Updated July 2, 2026
Florida has one of the largest Medicare populations in the country, and the state gives existing policyholders an annual opportunity to change plans. Plan G typically runs around $148 per month: a mid-range figure that reflects Florida's competitive but high-utilization insurance market.
How Are Medigap Premiums Calculated in Florida
Florida law gives Medigap policyholders a 60-day window each year around their birthday to switch to a plan with equal or lesser benefits without going through medical underwriting. Similar to California's rule, this applies to existing policyholders, not first-time buyers, and does not let you move up to richer coverage without health questions. The rule is useful if premiums on your current plan have climbed and a lower-cost option for the same benefit level has opened up. If you are enrolling for the first time, the federal 6-month Open Enrollment window still governs. Track your initial window with the open enrollment calculator.
Plan G in Florida: what to compare
Every Plan G sold in Florida covers the same benefits: that is set by federal law. The comparison is price only. Florida's market is large, meaning more carriers compete here than in most states, which can work in your favor if you shop. Use the Medigap cost calculator for an age-based estimate, review what each plan covers, and if you are weighing Medicare Advantage as an alternative, run the numbers through the Medigap vs Advantage calculator.
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FAQs
How much does Medigap Plan G cost in Florida?
Plan G premiums in Florida run around $148 a month for most new enrollees, though your exact rate depends on your age, sex, tobacco use and the insurer you choose.
Do all Plan G policies in Florida cover the same things?
Yes. Federal law standardizes the benefits inside every Plan G, so a policy sold in Florida covers exactly the same services no matter which carrier issues it. Only the premium and the rating method differ from one Florida carrier to the next.