Updated July 2, 2026
Washington State Plan G premiums run around $167 per month, which is on the higher end nationally. Part of the explanation is in how Washington regulates Medigap pricing.
Washington's community rating and guaranteed issue rules
Per the Washington State Office of the Insurance Commissioner, insurers must use community rating and cannot use attained-age pricing. Everyone pays the same rate for the same plan regardless of how old they are. That protects older enrollees from steep annual increases, but it also pushes starting premiums higher for people enrolling at 65. Washington also requires a 6-month guaranteed issue window each year, not just at initial enrollment. That annual window gives residents more flexibility to switch plans than the federal baseline allows. If your current plan is not working, you have a regular opportunity to reconsider without facing medical underwriting during that period. Review plan letters and benefits at the plan comparison page and use the Medigap cost calculator for an age-based estimate.
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Things to Know About Medigap Enrollment in Washington
You are protected by both the federal Open Enrollment Period when you first turn 65 and enroll in Part B, and by Washington's annual guaranteed issue window. The federal window is 6 months from your Part B start date. After that, the state's annual window gives you a recurring opportunity. Use the open enrollment calculator to pin down your federal window. For a side-by-side look at supplement coverage versus Advantage plans, the Medigap vs Advantage calculator lays out the cost structure of each.
FAQs
How much does Medigap Plan G cost in Washington?
Plan G premiums in Washington run around $167 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 Washington?
You can apply to switch carriers or plan letters at any time, but outside a guaranteed-issue event most insurers in Washington will medically underwrite that new application.