Medicare Supplement Rates in Texas
In Texas, Medigap plans are attained-age rated, meaning your premiums will increase over time as you get older. The good news is Texas has a unique "birthday rule" allowing you to switch Medigap plans annually without medical underwriting. With a large senior population and competitive insurance market, Texans have many Medigap options to explore.
Texas Average Monthly Rates (Age 65, Female Non-Smoker)
Birthday Rule State
The Texas birthday rule gives you 63 days after your birthday each year to enroll in any Medigap plan without answering health questions. This is a great opportunity to shop around and potentially save money if your current plan's rates have increased.
Texas Medicare Supplement Rates by Carrier
Texas carrier rates — click headers to sort
Carrier | Plan G | Plan N | Plan F | Rating |
|---|---|---|---|---|
| Aetna | $151/mo | $116/mo | $178/mo | A |
| Aflac | $139/mo | $106/mo | $164/mo | A+ |
| CIGNA | $143/mo | $109/mo | $169/mo | A |
| Humana | $155/mo | $119/mo | $183/mo | A- |
| Manhattan Life | $136/mo | $104/mo | $161/mo | A- |
| Best ValueMedico | $132/mo | $99/mo | $155/mo | A |
| Mutual of Omaha | $148/mo | $114/mo | $175/mo | A+ |
| Best ValueUnited American | $134/mo | $102/mo | $159/mo | A |
Rates are estimates for a 65-year-old female non-smoker. Actual rates vary by age, gender, and tobacco status.
💰 Texas Savings Tip
Because Texas Medigap plans are attained-age rated, your premiums will increase each year. Take advantage of Texas's birthday rule to shop around annually and potentially save hundreds by switching to a lower-cost plan with similar coverage.
Quick Savings Estimator
Enter your current monthly premium to see your potential savings.
How to Switch Medicare Supplements in Texas
Texas has a unique birthday rule that allows you to change Medigap plans without medical underwriting for a limited time each year. This means you can switch to a different insurance company or a different Medigap plan with the same level of coverage, regardless of your health status.
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
Texas Medicare Supplement Plans
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