Medicare Supplement Plan F in Washington
Plan F covers every Medigap benefit, including the Part B deductible. It's closed to anyone first eligible for Medicare on or after January 1, 2020, and its premiums show it.
- Insurers selling it in WA
- 15
- Lowest monthly premium
- $257
- Middle (median) premium
- $392
- Highest monthly premium
- $514
- Yearly gap, lowest to highest
- $3,084
Who can buy Plan F
Only people first eligible for Medicare before January 1, 2020. If you qualify, you can still apply, but you'll face health questions unless you're in a guaranteed-issue situation or using Washington's switching right.
Why Plan F premiums keep climbing
No new 65-year-olds can join Plan F, so each insurer's Plan F pool gets older and smaller every year. Washington's community rating means the whole pool shares those rising costs. That's why Plan F premiums on the state chart sit well above the same insurers' Plan G.
Should you switch from Plan F to Plan G?
Plan F pays the Part B deductible ($283 in 2026); Plan G doesn't. Everything else is identical. If your Plan F costs more than $283 a year above the Plan G you could buy, you'd save by switching.
In most states, switching means passing medical underwriting. In Washington, anyone with Plan F can switch to any insurer's Plan G at any time with no health questions. Our switching guide explains how to do it without a gap in coverage.
Plan F prices from Washington insurers
Medicare Supplement Plan F, 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 |
|---|---|---|---|---|
| First Health Life & Health | $257 | $3,084 | All 39 counties | October 1, 2026 |
| Insurance Company of North America | $329 | $3,948 | All 39 counties | New on chart |
| Bankers Reserve Life Insurance Co of Wisconsin | $336 | $4,032 | All 39 counties | April 1, 2026 |
| USAA USAA eligibility required | $343 | $4,116 | All 39 counties | August 1, 2026 |
| Regence BlueCross BlueShield of Oregon | $351 | $4,212 | 1 counties | January 1, 2026 |
| United American Insurance Company | $356 | $4,272 | All 39 counties | January 15, 2026 |
| Medco Containment Life | $377 | $4,524 | All 39 counties | August 1, 2026 |
| UnitedHealthcare Insurance Company AARP membership required | $392 | $4,704 | All 39 counties | June 1, 2026 |
| Washington National Insurance Company | $396 | $4,752 | All 39 counties | September 1, 2026 |
| Regence BlueShield | $401 | $4,812 | 22 counties | April 1, 2026 |
| State Farm Insurance sold through State Farm agents | $413 | $4,956 | All 39 counties | May 1, 2026 |
| HumanaDental Insurance Company | $424 | $5,088 | All 39 counties | February 1, 2026 |
| Asuris Northwest Health | $476 | $5,712 | 16 counties | April 1, 2026 |
| United World Life Insurance Company | $501 | $6,012 | All 39 counties | August 1, 2026 |
| GPM Health & Life | $514 | $6,168 | All 39 counties | February 1, 2026 |
Not every insurer sells everywhere. 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 F covers next to other plans
| Benefit | F | G | N | A |
|---|---|---|---|---|
| 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 F in Washington?
On the OIC chart current as of October 8, 2026, the lowest Plan F premium among the insurers we compare is $257 a month from First Health Life & Health.
Does my age change the Plan F 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 F in Washington?
15 insurers have an approved Plan F premium on the current OIC chart. Some sell only in certain counties.
Can I still buy Plan F?
Only if you were first eligible for Medicare before January 1, 2020. People who became eligible on or after that date cannot buy Plans C, F or high-deductible F.