Best Medicare Supplement Plans in California 2024

See popular plan types, top companies and price comparisons for Medigap policies in California.
Alex Rosenberg
By Alex Rosenberg 
Edited by Holly Carey

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

California has nearly 6.8 million Medicare beneficiaries — more than any other state

Centers for Medicare & Medicaid Services. Medicare Monthly Enrollment: October 2023. Accessed Feb 2, 2024.
. Of those, about 3.4 million have Original Medicare (Part A and Part B).

Californians with Medicare Part A and Part B can purchase Medicare Supplement Insurance, or Medigap, to help cover certain out-of-pocket expenses like copays, coinsurance and deductibles left over after Medicare pays for covered services. About 595,000 Californians had Medigap coverage as of the end of 2022

National Association of Insurance Commissioners. 2022 Medicare Supplement Loss Ratios. Accessed Feb 2, 2024.

Here’s what you need to know about finding the best Medigap policy for you in California.

Compare Medicare Supplement plans in California

There are 10 standard Medigap plan types available in California (Plan C and Plan F aren’t available for new Medicare members), but enrollment is concentrated in just a handful of plans. The three most popular plan types cover nearly 89% of California’s Medigap members.

These are California’s three most popular Medicare Supplement Insurance plan types


  • 59% have Medigap Plan F — the most comprehensive coverage of any Medigap plan.

  • 19% 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.

🤓Nerdy Tip

Medigap Plan F isn’t available to Medicare beneficiaries who became eligible for Medicare on or after Jan. 1, 2020. Medigap Plan G is the most similar option that’s available to all Medicare beneficiaries.

Top Medicare Supplement Insurance companies in California

Medigap plans are regulated by the government, but they’re sold by private insurance companies. Here are California’s five most popular Medicare Supplement Insurance companies as of the end of 2022

National Association of Insurance Commissioners. 2022 Medicare Supplement Loss Ratios. Accessed Feb 2, 2024.

Insurance company

Share of California Medigap members


2. Health Net





5. United American Insurance Company


Medicare Supplement Insurance prices in California

It’s worth comparing companies to find the lowest price for your chosen plan. The benefits of each Medigap plan are standardized, so you get the same Medicare benefits regardless of the company you choose.

Here are prices for Medigap Plan G and Plan N, the most popular plans available for new Medicare members, from the Medigap companies with the most members in California.

The table below shows price estimates for a 65-year-old female nonsmoker in Los Angeles as filed with the Centers for Medicare & Medicaid Services

Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Feb 2, 2024.
. (Note: Some Medigap prices may be higher for males.)

Insurance company

Plan G monthly premiums

Plan N monthly premiums







Health Net



Mutual of Omaha



United American Insurance Company



For reference, here are the lowest premiums available from any company for the two plans in California, according to the Medicare plan finding tool:

  • Medigap Plan G: $137 per month.

  • Medigap Plan N: $105 per month.

Medicare resources in California

  • State Health Insurance Assistance Program (SHIP): California’s Health Insurance Counseling and Advocacy Program (HICAP) is its State Health Insurance Assistance Program. HICAP offers free, confidential counseling for Medicare, Medi-Cal (Medicaid), long-term care insurance and other health insurance issues.

  • California Department of Insurance: Publishes a survey of Medigap premiums filed by insurance companies and offers a consumer hotline for help with insurance issues and information. 

  • California Area Agencies on Aging: Provide information and programs for older adults, people with disabilities, long-term care facility residents and family caregivers.

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.

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.

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

Looking for additional insurance in California? Check out these resources:

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.