Medicare Supplement (Medigap) plans in Florida

Medicare Supplement insurance — usually called Medigap — is private coverage that pairs with Original Medicare (Parts A and B). Instead of replacing Medicare, it fills the gaps: the deductibles, copayments and coinsurance you’d otherwise pay yourself. You then add a standalone Part D drug plan for prescriptions. The Florida Office of Insurance Regulation regulates the policies; the benefits inside each plan letter are set federally; the pricing rules are Florida’s own.

How Medigap is different from Advantage

Issue-age rating: the Florida rule that decides your price

Most states let insurers use attained-age rating, where your premium climbs every year simply because you are a year older. Florida prohibits it. Every Florida Medigap policy is issue-age rated: the premium is set by the age at which you buy, and it can rise only through the carrier’s filed, across-the-board increases — never because your birthday came around. Two consequences follow. A policy bought at 65 is priced at 65 forever, so buying early and holding on is rewarded. And because insurers price that promise in, and Florida’s claims costs are high, Florida premiums run well above most states’ at the start. If you moved here with an attained-age policy from another state, ask us to compare; the math is not obvious.

The plans Floridians actually buy

Plan G covers everything Original Medicare leaves behind except the Part B deductible ($283 in 2026). Plan N costs less in exchange for small office and emergency copays and no coverage of Part B excess charges. High-deductible Plan G has a much lower premium and a deductible you pay first, and it is popular in Florida precisely because standard premiums are high. Plan F still exists for people who were eligible before 2020 but cannot be sold to anyone newer.

When you can buy one without health questions

• Your six-month open enrollment. It starts the month you are 65 or older and enrolled in Part B. During it, every plan a company sells is guaranteed available regardless of health.
• Under 65 on disability or ESRD. Since 2009 Florida gives people under 65 their own six-month guaranteed-issue window when they enroll in Part B, and insurers must offer at least one plan. Premiums for under-65 buyers can differ from seniors’ but must be the same for everyone under 65. A fresh open enrollment for every plan arrives at 65.
• Guaranteed-issue events. Losing an Advantage plan or employer coverage through no fault of your own gives you a window (generally 63 days) to buy certain plans without underwriting. AvMed’s exit and the 2026 county cuts triggered this for many Floridians.
• Outside those windows, Florida insurers can use medical underwriting, and Florida has no birthday rule, anniversary rule or annual Medigap window. Switching later usually means answering health questions.

Compare the rate history, not just the first-year price

Because the benefits are standardized and the rating method is fixed by law, the only real differences between Florida Medigap companies are what they charge and how steeply they raise it later through filed increases. That second part is public: every carrier files its rate increases with the Office of Insurance Regulation, and a policy that looks cheap at 65 can be the expensive one by 75. We publish that filing history on our research site, Florida Medigap rate history, with each figure tied to the filing it came from. If your premium has already gone up and you want to know why, why Medigap premiums increase covers the three causes.

Who Medigap tends to suit

People who want maximum freedom to choose doctors and hospitals — Mayo, Moffitt, Cleveland Clinic and UHealth without a network question — predictable costs, and coverage that travels. That last point is why so many Florida snowbirds and part-year residents keep a supplement despite the premium. The cost is a monthly premium that, in Florida, rises only with the carrier’s filings.