The bottom line: If Medigap premiums are a major concern, I’d take a good look at HealthSpring — that's the new name for Cigna Medicare plans. HealthSpring stands out for its low premiums, especially if you qualify for generous household discounts. And looking at the historical price data I collected, the company’s annual price increases are smaller than average.
One potential red flag: HealthSpring’s complaint rates are pretty bad (though this matters less for Medigap than for other health insurance, since Medicare — not the insurer — determines what's covered). So you might need to decide whether low prices are worth potential customer service headaches. Competitors might offer more plan types or bundled perks, too — but HealthSpring’s offerings in those areas are probably just fine for most people.
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HealthSpring Medicare Supplement plan types
HealthSpring offers a basic set of Medigap plan types. But those types include the most popular picks for new Medicare members: Plan G and Plan N. Most folks will be well served by one of these high-coverage options.
If you want just the basics, there’s also Plan A. It might be cheaper, but it covers considerably less than Plan G or Plan N.
People who became eligible for Medicare before 2020 can also choose Plan F. But if you’re newer to Medicare, no company can sell you that plan anymore.
In some locations, there’s also the option for high-deductible versions of Plan G and Plan F. These can have much cheaper premiums in exchange for a sizable deductible.
HealthSpring plans in Minnesota and Wisconsin fit each state’s respective standards. (Those states use different Medigap plan systems than most of the country.)
Cost for HealthSpring Medicare Supplement Insurance
Cheaper premiums than most major competitors
HealthSpring's premiums are often among the lowest on the market. HealthSpring's prices for Medigap Plan G were about 8% more expensive than the cheapest company we review, on average. Its Plan N premiums were just 3% more expensive.
The tables below show companies’ lowest prices from Medicare.gov, including any available household discounts. Rates might vary based on factors like age, sex, location and household status.
We compare prices in three cities. Each city has different average Medigap premiums:
Los Angeles: Higher costs.
Atlanta: Average costs.
Dallas: Lower costs.
We use Plan G and Plan N for price comparisons. New Medicare members usually pick one of those plan types.
The sections below show price estimates filed with the Centers for Medicare & Medicaid Services. Prices are for a 65-year-old female nonsmoker. (Note: Some Medigap prices may be higher for males.)
Our tables compare the company’s prices to the cheapest alternative among the companies NerdWallet reviews. Those companies cover nearly 90% of all Medigap beneficiaries.
Why we compare prices the way we do
In short, I want to use realistic prices when rating companies. Comparing prices among the companies we review is a way to exclude outliers, which might not stay cheap (or in business) over time.
I’m in my fifth year reviewing Medicare Supplement Insurance companies for NerdWallet. During that time, I’ve noticed that smaller companies with super-low prices often don’t stick around for long.
For example, I looked back at price quotes I analyzed in March 2024. Seven of what had been the 10 cheapest Plan G companies in Dallas are gone as of July 2026. Many of those were smaller companies we don’t review. But 12 of the 13 companies I reviewed in 2024 are still there in 2026, so they’re a more stable and realistic set to compare.
Plan G
HealthSpring price | Cheapest reviewed competitor | |
|---|---|---|
Los Angeles | $209. | $191. |
Atlanta | $159. | $140. |
Dallas | $138. | $138. |
Plan N
HealthSpring price | Cheapest reviewed competitor | |
|---|---|---|
Los Angeles | $156. | $146. |
Atlanta | $103. | $102. |
Dallas | $93. | $93. |
HealthSpring Medigap discounts
Above-average discounts
Discounts can help you save on your Medigap premiums. We often see “household” discounts offered to people living with at least one other adult.
In rates obtained for this review, HealthSpring had the highest average discounts of any company we analyze. Its household discounts averaged about 15% across the locations we track.
HealthSpring advertises that adding an online application discount could mean up to 25% savings on premiums. That would be significantly more than we see from most competitors.
Discount amounts and availability may vary according to factors such as your location, household status and how you apply for a policy.
More Nerdy Perspective
Is HealthSpring a good Medicare Supplement Insurance company?
With 4.5 stars out of 5 on NerdWallet’s Medigap rubric, HealthSpring is a good Medigap company, especially if you're looking for low premiums. But if HealthSpring’s member complaints give you pause, State Farm is a good alternative with very low complaint rates. And if you need more plan type options or perks, consider AARP/UnitedHealthcare. I’d recommend considering HealthSpring alongside quotes from a few other companies and/or working with a licensed insurance agent or broker to find the best Medigap plan for you.
With 4.5 stars out of 5 on NerdWallet’s Medigap rubric, HealthSpring is a good Medigap company, especially if you're looking for low premiums. But if HealthSpring’s member complaints give you pause, State Farm is a good alternative with very low complaint rates. And if you need more plan type options or perks, consider AARP/UnitedHealthcare. I’d recommend considering HealthSpring alongside quotes from a few other companies and/or working with a licensed insurance agent or broker to find the best Medigap plan for you.
Alex Rosenberglead writer covering MedicareCompare against other providers
🔍 AARP/UnitedHealthcare Medigap
» More options in our roundup of the best Medicare Supplement Insurance companies
Compare against other providers
🔍 AARP/UnitedHealthcare Medigap
» More options in our roundup of the best Medicare Supplement Insurance companies
HealthSpring Medicare Supplement price increases
Premiums rise slower than average
It can be difficult or even impossible to switch Medigap plans or companies after your Medigap open enrollment period because of medical underwriting. If you might stick with the same company for decades, it’s a good idea to consider how its prices change over time.
In the past three years of analyzing Medigap price data, HealthSpring’s premiums went up an average of 6.1% per year across the locations I track. That’s the second-lowest rate among the companies I reviewed.
HealthSpring member complaints
48% more complaints than average
HealthSpring's complaint rates aren’t very good. Its members filed complaints 48% more often than the Medigap industry average. That’s according to 2023 to 2025 data from the National Association of Insurance Commissioners (NAIC).
That’s a bad number. But I wouldn’t worry about it for Medigap quite as much as I would for other kinds of health insurance. That’s because Medicare itself determines what’s covered — not an insurance company. The Medigap plan just has to pay for the patient portion after Medicare’s allowed amount. That’s a different situation than something like Medicare Advantage, where insurance companies have more leeway with networks and requirements for referrals or prior authorization.
None of that is to say that HealthSpring’s bad complaint rates don’t matter. I’d rather see far fewer member complaints. But I wouldn’t look at high Medigap complaint rates as potential deal breakers like I might for Medicare Advantage or Medicare Part D.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
HealthSpring's spending on care
84.3% for member benefits
HealthSpring spent about 84.3% of its Medigap premiums on member benefits, according to the most recent year of data. (The other 15.7% went to overhead expenses like administrative costs, marketing, salaries and commissions.) That’s a fine result, and pretty much on par with the all-company average of 84.5%.
The medical loss ratio (MLR) is the percentage of premiums a company spends to pay members’ claims.
If the number is relatively low (down in the 70s), I might wonder why the company isn’t spending more on the benefits its members are paying for.
But if the number is very high (around 90% or higher), the company might not turn a profit after expenses. In that case, I worry that it might cut back on Medigap plans or stop offering them altogether.
Additional benefits
Basic perks — nothing special
Medigap plans are standardized, but companies can offer extras on top of the Medicare benefits. Here are a few extra perks available to HealthSpring Medicare Supplement Insurance beneficiaries:
Discount program: HealthSpring's Healthy Rewards program offers discounts to some members on fitness and nutrition programs, wellness products, and vision, hearing and alternative medicine services.
Health information line: Members can call 24/7 to speak to health advocates, all of whom are licensed nurses.
HealthSpring Medicare Supplement Insurance service area
HealthSpring offers Medicare Supplement Insurance plans in Washington, D.C., and every state except for Massachusetts and New York.
HealthSpring covers about 635,000 Medicare Supplement Insurance beneficiaries and has a market share of about 3.5%.
Compare Medicare Supplement Insurance companies
Get more information below about some of the major Medicare Supplement Insurance companies. These insurers offer Medigap plans in most states, but specifics may vary depending on your location.
Read the NerdWallet reviews of these other Cigna Medicare offerings:
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.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Best for low prices
- Low premiums.
- Smaller annual price increases than competitors.
- Plenty of premium discounts.
- Higher-than-average complaint rate.
- Competitors might have more plan types or added perks.
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.Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Jul 21, 2026.
- 2.National Association of Insurance Commissioners. Company Complaint Index. Accessed Jul 21, 2026.
- 3.National Association of Insurance Commissioners. 2024 Medicare Supplement Insurance Experience Reports (Direct Premiums Earned; Direct Claims Incurred). Accessed Jul 21, 2026.
- 4.National Association of Insurance Commissioners. 2024 Medicare Supplement Loss Ratios. Accessed Jul 21, 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. 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.
Compare Medigap plans
Insurance company | NerdWallet rating | Plan types offered | NAIC complaint rate | Annual price increases | 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 | Lower than 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 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 | Lower than 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 | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.3/5 | A, B, C, F, G, K, L and N | Fewer than expected | Higher than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.3/5 | A, F, G and N | Close to expected | Lower than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |