Medicare Supplement Plans in Florida: 2026 Rates and Enrollment Help
Florida Plan G and Plan N premiums by region from state rate filings, first-time enrollment steps and the Florida rules that decide when you can buy
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Medicare Supplement Insurance in Florida
About 2.3 million Floridians use Original Medicare, the coverage a Medicare Supplement (Medigap) plan works with. This guide covers what Florida residents need before they buy: 2026 premiums from rates filed with the state, the enrollment steps for people new to Medicare, how to check that a company and agent are licensed and the Florida rules that decide when you can buy without health questions.
Reviewed by Charles “Chuck” Lunsford, Life & Health insurance agent licensed in Florida since 1994 and in Alabama (NPN 553216).
Verify the license on the Florida Department of Financial Services licensee search using NPN 553216. Last reviewed October 17, 2026. Medicare amounts on this page are checked against CMS figures for 2026, and premium figures come from rates on file with the Florida Office of Insurance Regulation.
Florida Medicare at a Glance
| People with Medicare in Florida | 5,334,437 (CMS, June 2026) |
|---|---|
| In Original Medicare, where a Medigap plan can be added | 2,287,617 (42.9%) |
| In Medicare Advantage or other health plans | 3,046,820 (57.1%) |
| With a stand-alone Part D drug plan | 1,556,523 |
| Plan G median premium, women 65, by region | $241 to $361 a month (Florida Office of Insurance Regulation filings, October 2026) |
| Companies with Plan G rates on file | More than 30 |
| Free Medicare counseling | SHINE, 1-800-963-5337 |
| State insurance consumer helpline | Florida Department of Financial Services, 1-877-693-5236 |
Enrollment figures come from CMS Medicare Monthly Enrollment data for June 2026, summed across Florida’s 67 counties.
Free 2026 Medicare Guides
Want to read up before we talk? Download the official Medicare & You 2026 handbook and the government’s Choosing a Medigap Policy guide. Both are free PDFs, with no sign-up needed.
Enrolling in Medicare for the First Time in Florida
Most people sign up for Medicare and choose a Medigap plan within a few months of turning 65. The order matters, because each step opens the window for the next one.
- Mark your Initial Enrollment Period. It lasts 7 months: the 3 months before the month you turn 65, that month and the 3 months after. If you sign up before your birthday month, Part B starts the month you turn 65. If you sign up later in the window, it starts the next month.
- Enroll in Part A and Part B through Social Security. Apply at ssa.gov or call 1-800-772-1213. If you or your spouse are still working and covered by an employer plan, ask Social Security and the employer how delaying Part B would work before you decide.
- Use your Medigap open enrollment period. It lasts 6 months and starts the first month you are 65 or older and enrolled in Part B. During it, companies cannot refuse to sell you any plan they offer or charge you more because of your health. It happens once, so it is usually the best time to buy.
- Pick a plan letter. Many new enrollees compare Plan G, Plan N and High-Deductible Plan G. Plans C and F are not sold to anyone who became eligible for Medicare on or after January 1, 2020.
- Compare companies for the same plan. Benefits are identical by letter, so the differences are price, rate increases over time and service. The Florida rates below show how wide the spread can be.
- Add a Part D drug plan. Medigap plans sold today do not cover prescriptions. Join a Part D plan during your Initial Enrollment Period to avoid a late enrollment penalty if you have no other drug coverage that counts.
- Review the policy when it arrives. Florida requires a 30-day free look. If you return the policy within 30 days of delivery, you get a full refund.
Under 65 and on Medicare? Florida gives people with Medicare because of a disability or end-stage renal disease a 6-month Medigap open enrollment period that starts when Part B begins. You get another open enrollment period when you turn 65, which lets you move to the lower age 65 rates.
Plan details: Plan G | Plan N | High-Deductible Plan G | Plan K | Plan L | Compare all plans
2026 Medicare Supplement Rates in Florida
The table shows monthly premiums for Plan G and Plan N in one ZIP code in each of our 10 Florida regions. Each figure is the median of the rates on file with the Florida Office of Insurance Regulation (FLOIR) for a non-tobacco applicant age 65, with the lowest and highest rates beneath it. Click a region for local hospitals, nursing homes and help.
| Region and sample ZIP | Plan G, women 65 median, low to high | Plan G, men 65 median | Plan N, women 65 median, low to high | Plan N, men 65 median |
|---|---|---|---|---|
| Florida Panhandle Pensacola, 32501 | $242 $201 to $329 | $263 | $180 $142 to $305 | $199 |
| North Central Florida Gainesville, 32601 | $241 $201 to $295 | $260 | $180 $142 to $265 | $199 |
| Northeast Florida Jacksonville, 32202 | $254 $218 to $329 | $279 | $195 $159 to $305 | $214 |
| Central Florida Orlando, 32801 | $248 $202 to $329 | $270 | $189 $142 to $305 | $208 |
| Space Coast Melbourne, 32901 | $248 $201 to $329 | $273 | $189 $142 to $305 | $208 |
| Tampa Bay Tampa, 33602 | $251 $218 to $344 | $278 | $190 $159 to $318 | $211 |
| Treasure Coast Port St. Lucie, 34952 | $254 $218 to $344 | $279 | $195 $159 to $318 | $214 |
| Southwest Florida Fort Myers, 33901 | $243 $201 to $344 | $264 | $187 $142 to $318 | $206 |
| South Florida Miami, 33125 | $361 $273 to $539 | $396 | $278 $218 to $371 | $313 |
| Florida Keys Key West, 33040 | $359 $224 to $539 | $395 | $269 $167 to $371 | $294 |
Rates in Miami-Dade and the Keys run well above the rest of the state: the median Plan G rate for a 65-year-old woman in Miami is $361 a month, compared with $241 in Gainesville and $242 in Pensacola. In every region the highest rate for the same plan is more than $90 a month above the lowest, for identical benefits.
How Premiums Change With Age
In the FLOIR data, rates rise with age. These are the FLOIR rates for women in Orlando (ZIP 32801) at different ages.
| Age | Plan G median, low to high | Plan N median, low to high |
|---|---|---|
| 65 | $248 $202 to $329 | $189 $142 to $305 |
| 70 | $269 $211 to $378 | $204 $162 to $350 |
| 75 | $307 $236 to $434 | $236 $186 to $402 |
| 80 | $345 $270 to $500 | $271 $212 to $461 |
| 85 | $374 $293 to $571 | $302 $243 to $528 |
At 85, the median Plan G rate in this sample is about 50% higher than at 65. When you compare companies, ask how each one prices by age and how its rates have changed in recent years, not only what you would pay in the first year.
Source: FLOIR Medicare Supplement Sample Rate Search, searched October 20, 2026 for policies effective November 1, 2026. Annual rates are divided by 12 and rounded. Figures include standard and preferred rates. They leave out conversion policies and plans sold only to members of fraternal organizations. Policy fees, household discounts and tobacco rates are not included. FLOIR describes these as sample rates, so a quote for your ZIP code, age and sex can differ.
Use the FLOIR search with your own ZIP code, or ask us for a side-by-side comparison of the companies that sell in your county.
Where to Buy a Reliable Medicare Supplement Plan in Florida
Every Plan G pays the same benefits, so a reliable plan comes down to the company behind it and the person who sells it to you. Before you sign, check these points.
- The company is on file with the state. Search the FLOIR Company Search. Medigap policies sold in Florida must be guaranteed renewable, so the company cannot cancel your policy because of your health or claims as long as you pay the premium.
- The agent is licensed in Florida. Look up the agent’s name or license number on the Department of Financial Services licensee search. A Florida agent who sells Medigap should hold a health or life and health license.
- The rate history is reasonable. Companies can raise rates only for a whole group of policyholders, not for one person because of claims, and FLOIR must approve every increase. Ask for each company’s rate changes over the last several years.
- The complaint record is clean. The NAIC Consumer Insurance Search shows complaints filed against a company by state and type of insurance.
- The price fits now and later. Compare the rate at your age today and how it is likely to change, using the age table above as a guide.
You can buy from a company directly, through an agent who represents one company or through an independent agent who compares several. Free, unbiased help is also available from SHINE, the Florida Department of Elder Affairs counseling program, at 1-800-963-5337 and from the Department of Financial Services consumer helpline at 1-877-693-5236.
MedicareSupplementsOnly.com is owned by a licensed agent who is paid by the insurance companies he represents. Those companies are listed in the disclaimer at the bottom of this page.
Florida Medicare Supplement Rules
- Open enrollment at 65: 6 months starting the first month you are 65 or older and enrolled in Part B, with no health questions.
- Under 65 with a disability or end-stage renal disease: Since October 1, 2009, Florida has required companies to offer a 6-month open enrollment period starting when Part B begins, with a second one at 65.
- Loss of group coverage: Floridians with Part B whose employer group health plan ends get a 2-month open enrollment period after it ends, on top of federal guaranteed issue rights.
- No yearly switching window: Florida has no annual right to change Medigap plans. Outside open enrollment and guaranteed issue situations, companies can ask health questions and turn you down.
- Trying Medicare Advantage: If you drop a Medigap policy to join a Medicare Advantage plan for the first time and leave it within a year, you can return to Medigap without health questions.
- 30-day free look: You can return a new policy within 30 days of delivery for a full refund.
- Guaranteed renewable: A company cannot cancel your policy while you pay the premium, and FLOIR must approve rate increases before they take effect.
- Plans C and F: Available only to people who were eligible for Medicare before January 1, 2020.
Choosing Between Plan G, Plan N and High-Deductible Plan G
Plan benefits are set by federal law and are the same with every company. In 2026, Plan G leaves you with the $283 Part B deductible. Plan N also leaves the deductible, plus up to $20 for some office visits and up to $50 for emergency room visits that do not lead to an admission, and it does not pay Part B excess charges. High-Deductible Plan G pays after you meet a $2,950 deductible. All three work with any doctor or hospital in the United States that accepts Medicare, and they cover 80% of emergency care abroad after a $250 deductible, up to a $50,000 lifetime limit.
2026 Medicare Costs a Medigap Plan Can Pay
| Medicare cost | 2026 amount | Plan G | Plan N |
|---|---|---|---|
| Part A hospital deductible | $1,736 per benefit period | Pays | Pays |
| Hospital days 61 to 90 | $434 a day | Pays | Pays |
| Lifetime reserve days | $868 a day | Pays | Pays |
| Skilled nursing days 21 to 100 | $217 a day | Pays | Pays |
| Part B deductible | $283 a year | You pay | You pay |
| Part B coinsurance | 20% | Pays | Pays, except copays up to $20 office and $50 ER |
| Part B excess charges | Up to 15% | Pays | You pay |
The standard Part B premium is $202.90 a month in 2026, and you pay it with any Medigap plan. For cost examples at local hospitals and a calculator that uses your own quotes, choose your county below. Plan details: Plan G | Plan N | High-Deductible Plan G | Plan K | Plan L | Compare all plans
Medicare Supplement Guides by Florida Region
Each regional guide covers the area’s hospital systems and counties, with links to every county page in the region.
Medicare Supplement Help in Your Florida County
All 67 Florida counties
Each county page lists Medicare-certified hospitals and nursing homes with CMS ratings, 2026 cost examples with and without a Medigap plan, a cost calculator that uses your own quotes and free local Medicare help.
Looking for a smaller town or community? The Florida communities A–Z directory lists all 878 cities, towns and communities by name, with the county each one belongs to.
Florida Medicare Supplement FAQs
How much does a Medicare Supplement plan cost in Florida?
For a non-tobacco 65-year-old woman, the median Plan G rate on file with the Florida Office of Insurance Regulation runs from $241 a month in Gainesville to $361 in Miami, and Plan N runs from $180 to $278. Rates rise with age and vary by company, ZIP code and sex, so get quotes for your own ZIP code.
I’m turning 65. When should I apply for a Medigap plan?
Apply during your 6-month Medigap open enrollment period, which starts the first month you are 65 or older and enrolled in Part B. During it, companies cannot turn you down or charge more because of your health. Sign up for Part A and Part B first, during your 7-month Initial Enrollment Period.
Where can I buy a reliable Medicare Supplement plan in Florida?
Buy from a company on file with the Florida Office of Insurance Regulation, through a Florida-licensed agent or directly from the company. Check the company’s rate history and complaint record. SHINE (1-800-963-5337) and the Department of Financial Services helpline (1-877-693-5236) give free help.
Can I get a Medigap plan in Florida if I’m under 65?
Yes. Florida requires companies to offer Medigap to people under 65 who have Medicare because of a disability or end-stage renal disease, with a 6-month open enrollment period starting when Part B begins. You get a second open enrollment period at 65.
Can I switch Medicare Supplement plans later in Florida?
You can apply at any time, but Florida has no yearly switching right. Outside open enrollment and guaranteed issue situations, companies can ask health questions and decline you, so choose carefully the first time.
Can my Medigap company cancel my policy or raise my rate?
It cannot cancel your policy while you pay the premium, because Florida Medigap policies must be guaranteed renewable. It can raise rates for a whole group of policyholders, but not for you alone, and the Florida Office of Insurance Regulation must approve each increase.
Are Plans C and F still available in Florida?
Only to people who were eligible for Medicare before January 1, 2020. If you became eligible on or after that date, Plan G is the closest option, and it leaves you with only the $283 Part B deductible in 2026.
Is High-Deductible Plan G worth it in Florida?
It can be, for the right person. High-Deductible Plan G has the same benefits as Plan G, but it starts paying only after you have paid $2,950 in Medicare-approved costs in 2026, an amount Medicare sets each year. Your Part A and Part B deductibles and coinsurance count toward it. In exchange, the premium is usually much lower than regular Plan G.
It tends to suit people who are healthy, see a doctor only a few times a year and could pay the deductible from savings if a big bill came along. In a bad year, your costs for Medicare-covered care stop at the deductible. It is a poor fit if you have ongoing conditions or regular specialist visits, because you would pay most of those bills yourself. Moving from High-Deductible Plan G to regular Plan G later usually means answering health questions in Florida, so choose with the next 10 to 20 years in mind. See the High-Deductible Plan G page for details.
Does a Florida Medigap plan work if I travel or spend summers in another state?
Yes. It works with any doctor or hospital in the United States that accepts Medicare. Plans G and N also cover 80% of emergency care outside the country after a $250 deductible, up to $50,000 in your lifetime. Your premium is based on your Florida address.
Sources
- Florida Office of Insurance Regulation. Medicare Supplement Sample Rate Search [Database]. Searched October 20, 2026.
- Florida Office of Insurance Regulation (2024). 2024 Medigap Frequently Asked Questions [PDF].
- Florida Office of Insurance Regulation. Company Search. Accessed October 17, 2026.
- Florida Department of Financial Services. Licensee Search. Accessed October 17, 2026.
- Centers for Medicare & Medicaid Services. (2026). Medicare Monthly Enrollment [Data set], June 2026 county data. Accessed October 11, 2026.
- Centers for Medicare & Medicaid Services. (2025, November 14). 2026 Medicare Parts A & B Premiums and Deductibles [Fact sheet].
- Centers for Medicare & Medicaid Services. (2025, October). Medigap High-Deductible Options for Plans F, G and J, 2026 [Announcement].
- Centers for Medicare & Medicaid Services. Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare. Medicare.gov. Accessed October 17, 2026.
- Centers for Medicare & Medicaid Services. When Does Medicare Coverage Start? Medicare.gov. Accessed October 17, 2026.
- National Association of Insurance Commissioners. Consumer Insurance Search. Accessed October 17, 2026.
- Florida Senate (2009). CS/CS/CS/SB 1022, Medicare supplement coverage for persons under 65 [Bill text].
- Florida Department of Elder Affairs. SHINE: Serving Health Insurance Needs of Elders. Accessed October 17, 2026.
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MedicareSupplementsOnly.com is owned and operated by Charles “Chuck” Lunsford, a Life & Health insurance agent licensed in Florida (License A169316, active since 1994) and in Alabama as a nonresident agent. National Producer Number (NPN): 553216.
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Content Review
Content reviewed by Charles “Chuck” Lunsford, Licensed Life & Health Agent, Florida License A169316 and Alabama, NPN 553216