Medicare Supplement Cost in Washington
2026 Medigap Plan G, N & F rates for Washington residents — age 65+
Non-tobacco rates. Tobacco users pay 10–20% more. Part B premium ($185/mo in 2026) is separate.
Washington Medigap Premium Calculator
Medigap Plan Comparison — Washington 2026
Age 65, non-tobacco. Annual Part B premium ($185/mo) is additional and the same for all plans.
| Plan | What It Covers | Monthly | Annual |
|---|---|---|---|
| Plan G | Most popular — covers all except Part B deductible | $155/mo | $1,860/yr |
| Plan N | Lower premium — $20 office copay, $50 ER copay | $122/mo | $1,464/yr |
| High-Ded. Plan G | $2,800 deductible before coverage; very low premium | $43/mo | $521/yr |
| Plan K | 50% cost-share; lower premium, higher out-of-pocket | $70/mo | $837/yr |
| Plan L | 75% cost-share; moderate premium | $93/mo | $1,116/yr |
| Plan F (grandfathered) | Full coverage incl. Part B deductible — not for new enrollees after 2020 | $183/mo | $2,195/yr |
Medicare Supplement in Washington: Key Facts
Washington State Medigap rates are slightly above the national average, reflecting Seattle's higher cost of living. Washington follows standard federal Medigap enrollment rules. Washington's SHIBA program provides some of the best-staffed Medicare counseling in the nation.
Buying Tips for Washington
Washington's SHIBA (Statewide Health Insurance Benefits Advisors) provides free Medicare counseling — call 1-800-562-6900. Washington has no state income tax, making Social Security and Medicare benefit coordination simpler for tax planning. Compare Premera Blue Cross, Regence BlueShield, and major national carriers — all compete actively in Washington's market.
Plan G Premium by Age in Washington
Attained-age pricing (most common): premiums increase as you age. Community-rated plans (MA, NY, CT) do not increase with age.
Washington Pricing Model: Attained-Age
Washington Medigap plans typically use attained-age pricing — premiums increase as you get older. A Plan G policyholder paying $155/month at 65 can expect to pay approximately $279/month at age 80. Beyond comparing today's premium, check each insurer's track record for annual rate increases — some carriers consistently raise rates 5–8%/year while others are more stable.
What Medigap Covers — and What It Doesn't
Plan G Covers in Washington
- ✓ Part A hospital coinsurance (365 days beyond Medicare)
- ✓ Part B coinsurance / copayments (100%)
- ✓ Part A hospice care coinsurance
- ✓ Skilled nursing facility coinsurance
- ✓ Part A deductible ($1,676 in 2026)
- ✓ Foreign travel emergency (80%)
NOT Covered by Any Medigap
- ✗ Prescription drugs (need separate Part D — $0–$100/mo)
- ✗ Dental, vision, and hearing
- ✗ Long-term care / nursing home stays
- ✗ Routine physical exams beyond Medicare
- ✗ Cosmetic procedures
- ✗ Part B deductible ($240 in 2026 — Plan G)
Medigap works alongside Original Medicare (Parts A & B). You still need a separate Part D plan for prescription drugs and may want separate dental/vision coverage.
Compare Medicare Supplement Plans in Washington
Medigap coverage is federally standardized — Plan G is Plan G everywhere. The ONLY difference between carriers is price and service. Compare all Washington carriers to find the lowest rate for identical coverage.
Frequently Asked Questions
How much does Medicare Supplement insurance cost in Washington?
Medicare Supplement Plan G in Washington costs approximately $155/month for a 65-year-old non-tobacco user. Plan N averages $122/month. Rates increase with age — at 75, expect $$229/month for Plan G. This is your Medigap premium only; the standard Part B premium ($185/month in 2026) is a separate federal charge.
What is the best Medicare Supplement plan in Washington?
Plan G is the most popular and generally the best Medigap plan for new Medicare enrollees in Washington. It covers everything except the Part B deductible ($240 in 2026), giving you predictable costs year-round. Plan N is an excellent alternative if you're healthy and comfortable with $20 office visit copays — it costs 15–20% less. High-Deductible Plan G offers the lowest premium (~$43/month) but requires paying a $2,800 deductible before benefits kick in — best for very healthy seniors.
When can I enroll in Medicare Supplement in Washington?
Washington: Standard 6-month open enrollment at 65 (federal rules). Washington SHIBA provides free Medicare counseling — 1-800-562-6900; one of the best-funded SHIP programs
Is Medicare Supplement or Medicare Advantage better for Washington residents?
Medicare Supplement works with Original Medicare — giving you access to any doctor or hospital that accepts Medicare nationwide with predictable costs. Medicare Advantage (Part C) often has $0 premium but uses HMO/PPO networks and has out-of-pocket maximums of $4,000–$8,300/year. Supplement is better for: those with frequent health needs, travelers, people who want any doctor/hospital. Advantage is better for: healthy seniors in strong-network areas who want low monthly costs and don't mind network restrictions.
How does Washington Medigap pricing work — will my premium increase as I age?
Washington Medigap plans typically use attained-age pricing — premiums increase as you get older. A Plan G policyholder paying $155/month at 65 can expect to pay approximately $279/month at age 80. Beyond comparing today's premium, check each insurer's track record for annual rate increases — some carriers consistently raise rates 5–8%/year while others are more stable.
Washington Medigap Rates
- Plan G (age 65)
- $155/mo
- Plan N (age 65)
- $122/mo
- HD Plan G (age 65)
- $43/mo
- Plan G (age 75)
- $229/mo
- + Part B premium
- +$185/mo
Compare by State
Plan G, age 65, non-tobacco