Medicare Supplement Insurance (Medigap) helps Florida seniors and eligible disabled residents cover healthcare costs not fully paid by Original Medicare, such as deductibles, copayments, and coinsurance. Florida residents may choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to people who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in Florida
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 528,849 |
| 2 | G | 134,682 |
| 3 | N | 89,828 |
Did you know? Florida has one of the largest Medigap populations in the entire country, with more than half a million residents enrolled in Plan F alone. This makes Florida a key market for Medigap insurers and gives beneficiaries many options for comparing coverage.
How Medigap Pricing Works in Florida
Insurers use different methods to set Medigap premiums, which determines how costs change over time. In Florida, plans may follow one of three models:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age when you purchase the policy and may rise with inflation, not age.
- Community rated – All policyholders pay the same premium, regardless of age.
Under-65 Eligibility in Florida
Florida law requires Medigap insurers to offer at least one plan to residents under 65 who qualify for Medicare due to disability or end-stage renal disease (ESRD). While insurers may set different premiums for this group, they must charge the same rate to all under-65 beneficiaries.
Choosing a Medigap Plan in Florida
Although Plan F remains the most popular choice, many new beneficiaries in Florida are choosing Plan G for strong coverage or Plan N for cost savings. All Medigap plans can be used nationwide at any provider that accepts Medicare, giving Florida residents reliable coverage both in-state and while traveling.
To review premiums and compare plans in your area, visit our Medigap rate comparison page.