Medigap Premiums Up 12–26% in 2026: What Plan G Holders Need to Know Before Open Enrollment

# Medigap Premiums Up 12–26% in 2026: What Plan G Holders Need to Know Before Open Enrollment

> **Quick answer:** Medigap Plan G premiums rose between 12% and 26% in Q1 2026 across all six major carriers — Aetna, Blue Cross Blue Shield, Cigna, Humana, Mutual of Omaha, and UnitedHealthcare. Unlike the ACA market, there is no open enrollment for Medigap in most states, which means switching plans often requires passing medical underwriting. But depending on your state, your birthday, and your coverage window, you may have more options than your insurer wants you to know about.

Medigap premiums are surging in 2026 at rates seniors on fixed incomes have rarely seen — and the timing could not be worse. The increases arrive on top of a Medicare Part B premium hike, tightening the monthly squeeze for the more than 12 million Americans who rely on Medicare supplement plans to cover the gaps traditional Medicare leaves behind. This article explains exactly what is happening, why it is happening, and what your four realistic options are right now.

*This article is for informational purposes only and does not constitute financial or insurance advice. Consult a licensed insurance broker or Medicare counselor (SHIP) for decisions specific to your situation.*

## How Big Are the Medigap Premium Increases in 2026?

The numbers reported to state insurance commissioners in Q1 2026 are stark. Plan G — the most popular Medicare supplement plan for new enrollees since Plan F was closed to new beneficiaries in 2020 — saw rate increases from just over 12% to more than 26% depending on carrier and state.