If you're approaching Medicare eligibility in Texas, you've probably noticed that the monthly premium you'll pay for a Medicare Supplement plan - also called Medigap - varies enormously depending on which plan you choose, which carrier you buy it from, and when you enroll. A 65-year-old in Dallas can pay as little as $137 per month or as much as $274 per month for the exact same Plan G coverage, simply because of the carrier they chose. That $137 monthly difference is $1,644 per year - for legally identical benefits.
Texas has one of the most competitive Medicare Supplement markets in the country, with more carriers writing Medigap business here than in most other states. That competition works in your favor - but only if you know how to use it. This guide breaks down current 2026 premiums, what drives cost variation, how pricing methods affect your long-term expense, and how to get the best rate for your situation.
The same standardized Plan G benefits can cost more than $1,600 extra per year simply because of the carrier you choose.
Wilkerson Insurance Agency2026 Medicare Supplement Costs in Texas: The Quick Answer
For a 65-year-old nonsmoking woman in Texas in 2026, here are the current monthly premium ranges across the most commonly purchased Medigap plan types:
| Plan Type | Monthly Premium Range (Age 65) | Average Monthly Premium |
|---|---|---|
| Plan G | $137 - $225 | ~$163 - $191 |
| Plan N | $99 - $170 | ~$120 - $140 |
| High-Deductible Plan G | $40 - $80 | ~$61 |
| Plan F (pre-2020 enrollees only) | $175 - $275 | ~$209 |
Male rates typically run $20 - $30 per month higher than female rates for the same plan and carrier. Tobacco users may see an additional 10 - 20% surcharge depending on the carrier. Rates also vary by ZIP code within Texas, with urban markets like Dallas, Houston, and Austin seeing different pricing than rural areas. For a detailed look at how the cost picture changes as you age, our guide on Medigap costs by age covers the progression in detail.
What the Major Medigap Plans Cover in 2026
All Medigap plans are standardized by the federal government - meaning Plan G from one carrier covers exactly the same services as Plan G from any other carrier. The only differences between carriers for the same plan letter are the monthly premium, the pricing methodology, and the carrier's history of rate increases. Here's what the most popular plan letters actually cover in 2026:
How the Most Popular Plans Work
- Plan G: Plan G covers everything Medicare doesn't pay except the annual Part B deductible ($283 in 2026). After paying that deductible once per year, Plan G covers all Medicare-approved cost sharing with no copays or coinsurance. It covers the Part A hospital deductible ($1,736 per benefit period), skilled nursing facility coinsurance, Part B excess charges, and foreign travel emergencies.
- Plan N: Plan N covers the same core benefits as Plan G but introduces a $20 copay for office visits and a $50 copay for emergency room visits that don't result in hospital admission. It also does NOT cover Part B excess charges, which means you could owe a small additional amount if your doctor charges more than Medicare's approved rate.
- High-Deductible Plan G: High-Deductible Plan G (HD-G) provides the same eventual coverage as standard Plan G but requires you to pay the first $2,950 in approved cost sharing (the 2026 deductible) before the plan pays anything. In exchange, HD-G premiums run as low as $40 - $80 per month - by far the lowest premium option for Medicare Supplement coverage.
How Age Drives Your Medicare Supplement Premium in Texas
Medicare Supplement premiums in Texas are not fixed at your age-65 rate. They rise as you get older - and how they rise depends on the pricing method your carrier uses. In Texas, premiums can increase with age under attained-age pricing, or they can be locked to your age at issue. Understanding this is critical for long-term cost planning. Here is how Plan G premiums in Texas typically progress by age:
| Age | Typical Plan G Monthly Range | Approximate Annual Cost |
|---|---|---|
| 65 | $137 - $225 | $1,644 - $2,700 |
| 68 | $155 - $255 | $1,860 - $3,060 |
| 70 | $170 - $280 | $2,040 - $3,360 |
| 73 | $190 - $305 | $2,280 - $3,660 |
| 75 | $205 - $325 | $2,460 - $3,900 |
| 80 | $240 - $375 | $2,880 - $4,500 |
These figures represent market ranges across all Texas carriers, not a single carrier's rate sheet. The best rate at 65 is not always the best rate at 75 - which is why evaluating carriers on both their entry rate and their historical rate increase pattern matters.
The Three Pricing Methodologies: Why This Choice Matters More Than the Premium
Texas Medicare Supplement carriers use one of three methods to set and adjust your premiums over time. This is one of the most important - and least understood - factors in choosing a Medigap plan.
How Carriers Set Your Premium
- Attained-age pricing: Your premium is based on your current age and increases each year as you get older - independent of any general rate increase. This typically produces the lowest entry-rate premiums at 65, but the cumulative cost over 10 - 15 years of retirement can exceed what you'd pay under a different pricing method. Most Texas carriers use attained-age pricing.
- Issue-age pricing: Your premium is locked to your age when you enroll and only increases based on general healthcare cost trends - not because you're getting older. Premiums start slightly higher than attained-age plans at 65 but tend to be more stable and cost-effective over a longer retirement. Fewer Texas carriers use this method.
- Community rating: Everyone in the carrier's pool pays the same premium regardless of age. Rare in Texas but worth noting if you encounter it.
A 65-year-old choosing between an attained-age Plan G at $150/month and an issue-age Plan G at $175/month should model both over a 15-year horizon before deciding. At a typical attained-age increase rate, the issue-age option often becomes the lower-cost option by age 73 - 75.
Texas Carrier Comparison: Best Plan G Rates in 2026
Because every Plan G covers identical benefits, the only reason to favor one carrier over another is price, pricing methodology, and rate-increase history. Here is how the major carriers compare for a 65-year-old nonsmoking woman in the Dallas - Fort Worth area in 2026:
| Carrier | Approx. Monthly Plan G (Age 65) | Pricing Method | Notes |
|---|---|---|---|
| Ace Property & Casualty | ~$137 - $145 | Attained-age | Lowest entry rate; strong value |
| Cigna (rebranding to HealthSpring) | ~$155 - $165 | Attained-age | Competitive; largest TX network |
| BCBS Texas | ~$162 - $192 | Attained-age | Strong brand; low complaint rate |
| Aetna | ~$175 - $195 | Attained-age | Long-term rate stability noted |
| Mutual of Omaha | ~$175 - $200 | Attained-age | Strong brand recognition |
| Humana | ~$185 - $210 | Attained-age | Perks and dental discounts available |
Texas has more carriers writing Medigap business than most states, which creates genuine competition on pricing. The gap between the cheapest and most expensive Plan G from a well-rated carrier can exceed $1,600 per year for identical coverage - making comparison shopping one of the highest-return activities a new Medicare enrollee can do. See our full Plan G vs. N for a deeper look at which plan makes more financial sense based on your healthcare usage patterns.
Want to compare Plan G and Plan N rates in your ZIP code?
We can compare available Texas carriers, pricing methods, and rate histories so you can see the real long-term trade-offs before enrolling.
When to Buy: The 6-Month Medigap Open Enrollment Window
The single most important timing decision for Medicare Supplement insurance is this: buy during your 6-month Medigap Open Enrollment Period. This window opens on the first day of the month you are both 65 or older AND enrolled in Medicare Part B - and it lasts exactly 6 months.
During this window, every carrier in Texas must sell you any Medigap plan they offer at their standard rate - no medical underwriting, no health questions, no ability to deny you or charge you more based on your health history. After this window closes, carriers can require medical underwriting, deny your application entirely, or charge you a higher rate based on health conditions. There are limited exceptions (guaranteed issue rights) but they are narrower than most people assume.
If you're weighing whether to switch from a Medicare Advantage plan to a Medigap plan, our switching to Medigap covers the timing requirements and underwriting implications carefully.
Missing your Medigap Open Enrollment window can limit your options.
After this six-month period, carriers may require medical underwriting, charge more based on health conditions, or deny an application. A timely plan review can help you compare carriers before the window closes.
Review My Enrollment Timing →Plan G vs Plan N vs HD Plan G: Which Is Cheapest Over Time?
The right choice between these three plans depends heavily on how often you use healthcare and your comfort level with cost-sharing uncertainty.
Which Plan May Fit Your Situation?
- Plan G: Plan G makes the most sense if you use healthcare frequently, have ongoing specialist relationships, or simply want maximum predictability in your out-of-pocket costs. After paying the $283 Part B deductible, every other Medicare-approved expense is covered in full.
- Plan N: Plan N makes sense if you're healthy, rarely see specialists, and have confirmed that your physicians don't charge Part B excess charges. The premium savings ($20 - $40 per month less than Plan G) add up meaningfully - but the copays and excess charge exposure can erode those savings in a year with significant healthcare utilization.
- HD Plan G: HD Plan G is the mathematically attractive choice for healthy Texans who want catastrophic protection at the lowest possible premium. At $40 - $80 per month, the $2,950 annual deductible effectively means you're self-insuring the first $2,950 in annual cost-sharing and letting the plan cover everything beyond that. Over a year with minimal healthcare use, it's often the lowest total-cost option by a significant margin.
For a comprehensive walkthrough of these three options including real dollar scenarios, our Medigap cost overview provides current market rates and enrollment guidance.
Does Medicare Supplement Cover Dental and Vision in Texas?
Standard Medicare Supplement plans do not include dental or vision coverage - they cover only what Original Medicare covers, filling the gaps in cost-sharing. If you want dental and vision coverage in retirement, those need to be added separately as standalone plans or through a Medicare Advantage plan (which is a different product with different trade-offs). Our guide on Medicare dental and vision explains your options. And if you're wondering does Medicare cover dental, the answer is more nuanced than most people expect.
Frequently Asked Questions
Get a Medicare Supplement Quote Built Around Your Situation
Medicare Supplement premiums in Texas vary enough between carriers that shopping without a broker almost always means overpaying. An independent agent can compare every carrier writing Plan G or Plan N in your ZIP code, model the attained-age vs issue-age question for your expected retirement horizon, and make sure you're enrolled before your Open Enrollment window closes.
Wilkerson Insurance Agency has been serving Medicare-eligible Texans across Farmers Branch, Dallas, Plano, Carrollton, Coppell, and throughout DFW since 2010. Our bilingual team - including Spanish-language support from licensed agent Bea Rivas - is ready to walk you through every option.
Request a Quote or call 214-501-9613 to speak with a licensed agent.
For official Medicare Supplement enrollment information and plan comparison tools, visit Medicare.gov.
Compare Your Medicare Supplement Options
Wilkerson Insurance Agency compares Texas carriers, pricing methods, and long-term rate considerations so you can choose a Medigap plan built around your budget and enrollment timing.
Request My Medicare Quote →