NerdWallet's editorial team developed our own consumer-first scoring methodology. We collected data and crunched the numbers to find the best Medigap plans.
We picked the best Medicare Supplement Insurance companies for 2026 based on cost, member satisfaction and more. Our analysis includes companies covering about 87% of all Medigap beneficiaries.
Here are our picks for the top companies for Medicare Supplement plans for 2026.
Best overall: State Farm.
Best for plan availability: AARP/UnitedHealthcare.
Best for low prices: HealthSpring (formerly Cigna).
Best for premium discounts: Mutual of Omaha.
45+ Medicare companies and brands analyzed by our team of experts.
30+ years of combined experience covering Medicare and personal finance.
Governed by NerdWallet's strict guidelines for editorial integrity.
NerdWallet’s Medicare content, including articles, reviews and recommendations, is produced by a team of writers and editors who specialize in Medicare. Their work has appeared in The Associated Press, Washington Post, Nasdaq, MSN, MarketWatch, Yahoo! Finance and other national and regional media outlets. They have been cited in publications including Healthline, and appeared on NerdWallet's "Smart Money" podcast.
Our picks: Best Medicare Supplement Insurance companies
We score Medigap companies based on plan choices, member satisfaction, prices, perks, service area and more.
Insurance company | NerdWallet rating | Plan types offered | NAIC complaint rate | Premium discounts available | Learn more |
|---|---|---|---|---|---|
BEST OVERALL | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 5.0/5 | A, C, D, F, G and N | Far fewer than expected | Below average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
BEST FOR PLAN AVAILABILITY | |||||
4.5/5 | A, B, C, F, G, K, L and N | Far fewer than expected | Above average | (844) 939-0223 / TTY 711 Call UnitedHealthcarefrom UnitedHealthcare | |
BEST FOR LOW PRICES | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.5/5 | A, F, G and N | Far more than expected | Above average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
BEST FOR PREMIUM DISCOUNTS | |||||
 From Mutual of Omaha | 4.0/5 | A, F, G and N | Far fewer than expected | Above average | From Mutual of Omaha |
Best overall: State Farm
State Farm earns our highest rating among all the Medigap companies NerdWallet's editorial team reviewed. It's a reliable performer across nearly every category we evaluate.
Why do we like State Farm?
Happy members. State Farm members file complaints half as often as the average Medigap company. That's very close to the best complaint rate on the market. (Mutual of Omaha, which we also like, is just a few percentage points lower.)
Stable prices. We’ve been reviewing Medigap plans for a while, so we used our historical price data to understand how companies raise prices over time. Of every company NerdWallet reviews, State Farm raised its prices the slowest among the locations we collected price data for.
And it’s a significant difference! We saw lots of competitors with annual price increases 2 to 3 times higher than State Farm’s, on average. Those differences can really add up over the years.
What are State Farm’s drawbacks?
Competitors offer more perks. State Farm’s Medigap plans offer excellent Medicare benefits, but that’s it. Unlike most competitors, State Farm doesn’t include any extra perks. You won’t find gym memberships or discounts on health and wellness products, vision, hearing or dental services. (We think the core Medicare benefits are more important. But if these kinds of perks are valuable to you, know that you’d need to look elsewhere for them.)
Pricing in some locations. State Farm’s premiums can vary a lot by location. For example, in Los Angeles, they were the cheapest on the market. But in Atlanta and Dallas, they were less competitive. Whether you can find a good deal might depend on where you live.
- Complaint rates far below the market average.
- Small annual price increases.
- Few discounts or health and wellness perks.
- High premiums in some locations.
Best for plan availability: AARP/UnitedHealthcare
UnitedHealthcare is a big name in health insurance. It’s by far the largest Medigap insurance company. UnitedHealthcare sells Medicare Supplement Insurance plans with AARP branding. (That's also the case for many of its Medicare Advantage and Part D plans.)
What’s best about AARP/UnitedHealthcare?
Wide availability. AARP/UnitedHealthcare Medicare Supplement Insurance plans are available in every state. So wherever you live, they’re worth a look to see whether there’s a good fit for your needs and your budget.
Customizability. AARP/UHC offers as many as eight out of the 10 Medigap plan types. That’s more variety than many competitors. (It's not uncommon to see only plans A, F, G and N offered).
And there are often options to customize further by adding on health and wellness perks. Medicare Select options might also offer lower premiums if you can deal with the network restrictions.
Where does AARP/UnitedHealthcare fall short?
Complexity. AARP/UnitedHealthcare’s customizability is a positive if you’re willing to navigate a lot of options to find the best fit. But the number of plan types and their many variations can be overwhelming. And plans with health and wellness perks may cost a little extra in some areas. Some competitors include them at no additional cost.
Price increases. AARP/UnitedHealthcare’s annual price increases were about 12% per year, on average, among the locations we collected price data for. That’s close to the highest among the companies we reviewed. People often sign up for a plan during Medigap open enrollment as they’re turning 65, and they usually stick with the company for years. As a result, a company’s price increases might affect your budget for a long time.
- Offers as many as eight out of 10 plan types.
- Available in every state.
- Few customer complaints.
- Plans with health and wellness discounts may cost a little extra in some areas, while some competitors include them at no additional cost.
- Plan variations and extras can get confusing.
- Higher-than-average annual price increases.
Best for low prices: HealthSpring (formerly Cigna)
HealthSpring is the new name for Cigna Medicare plans. While the name has changed, we didn’t see a lot of other major changes in the move from Cigna to HealthSpring. There’s still a lot to like.
Where does HealthSpring stand out?
Low premiums. HealthSpring had some of the cheapest premiums of any company we reviewed, on average. And its annual price increases are among the smallest we saw in our analysis of premiums in select locations. That could make HealthSpring a safer choice if you plan to stick with the same company for many years. (That's common, since switching companies can be difficult. You generally get one chance to sign up without medical underwriting around age 65. After that Medigap open enrollment period, you might pay more or get denied.)
Significant discounts. HealthSpring advertises stacking discounts of up to 25% off of premiums. The biggest discount is up to 20% for living with a spouse. And adding on a 5% discount for enrolling online can bring that up to 25%. Discount availability and size vary by location, however.
What are HealthSpring’s downsides?
Complaint rates. We use complaint rates as an indicator of how happy or unhappy members are with their plans. HealthSpring plans get about 42% more customer complaints than average. That's according to our analysis of three years' worth of data. That’s not a great result, especially compared to some of our other top performers.
Plan types. HealthSpring generally offers only Medigap plans A, G and N for new Medicare members. High-deductible Plan G is available in certain locations. And people who became eligible for Medicare before 2020 have Plan F as an option. These are the most popular plan types, so they’re probably plenty for most people. But if you want any of the other plan types as an option, you’ll need to buy from another company.
- Low premiums.
- Smaller annual price increases than competitors.
- Plenty of premium discounts.
- Higher-than-average complaint rate.
- Only Plans A, G and N offered for new Medicare beneficiaries.
Best for premium discounts: Mutual of Omaha
Mutual of Omaha is the second-biggest Medicare Supplement Insurance company (after AARP/UnitedHealthcare). It’s also known for life insurance and financial services.
What do we like about Mutual of Omaha?
Customer satisfaction. Mutual of Omaha gets fewer customer complaints than any other company we analyzed. The company gets 52% fewer complaints than we'd expect for a company its size over the past three years. That's a great result, and suggests that customers are happy with the company and their plans.
Premium discounts. Mutual of Omaha offers household discounts up to 12% to many applicants. (Terms and availability vary by location.) Its discounts are some of the highest of any company we analyzed, on average. And they’re often available if you live with a domestic partner or other adult, not just a spouse. (Some competitors’ household discounts apply only for spouses.)
What are cons of Mutual of Omaha?
Price increases. Mutual of Omaha’s year-over-year price increases were some of the highest among the companies we reviewed. That's according to our analysis of three years' worth of price increases in select locations. Those price bumps can add up over the years, so they’re an important shopping consideration.
Plan type options. Medigap Plans A, G and N are the only plan type options generally offered to new Medicare members. Plan F is also an option if you became eligible for Medicare before 2020. Most people pick one of those plans, so this might not be a significant downside. But competitors do sometimes offer more options.
- Complaint rates are well below the market average.
- Sizable premium discounts.
- Annual price increases are on the high side.
- Few choices for plan type.
More Nerdy Perspective
What are the top Medicare Supplement plans?
Four companies stood out at the top of my Medigap scores. For 2026, my picks are State Farm, AARP/UnitedHealthcare, HealthSpring (formerly Cigna) and Mutual of Omaha. They stood out based on factors including premiums, discounts, price increases, complaint rates, plan availability and more. It’s always a good idea to shop around and compare multiple quotes. Also consider working with a licensed insurance agent or broker to find the best Medicare Supplement Insurance for you.
Four companies stood out at the top of my Medigap scores. For 2026, my picks are State Farm, AARP/UnitedHealthcare, HealthSpring (formerly Cigna) and Mutual of Omaha. They stood out based on factors including premiums, discounts, price increases, complaint rates, plan availability and more. It’s always a good idea to shop around and compare multiple quotes. Also consider working with a licensed insurance agent or broker to find the best Medicare Supplement Insurance for you.
Alex Rosenberglead writer covering MedicareHow we choose the best Medicare Supplement plans
🏢 13 companies reviewed covering 87% of beneficiaries
📝 455 price quotes compared
🔢 3,111 unique data points analyzed
📊 Star rating categories
NerdWallet's editorial team evaluates Medicare Supplement Insurance companies. Our analysis looks for strengths, weaknesses and the best value for customers. Our Medigap rubric includes these factors:
💰 Premiums (35%). We evaluate prices for Medigap Plan G and Plan N in multiple metropolitan areas across the U.S.
📈 Price increases (15%). We compare price quotes we've collected over years of analysis to score companies based on how much they raise their rates each year.
☎️ Customer complaints (25%). We analyze data from the National Association of Insurance Commissioners to find the companies with the lowest complaint rates.
🧑💻 Online quotes (10%). We give points to companies that let you get quotes and see prices online, rather than making you work with an agent.
🛒 Plan types offered (5%). We score companies on how many of the 10 standardized Medigap plan types they generally offer.
🏥 Spending on care (5%). We give more points to companies that spend more of their income on their members.
👟 Bundled extras (5%). We give higher scores to companies that offer more useful perks with their plans.
⭐ What our star ratings mean
Companies with 5 stars are exceptional. They have competitive pricing, good complaint rates and solid policy offerings.
Companies with 4.5 stars are excellent, but might trail leaders' performance on one or two factors.
Companies with 4.0 stars are good, but might fill a niche role or not be as well rounded as higher-rated competitors.
Companies with 3.5 stars or fewer could do better in certain categories, like pricing and customer complaints.
NerdWallet does not receive compensation for our star ratings or our reviews. Read more about our Medicare Supplement Insurance ratings methodology and editorial guidelines.
What’s the best Medigap plan for most people?
In most states, there are 10 standardized Medigap plan types. But the three most popular plan types cover about 88% of enrollees.
Here are the top three Medicare Supplement plans and what might make them a good fit.
Best for maximum coverage: Medigap Plan F
Medigap Plan F covers more than any other plan type.
Coverage for the Part B deductible sets Plan F apart from most other plan types. But people who turned 65 in 2020 or later can't buy Plan F or any other plan that covers the Part B deductible. (Plan G is a great alternative.)
What Plan F covers
Part A
Part A deductible.
Part A coinsurance for hospital, skilled nursing and/or hospice care.
Part B
Part B deductible.
Part B coinsurance.
Part B excess charges.
Other
Blood (first 3 pints).
Foreign travel emergency care.
Consider Plan F if you want the maximum possible Medicare Supplement coverage. But only if you became eligible for Medicare in 2019 or earlier.
Pros
- More benefits than any other plan type.
- Offered by most companies.
- Covers most out-of-pocket costs for Part A and Part B.
Cons
- Pricey premiums.
- Not an option for new Medicare members.
- Plan G or Plan N might be a better value.
Best coverage for new Medicare members: Medigap Plan G
Medigap Plan G is nearly identical to Plan F, except it doesn't cover the Medicare Part B deductible.
What Plan G covers
Part A
Part A deductible.
Part A coinsurance for hospital, skilled nursing and/or hospice care.
Part B
Part B coinsurance.
Part B excess charges.
Other
Blood (first 3 pints).
Foreign travel emergency care.
Consider Plan G if you want the most coverage available to new Medicare members. Or if you’re eligible for Plan F, check if Plan G might end up a better deal due to lower premiums.
Pros
- Very high coverage.
- Sold by nearly every company.
- Available to any Medicare member.
Cons
- Higher premiums.
- Plan N might be a better value.
- Coverage for Part B excess charges might not be relevant.
» MORE: Best Medicare Supplement Plan G companies
Best for cost-effective coverage: Medigap Plan N
Medigap Plan N has coverage similar to Plan G with two notable differences:
Plan N doesn’t cover Medicare Part B excess charges (if a provider is permitted to charge more than Medicare’s approved amount and does so). These are rare, but could be pricey.
You’ll owe copays of up to $20 for medical office visits and up to $50 for emergency visits that don’t result in admission to inpatient care.
What Plan N covers
Part A
Part A deductible.
Part A coinsurance for hospital, skilled nursing and/or hospice care.
Part B
Part B coinsurance.
Other
Blood (first 3 pints).
Foreign travel emergency care.
Consider Plan N if you want plenty of coverage with lower premiums than Plan G or Plan F. It’s an especially good fit if you don’t expect many doctor’s office and/or emergency visits.
Pros
- Plenty of coverage.
- Lower premiums than Plan G or Plan F.
- Available from most companies.
Cons
- Copays for office and emergency visits.
- Part B excess charges could be costly if you run into them.
» MORE: Medigap Plan G vs. Plan N: Which is best?
Get details on Medicare Supplement plan options | |
If you want... | Consider... |
Basic benefits | |
Basics plus some extras | |
Highest coverage | |
Lower premiums, but higher copays | |
Lowest premiums — partial coverage | |
No longer for sale to new Medicare members | |
Find the right Medicare Supplement Insurance plan
Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company. So when you shop, keep these considerations in mind to find the best policy to fit your needs:
Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.
What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.
Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.
Are there extras? Medigap plans’ core benefits are standardized. But in certain cases, some companies include such perks as discount programs or gym memberships.
You may be eligible for Medicare plans during a special enrollment period if you are turning 65, new to Medicare plans, moving or losing coverage.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Note regarding NAIC complaint data: NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Medicare Supplement Insurance ratings methodology
NerdWallet’s Medicare Supplement Insurance (Medigap) ratings are based on pricing, discounts, plan types offered, complaint data from the National Association of Insurance Commissioners, consumer experience, additional perks and benefits, and more. To calculate each health insurance company's rating, we adjusted the scores to a curved 5-point scale, rounded to the nearest half star.
NerdWallet reviewed 13 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. We review companies covering nearly 87% of all Medigap beneficiaries in the United States. At the state level, our research includes the two largest Medigap insurance companies in 45 out of 50 states, plus Washington, D.C. We cover at least one of the two largest Medigap companies in every state.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Supplement Insurance.
Insurer complaints methodology
We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.