Medicare Supplement Insurance (Medigap) helps Washington seniors and eligible disabled residents cover healthcare costs not fully paid by Original Medicare, such as deductibles, copayments, and coinsurance. Washington 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 Washington
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 146,106 |
| 2 | G | 94,437 |
| 3 | N | 46,668 |
Did you know? Washington has one of the highest enrollments in Plan N nationwide, with more than 46,000 residents choosing it. This shows a strong preference in the state for balancing lower premiums with modest cost-sharing, compared to the heavier dominance of Plan F and Plan G seen elsewhere.
How Medigap Pricing Works in Washington
Premiums for Medigap plans can rise differently depending on the pricing method used by insurers. In Washington, plans may follow one of three rating models:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age when you buy the policy and may rise with inflation, not age.
- Community rated – Everyone pays the same premium, regardless of age.
Under-65 Eligibility in Washington
Washington does not require insurers to sell Medigap policies to beneficiaries under 65 who qualify due to disability or end-stage renal disease (ESRD). Some insurers may voluntarily offer coverage, but options and pricing vary.
Choosing a Medigap Plan in Washington
Plan F remains the most popular Medigap option in Washington, but many new enrollees now choose Plan G for comprehensive coverage. Plan N stands out in the state for its unusually high enrollment, offering a lower-cost option with modest copayments. All Medigap policies are accepted nationwide at providers that take Medicare, ensuring Washington residents have coverage whether they receive care in Seattle, Spokane, or across the country.
To compare premiums and review plan options in your ZIP code, visit our Medigap rate comparison page.