Idaho Medigap Rates
Idaho Medigap rates vary noticeably by company and change annually.
Key Idaho Medigap rates available now.
As of 4/6/2026:
G less than $225/month.
G Hi-deductible: less than $75/month.
N: less than $170/month.
The above premiums are available to Idaho residents 65 and over that do not use tobacco. The premium for tobacco users is slightly higher. If you are under age 65, call us for your premium.
The companies offering the above mentioned figures have not yet had their 2026 premium increase. When their increase is effective, the above rates will no longer be available.
If your current plan premium is meaningfully higher than the above figures, you can switch companies without going through underwriting during your ‘birthday window’. If you choose to make a change outside of this ‘window’, you may have to answer the ‘health history’ questions on the company’s application. Depending on your answers, the application can be accepted or denied.
Remember, if you change plans, your new premium will not change for 12 months.
Call to get your other questions answered and schedule the appointment.
When will my 2026 premium change notice show up?
The premium increase usually coincides with your policy’s renewal date, not necessarily the calendar year. If you bought your plan in July, expect a notice around May or June. Some insurance carriers increase premiums during your birthday month instead of the anniversary.
Premium increases: what has been approved so far.
As of 4/6/2026, 13 of the 21 insurance companies offering Medigap plans in Idaho have filed and been awarded their 2026 increases. The remaining eight will occur before the end of the year. The mean (arithmetic average) of Plan G premiums for these 13 companies is $263. Seven of these companies set their 2026 Plan G premium above $270.
My 2026 increase makes my premium over $40/month higher than the Plan G rate mentioned above. Can I change companies now?
Yes. If you can pass underwriting, we can do it now. If you are within your ‘birthday window’ now (or will be before the above premiums change, yes. Call to get your questions answered and schedule the appointment.
Idaho Medigap rates are now based on Community Rating
Community rating is one of the three approved methods for setting monthly premiums for Medigap plans. Idaho switched to this method on 3/1/2022.
Each insurance company offering Medigap plans in Idaho has four premium charts. These are:
There are two main categories which are separated between people which use tobacco products and those which do not. Premiums for individuals which use tobacco are typically higher than those which do not.
Within each of the groups there are two other categories. These are people age 65/over and those who are under age 65. Individuals under age 65 qualified for Medicare because of a disability. They have their own premium chart and these premiums are up to 50% higher than rate charts for people 65 and over.
If an ‘issue age’ policy holder wants to change plans/insurance companies now, their new policy will follow ‘community rate’ rules.
The reason an ‘issue age’ policy holder would want to switch is because the ‘community rated plan’ premium is meaningfully lower than their ‘issue age’ plan.
Learn more about Idaho’s law change and answers to ‘frequently asked questions’ here.
How does ‘community rating’ compare to ‘issue age’ rating?
‘Issue age’ rating means:
1). Like ‘community rated’ plans, each company has four different charts and are broken down in the same manner as ‘community rated’ premium charts.
2). You find your age on an ‘issue age’ chart for the insurance company and plan you prefer. This is the person’s ‘base’ rate and is your monthly premium when you initially join a plan. This rate can change annually as each company is entitled to a ‘rate’ increase. Most companies guarantee this initial (base) rate to remain the same for the first twelve months a person is enrolled in the selected plan.
3). When you look at these rate charts, you notice the rates increase slightly with each year of age. This means Idaho Medigap rates at age sixty-five can be noticeably lower than rates for a person aged eighty.
Issue aged plans are no longer available in Idaho effective 3/1/2022. If you have an ‘issue aged’ plan, you can keep it.
If you want to change plans to get different coverage or a lower premium, your new plan’s monthly premium is based on ‘community rating’.
How would a person change plans?
We suggest they work with an Idaho based broker that specializes in the Idaho Medigap marketplace.
Call us. We have been helping Idaho residents do this since 2012.
Are Idaho Medigap plans now a commodity like product?
With the 2022 Idaho law change, we think Idaho Medigap plans are approaching ‘commodity’ status.
To us, this means the main difference between your choices is the company behind the plan. We look at their AM Best rating, their experience in the Medigap business, and the number of active policies they have in force.
These products have the same basic features and the companies offering them compete on price.
Some of these companies tout their ‘customer satisfaction’ rating.
Something to keep in mind is the national customer satisfaction rating of Medigap plans…then see if a specific company’s messaging is comparable to the national overall rating. An article titled “A whopping 94% of the people with a Medicare supplement policies say they are satisfied with their health insurance policies” documents this point.
With the Idaho law permitting existing Medigap policy holders to switch insurance companies annually (during their ‘birthday window’), and do this without going through underwriting, we feel it just makes sense to make the switch when the premium difference is meaningful to you and you follow the other guidelines mentioned above when choosing a company to do business with.
When you work with us
We have specialized in Idaho Medicare insurance since 2012 and monitor the Idaho Medigap market weekly. When premiums change, new companies enter our market, or when existing companies leave, we update our records.
Once you become a customer, we keep you aware of new opportunities to save on your premium. If you choose to change companies to save on the premium difference, we help you get it done.
Idaho residents, call us when you want help.
This page was last modified on