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The best Medicare Supplement plan in Washington, for you
By Vadim Marusin, licensed Medicare insurance agent in Washington (WAOIC #1365574). Insurer data checked against the state chart current as of October 8, 2026.
There isn't one best Medigap plan for everyone, and there isn't one best insurer. There is a best plan letter for how you use care and handle risk, and a best price for that letter in your county. Here's how to find both.
Start with the plan letter
Benefits are standardized by federal law, so a plan letter means the same thing at every insurer. Pick the letter first.
| If you... | Look at | Why |
|---|---|---|
| Want the most complete coverage available to new enrollees | Plan G | Only the Part B deductible is left for you to pay |
| See doctors a few times a year and your doctors accept Medicare assignment | Plan N | Lower premium; small copays; no excess-charge coverage |
| Rarely use care and could pay a few thousand dollars in a bad year | High-deductible Plan G | Much lower premium; full coverage after the deductible |
| Want the lowest premium with a hard cap on your yearly costs | Plan K or Plan L | Share costs until a yearly limit, then 100% |
| Were eligible for Medicare before 2020 and want first-dollar coverage | Plan F | Pays the Part B deductible too, often at a premium that exceeds it |
| Want the cheapest full policy and can absorb hospital deductibles | Plan A | Core benefits only; switching is limited to Plan A |
The most common choice for people new to Medicare in Washington is Plan G, followed by Plan N.
Then choose the insurer
Because Plan G is identical everywhere, "the best Plan G" is the one that costs least over the years you'll own it, from an insurer you're comfortable dealing with. In practice that means comparing:
- Today's premium for your plan letter, among the insurers selling in your county.
- Rate history. Ask how much each insurer has raised premiums in recent years. A low entry price with steep increases can cost more than a steadier competitor. See rate increases.
- Discounts for a spouse or partner and for automatic payment.
- Underwriting terms if you're outside a guaranteed window: some insurers have no pre-existing condition waiting period at all.
- Service: how claims and questions are handled. With Medigap, claims usually flow automatically from Medicare (crossover), so service matters most when something goes wrong.
Washington's switching rule makes this less final than in other states: with Plan B through N you can move to another insurer whenever its price is better, without health questions.
Mistakes we see
- Choosing on premium alone. Add likely out-of-pocket costs; see what Medigap costs.
- Taking Plan F when Plan G is cheaper overall, for people eligible for both.
- Picking Plan A to save money, then finding Plan A can only be switched to another Plan A without health questions.
- Starting Part B early while still on primary employer coverage, which starts the one-time Medigap window. See employer coverage.
- Cancelling an old policy before the new one is approved.
- Forgetting Part D, and paying a lifelong late penalty. See Part D and other gaps.
Common questions
What is the most popular Medigap plan in Washington?
Plan G is the most popular choice among people new to Medicare, because it's the most complete plan they can buy. Plan F was the most popular before 2020 and still has many existing policyholders.
Which insurer has the best Medigap plan in Washington?
Every insurer's Plan G has the same benefits, so the best insurer is the one with the best price and rate history for you. That depends on your county and the current state-approved premiums.
Is Plan G or Plan N better?
Plan G covers more; Plan N costs less. If your doctors accept Medicare assignment and you don't see doctors often, Plan N can save money. See Plan G vs Plan N.