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Washington Medigap facts

By Vadim Marusin, licensed Medicare insurance agent in Washington (WAOIC #1365574). Insurer data checked against the state chart current as of October 8, 2026.

A citable fact sheet on Medicare Supplement insurance in Washington State. Each fact names its source; figures update automatically from the state chart and CMS data. Last checked 2026-11-14.

1. 17 insurers are approved to sell Medicare Supplement (Medigap) policies to Washington residents on the Office of the Insurance Commissioner's chart current as of October 8, 2026.

   Source: OIC approved Medigap chart

2. Every Washington county has 14 or 15 Medigap insurers; Clark County has the fewest (14) because Premera doesn't sell individual Medigap there.

   Source: OIC approved Medigap chart

3. 17 insurers sell Plan G and 16 sell Plan N in Washington.

   Source: OIC approved Medigap chart

4. Washington requires community rating for Medigap: an insurer must charge everyone in a plan the same premium regardless of age (RCW 48.66.045).

   Source: RCW 48.66.045

5. People in Washington with Medigap Plan B through N can switch to another Plan B through N at any time without health questions; Plan A can switch to Plan A.

   Source: OIC/SHIBA; RCW 48.66.045

6. Washington caps Medigap pre-existing condition waiting periods at three months, shorter than the six months federal law allows.

   Source: RCW 48.66.130

7. Washington Medigap buyers have a 30-day free look to return a policy for a full refund.

   Source: RCW 48.66.120

8. Washington does not require insurers to sell Medigap to people under 65 on Medicare due to disability.

   Source: OIC/SHIBA

9. 1,586,306 Washington residents had Medicare in July 2026; 797,700 (50.3%) were in Original Medicare, the group eligible to buy Medigap.

   Source: CMS Medicare Monthly Enrollment

10. The share of Washington's Medicare population in Original Medicare fell from 71.4% in 2013 to 50.3% in July 2026.

    Source: CMS Medicare Monthly Enrollment

11. Klickitat County has the highest Original Medicare share in Washington (88.1%); Cowlitz County has the lowest (32.4%).

    Source: CMS Medicare Monthly Enrollment

12. 4.55% of Washington clinician practice listings are marked as only sometimes accepting Medicare assignment, the providers who can bill Part B excess charges.

    Source: CMS Doctors and Clinicians file

13. In 2026 the Part B premium is $202.90 a month, the Part B deductible $283 and the Part A deductible $1,736.

    Source: CMS

14. The 2026 high-deductible Plan G and F deductible is $2,950; Plan K's out-of-pocket limit is $8,000 and Plan L's $4,000.

    Source: CMS; OIC/SHIBA

15. Plans C and F (including high-deductible F) can only be sold to people first eligible for Medicare before January 1, 2020.

    Source: Medicare Access and CHIP Reauthorization Act of 2015

16. Medicare SELECT Medigap policies in Washington are sold only by UnitedHealthcare (AARP), for Plans G and N.

    Source: OIC approved Medigap chart

Sources

• Washington OIC / SHIBA, 2026 Approved Medicare Supplement (Medigap) plans (rates current as of October 8, 2026)
• Washington OIC, Medigap (Medicare Supplement) plan coverage and costs
• RCW chapter 48.66
• CMS, Medicare Monthly Enrollment, county level (July 2026)
• CMS Doctors and Clinicians national file
• CMS, 2026 Medicare Parts A and B premiums and deductibles