The bottom line: There’s not much reason to pick Aflac over most major competitors. Aflac’s prices are OK, but not market-leading. Its complaint rates are bad, its plan selections are limited, and there are no compelling perks or extras.
In short, you’d probably be better off with one of our picks for the best Medicare Supplement Insurance companies. Our favorites on that list offer more and cost less than Aflac.
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Aflac Medicare Supplement Insurance plans
Aflac offers a basic set of Medigap plan types, but that does include Plan G and Plan N. Those two high-coverage plans are good, popular choices for new Medicare members.
» MORE: Medigap Plan G vs. Plan N
For a potentially cheaper option, Plan A has more basic coverage. And if you became eligible for Medicare before 2020, Plan F is another high-coverage option. But if you’re newer to Medicare, companies can’t sell you that plan.
In addition, Aflac offers plans in Wisconsin that fit the state’s standards. (Massachusetts, Minnesota and Wisconsin don't use the same Medigap plan system as the rest of the country.)
How much does Aflac Medicare Supplement Insurance cost?
Middle-of-the-pack prices
Aflac’s prices are pretty average. Its Plan G premiums were about 31% higher than the least expensive company we review. It's a little more competitive for Plan N, with premiums averaging about 28% higher than the cheapest company we review.
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
Aflac price | Cheapest reviewed competitor | |
|---|---|---|
Los Angeles | $267. | $191. |
Atlanta | $181. | $140. |
Dallas | $170. | $138. |
Plan N
Aflac price | Cheapest reviewed competitor | |
|---|---|---|
Los Angeles | $203. | $146. |
Atlanta | $122. | $102. |
Dallas | $116. | $93. |
Aflac Medigap discounts
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.
Aflac offered household discounts of about 10% in all three locations priced for this review. It offers “roommate” discounts, so you don’t need to live specifically with a spouse to qualify.
Discount size and availability might vary with location, household status, how you apply or other factors.
More Nerdy Perspective
Is Aflac a good Medicare Supplement Insurance company?
No. It’s tough to find a good case for Aflac in the data I use to evaluate companies. Its prices are so-so, but there are plenty of cheaper options, and it falls short on quality. Our top-scoring company, State Farm, would be a good option with much happier customers. For lower prices, take a look at HealthSpring. Or if you need more options for plan types and perks, consider AARP. I recommend comparing quotes from several companies to find your best option. Also consider working with a licensed insurance agent or broker to find a good policy for you.
No. It’s tough to find a good case for Aflac in the data I use to evaluate companies. Its prices are so-so, but there are plenty of cheaper options, and it falls short on quality. Our top-scoring company, State Farm, would be a good option with much happier customers. For lower prices, take a look at HealthSpring. Or if you need more options for plan types and perks, consider AARP. I recommend comparing quotes from several companies to find your best option. Also consider working with a licensed insurance agent or broker to find a good policy 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
Aflac Medicare Supplement price increases
Premiums rise faster than average
Today’s prices are important when choosing a Medigap plan, but it’s also a good idea to consider how prices might increase over time.
From 2025 to 2026, Aflac’s base premiums went up an average of 14.8% in the quotes we obtained for our reviews. That’s higher than average among the Medicare Supplement Insurance companies we review, comparing the same time periods.
Aflac member complaints
138% more complaints than average
Aflac’s complaint rates are bad. Members filed complaints about Aflac Medigap policies 138% more often than the average for all Medigap companies. That’s according to 2023 to 2025 data from the National Association of Insurance Commissioners (NAIC). That’s the second-worst complaint rate among the companies we review.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Aflac's spending on care
74.3% for member benefits
Aflac Medigap plans spent about 74.3% of premiums on member benefits, according to the most recent annual data. (The other 25.7% went to overhead expenses like administrative costs, marketing, salaries and commissions.)
That’s a fair bit below the all-company average of 84.5%, which means that many competitors spend more on member benefits.
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
Not offered
Medigap plans are standardized, but companies can offer extras on top of the Medicare benefits.
Some competitors offer extra perks like gym memberships or discounts on hearing aids and eyewear. Aflac doesn’t publicize similar extras for its Medicare Supplement Insurance policies.
Aflac Medicare Supplement Insurance service area
Aflac offers Medicare Supplement Insurance plans in 42 states. (Aflac doesn’t offer plans in Alaska, Connecticut, Hawaii, Maine, Massachusetts, Minnesota, New York, Washington state or Washington, D.C.)
Aflac covers about 83,000 Medigap beneficiaries. Its share of the total Medicare Supplement Insurance market is about 0.25%.
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. 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).
- Reasonably competitive prices for Plan N.
- High complaint rates.
- Competitors offer more perks and extras.
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 24, 2026.
- 2.National Association of Insurance Commissioners. Company Complaint Index. Accessed Jul 24, 2026.
- 3.National Association of Insurance Commissioners. 2024 Medicare Supplement Insurance Experience Reports (Direct Premiums Earned; Direct Claims Incurred). Accessed Jul 24, 2026.
- 4.National Association of Insurance Commissioners. 2024 Medicare Supplement Loss Ratios. Accessed Jul 24, 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 |