Idaho Medigap rates vary noticeably by company and change annually.

Key Idaho Medigap rates available now. 

As of 3/9/2026:

                                             G  less than $225/month.

                                             G Hi-deductible: less than $75/month.

                                             N: less than $170/month.

IF you are new to Medicare OR within 30-days of your ‘birthday window’ call us.  We will help you save on your Medigap monthly premium.

The above premiums are available to Idaho residents 65 and over that do not use tobacco.  The premium for tobacco users is slightly higher.  Call if you are under age 65.  

The companies offering the above mentioned premiums have not yet had their 2026 premium increase.  When their increase is effective, these rates may no longer be available.  We will be resetting the above figures when this happens.

If your current plan premium is meaningfully higher than these figures, you can switch companies without going through underwriting to lower your premium 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. 

2026 Premium Increases

Community rated plans

As of 3/3/2026, 10 of the 21 insurance companies offering Medigap plans in Idaho have filed and been awarded their 2026 increases.  The remaining eleven will occur before the end of the year.

At this moment, the 2026 Idaho Medigap rates for Plan G ranges from  $207 – $302.  The companies with the lower premiums have not filed for/had IDOI approve their increase. 

When will you receive your 2026 premium notice?

You should should receive the notice of your plan’s 2026 premium change 30 or so days before your policy’s ‘anniversary date’ (the date your policy was effective with your current insurance company).

Idaho Medigap rates for issue age plans.

We are no longer keeping track of Medigap plans purchased prior to 3/1/2022. 

Why? This is the date plans using the ‘Issue age’ methodology to set premiums could no longer sell their plans in Idaho.  We recommend current Issue age policy holders keep them, provided they compare well to the same ‘community rated’ plan.  

If you are presently enrolled in a Medigap plan issued to you prior to 3/1/2022 and want help deciding if it makes sense to switch to an ‘community rated’ plan, call me.  I will offer my guidance.  

Learn more about this Idaho law change here.

Idaho Medigap rates are now based on Community Rating 

Community rating is a rating method for Medigap insurance that assigns a single rate to all ages and classes of individuals in the group, regardless of risk factors such as age or health.  

Learn more about Idaho’s law change and answers to ‘frequently asked questions’ here. 

Some basics about Medigap plans.

Keep in mind if you are enrolled in a Plan F (or any of the other 9 Medigap plans), the Medicare coverage is the same no matter from whom you buy the plan from. 

Some insurance companies include ‘extras’ in their plans. 

Some companies MAY include extra benefits (gym membership, help with dental/vision coverage, a discount if more than one person living in the same home, etc.).   If these extras catch your attention, we can help you review the details of these offerings.  For example, are the exercise facilities you will use in the plan’s network?.  Is your dentist in the plan’s network?  

How does ‘community rating’ compare to ‘issue age’ rating?

‘Issue age’ rating means:

1).  There is a premium rate chart which is maintained by each company offering Medigap plans in Idaho.

 2).  There are four charts for rates; one is for people under age sixty-five; the other is for people sixty-five and above.  People that use tobacco can have a different premium than people that do not.

3). You find your age on this chart for the 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. 

4).  When you look at these rate charts, you notice the rates increase a 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’.

Community rating

Each company will have a separate premiums for individuals below age sixty-five, 65 and over.  There are additional charts if the person uses ‘tobacco products’ within these same two categories.  

The net effect of ‘community rates’ is when people join a Medigap plan at age sixty-five, their premium can be much higher when compared to ‘issue age’ rating. This also means people age seventy-eight/higher can have lower premiums when compared to ‘issue age’.

What should a person do that has been enrolled in an ‘issue age’ policy for several years?

If the premium difference between a your ‘community’ rated plan and your ‘issue age’ plan is meaningful lower and you want to save the difference between the premiums, simply enroll in the plan with the lower premium and with the same coverage.   You no longer must pass underwriting if you make the change during your ‘birthday window’. 

This question and others are answered on reviewed on the Idaho Department of Insurance website (here).  

How would a person change plans?

We suggest they work with an Idaho based broker that specializes in the Idaho Medigap marketplace.

They can guide you through the process.

We have been helping Idaho residents do this since 2012.  Call us if you want help. 

Did you just move to Idaho?  

I have a Medigap plan. Are Idaho Medigap rates lower?  

Maybe. 

If you have had your Medigap plan 4 or more years, your Idaho Medigap rates could be lower than your current plan.  If you switch companies to get the same plan, a gym membership and/or a ‘household discount’ may be included in the plan.  You can do this without going through underwriting.  

Switching to a different company and get the same plan is easy when you work with a broker. Call us if you would like help thinking this through.  We watch this market monthly.

What other Medigap enrollment rules should I be aware of?

1. Medigap Initial Open Enrollment Period

• This 6-month guaranteed issue window starts the month you turn 65 and are enrolled in **Medicare Part B.

• During that time, you can buy any Medigap plan sold in your state without underwriting.

• If you first enrolled in a Medicare Advantage plan but are still in that 6-month window, you can drop MA and buy Medigap with guaranteed issue.

 2. “Trial Right” Guaranteed Issue (special federal protection)

This applies if both of these are true:

• You joined your first Medicare Advantage plan right when you became eligible for Medicare (usually at age 65), and

• You decide to switch back to Original Medicare (and Medigap) within your first 12 months on that MA plan.
  In that case, you have a guaranteed right to purchase a Medigap policy without underwriting.

3. Other Federal Guaranteed Issue Situations

You may also have a guaranteed issue right (no underwriting) if Medicare or your plan causes certain coverage changes, such as:

• Your Medicare Advantage plan stops operating in your area,

• You move out of the MA plan’s service area,

• Your Medigap insurer goes bankrupt or stops offering coverage

Learn the rules for ‘guaranteed issues’ here. 

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 simply the plan’s premium, 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 rating of all Medigap plans…then see if a specific company’s messaging is comparable to the national over all 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. 

Idaho typically has new companies enter our market annually.  Often these companies will have the lowest monthly premium they ever will have when they enter the state.    

Would you pay 25 +% more for the same product when shopping for other items you use? 

What about household discounts?

A few companies offer a ‘household discount’.

When this is deducted from their premium, we compare the net figure to other company’s premium. When we do this, some the other companies, not offering a household discount, can have lower premiums. This is why we encourage Idaho residents to look beyond the ‘teaser ad’s’ some companies use to get your attention

A note about plans that include a gym membership.

 You have some additional work to do before enrolling with any company including this ‘extra’ feature. Not all ‘gym memberships’ are the same.  What are the differences?  The number and types of facilities included in their network; which services offered by the facility are included in the membership (i.e. which will cost you more money if you want to use them).

Be aware, the insurance company can drop this ‘extra’ at their convenience.    

We will help you compare all companies offering this extra and consider the one with the net lowest premium…provided they meet the criteria mentioned above. 

If you stop using the gym, there may be other companies with lower monthly premiums for your same plan. If this difference is meaningful to you, it may make sense to save money by changing to a different company.

We can help you sort through this.

Suggestion. 

If you had your current policy for more than 5-years, it is time to check your options.  

When you work with us

We have specialized in Idaho Medicare insurance since 2012.

We monitor the Idaho Medigap market monthly and update our records when rates change, when new companies enter our market, and when existing companies leave the market.  

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 with that too.

Idaho residents, call us when you want help.

This page was last modified on Mar 9, 2026 @ 9:23 AM