Medicare Supplement Plan A in Washington
Plan A pays the core Medigap benefits only. It leaves both Medicare deductibles and skilled nursing coinsurance to you.
- Insurers selling it in WA
- 16
- Lowest monthly premium
- $155
- Lowest open to everyone 65+
- $175, First Health Life & Health
- Middle (median) premium
- $240
- Highest monthly premium
- $375
- Yearly gap, lowest to highest
- $2,640
What Plan A covers
- Part A hospital coinsurance, plus 365 more hospital days after Medicare's run out.
- The 20% Part B coinsurance.
- Hospice coinsurance and copays.
- The first three pints of blood.
What it doesn't cover: the Part A deductible ($1,736 per benefit period in 2026), the Part B deductible ($283), skilled nursing facility coinsurance, Part B excess charges and foreign travel emergencies.
The Part A deductible gap
Because the Part A deductible applies per benefit period, not per year, two separate hospital stays in one year can mean paying it twice. That single gap is the main reason most people pay a bit more for Plan G or N.
Washington's Plan A switching rule
Washington's guaranteed switching right works in two separate lanes. Anyone with Plan B through N can switch to any other Plan B through N at any time. Plan A can only be switched to another insurer's Plan A. If you might want fuller coverage later and your health could make underwriting hard, starting on Plan A locks you into the narrower lane.
When Plan A makes sense
Rarely. It can work if your budget is very tight and you want protection against the open-ended 20% Part B coinsurance, or if you're under 65 and Plan A is what's offered.
Plan A prices from Washington insurers
Medicare Supplement Plan A, monthly premium in Washington
Age 65+, monthly bank draft. Washington OIC chart current as of October 8, 2026.
| Insurer | Monthly | Yearly | Where it sells | Rate effective |
|---|---|---|---|---|
| USAA USAA eligibility required | $155 | $1,860 | All 39 counties | August 1, 2026 |
| First Health Life & Health | $175 | $2,100 | All 39 counties | October 1, 2026 |
| United American Insurance Company | $190 | $2,280 | All 39 counties | January 15, 2026 |
| HumanaDental Insurance Company | $204 | $2,448 | All 39 counties | February 1, 2026 |
| United World Life Insurance Company | $208 | $2,496 | All 39 counties | August 1, 2026 |
| UnitedHealthcare Insurance Company AARP membership required | $225 | $2,700 | All 39 counties | June 1, 2026 |
| Bankers Reserve Life Insurance Co of Wisconsin | $234 | $2,808 | All 39 counties | April 1, 2026 |
| Premera Blue Cross | $240 | $2,880 | 38 counties | April 1, 2026 |
| Regence BlueCross BlueShield of Oregon | $241 | $2,892 | 1 counties | January 1, 2026 |
| Washington National Insurance Company | $241 | $2,892 | All 39 counties | September 1, 2026 |
| State Farm Insurance sold through State Farm agents | $252 | $3,024 | All 39 counties | May 1, 2026 |
| Insurance Company of North America | $255 | $3,060 | All 39 counties | New on chart |
| Medco Containment Life | $259 | $3,108 | All 39 counties | August 1, 2026 |
| Regence BlueShield | $282 | $3,384 | 22 counties | April 1, 2026 |
| Asuris Northwest Health | $338 | $4,056 | 16 counties | April 1, 2026 |
| GPM Health & Life | $375 | $4,500 | All 39 counties | February 1, 2026 |
Not every insurer sells everywhere. Premera sells this plan in 38 counties. Regence BlueCross BlueShield of Oregon sells this plan in 1 county. Regence BlueShield sells this plan in 22 counties. Asuris sells this plan in 16 counties. Check your county page for the list that applies to you.
What Plan A covers next to other plans
| Benefit | A | G | N | F |
|---|---|---|---|---|
| Part A hospital coinsurance, plus 365 extra hospital days after Medicare benefits end | 100% | 100% | 100% | 100% |
| Part A hospice care coinsurance or copay | 100% | 100% | 100% | 100% |
| Part B coinsurance or copay (the 20%) | 100% | 100% | 100%* | 100% |
| Medicare preventive care Part B coinsurance | 100% | 100% | 100% | 100% |
| First 3 pints of blood | 100% | 100% | 100% | 100% |
| Skilled nursing facility care coinsurance | – | 100% | 100% | 100% |
| Part A deductible | – | 100% | 100% | 100% |
| Part B deductible | – | – | – | 100% |
| Part B excess charges | – | 100% | – | 100% |
| Foreign travel emergency (up to plan limits) | – | 80% | 80% | 80% |
| Yearly out-of-pocket limit | – | – | – | – |
Common questions
What is the cheapest Plan A in Washington?
On the OIC chart current as of October 8, 2026, the lowest Plan A premium among the insurers we compare is $155 a month from USAA (USAA eligibility required).
Does my age change the Plan A premium in Washington?
No. Washington requires community rating, so an insurer charges every policyholder 65 and older the same premium for the same plan. Premiums can still rise for everyone when the insurer gets a rate increase approved.
How many insurers sell Plan A in Washington?
16 insurers have an approved Plan A premium on the current OIC chart. Some sell only in certain counties.