In Florida, there are 12 Medigap plans you have the option to select. Medicare Supplement plans will guard you against high out-of-pocket costs for medical services. Enrolling in one of these plans ensures predictable medical expenses.

When aging into Medicare, choosing the right supplement is essential. Next, we’ll show how many Florida enrollees are in each letter plan, the average cost, the most popular plans, and the top Medigap carriers in Florida.

Florida Medicare Supplement enrollment per letter plan

In Florida, there are 901,389 Medicare Supplements beneficiaries, about 32.7% of the Medicare beneficiaries enrolled in a Medigap plan.

Plan A B C D F G K L M N
Enrollees 8,169 28,433 55,032 44,604 555,187 27,313 8,606 4,232 120 80,902

Florida’s most popular Medicare Supplement plans are Plan C, Plan F, & Plan N.  New beneficiaries can’t enroll in Plan C or Plan F.

Plan G is expected to become a top-three plan for Florida’s Medicare beneficiaries, and we’ll see enrollments increase for Plan G & Plan N over the next few years because of this change.

medigap enrollees per plan in florida


Medigap plans have the same coverage from state to state because the federal government standardizes Medicare Supplement benefits. Your benefits will remain the same no matter what state you live in. Only three states do not use the standard Medigap rules, Wisconsin, Minnesota, and Massachusetts.


Medigap policies vary in cost due to many different factors. Three of the most significant factors are your health, age, and the area you live, which can significantly impact your plan premiums.

Medigap open enrollment isn’t an annual period but a one-time enrollment specific to the individual beneficiary.

Enrolling during your one-time six-month Medigap open enrollment period will allow you the freedom to choose any plan with any carrier. Enrolling during this period will also allow you to forego medical underwriting.

medigap costs in florida

How much does Medigap cost in Florida?

The average cost for the top Medicare Supplement plan in Florida varies depending on the plan letter, age, and various factors. You can expect the Medigap premiums in Florida to range from $165 to $260.

Lowest Medigap premiums in Florida per letter plan

Plan A B C D F G K L M N
Premium $157 $185 $221 $201 $212 $201 $92 $143 $194 $145

Top Medigap carriers in Florida

In the example below, we’re basing the cost on a 65-year-old male in Florida. Carriers in Florida use issue age rating methods.

Carriers Plan F Plan G Plan N
New Era Life Insurance Company $212 $192 $147
Florida Blue $228 $202 $191
Continental Life Insurance Co. of Brentwood, TN $232 $219 $158
United American Insurance Company $249 $236 $159
National General $251 $225 $188

What Medigap plan in Florida is best for me

Everyone has different needs, making determining which Medicare Supplement is best for you is challenging.

Although all Medigap plans have the same coverage, some providers have more robust customer service, quick claims payment, and other vital factors to beneficiaries. Choosing a suitable carrier for your needs can be difficult, but we are here to help.

One essential item to consider is your future healthcare needs. We aren’t fortune tellers, but things like family history can make your prediction a little more accurate.

It’s essential to be realistic about how you think your health will progress because changing plans in the future will depend on your ability to pass underwriting.

While the price is essential, you don’t want to overpay for the same coverage. You should consider well-known and financially stable companies for the best experience. Considering all the factors will usually ensure you end up with a carrier providing excellent customer service.

Cities with estimated premiums for Medigap coverage

Florida has several large cities with estimated premiums for Medicare Supplement coverage. The following cities have estimates for these benefits:


How much do Medigap plans in Florida cost?

The average cost for the top Medicare Supplement plan in Florida varies depending on the plan letter, age, and various factors. You can expect the Medigap premiums in Florida to range from $165 to $260.

  • Plan F is about $234
  • Plan G is around $215
  • Plan N averages $169

Are Medigap plans expensive in Florida?

Florida is one of the more expensive states to purchase a Medigap.

Plan F is the most popular Medigap plan in Florida.

Why does Florida have state laws regulating Medicare Supplement Insurance?

Florida state and federal laws regulate Medicare Supplement Insurance to ensure all coverage plans offer the same essential benefits. This prevents Supplements from two separate insurance companies from offering drastically different coverage.

How to get help signing up for Medigap plans in Florida

We have a comprehensive list of Medigap insurance companies. We pride ourselves on making the process quick and easy to compare and even help guide you through enrollment.

Our services won’t cost you a penny, and our licensed agents specialize in Medicare. They educate you on Medicare and your coverage options and answer any questions. Complete our rate form, or give us a call to have one of our agents assist you.

Written By:
Picture of the author
Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
Picture of the expert
Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.