Medicare Supplement Insurance (Medigap) helps Arizona seniors and eligible disabled residents pay for healthcare costs not fully covered by Original Medicare, including deductibles, copayments, and coinsurance. Arizona 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 only available to people who became eligible for Medicare before January 1, 2020.
Most Popular Medigap Plans in Arizona
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 146,582 |
| 2 | G | 121,932 |
| 3 | N | 29,131 |
How Medigap Pricing Works in Arizona
Medigap premiums are calculated using rating methods that affect how your costs rise over time. In Arizona, insurers may apply one of three structures:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age at the time of purchase and rise with inflation, not age.
- Community rated – Everyone pays the same premium, regardless of age.
Under-65 Eligibility in Arizona
Arizona does not require insurers to sell Medigap plans to residents under 65 who qualify for Medicare due to disability or end-stage renal disease (ESRD). Some companies may choose to offer coverage voluntarily, but options can be limited and premiums may be higher than for those 65 and older.
Choosing a Medigap Plan in Arizona
Although Plan F still has the largest enrollment, Plan G is now the most popular choice among new beneficiaries, while Plan N offers lower monthly premiums for those willing to accept some cost-sharing. Every Medigap policy works nationwide at any provider that accepts Medicare, giving Arizona residents flexibility whether receiving care in Phoenix, Tucson, or while traveling.
To review current premiums and compare plans side by side, visit our Medigap rate comparison page.