Updated July 2, 2026
Texas is one of the largest Medicare markets in the country, and that scale shows up in the pricing: Plan G premiums around $136 per month reflect the competition that comes with dozens of active carriers in the state.
Why competition matters in a market this size
When many insurers compete for the same enrollees, premiums tend to stay lower than they would in a thin market. Texas benefits from that. The benefits inside every Plan G are set federally and are identical at every carrier, so what you are really shopping is price, rate history, and financial stability of the insurer. A carrier with lower premiums today may raise rates faster over time. Use the Medigap cost calculator to compare estimates by age, and review what each plan covers if you are still deciding which plan letter fits your needs.
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Things to Know About Medigap Enrollment in Texas
Texas follows the standard federal enrollment rules. Your guaranteed issue window is the 6-month period that starts when you are 65 and your Part B coverage begins. During that period no insurer can refuse your application or add a waiting period based on your health. After it ends, medical underwriting applies in most situations. Find your exact window with the open enrollment calculator. The Medigap vs Advantage calculator is a useful next step if you have not yet settled on the type of coverage you want.
FAQs
How much does Medigap Plan G cost in Texas?
Plan G premiums in Texas run around $136 a month for most new enrollees, though your exact rate depends on your age, sex, tobacco use and the insurer you choose.
Can I switch Medigap plans later if I start in Texas?
You can apply to switch carriers or plan letters at any time, but outside a guaranteed-issue event most insurers in Texas will medically underwrite that new application.