The bottom line: While most USAA products are offered to current and former U.S. military members, anyone can buy its Medicare Supplement Insurance. USAA’s not a bad option, but competitors can often offer a wider variety of Medigap plan types, lower prices and/or extra perks.
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USAA Medicare Supplement Insurance plans
USAA offers a basic set of Medigap plan types — albeit the most important and popular ones. Most people opt for Plan G or Plan N, two high-coverage options.
» MORE: Medigap Plan G vs. Plan N
There’s also Plan A if you want just the basic benefits, potentially with cheaper premiums. And if you became eligible for Medicare before 2020, you can buy Plan F. But if you’re newer to Medicare, companies can’t sell Plan F to you.
How much does USAA Medicare Supplement Insurance cost?
So-so Plan G prices, high Plan N prices
USAA’s Medicare Supplement Insurance premiums can be on the higher side, especially for Medigap Plan N. USAA’s Medigap Plan G premiums averaged about 29% higher than the cheapest company we review, on average. For Plan N, USAA's premiums were an average of 58% higher.
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
USAA price | Cheapest reviewed competitor | |
|---|---|---|
Los Angeles | $210. | $191. |
Atlanta | $197. | $140. |
Dallas | $189. | $138. |
Plan N
USAA price | Cheapest reviewed competitor | |
|---|---|---|
Los Angeles | $201. | $146. |
Atlanta | $170. | $102. |
Dallas | $157. | $93. |
USAA Medigap discounts
Below-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.
USAA offered a discount for living specifically with one's spouse in one of the three locations priced for this review. The discount was about 5%, which is on the smaller side.
Available discounts may vary according to factors such as your location, household status and how you apply for a policy.
More Nerdy Perspective
Is USAA a good Medicare Supplement Insurance company?
With 3.8 out of 5 stars on NerdWallet’s Medigap rubric, USAA is a fine option, but it doesn’t do much to stand out from the pack. It couldn’t hurt to get a quote for comparison’s sake. But you might find lower prices and bigger discounts from HealthSpring. AARP can offer more plan types and bundled perks. And State Farm is our all-around top-scoring company for 2026. Also consider working with a licensed insurance agent or broker to find your best Medigap option.
With 3.8 out of 5 stars on NerdWallet’s Medigap rubric, USAA is a fine option, but it doesn’t do much to stand out from the pack. It couldn’t hurt to get a quote for comparison’s sake. But you might find lower prices and bigger discounts from HealthSpring. AARP can offer more plan types and bundled perks. And State Farm is our all-around top-scoring company for 2026. Also consider working with a licensed insurance agent or broker to find your best Medigap option.
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
USAA 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 three years of Medigap price change data, USAA’s premiums rose about 7.1% per year across the locations I tracked. That’s less than average, among the companies we review.
USAA member complaints
8% more complaints than average
USAA’s complaint rate is about average. Its members file complaints about the Medigap policies about 8% more often than the market average. That’s according to 2023 to 2025 data from the National Association of Insurance Commissioners (NAIC).
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
USAA’s spending on care
84% for member benefits
USAA spent about 84% of premiums on member benefits, according to the most recent annual data. (The other 16% went to overhead expenses like administrative costs, marketing, salaries and commissions.)
That’s almost exactly equal to 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
Not offered
Medigap plans have standardized Medicare benefits, but insurance companies can offer additional perks. Some competitors offer extra benefits like gym memberships or discounts on hearing aids and eyewear.
USAA doesn’t publicize similar extras for its Medicare Supplement Insurance policies. USAA does offer certain perks and discounts on products and services to its members, but these are available regardless of whether the member holds a USAA Medigap policy.
USAA Medicare Supplement Insurance service area
USAA offers Medicare Supplement Insurance policies in 45 states and Washington, D.C. (USAA doesn’t offer Medigap policies in Massachusetts, Minnesota, New Jersey, New York or Wisconsin.)
USAA covers about 157,000 Medigap beneficiaries and has about a 1.25% share of the total Medicare Supplement Insurance market.
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.
About USAA
USAA was founded in 1922 by Army officers in order to insure one another’s vehicles. Its headquarters are in San Antonio, Texas. Today, the company offers banking, investing, insurance and other financial services to its nearly 14 million members. Members include current and former U.S. military personnel and their spouses and children.
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).
- Smaller year-over-year price increases compared to most competitors.
- Only Plans A, G, and N offered for new Medicare members.
- Higher average premiums.
- Few discounts or extra health and wellness 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 28, 2026.
- 2.National Association of Insurance Commissioners. Company Complaint Index. Accessed Jul 28, 2026.
- 3.National Association of Insurance Commissioners. 2024 Medicare Supplement Insurance Experience Reports (Direct Premiums Earned; Direct Claims Incurred). Accessed Jul 28, 2026.
- 4.National Association of Insurance Commissioners. 2024 Medicare Supplement Insurance Experience Reports (Market Share Percentage). Accessed Jul 28, 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 |