Medicare Supplement Insurance (Medigap) helps Ohio seniors and eligible disabled residents pay for healthcare expenses not fully covered by Original Medicare, such as deductibles, copayments, and coinsurance. Ohio 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 individuals who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in Ohio
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | G | 252,166 |
| 2 | F | 215,591 |
| 3 | N | 89,346 |
Did you know? Ohio is one of the few states where Plan N has broken into the top tier, with nearly 90,000 enrollees. While Plan G leads the way, Plan N’s growth shows a clear trend toward more affordable, cost-sharing options.
How Medigap Pricing Works in Ohio
Premiums for Medigap coverage may rise differently depending on the pricing method insurers use. In Ohio, policies may be priced under one of three models:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age at purchase and may rise with inflation, not age.
- Community rated – All policyholders pay the same premium, regardless of age.
Under-65 Eligibility in Ohio
Ohio requires insurers to make at least one Medigap plan available to Medicare beneficiaries under 65 who qualify due to disability or end-stage renal disease (ESRD). However, premiums for these beneficiaries may differ from those charged to seniors.
Choosing a Medigap Plan in Ohio
Plan G has overtaken Plan F as the leading Medigap plan in Ohio, though Plan F still has a significant enrollment base. Plan N is becoming increasingly popular as a lower-cost option with modest copayments. All Medigap plans are accepted nationwide with providers who take Medicare, giving Ohio residents reliable coverage whether they receive care in Columbus, Cleveland, Cincinnati, or anywhere else in the U.S.
To compare premiums and explore Medigap plan options in your ZIP code, visit our Medigap rate comparison page.