plan G Costs in Texas 2026

As we move into 2026, more Medicare beneficiaries across Texas are taking a closer look at what they’re paying for there Medigap Plan g.

After years of increasing rates and new competitors entering the market, this year has become a turning point for comparison shopping. Retirees are realizing that the exact same Plan G coverage can cost dramatically different amounts depending on which company you choose - sometimes a difference of $50 to $100 a month.

The good news? Texas has one of the most competitive Medigap markets in the country. Major carriers like Blue Cross Blue Shield of Texas, Cigna, Humana, Mutual of Omaha, and Aetna are all vying for your business - which means more choices and better pricing if you know where to look.

In this guide, we’ll break down current 2026 Plan G premiums in Texas, explain why costs vary so much from one carrier to another, and help you identify which companies offer the best balance of price, stability, and long-term value.

2026 Medicare Supplement Plan G Premiums in Texas

When it comes to Medigap costs, no two ZIP codes or carriers price things the same.

Your monthly premium depends on several key factors - your age, gender, tobacco status, and where in Texas you live.

For example, premiums in Dallas and Houston tend to run higher than in smaller or rural counties.

It’s also worth noting that every Plan G policy, no matter who sells it, covers the same standardized benefits. The only differences are in price, rate history, and customer service - which means comparing carriers can save you real money.

Analysis

Looking across the state, Cigna Healthcare and Blue Cross Blue Shield of Texas lead in affordability and brand recognition.

Aetna and Mutual of Omaha attract those who prefer long-term stability, while Humana provides a comfortable middle ground with added health and digital perks.

Each of these plans delivers the same comprehensive benefits under Plan G - but premiums, rate adjustments, and service quality can differ widely. That’s why it pays to compare before enrolling.

Why Texas Premiums Vary So Much

If you’ve ever compared Medicare Supplement Plan G rates from a few different companies and felt confused by how much they differ - you’re not alone.

Even though every Plan G offers identical benefits, the premiums in Texas can vary by $50 to $100 a month for the same coverage.

Here’s why those price gaps exist - and what they mean for you.

Regional Healthcare Costs

Texas is a big state with wide differences in healthcare pricing.

Premiums tend to be highest in major metro areas like Dallas–Fort Worth, Houston, and Austin, where hospital costs and medical wages are higher.

In contrast, retirees in smaller towns or rural counties - places like Tyler, Abilene, or Lubbock - often pay less for the same Plan G benefits simply because the cost of care is lower in those regions.

Carrier Pricing Models

Most Medigap insurers in Texas use what’s called an “attained-age” rating system.

That means your premium starts lower at age 65 but gradually increases as you get older. It’s important to understand that even if you lock in a good rate now, you’ll likely see moderate annual increases over time.

A few companies occasionally use issue-age or community-rated pricing (where rates are more stable across ages), but attained-age is still the norm in Texas.

When you’re comparing options, ask how each carrier’s pricing model works - it can make a big difference long-term.

Household Discounts

If you and your spouse or partner live at the same address, you may qualify for a household discount - typically between 7% and 12% off your premium.

Companies like Cigna and Aetna are particularly generous with these discounts, which can add up to hundreds of dollars in savings each year.

Even if only one of you is applying right now, it’s worth asking about future eligibility - some carriers will still apply a discount if a spouse could enroll later.

Company Strategy

Finally, each carrier has its own approach to pricing.

Some - like Cigna and Humana - focus on entry-level affordability, offering some of the lowest initial premiums in the state to attract new customers.

Others, such as Blue Cross Blue Shield of Texas and Mutual of Omaha, price themselves a bit higher upfront but emphasize long-term stability and slower rate increases over time.

Neither approach is right or wrong - it just depends on your goals. If you want the lowest cost today, Cigna or Humana might be your fit.

If you prefer to minimize surprises and stay with one carrier for many years, Blue Cross or Mutual of Omaha may be the safer bet.

Why Plan G Is the Go-To Choice in Texas

There’s a reason Medicare Supplement Plan G continues to be the most popular Medigap plan in Texas - it simply does what retirees want it to do: provide comprehensive coverage, predictable costs, and total freedom of choice.

Plan G fills nearly every gap that Original Medicare leaves behind, covering all Medicare-approved expenses except for the small annual Part B deductible.

Once you’ve met that deductible, Plan G pays the rest - whether it’s a hospital stay, surgery, outpatient service, or specialist visit.

For many Texans, that level of predictability is a breath of fresh air. You can plan your healthcare costs with confidence, without worrying about surprise copays or changing coverage rules.

Another major advantage? No networks.

With Plan G, you can see any doctor or hospital in Texas - or anywhere in the United States - as long as they accept Medicare. Whether you’re visiting family in another state or spending summers in Colorado, your coverage travels with you. No referrals, no network limitations, and no red tape.

That flexibility is especially valuable for Texans who live in large metro areas like Dallas or Houston but travel frequently or split time between states. Many snowbirds who spend part of the year out of state choose Plan G for this exact reason - it gives them peace of mind knowing their coverage goes wherever they do.

And because Medigap plans are standardized by the federal government, Plan G from one company provides the exact same benefits as Plan G from another.

The only real difference is the price you pay and the carrier you trust to manage your policy.

In short, Plan G delivers everything Texas retirees care about most:

• Freedom to choose your own providers
  
• Coverage that’s consistent year after year
  
• Nationwide access for travel or seasonal living
  
• Simplicity and predictability
  

If you want to keep things easy and eliminate financial surprises, Plan G is the plan that makes Medicare simple.

Plan G vs. Medicare Advantage in Texas (2026)

When you’re new to Medicare, it’s easy to see why Medicare Advantage plans look appealing - they often advertise $0 premiums, bundled benefits, and flashy extras like dental or vision coverage.

But once you look closer, the trade-offs become clear - especially in Texas, where provider access and network stability can vary widely by county.

Let’s break it down.

Freedom vs. Networks: With Medicare Supplement Plan G, you can see any doctor or hospital that accepts Medicare - in Texas or anywhere in the U.S. Medicare Advantage (MA) plans, on the other hand, rely on HMOs or PPOs, meaning you’re limited to certain doctors and hospitals in your plan’s network.

Stability vs. Annual Change: Plan G benefits never change - they’re locked in and federally standardized. MA plans can (and often do) change every year - dropping doctors, adjusting copays, or modifying benefits.

Predictable Costs: After paying the small Part B deductible, Plan G covers nearly 100% of all Medicare-approved expenses. Medicare Advantage plans come with ongoing copays, coinsurance, and out-of-pocket maximums that reset each year - and they can vary depending on your care needs.

Travel Flexibility: If you’re one of the many Texans who travel or split time between states, Plan G is the clear winner. MA plans are county-based and usually don’t follow you out of state, while Plan G travels with you nationwide.

Plan G vs. Medicare Advantage

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After helping thousands of Texans compare their Medicare options, we’ve seen the same pattern again and again - Medicare Supplement (Medigap) plans simply deliver more long-term peace of mind than Medicare Advantage.

With a Medigap plan like Plan G or Plan N, you can see any doctor or hospital in the U.S. that accepts Medicare.

No networks. No referrals. No worrying about whether your specialist will still take your plan next year.

That freedom matters - especially for Texans who travel between cities, spend winters in another state, or just want to keep their doctor without jumping through hoops.

What also makes Medigap stand out is stability. The benefits never change. You won’t find your plan dropping doctors or adjusting copays every January like you might with a Medicare Advantage plan.

You know exactly what your coverage includes and what your costs will be - usually just the small Medicare Part B deductible.

For most people, it comes down to control. With Medigap, you’re in charge of your care, not a network or insurance company deciding which providers you can see.

In short, here’s why we recommend Medigap for most Texans:

• You can see any doctor or hospital that accepts Medicare - no networks.
• Benefits stay consistent year after year.
• Costs are predictable, with no surprise copays.
• You’re covered anywhere in the U.S., perfect for travelers and snowbirds.
• You get long-term peace of mind knowing your coverage won’t change.

If you value stability, freedom, and transparency, a Medigap plan is the smarter long-term choice - plain and simple.

How to Compare Plan G Rates in Texas

Comparing Medicare Supplement Plan G rates in Texas doesn’t have to be complicated - but it does take a little strategy.

Since every Plan G offers identical benefits, the real difference comes down to price, carrier reputation, and rate stability.

Here’s the smartest way to approach it:

Step 1: Enter Your ZIP Code: Start by entering your ZIP code into Policy Guide’s online comparison tool. Texas premiums can vary dramatically from one county to the next, so getting rates specific to your area is the key first step.

Step 2: Review Plan G Rates Side-by-Side: Once you have your results, compare monthly premiums across the top carriers - companies like Blue Cross Blue Shield of Texas, Cigna, Humana, Mutual of Omaha, and Aetna. You’ll notice the coverage is identical, but the premiums can differ by as much as $30–$60 a month depending on the insurer and location.

Step 3: Look for Discounts: Many carriers - including Cigna and Aetna  offer household discounts for couples living at the same address, often saving 7–12%. These savings add up quickly, especially for long-term retirees.

Step 4: Evaluate Rate Stability: The lowest premium isn’t always the best deal. Look for companies with a strong history of steady, predictable rate increases rather than steep year-over-year jumps. Established carriers like Blue Cross and Mutual of Omaha tend to offer more consistent renewal pricing.

Step 5: Choose the Right Balance: Your goal is to find the sweet spot between affordability and reliability. If a plan seems unusually cheap, it’s worth checking the carrier’s track record to ensure it’s not a short-term pricing strategy.

At the end of the day, the best Plan G is the one that fits your budget, travel habits, and peace of mind.

Final Thoughts and Recommendations

When it comes to choosing a Medicare Supplement Plan in Texas, the good news is - you really can’t go wrong with any of the major carriers if the plan fits your budget and health needs.

Each of the top insurers we’ve covered - Blue Cross Blue Shield of Texas, Cigna, Humana, Mutual of Omaha, and Aetna - brings its own mix of pricing, service, and long-term reliability.

If you’re still deciding where to start, here’s a quick way to think about it:

• Plan G: The gold standard. It’s the best all-around option for retirees who want maximum coverage and long-term stability. Once you’ve paid the small Part B deductible, almost every Medicare-approved expense is covered - simple, predictable, and stress-free.
  
• Plan N: Ideal if you’re comfortable trading a few small copays for lower premiums. It’s a great middle-ground choice for budget-minded Texans who still want solid protection and flexibility.
  
• High-Deductible Plan G: Perfect for healthy, active seniors who rarely visit the doctor and want to keep their premiums as low as possible. You’ll have more out-of-pocket exposure upfront, but long-term savings can be significant.
  

No matter which plan you choose, remember this: every Plan G offers identical benefits - the only real difference is what each company charges and how they manage rate increases over time.

That’s why now is the right time to shop around, compare your options, and make sure you’re not paying more than you should for the exact same coverage.