What is the best Medicare Supplement plan in Pennsylvania in 2026?

Plan G is the most popular Medicare Supplement plan for new enrollees in Pennsylvania in 2026. It covers everything Original Medicare leaves behind except the Part B deductible ($257/year). Plan N is the second most common choice — it has lower premiums but requires small copays ($20 for office visits, $50 for ER). Both are standardized, so coverage is identical across all carriers; only the price differs.

How much does Medicare Supplement cost in Pennsylvania?

Medicare Supplement Plan G in Pennsylvania typically costs between $100 and $200 per month for a 65-year-old, depending on the carrier, county, and gender. Prices vary more in PA than in NJ because Pennsylvania uses attained-age rating — premiums increase as you get older. Comparing multiple carriers at enrollment is especially important in PA for this reason.

Does Pennsylvania have guaranteed issue for Medigap?

Pennsylvania does not have year-round guaranteed issue for Medigap like New Jersey does. In PA, you have guaranteed acceptance during your 6-month Medigap Open Enrollment Period — the 6 months starting the month you turn 65 and are enrolled in Part B. After that window closes, insurers can use medical underwriting and deny you coverage or charge higher premiums based on health conditions. Enrolling during your open enrollment period is critical in Pennsylvania.

What is attained-age rating and how does it affect PA Medigap premiums?

Pennsylvania allows attained-age rating for Medigap plans, meaning your premium increases each year as you get older — on top of any general rate increases. This differs from community rating (used in NJ) where everyone the same plan pays the same rate. In PA, a plan that costs $130/month at 65 may cost significantly more by age 75. When comparing plans in PA, ask carriers how their rates have increased historically.

Can I switch Medicare Supplement plans in Pennsylvania?

After your Medigap Open Enrollment Period ends, switching plans in Pennsylvania requires passing medical underwriting. Insurers can ask about your health history and decline your application. If you are in good health, you may qualify for a lower-premium plan with a different carrier. If you have significant health conditions, you may be locked into your current plan. This is why choosing carefully at 65 matters more in PA than in states with guaranteed issue.

What does Medicare Supplement Plan G cover in Pennsylvania?

Plan G in Pennsylvania covers: the Part A hospital deductible ($1,676 in 2026), Part A coinsurance and hospital costs, Part B coinsurance (the 20% you owe on all outpatient services), Part B excess charges, skilled nursing facility coinsurance, hospice care coinsurance, and foreign travel emergency care (80% up to plan limits). The only gap is the Part B deductible ($257/year), which you pay out of pocket. After that, Plan G covers virtually all remaining Medicare-approved costs.

Best Medicare Supplement Plans in Pennsylvania (2026)

Last reviewed: March 2026 · Sources: CMS.gov, Pennsylvania Insurance Department

Important for Pennsylvania residents

Pennsylvania does not have year-round guaranteed issue for Medigap. Your 6-month Open Enrollment Period at 65 is your best — and often only — chance to get coverage without medical underwriting. Missing this window can make Medigap difficult or impossible to obtain later if you develop health conditions.

Pennsylvania Medigap Plan Comparison (2026)

Plan	Est. Monthly Cost	Part A Deductible	Part B Coinsurance	Part B Deductible	Excess Charges
Plan GMost popular Most new enrollees — near-complete coverage	$100–$200	✓ Covered	✓ Covered	✗ You pay $257	✓ Covered
Plan N Healthy enrollees who rarely see specialists	$75–$155	✓ Covered	✓ Covered (copays apply)	✗ You pay $257	✗ Not covered
Plan K Budget-focused with $7,220 out-of-pocket cap	$50–$90	50% Covered	50% Covered	✗ You pay $257	✗ Not covered

Estimates for a 65-year-old non-smoker in Pennsylvania. Actual rates vary by carrier, county, and gender. Request a free quote for exact pricing.

How Pennsylvania Medigap Rules Differ from Other States

Attained-Age Rating

Pennsylvania uses attained-age rating, meaning your Medigap premium increases each year as you get older. This is different from community rating states (like New Jersey) where everyone on the same plan pays the same premium. Over a 10–15 year period, this can add up significantly. When comparing PA carriers, ask about their historical rate increase track record — not just the current premium.

No Year-Round Guaranteed Issue

After your 6-month Open Enrollment Period, PA insurers can underwrite your application. A cancer diagnosis, heart condition, diabetes with complications, or other serious conditions may result in denial or higher premiums. Unlike New Jersey, there is no state law protecting you after the federal open enrollment window closes.

PACE and PACENET for Low-Income Seniors

Pennsylvania has PACE (Pharmaceutical Assistance Contract for the Elderly) and PACENET programs that help low-income seniors pay for prescription drugs. These are separate from Medigap and worth exploring if your income is below $33,500 (single) or $41,500 (married) annually.

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