Medicare Supplement Insurance (Medigap) helps Texas seniors and eligible disabled residents cover out-of-pocket healthcare costs not fully covered by Original Medicare, including deductibles, copayments, and coinsurance. Texas 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 Texas
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | G | 416,173 |
| 2 | F | 387,814 |
| 3 | N | 76,705 |
Did you know? Texas has one of the largest Medigap enrollments in the U.S., with more than 800,000 beneficiaries across just three plans. While Plan G has now overtaken Plan F, both remain extremely popular — a sign that many Texans prefer comprehensive, low-risk coverage. State law also requires insurers to make at least one Medigap plan available to under-65 beneficiaries, though premiums for this group can be higher.
How Medigap Pricing Works in Texas
Premiums for Medigap coverage can vary depending on the pricing method insurers use. In Texas, plans may be offered under one of three rating models:
- Attained-age rated – Premiums rise as you age.
- Issue-age rated – Premiums are based on your age at purchase and may increase with inflation, not age.
- Community rated – All beneficiaries pay the same premium, regardless of age.
Under-65 Eligibility in Texas
Texas requires insurers to offer at least one Medigap plan to Medicare beneficiaries under 65 who qualify due to disability or end-stage renal disease (ESRD). However, insurers are allowed to charge higher premiums for these enrollees compared to seniors, making cost comparisons especially important for this group.
Choosing a Medigap Plan in Texas
Plan G is now the leading choice for Texans, with strong coverage that closely mirrors Plan F. Plan N has also gained traction as a budget-conscious alternative. All Medigap policies are accepted nationwide by providers who take Medicare, ensuring Texas residents are covered whether they receive care in Houston, Dallas, Austin, or beyond.
To review premiums and compare Medigap options in your area, visit our Medigap rate comparison page.