Texas offers all 10 standardized Medigap plans, and pricing for the same plan can vary by hundreds of dollars a year depending on which carrier you pick. Medicare Supplement premiums here are set by each insurance company, not the state, so two people with identical health and the same zip code can pay very different rates for Plan G. This guide covers what actually drives Texas Medigap pricing, which plans Texans choose most, and the discounts that can lower your bill without changing your coverage. For the detailed review of all the rules in Texas, including guaranteed issue events and under-65 rules, see our Texas Medigap complete overview.
How Texas Medigap Pricing Works
Every carrier selling Medigap in Texas prices the same plan letter differently, even though the benefits are identical by law. Rates typically depend on your zip code, age, gender, tobacco use, and the carrier’s own claims experience. Some carriers use attained-age pricing (premiums rise as you get older) while others use issue-age or community rating; the method matters less than people assume, since annual rate increases from claims trends affect all three about the same. Why the same Plan G costs more from one company than another goes deeper into this if you want the full breakdown.
💡 Tip: Plan G is also sold as a high-deductible option in Texas, with a $$2,960 deductible in exchange for a lower monthly premium. It’s worth comparing both versions before you decide.
Which Medigap Plan Do Most Texans Choose?
Plan G has become the most common choice among Texans newly eligible for Medicare since Plan F closed to new enrollees on January 1, 2020. More than 500,000 Texans are currently enrolled in Plan G, out of roughly 945,000 Texans with a Medigap policy overall. Source: AHIP. Plan G covers nearly everything Plan F did, aside from the Part B deductible, for a meaningfully lower premium. Plan G explained walks through the specific benefits. Plan N is a growing alternative for Texans who want a lower premium and don’t mind small copays for office and ER visits.
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Texas Medigap Discounts That Lower Your Premium
Several carriers in Texas offer a household discount when you and a spouse or qualifying roommate both hold a policy with the same company, and many also knock a small amount off for paying by automatic bank draft instead of a mailed check. These discounts don’t change your coverage at all, so they’re worth asking about no matter which plan you choose. Community-rated plans sometimes market a discount for younger enrollees that fades as you age, so read the fine print rather than assuming the sticker price holds for the life of the policy.
Can You Switch Texas Medigap Plans for a Better Price?
Texas does not have a Medigap Birthday Rule or an annual window that lets you switch carriers without answering health questions. Outside your initial 6-month Medigap Open Enrollment Period, medical underwriting is generally the path to a lower-priced plan or a different carrier. A pre-existing condition doesn’t automatically disqualify you, but every carrier weighs your history differently, so it’s worth checking before you apply.
📌 Note: Our Medigap Underwriting Checker can give you a sense of your approval odds before you submit an application. For the full regulatory picture on Texas Medigap, see our Texas Medigap complete overview. General switching strategy is covered in our Medicare Insurance Switching guide.
If you’re ready to compare Texas Medigap pricing across carriers, check your options online or call 800-930-7956 to speak with our team at Senior65. There is never a fee to work with us, and no one can offer the same Medigap plan for less than Senior65.com.