Worried you will pick a Medigap plan in Texas and still get surprised by medical bills in 2026? Yes, that can happen, but only when you do not understand what your premium actually covers, what it does not, and how Texas pricing works.
If you are feeling uneasy about unpredictable out of pocket costs, I want you to know you are not overthinking it. Original Medicare (Parts A and B) leaves real gaps, and those gaps can hit at the worst time, a hospital stay, outpatient surgery, skilled nursing, or repeated specialist visits. That is exactly why many North Texas seniors start looking at Medicare Supplement (Medigap) plans, they want steadier, more predictable protection.
Here is what this blog will help you understand:
- What 2026 Medicare Supplement costs in Texas typically look like for Plan G, Plan N, and High Deductible Plan G
- Why your quote can be higher or lower based on age, ZIP code, tobacco status, and pricing method
- How attained age vs issue age vs community rated pricing changes your long term cost
- The best time to buy during your 6 month Medigap Open Enrollment window to avoid underwriting
- Real, practical ways to lower premiums in North Texas without guessing
If you want predictable protection without the stress, you are in the right place, because the “best plan” is the one that fits your budget and your real life.
What Are the Average Medicare Supplement Insurance Costs in Texas in 2026?
Here is the straightforward answer: in 2026, most Dallas area seniors I quote land in these monthly premium ranges:
- Plan G: about $130 to $250 per month
- Plan N: about $95 to $175 per month
- High Deductible Plan G: about $40 to $70 per month, but you take on a large deductible first
Why those ranges matter is simple: in 2026 your Part B deductible is $283 and your Part A hospital deductible is $1,736 per benefit period. Medigap is designed to make those “surprise” costs more predictable. For the official confirmed figures, you can verify them at Medicare.gov official cost details.
Below is a practical Dallas and Farmers Branch style snapshot for ZIP 75234. These are sample quote ranges for a 65 year old, non tobacco applicant. Your exact rate depends on carrier, rating method, and household factors (we will cover those next).
| Plan (2026) | Typical monthly premium range (TX) | Sample ZIP 75234 range (65F / 65M, non tobacco) | What you are mainly buying |
| Plan G | $130 to $250 | $125 to $190 / $135 to $205 | Broad gap protection for Part A and B cost sharing (except Part B deductible) |
| Plan N | $95 to $175 | $95 to $160 / $105 to $175 | Lower premium, small copays in exchange |
| High Deductible Plan G | $40 to $70 | $40 to $65 / $45 to $70 | Very low premium, but you pay costs up to the annual deductible first |
Plan G Costs in Texas: Most Popular and Comprehensive
Plan G is the “set it and forget it” choice for many North Texas clients who want strong protection and fewer surprise bills. In 2026, a common real world range is $130 to $250 per month, with many Dallas area 65 year old non tobacco quotes falling around $125 to $190 for females and $135 to $205 for males. If you want to compare your options side by side, our Medicare Supplement Plans page is a good starting point.
Plan G typically makes sense when you want your biggest exposures (hospital deductibles, coinsurance, skilled nursing coinsurance, and most Part B cost sharing) handled consistently, while you personally cover the Part B deductible ($283 in 2026).
Plan N Costs in Texas: The Smart Budget Alternative
Plan N is often the “I want solid coverage, but I also want a lower monthly premium” option. In Texas, it is common to see Plan N run $95 to $175 per month, often $30 to $60 less per month than Plan G. For a detailed breakdown of how these two plans differ, read our Plan G vs Plan N Texas comparison guide.
The tradeoff is that Plan N can include small copays for certain visits and may not cover some Part B excess charges (depending on provider billing). If you are comfortable with a little cost sharing in exchange for a lower premium, Plan N is worth a serious look, especially for healthy retirees who mainly want protection from the big stuff.
High Deductible Plan G: Only $40 to $70 Per Month in Texas
High Deductible Plan G can be an excellent fit if you want catastrophic style protection with a very low premium. In 2026, the high deductible amount is $2,950 before the plan pays benefits.
Here is the simplest “break even” way I explain it at the table:
- If High Deductible Plan G saves you, say, $120 per month compared to Plan G, that is $1,440 per year in premium savings.
- You are taking on the possibility of paying up to $2,950 before the plan kicks in.
A natural example: I recently walked a healthy Farmers Branch couple through this exact decision. They liked the lower premium, but once we ran the numbers against a possible outpatient surgery year, they chose standard Plan G because they wanted steadier cash flow. The “best” plan is the one that fits your risk comfort, not just the cheapest premium.
Not sure which plan fits your 2026 budget after seeing these ranges? You can also explore how understanding Medigap helps fill costly Medicare gaps, and if you want a no obligation quote, call our Farmers Branch team at 214-501-9613.
What Personal Factors Most Affect Your Medicare Supplement Rates in Texas?
This is where most people get frustrated, because two neighbors can pick the same plan letter and still get different premiums.
In Texas, the biggest drivers of your Medigap rate usually include:
- Age at enrollment (65 vs 75 is a major difference)
- Tobacco use (often materially higher)
- Geographic area (Dallas metro can price differently than other regions)
- Gender (some carriers price differently)
- Household discounts and payment method discounts
- Medical underwriting (only if you are outside guaranteed issue windows)
A simple example: if you enroll at 65 versus waiting until 75, you are not just “10 years older.” You have usually missed the lowest entry pricing window and may face underwriting depending on timing. Our resource on how your age affects Medicare supplement premiums walks through this in plain terms.
Quick checklist: 5 factors that raise or lower your rate
- Age when you apply
- Tobacco status
- ZIP code and rating region
- Carrier discount programs (household and EFT)
- Whether you are applying during a protected enrollment window
Attained Age vs Issue Age vs Community Rating: Which Pricing Method Saves You the Most Over 10 Years?
If you only remember one thing from this section, remember this: the plan letter controls benefits, but the pricing method often controls your long term cost trend.
Medigap policies generally use one of three pricing methods:
- Attained age rated: premium tends to rise as you age
- Issue age rated: premium is based on the age you buy; it will not increase just because you get older
- Community rated: everyone pays the same regardless of age (age does not drive the rate)
Medicare’s official Medigap guidance encourages consumers to ask carriers which pricing method they use, because it changes how premiums move over time. You can review the official details at the CMS Medigap overview on Medicare.gov, which explains how plan standardization and pricing methods work together.
Here is a practical 10 year projection table for a 65 year old in Coppell (illustrative, not a promise). I use something like this to help you choose with your eyes open:
| Pricing method | Year 1 premium pattern | Typical 10 year risk | Best for |
| Attained age | Often lowest starting price | Can climb more noticeably as you age | Short term savings focus, but you monitor rate history closely |
| Issue age | Usually higher starting price than attained age | More stable age related trend | People who value predictability over cheap today |
| Community rated | Often middle of the road | Age does not drive premium | People who want simplicity and less age driven volatility |
From my experience, the “saves you the most” answer depends on how long you expect to keep the plan, and whether the carrier has a history of reasonable increases. If you want, we can run a carrier by carrier comparison for your ZIP so you are not guessing.
The Best Time to Buy Medigap in Texas: Your 6 Month Open Enrollment Window
If you were sitting across the table from me, this is what I would explain very clearly: the best time to buy Medigap is when you have the most protection from underwriting.
Your Medigap Open Enrollment Period is a 6 month window that starts when you are 65 or older and enrolled in Medicare Part B. During this time, insurers generally cannot use health questions to deny you or charge more because of your medical history.
This is the single biggest reason many seniors act promptly once Part B starts. If you miss it, you may still be able to apply later, but underwriting rules can apply depending on your situation.
Before you move forward, our Texas Medicare Supplement guide without the jargon covers timing rules in plain language, because one missed window can quietly limit your options later.
How to Lower Your Medicare Supplement Insurance Costs in Texas Right Now
You deserve predictable protection without the stress, and part of that is not overpaying for the same standardized benefits.
Here are three savings approaches that often work in real life:
Ask about household discounts
Some carriers reduce premiums if you live with another adult (often a spouse) who also has coverage.
Use electronic funds transfer or automatic payment discounts
Not every carrier offers it, but when they do, it is an easy “no lifestyle change” savings lever.
Check if you qualify for help programs (when appropriate)
For some seniors with limited income and assets, the Medicare Savings Program (including QMB) may help with Medicare costs. It will not “magically” pay for everything, but it can materially reduce pressure for qualifying households. (Eligibility is specific, so we confirm it carefully.)
You may also want to explore adding vision and dental to your Medicare plan as a way to build more complete coverage without significantly raising your overall monthly spend.
Over the last year, we helped multiple Farmers Branch clients reduce annual premium spend simply by switching to a carrier with a better household discount and a more stable rate pattern, without changing the standardized plan letter benefits.
Top Medigap Carriers in North Texas 2026: Who Actually Delivers in Farmers Branch?
Let us keep this honest: a “top carrier” is not just a logo. For you, it is about rate stability, customer service, clean underwriting rules, and real discounts.
In North Texas, you will commonly see seniors compare carriers like Mutual of Omaha, AARP Medicare Supplement Insurance plans (UnitedHealthcare Insurance Company), and Blue Cross and Blue Shield of Texas.
As an independent agency, our role is to compare options across carriers rather than pushing only one. That matters because benefits are standardized, but premium pricing and increases are not.
Here is a simple comparison framework I use in meetings:
| Carrier | What we look at | Why it matters to you |
| Mutual of Omaha | Rate competitiveness plus service experience | Keeps premiums reasonable while staying easy to work with |
| AARP/UHC | Brand familiarity plus plan administration | Helpful if you value established systems and support |
| BCBS of Texas | Regional strength plus provider familiarity | Some clients prefer a well known Texas presence |
Why Local Independent Agents Like Wilkerson Insurance Agency Make the Difference
You might be thinking, “Medigap benefits are standardized, so does the agency really matter?” Yes, it matters, because what you are actually choosing is not just a plan letter, it is a carrier, a pricing method, and a long term cost path. That is where our work makes the difference.
- Multi Carrier Shopping: We compare multiple major Medigap carriers for your ZIP code so you can see real premium differences, not assumptions based on brand names.
- Pricing Method Guidance: We explain attained age, issue age, and community rated pricing in plain terms, so you understand what affects your premium over time.
- Enrollment Timing Protection: We help you align enrollment with your Open Enrollment window to avoid unnecessary medical underwriting and reduce approval risk.
- Plan Fit Review: We match Plan G, Plan N, or High Deductible Plan G to your budget comfort and doctor visit patterns, so the plan works in real life, not just on paper.
- Ongoing Support After Enrollment: We stay available for rate notices, carrier changes, and coverage questions, so you are not left figuring it out alone after the policy starts. If you ever consider switching from Medicare Advantage, our guide on how to switch from Medicare Advantage to Medigap in Texas explains the process clearly.
Frequently Asked Questions
How much does Medicare supplement insurance cost per month in Texas in 2026?
Most North Texas quotes fall in these ranges: Plan G $130 to $250 per month, Plan N $95 to $175 per month, and High Deductible Plan G $40 to $70 per month. Your ZIP code, age, tobacco status, and carrier pricing method can move the number.
Is Plan G or Plan N cheaper in Texas?
Plan N is usually cheaper by about $30 to $60 per month. You trade that savings for small copays and potential exposure to Part B excess charges in some cases.
What is the deductible for High Deductible Plan G in 2026?
The 2026 deductible is $2,950. You pay Medicare approved cost sharing up to that amount before the plan begins paying like standard Plan G.
Do Medigap premiums increase every year in Texas?
They can. Increases depend on the carrier, healthcare cost trends, and whether your plan is attained age rated (age based increases) or uses a different pricing method.
Can I get Medigap if I have pre existing conditions?
Yes, best case is during your 6 month Medigap Open Enrollment Period after Part B starts. Outside that window, you may face medical underwriting, depending on your situation.
Does the Medicare Savings Program help pay Medigap premiums?
Sometimes, but not always. Programs like QMB mainly help with certain Medicare costs for eligible seniors. Whether it helps your Medigap premium depends on your eligibility and the specific program rules.
Conclusion
If you take nothing else from this, take this: Medicare supplement insurance costs in Texas are very manageable when you choose the right plan letter and the right carrier for your ZIP, your timing, and your long term comfort. In 2026, the “right” choice usually comes down to how much predictability you want (Plan G), how much premium you want to save (Plan N), or whether you prefer low premiums with higher risk (High Deductible Plan G).
You do not have to figure this out alone. Call Wilkerson Insurance Agency in Farmers Branch at 214-501-9613, or start with our Request a Quote form to schedule a free 15 minute Medigap cost review. We put your needs first, just like we have since 2010.
