Medicare Supplement plans in Washington, with each insurer's real price
Every Medigap Plan G in Washington pays the same benefits. The premium is what changes: 17 insurers charge from $233 to $466 a month for it. That is a $2,796 yearly difference for identical coverage.
Medicare Supplement Plan G, monthly premium by insurer in Washington
Age 65 and older. Washington law makes each insurer charge every 65+ customer the same premium for a plan, whatever their age or ZIP code. Source: Washington OIC chart current as of October 8, 2026.
Highlighted: the lowest Plan G that any Washington applicant 65 or older can buy, First Health Life & Health at $239. Rows with a tag have conditions: the state-sponsored HCA plan has set enrollment windows, and AARP and USAA plans require membership or eligibility.
Start with where you live
Prices don't change by county in Washington, but the list of insurers does. Spokane and the eastern counties get Asuris, the west side gets Regence BlueShield, Clark County has its own Regence company and no Premera. Pick your town to see your exact list.
What makes Washington different
No age pricing
Most states let insurers raise premiums as you age. Washington requires community rating: a 66-year-old and an 86-year-old pay the same for the same plan from the same insurer.
Switch any time
If you already have Medigap Plan B through N, Washington lets you move to another Plan B through N at any time, with no health questions. In most states you'd need to pass medical underwriting.
Short waiting period
Federal rules allow a six-month wait for pre-existing conditions. Washington caps it at three months, and waives it entirely when you replace coverage you've had for three months.
The plans
Medigap plans are standardized by letter, so Plan G from one insurer covers exactly what Plan G from another covers. The most popular choices for people new to Medicare are Plan G, Plan N and high-deductible Plan G.
| Benefit | A | B | D | G | K | L | M | N | C | F |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A hospital coinsurance, plus 365 extra hospital days after Medicare benefits end | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Part A hospice care coinsurance or copay | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% | 100% | 100% |
| Part B coinsurance or copay (the 20%) | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100%* | 100% | 100% |
| Medicare preventive care Part B coinsurance | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| First 3 pints of blood | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% | 100% | 100% |
| Skilled nursing facility care coinsurance | – | – | 100% | 100% | 50% | 75% | 100% | 100% | 100% | 100% |
| Part A deductible | – | 100% | 100% | 100% | 50% | 75% | 50% | 100% | 100% | 100% |
| Part B deductible | – | – | – | – | – | – | – | – | 100% | 100% |
| Part B excess charges | – | – | – | 100% | – | – | – | – | – | 100% |
| Foreign travel emergency (up to plan limits) | – | – | 80% | 80% | – | – | 80% | 80% | 80% | 80% |
| Yearly out-of-pocket limit | – | – | – | – | $8,000 | $4,000 | – | – | – | – |
Insurers we compare
- Asuris Northwest Health
- Bankers Reserve Life Insurance Co of Wisconsin
- First Health Life & Health
- GPM Health & Life
- HumanaDental Insurance Company
- Insurance Company of North America
- Medco Containment Life
- Premera Blue Cross
- Regence BlueCross BlueShield of Oregon
- Regence BlueShield
- State Farm Insurance
- USAA
- United American Insurance Company
- United World Life Insurance Company
- UnitedHealthcare Insurance Company
- Washington National Insurance Company
- Washington State Health Care Authority Premera Blue Cross Plans