Best Medicare Supplement Plans in Florida 2026

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• Medigap Plan G: $221 per month.

• Medigap Plan N: $165 per month.

» MORE: Best Medicare Supplement Plan G companies

• 47% have Medigap Plan F — the most comprehensive coverage of any Medigap plan.

• 29% have Medigap Plan G — the highest-coverage option available to new Medicare members.

• 11% have Medigap Plan N — a plan with lower premiums but higher copays.

• State Health Insurance Assistance Program (SHIP): Florida’s Serving Health Insurance Needs of Elders (SHINE) program is its State Health Insurance Assistance Program. SHINE provides free information and counseling about Medicare options, processes and costs.

• Florida Office of Insurance Regulation: Maintains public databases of Medicare Supplement Insurance rates and other health care and insurance data.

• Florida Department of Financial Services: Provides insurance information for consumers and handles insurance-related complaints.

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:

If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

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.