Medicare Supplement Rates in Florida
With a large senior population, Florida has a competitive market for Medicare Supplement plans. Most carriers in Florida use an attained-age rating system, meaning your premiums will increase as you get older. Fortunately, Florida's birthday rule offers a unique opportunity to switch Medigap plans annually without medical underwriting.
Florida Average Monthly Rates (Age 65, Female Non-Smoker)
Birthday Rule State
Florida's birthday rule allows you to switch Medicare Supplement plans without medical underwriting for 30 days following your birthday. You can choose a plan with equal or lesser coverage than your current plan.
Florida Medicare Supplement Rates by Carrier
Florida carrier rates — click headers to sort
Carrier | Plan G | Plan N | Plan F | Rating |
|---|---|---|---|---|
| Aetna | $151/mo | $116/mo | $181/mo | A |
| Aflac | $139/mo | $106/mo | $167/mo | A+ |
| CIGNA | $143/mo | $109/mo | $172/mo | A |
| Humana | $155/mo | $119/mo | $186/mo | A- |
| Best ValueMedico | $132/mo | $99/mo | $160/mo | A |
| Mutual of Omaha | $148/mo | $114/mo | $178/mo | A+ |
| Best ValueUnited American | $134/mo | $102/mo | $162/mo | A |
| UnitedHealthcare (AARP) | $168/mo | $129/mo | $202/mo | A+ |
Rates are estimates for a 65-year-old female non-smoker. Actual rates vary by age, gender, and tobacco status.
💰 Florida Savings Tip
Since Florida Medigap plans are usually attained-age rated, your premiums will likely increase over time. Take advantage of Florida's birthday rule to shop around and potentially save money each year.
Quick Savings Estimator
Enter your current monthly premium to see your potential savings.
How to Switch Medicare Supplements in Florida
Florida offers a unique 'birthday rule' that allows you to switch Medicare Supplement plans without medical underwriting during a specific window each year.
Compare rates
See what other carriers charge for the exact same plan
Apply with new carrier
Simple application, often approved same day
Cancel old policy
Once new coverage starts, cancel your old plan
Florida Medicare Supplement Plans
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