Medicare Supplement premiums in Florida vary by plan type, age, insurer, and zip code. Understanding how pricing works — and how to find the lowest premium for your situation — can save you hundreds of dollars per year. Here is the complete 2026 pricing guide.

Florida's Issue-Age Pricing System

Florida is one of a small number of states that require Medigap insurers to use issue-age pricing. Your premium is based on your age when you first buy the policy — not your current age. This means a 65-year-old who buys Plan G in 2026 will have a lower base premium than a 70-year-old buying the same plan, and that difference persists for life.

This makes buying Medigap early in Florida financially advantageous. Every year you delay enrollment, your starting premium is higher — and that higher base compounds over decades of coverage.

Plan G Pricing by Age in Florida (2026 Estimates)

These are approximate ranges; actual premiums vary by insurer and zip code:

  • Age 65: $120–$180/month
  • Age 67: $130–$195/month
  • Age 70: $145–$220/month
  • Age 72: $155–$235/month
  • Age 75: $175–$260/month
  • Age 80: $210–$310/month

Plan N Pricing by Age in Florida (2026 Estimates)

  • Age 65: $90–$140/month
  • Age 67: $100–$155/month
  • Age 70: $110–$170/month
  • Age 75: $135–$200/month
  • Age 80: $165–$240/month

Why Premiums Vary Between Insurers

Medigap benefits are standardized by the federal government — Plan G from Florida Blue covers exactly the same benefits as Plan G from Mutual of Omaha. The only difference is the monthly premium. Insurers price based on their claims experience, administrative costs, and profit targets. Shopping multiple carriers is essential.

How to Find the Lowest Premium

The most efficient way to find the lowest Medigap premium in your Florida zip code is to work with an independent licensed agent who represents multiple carriers. An independent agent can run a side-by-side comparison of all available carriers in seconds and identify the best price for your age and zip code.

Call (435) 612-1009 for a free Medigap premium comparison. There is no cost to you — agents are compensated by the carriers.