Best Medicare Supplement Plans for Low-Income Seniors
Which Medigap Plans Are Most Affordable?
Medigap premiums vary based on the location, provider, and beneficiary, but Medigap Plan N is generally the best overall value. There are some cheaper options, but Plan N covers coinsurance, copayments, and the Medicare Part A deductible.
Since Medigap plans are federally regulated, Plan N from one insurer will offer you the same coverage as Plan N from any other. The primary differences in providers will be extra benefits, pricing, and customer service.
After a thorough review, we identified the following providers as offering the best Medigap policies for low-income seniors in 2026.
Pro Tip: If you want to learn more about a wide range of Medigap plans regardless of cost, then check out my choices for this year's best Medigap plans.
The Best Medicare Supplement Plans for Low-Income Seniors
- Humana : Best Overall Plans
- Anthem Blue Cross Blue Shield : Prescription Savings
- Cigna : Coverage for Pre-Existing Conditions
- Aetna : Widest Range of Coverage
- Mutual of Omaha Medigap Plans : Best Customer Service
- State Farm : Best Bundled Discounts
- AARP/UnitedHealthcare : Best Educational Tools
How We Chose the Most Affordable Medigap Plans
No matter which company you choose, your Medigap policy will offer the same coverage. Each private insurance provider, however, has its own idiosyncrasies that will ultimately affect your decision. Here’s what I looked for when choosing the most affordable Medigap plans:
- Low premiums: All Medigap Plan Ns are created equally, but their prices are not. When looking for the best Medigap for low-income seniors, I searched for the most affordable policies that will save you money on your monthly premiums.
- Bundled savings: The companies listed here not only offer Medicare supplemental insurance, but they also offer life, home, or even auto insurance, with savings included when you purchase multiple plans.
- Great customer service: You probably know how tricky things can get when it comes to health-care costs. I looked for insurers with transparent policies and dedicated teams of customer-service professionals to help you understand your benefits.
- Network coverage: If you already use health insurance of any kind, then you likely have a preferred doctor or health-care provider. I looked for Medigap providers that don’t restrict your coverage network, allowing you to keep your current health-care team.
The Best Medicare Supplement Plans for Low-Income Seniors
Humana - Best Overall Plans
844-382-7911
What We Like Most:
- Wide range of plans offered
- 24/7 customer service
- Vision and dental add-ons available
- High-deductible plan options
Overview
Humana provides some of the most comprehensive Medigap Plan N options available, featuring competitive premiums and valuable supplemental benefits. Beyond the standard Medigap Plan N coverage — which is consistent across all providers — Humana policyholders enjoy discounts on hearing services, prescription medications, vision care, and fitness memberships. The company also maintains a 24-hour nurse advice line to address nonemergency medical questions.
A Medigap Plan N from Humana typically costs a nonsmoking 65-year-old woman approximately $100 to $200 per month, but actual premiums vary significantly based on age, gender, and geographic location.
To learn more about Humana, read our guide to Humana Medicare Supplement Insurance, as well as our guide to 2026 Humana Medicare Advantage.
Pros
- Quick quote process
- 24/7 nurse hotline
- Easy-to-navigate website
- Plentiful Medicare information and resources
- Vision and dental options
Cons
- Above-average premiums
Anthem Blue Cross Blue Shield - Prescription Savings
855-635-3873
What We Like Most:
- Extensive provider network
- Affordable monthly premiums
- Bundling options with health and dental
- Large selection of plans
Overview
Anthem offers one of the most attractive Medigap Plan N options on the market. Beyond covering coinsurance and copays, Anthem extends a variety of extra benefits to all Medigap policyholders.
Anthem Medicare Supplement members receive reimbursements for gym memberships, along with discounts on prescription medications, hearing aids, and vision services. While these discounts don’t match the comprehensive coverage offered through Anthem Medicare Advantage plans, they meaningfully reduce out-of-pocket expenses beyond standard Medigap Plan N benefits.
Anthem Medigap plans are competitively priced: A 65-year-old woman can expect to pay from $100 to $150 per month in premiums for an Anthem Plan N, although rates vary by location.
Pros
- Discounts on prescription medications
- Gym membership reimbursement
- Great customer service
- Hearing and vision discounts
Cons
- Available in only 13 states
Cigna - Coverage for Pre-Existing Conditions
What We Like Most:
- Wide range of plans
- Coverage for people with pre-existing conditions
- Foreign travel emergency coverage available
- Skilled nursing facility coinsurance available
Overview
Cigna, one of my favorite insurance providers, offers an affordable range of Medigap plans in 31 states. Its Medigap Plan N offers an affordable way to cover some of the costs that Original Medicare doesn’t.
Plan N premiums vary based on age, location, and tobacco use. Cigna offers a household discount when more than one person in the same household enrolls in a Cigna Medigap plan.
Cigna includes extra perks with its Medigap policies. Users can take part in the Cigna Healthy Rewards plan, which provides discounts on home-delivered meals, free trials on home fitness classes, and savings on podiatry services. Cigna also gives subscribers access to its 24-hour Health Information Line.
To get started with Cigna, check out the company’s website, where you can enter your personal information, receive a free quote, and explore other Medigap options.
Pros
- 24/7 customer service line
- Household discounts
- Easy-to-understand policies
- Coverage in most states
Cons
- Relatively few plan options
Aetna - Widest Range of Coverage
(855) 908-2871
What We Like Most:
- Five plans to choose from
- Additional benefits for plan members
- No network restrictions
- Keep your coverage even if you move
Overview
Aetna remains a strong choice for affordable Medigap coverage, offering plans — including the budget-friendly Plan N — in nearly every state.
Currently, a 65-year-old nonsmoking woman in Dallas could expect to pay approximately $100 to $130 per month for Plan N coverage, but rates vary by age, location, and health status. Aetna also offers household discounts when multiple members enroll, which can help couples save on premiums.
One of my favorite things about Aetna is that it has no network restrictions, which means your Aetna Medigap plan can be used with any doctor who accepts Medicare.
To learn more about Aetna Medicare supplemental insurance, look at the company’s website, where you can see the policies and get an instant quote by typing in your birthdate and the intended date of your coverage start.
Pros
- Range of plans available
- Extra perks for members
- No network restrictions
- Dental and prescription plans
Cons
- Difficult-to-understand plan coverage
Mutual of Omaha Medigap Plans - Best Customer Service
(855) 908-2871
What We Like Most:
- Wide range of plans
- 12 percent spouse discount
- Prescription-drug and dental options
- No network restrictions
Overview
One of the oldest and most trusted insurers in the United States, Mutual of Omaha offers three Medigap plans that can help you offset the costs left over by Medicare. It’s also the only provider on this list to service all 50 states.
For a 65-year-old nonsmoking woman in Dallas, a Medigap Plan N policy from Mutual of Omaha typically costs an estimated $110 to $140 per month in 2026, depending on individual factors. If she has a roommate or spouse who also signs up with Mutual of Omaha, her premium would be lowered by 12 percent with Mutual of Omaha’s household discount, which varies by area and individual factors.1
As a bonus, with Mutual of Omaha’s Mutually Well program, Medigap enrollees can receive fitness rebates and discounts on healthy-living products and hearing aids from Amplifon.
To get started with Mutual of Omaha, check out the company’s website, where you can learn more about its three policies and benefits, and obtain a free quote in a matter of minutes.
Pros
- Prescription and dental options
- No network restrictions
- Dedicated helpline
- High-deductible options
Cons
- Only three plans
- No Medigap app
State Farm - Best Bundled Discounts
(855) 933-2095
What We Like Most:
- Available in 45 states
- Competitive pricing
- Over 19,000 local agents for personalized service
- Bundled savings
Overview
Founded in 1922, State Farm is widely known as a solid choice for auto insurance. What many people don’t know, however, is that it also offers Medicare supplemental insurance, and you can save money if you purchase multiple insurance policies.
A 70-year-old nonsmoking woman in Dallas could expect to pay around $155 per month for Plan N this year. She can also earn discounts for purchasing auto or additional health insurance through State Farm. State Farm Medigap plans can also be used with any health-care providers that accept Medicare.
Pros
- Six plans offered
- Bundled options available
- Available in 45 states
- Personalized customer service
Cons
- Premiums may increase over time
AARP/UnitedHealthcare - Best Educational Tools
(855) 908-2871
What We Like Most:
- Household and electronic payment discounts
- Plans A, B, C, F, G, K, L, and N offered
- Helpful online resources
Overview
AARP Medigap plans, offered through UnitedHealthcare, give seniors some peace of mind when planning out their medical budgets. If you’re a current AARP member, then a policy through UnitedHealthcare can provide significant savings.
A 70-year-old nonsmoking woman in Dallas would pay approximately $125 per month for a Medigap Plan N this year. Remember that these policies are available only to AARP members; membership costs $15 per year if you sign up for auto-renewal.
Where AARP Medigap really excels is in its range of educational tools. On its website, you can find an instant quote tool and detailed comparisons of what’s included in each of its plans. AARP’s website even breaks it down into the actual dollar amount you’ll be covered for various expenses, such as coinsurance and travel insurance.
Pros
- Interactive website
- Friendly customer service
- Wide range of plans
- In-person appointments available
Cons
- Must be an AARP member to enroll
Why Medigap Plan N Is Ideal for Low-Income Seniors
The median yearly income for Americans 65 and older is around $55,000, according to a Library of Congress study. One-fifth of people in that age group, however, had household incomes of less than $24,132.2 Between housing, entertainment, and medical costs, many people are on a budget and don't want to further their financial burden with a Medigap policy. Medigap, after all, is designed to help you save, so I recommend people look into Medigap Plan N.
Its exact price will vary by provider and policyholder, but Medigap Plan N is often one of the more affordable options. Most importantly, it covers coinsurance, copayments, and even your Medicare Part A deductible.
Here’s a full list of what Medigap Plan N includes:
Medigap Plan N Coverage
| Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up | Yes |
|---|---|
| Part B coinsurance or copayment | Yes |
| Blood (first 3 pints) | Yes |
| Part A hospice care coinsurance or copayment | Yes |
| Skilled nursing facility care coinsurance | Yes |
| Part A deductible | Yes |
| Part B deductible | No |
| Part B excess charge | No |
| Foreign travel exchange (up to plan limits) | 80% |
Frequently Asked Questions
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What is the most affordable Medigap plan for low-income seniors?
Medigap Plan N is generally the most affordable option that still provides comprehensive coverage. It covers coinsurance, copayments, and the Medicare Part A deductible, with monthly premiums typically ranging from $90 to $200 depending on your location, age, and provider. While Plans A and K may have lower premiums, Plan N offers better overall value by covering more out-of-pocket costs that could add up over time.
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Are there financial assistance programs to help pay for Medigap premiums?
While Medigap plans themselves don’t qualify for financial assistance, some states offer Medicare Savings Programs that can help pay Medicare Part A and Part B premiums, deductibles, and coinsurance for those who qualify based on income. Additionally, some providers offer household discounts (typically 5 percent to 14 percent) and online or automatic payment discounts that can reduce your monthly premium costs.
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Can I get discounts on my Medigap plan?
Yes, many providers offer discounts that can lower your monthly premiums. Common discounts include household discounts when multiple people in the same home enroll (typically 5 percent to 14 percent savings), bundled insurance discounts when you purchase multiple policies from the same company, and automatic payment or online enrollment discounts. Some insurers offer bundled savings with auto or home insurance, while others provide household discounts of up to 14 percent.
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Do all Medigap Plan N policies cover the same things?
Yes, all Medigap Plan N policies provide identical coverage regardless of which insurance company you choose, as these plans are federally regulated. Plan N covers Part A and B coinsurance, the Part A deductible, the first three pints of blood, hospice care coinsurance, skilled nursing facility coinsurance, and 80 percent of foreign travel emergency care. The main differences between providers are the monthly premium costs, extra perks, and customer service quality.
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Can I switch to a cheaper Medigap plan if my income changes?
You can apply to switch Medigap plans at any time, but insurance companies may require medical underwriting and can deny coverage or charge higher premiums based on your health status, except during specific enrollment periods. Your best opportunity to switch without medical underwriting is during your Medigap Open Enrollment Period (the six months after turning 65 and enrolling in Medicare Part B). Some states have additional protections that allow switching at certain times without underwriting.
