by Russell Noga | Updated October 6th, 2026
You can buy Medicare Supplement insurance in Washington State if you are enrolled in Original Medicare Parts A & B.
Medigap plans have standardized benefits, from basic to near-complete coverage. Depending on the plan you choose, you can cover almost all of the out-of-pocket costs Original Medicare leaves behind.
Washington State also has some of the strongest Medigap consumer protections in the country, including community-rated premiums and the right to switch plans at any time without medical underwriting. The most popular plans are G and N, plus F for people eligible for Medicare before 2020.
This guide covers the best Medicare Supplement plans in Washington State for 2027, which companies have been most competitive on Plans G, N and F, and how Washington’s rules work in your favor.
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Washington’s Medigap Switching Rule: Change Plans Any Time
Washington is one of just a handful of states that let you switch Medigap plans at any time of year without medical underwriting. That means the insurance company cannot turn you down or charge you more because of your health when you switch.
Under Washington law:
- If you have Plan A, you can switch to any other company’s Plan A.
- If you have any plan from B through N, you can switch to any other plan from B through N.
That makes it easy to shop your rate every year. If another company offers the same coverage for less, you can move without worrying about health questions. Plans C and F are still only available to people eligible for Medicare before 2020.
Washington also requires Medigap premiums to be community-rated, so insurers cannot charge you more just because you are older. Note that Washington does not require insurers to sell Medigap to people under 65 who are on Medicare due to a disability, so options for under-65 enrollees are limited.
The Best Companies for Medicare Supplement Plans in Washington State
Medicare Supplement plans for 2027 are sold by private insurance companies in Washington State, with 20 companies offering Medigap in the state for 2026, though not all serve every county. Each sets its own premium for the same coverage, so it pays to compare.
Companies that have offered competitive Medigap rates in Washington include:
- Cigna
- GPM Health and Life
- Globe Life
Humana- Mutual of Omaha
- Premera
- Regence
In our earlier rate check, Premera had the lowest Plan G premium and Cigna had the lowest Plans F and N:
- Plan G – Premera
- Plan F – Cigna
- Plan N – Cigna
Rates change every year, so check current quotes before you decide.
Medicare Supplement Plan G in Washington State
In our earlier rate check, 12 companies offered Medigap Plan G in Washington State, with an average monthly premium of about $158.50.
Premera was the most affordable at about $120.50 per month, and UnitedHealthcare was the most expensive at about $206.30, a difference of roughly $85 per month for identical coverage.
Example monthly Plan G premiums from that rate check, for a 65-year-old female nonsmoker (see current Plan G rates in Washington):
- Premera: $121
- Cigna: $185
- Regence: $188
- UnitedHealthcare: $206
What Does Plan G Cover?
Plan G is the most popular plan for people new to Medicare. You get near-complete coverage, and your only out-of-pocket cost is the Part B deductible ($283 in 2026).
- Part A coinsurance and hospital costs for up to 365 extra days after Medicare benefits run out
- Part B coinsurance or copayments
- Blood (first 3 pints)
- Part A hospice care coinsurance or copayments
- Skilled nursing facility coinsurance
- Part A deductible
- Part B excess charges
- 80% of foreign travel emergency care (up to plan limits)
Medicare Supplement Plan F in Washington State
In our earlier rate check, 12 companies offered Plan F in Washington State, with an average premium of about $227.77.
Cigna was the least expensive at about $148.60 per month, and also offered high-deductible Plan F for about $69.51 per month. High-deductible Plan F has a much lower premium, but you pay a yearly deductible first, which is $2,950 in 2026.
UnitedHealthcare was the most expensive for Plan F at about $255.80 per month, about $107 more than Cigna.
Example Plan F premiums from that rate check:
- Cigna: $149
- Humana: $226
- UnitedHealthcare: $256
What Does Plan F Cover?
Plan F is the most comprehensive Medigap plan. You must have been eligible for Medicare before January 1, 2020, to buy it.
Plan F and Plan C are the only plans that cover the Part B deductible, and Plan F has some of the highest premiums.
- Part A coinsurance and hospital costs for up to 365 extra days after Medicare benefits run out
- Part B coinsurance or copayments
- Blood (first 3 pints)
- Part A hospice care coinsurance or copayments
- Skilled nursing facility coinsurance
- Part A deductible
- Part B deductible
- Part B excess charges
- 80% of foreign travel emergency care (up to plan limits)
Medicare Supplement Plan N in Washington State
In our earlier rate check, 11 companies offered Plan N in Washington, with an average premium of about $164.70. Cigna had the lowest Plan N premium at about $136 per month, and Premera was the most expensive at about $184.50.
Example monthly premiums for Plan N in Washington from that rate check, for a 65-year-old female nonsmoker:
- Cigna: $136
- Regence: $145
- UnitedHealthcare: $169
- Premera: $185
What Does Plan N Cover?
Plan N is a strong budget choice for people who want a lower premium and do not visit the doctor often.
You pay copays of up to $20 for some office visits and up to $50 for ER visits that do not end in admission.
- Part A coinsurance and hospital costs for up to 365 extra days after Medicare benefits run out
- Part B coinsurance (except the small copays above)
- Blood (first 3 pints)
- Part A hospice care coinsurance or copayments
- Skilled nursing facility coinsurance
- Part A deductible
- 80% of foreign travel emergency care (up to plan limits)
Plan N does not cover the Part B deductible or Part B excess charges billed by doctors who charge more than the Medicare-approved amount.
What Do Plans F, G, & N Not Cover?
No Medigap plan covers prescription drugs, long-term custodial care in a nursing home, or private-duty nursing. Medigap also does not cover care Medicare does not consider medically necessary, such as routine acupuncture, chiropractic maintenance or other non-covered services.
Medigap plans do not cover routine vision, dental or hearing care, but some companies sell separate plans for these for an extra monthly premium.
Others offer discounts on these services through partner networks.
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Other Medicare Supplement Plans in Washington State
Other Medigap plans do not offer the same coverage as Plans F, G and N, but they still give solid protection for your out-of-pocket costs.
In our earlier rate check, UnitedHealthcare had competitive rates on several of these plans. Example premiums for a 65-year-old nonsmoking woman:
- Plan A – UnitedHealthcare: $147.00
- Plan B – UnitedHealthcare: $216.25
- Plan C – UnitedHealthcare: $254.50
- Plan K – UnitedHealthcare: $68.00
- Plan L – UnitedHealthcare: $149.25
Washington Medicare Supplement Plans in 2027
Medigap benefits are set by federal law, so each plan letter covers the same things in 2027 as today. What can change are premiums, which each company files with the Washington Office of the Insurance Commissioner, and the Medicare deductibles, which Medicare announces later in the fall.
Losing your Medicare Advantage plan for 2027? If your plan is leaving Medicare or stops serving your area, you generally have a guaranteed issue right to buy certain Medigap plans without medical underwriting. The right generally ends 63 days after your Medicare Advantage coverage ends.
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Frequently Asked Questions
What are Medicare Supplement Plans, and how do they work in Washington State?
Medicare Supplement plans, or Medigap, are private insurance policies that work alongside Original Medicare. In Washington State they help cover out-of-pocket costs such as deductibles, copayments and coinsurance, and you can see any provider that accepts Medicare.
How many Medicare Supplement Plans are available in Washington State?
Washington State offers the ten standardized Medigap plans: A, B, C, D, F, G, K, L, M and N. Every insurer must offer Plan A. Plans C and F are only available to people eligible for Medicare before January 1, 2020.
What are the most popular Medicare Supplement Plans in Washington State for 2027?
Plan G is the most popular choice for people new to Medicare because of its comprehensive coverage, including Part B excess charges. Plan N is a popular lower-premium alternative.
Can I switch Medicare Supplement plans in Washington State without health questions?
Yes. Washington lets you switch Medigap plans at any time without medical underwriting. If you have Plan A you can switch to another Plan A, and if you have any plan from B through N you can switch to any other plan from B through N.
Are Medicare Supplement Plans in Washington State guaranteed issue?
In several situations, yes. Medicare Supplement plans in Washington State are guaranteed issue during your Medigap Open Enrollment Period, which starts when you are both 65 or older and enrolled in Part B, when you switch between Medigap plans under Washington’s switching rule, and in federal guaranteed issue situations such as your Medicare Advantage plan ending.
How do I choose the best Medicare Supplement Plan in Washington State for my needs?
Weigh your healthcare needs and budget, choose the plan letter that fits, then compare that same plan across companies. Because Washington lets you switch plans later, you can also re-shop your rate each year.
How are Medicare Supplement Plan premiums calculated in Washington State?
Washington requires Medicare Supplement premiums to be community-rated, so insurers cannot charge you more because of your age. Premiums still vary by company, plan, location and tobacco use.
Are prescription drugs covered under Medicare Supplement Plans in Washington State?
No. Medicare Supplement plans do not cover prescription drugs. For drug coverage, enroll in a separate Medicare Part D plan.
Can I buy a Medicare Supplement Plan in Washington State if I am under 65?
It is limited. Washington does not require Medigap insurers to sell plans to people under 65 who are on Medicare due to a disability, so only some companies offer coverage. Call us and we will check which options are available to you.
Can I enroll in a Medicare Supplement Plan in Washington State if I have a pre-existing condition?
In many cases, yes. You can enroll in a Medicare Supplement plan in Washington State with a pre-existing condition during your Medigap Open Enrollment Period, in other guaranteed issue situations, or when switching between Medigap plans under Washington’s switching rule. In those cases insurers cannot deny you or charge more because of your health.
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Finding the right Medicare plan with the best benefits for you doesn’t have to be confusing. Whether it’s a Medigap plan or you have questions about Medicare Advantage or Medicare Part D, we can help.
Call us today at 1-888-891-0229 and one of our knowledgeable, licensed insurance agents will be happy to assist you!
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Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.