NerdWallet's editorial team developed our own consumer-first scoring methodology, 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.
Why trust NerdWallet
45+ Medicare companies and brands analyzed by our team of experts.
30+ years of combined experience covering Medicare and personal finance.
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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
NerdWallet's Medicare team scores insurance companies' performance in terms of plan choices, member satisfaction, affordable prices, extra 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 | 3.5/5 | 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
- Complaint rates far below the market average.
- Small annual price increases.
- Few discounts or health and wellness perks.
- High premiums in some locations.
Why we picked it: State Farm earns the highest rating on our Medigap rubric. Rock-bottom complaint rates suggest that State Farm’s members are happy, and its premiums rise more slowly than any other company we reviewed. But if you’re interested in non-Medicare side perks or hope to qualify for premium discounts, you’ll have to look elsewhere.
Service area: 45 states and Washington, D.C.
Pros
- Complaint rates nearly 50% below the market average.
- Small annual price increases.
Cons
- Few discounts or health and wellness perks.
- High premiums in some locations.
Best for plan availability: AARP/UnitedHealthcare
- 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.
Why we picked it: AARP Medicare Supplement plans are available everywhere, often with many different plan types and bundled health and wellness perks. AARP could offer a good opportunity to customize your plan’s coverage and cost, as long as you don’t mind navigating the options to figure out the best fit.
Service area: 50 states and Washington, D.C.
Pros
- Offers as many as eight out of 10 plan types.
- Available in every state.
- Few customer complaints.
Cons
- Plans with health and wellness discounts may cost a little extra in some areas. 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)
- Competitive premiums.
- Plenty of premium discounts.
- Higher-than-average complaint rate.
- Only Plans A, G and N offered for new Medicare beneficiaries.
Why we picked it: HealthSpring (formerly Cigna) had some of the lowest premiums of any company we reviewed, and its annual price increases are among the smallest we saw in our analysis. Stacking discounts available in some locations might help with further savings.
Service area: Every state except Massachusetts and New York, plus Washington, D.C..
Pros
- Low premiums.
- Smaller annual price increases than competitors.
- Plenty of premium discounts.
Cons
- Higher-than-average complaint rate.
- Only Plans A, G and N offered for new Medicare beneficiaries.
Best for premium discounts: Mutual of Omaha
- Complaint rates are well below the market average.
- Sizable premium discounts.
- Annual price increases are on the high side.
- Few choices for plan type.
Why we picked it: Some applicants can receive up to a 12% discount if they live with a spouse, domestic partner or other adults (terms may vary). That’s higher than most competitors offer.
Service area: Every state except Massachusetts, plus Washington, D.C. Temporarily unavailable in Delaware.
Pros
- Complaint rates are well below the market average.
- Sizable premium discounts.
Cons
- Annual price increases are on the high side.
- Few choices for plan type.
More Nerdy Perspective
What are the top Medicare Supplement plans?
Based on NerdWallet’s Medigap rubric, my picks for the best Medicare Supplement Insurance companies for 2026 are State Farm, AARP/UnitedHealthcare, HealthSpring (formerly Cigna) and Mutual of Omaha. These companies 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.
Based on NerdWallet’s Medigap rubric, my picks for the best Medicare Supplement Insurance companies for 2026 are State Farm, AARP/UnitedHealthcare, HealthSpring (formerly Cigna) and Mutual of Omaha. These companies 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 analzed
📊 Star rating categories
NerdWallet's editorial team evaluates Medicare Supplement Insurance companies to find 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, with 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, and 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 offering the plan. 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.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.NerdWallet analysis of State Farm plan offerings. Health Insurance You Can Rely On. Accessed Feb 12, 2026.
- 2.UnitedHealthcare. Medicare Coverage Options from UnitedHealthcare. Accessed Feb 12, 2026.
- 3.NerdWallet analysis of HealthSpring plan offerings. Medicare Supplement (Medigap) Insurance Policies. Accessed Feb 12, 2026.
- 4.Mutual of Omaha Corporate Communications. Email Confirmation. Accessed Jan 22, 2026.
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. At the national level, our scored reviews include companies covering about two-thirds of all Medigap beneficiaries. At the state level, our research includes at least one of the two largest Medigap insurance companies in 48 of the 50 states, plus Washington, D.C.
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.