Houston Medicare Supplement Insurance Costs
Compare Medigap plan rates from top carriers in Harris County
Medicare Supplement (Medigap) insurance costs in Houston, Texas can vary dramatically from one carrier to the next — even for the exact same standardized plan covering the same benefits. Residents of Harris County shopping for a Medigap policy should know that premiums for identical plans can differ by more than 150% depending on the insurer. Comparing multiple carriers before you enroll is one of the most important steps a Houston-area beneficiary can take.
Compare Rates with a Houston Medicare Agent
Independent Medicare insurance agents in Houston represent multiple carriers licensed in Harris County, which means they can provide side-by-side comparisons without any obligation to a single insurer. Working with an independent agent is the fastest way to see the full range of Plan G premiums available at your zip code.
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Estimated Plan G Medigap Rates — Houston, Texas (Zip 77001)
Estimated based on 2018 Plan F market data (lowest $146.50/month, highest $399.25/month for a female age 65 non-smoker) converted to approximate Plan G equivalents. Plan G is typically 8–12% less than Plan F for the same carrier. Male rates estimated at approximately 8% above female rates. Contact a licensed agent for current quotes.
| Gender | Lowest Monthly Premium | Highest Monthly Premium | Difference |
|---|---|---|---|
| Female, Age 65 (non-smoker) | $131.85 | $359.33 | 172.5% |
| Male, Age 65 (non-smoker) | $142.40 | $388.08 | 172.5% |
3 Questions to Ask Before You Buy a Medigap Plan in Houston
1. Does this agent represent multiple carriers, or just one company?
Some insurance agents in Houston are captive to a single insurer, which means they can only quote you one company's rates. A broker or independent agent appointed with multiple carriers can show you the full market. Always ask upfront: "How many Medicare Supplement companies are you appointed with in Texas?" The more carriers an agent represents, the better your chances of finding a competitively priced Plan G.
2. What is this company's rate-increase history in Texas?
The lowest premium today does not guarantee the lowest premium in three years. Texas law requires carriers to file rate increases with the Texas Department of Insurance (TDI), and that history is a matter of public record. Ask your agent for the carrier's rate-increase history over the past five years before you commit. You can also research carriers at the Texas Department of Insurance website (tdi.texas.gov).
3. Is this plan community-rated, issue-age-rated, or attained-age-rated?
Texas allows all three rating methods for Medigap policies. Attained-age-rated plans start with lower premiums but increase as you age; community-rated plans charge everyone the same regardless of age. Understanding the rating method your carrier uses will help you project long-term costs — not just the first-year premium. Your agent is required to disclose this information before the sale.