Medicare Supplement Plans Washington State 2027: State Rate Chart, Switching Rules and Companies
Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 29, 2026
Medicare Supplement plans in Washington State cost about $239 to $466 a month for Plan G at age 65 and older, based on the state insurance commissioner’s October 2026 rate chart. Washington also lets anyone in Plans B through N switch to another Plan B through N at any time of year without health screening questions.
2027 by the Numbers
$2,724
yearly gap between the lowest and highest Plan G price on Washington’s October 2026 chart, age 65 and older (our math)
19
Medigap listings on the Washington OIC and SHIBA chart current as of October 8, 2026
Any month
Plan B through N holders may switch to another Plan B through N with no health screen (WA OIC)
$3,050
2027 high-deductible Plan G deductible, up from $2,950 in 2026 (CMS)
Washington does Medigap differently from most of the country. There is no birthday rule here because there is no need for one: once you own a Plan B through N, you can move to another Plan B through N in any month. The state also publishes one chart that lists every approved company and its monthly price, which makes Washington one of the easiest states to shop.
We pulled the latest version of that chart, did the math and wrote down the county quirks that decide which Blue plan you can buy. If you are still learning the plan letters, start with our 2027 comparison chart and come back here for the Washington details.
Compare 2027 Washington Plan G Rates
What Washington's October 2026 Medigap Rate Chart Shows
The Washington Office of the Insurance Commissioner (OIC) and its SHIBA counseling program publish a chart called “Approved Medicare Supplement (Medigap) plans.” The version we used says its rates are current as of October 8, 2026. It lists monthly prices paid by automatic bank draft for people age 65 and older. We read the Plan G, Plan N and high-deductible Plan G columns and found the lowest and highest price for each.
| Plan | Lowest monthly price | Highest monthly price | Yearly gap for the same coverage (our math) |
|---|---|---|---|
| Plan G | $239 | $466 | $2,724 |
| Plan N | $175 | $313 | $1,656 |
| High-deductible Plan G | $48 | $71 | $276 |
Source: Washington OIC / SHIBA Approved Medigap Plans chart, rates current as of October 8, 2026, age 65 and older, automatic funds transfer. High-deductible range covers the seven companies that clearly list that plan. Excludes the Health Care Authority Premera plan ($233). Some companies sell only in certain counties.
Read the chart carefully: Each company’s prices carry their own “rates effective” date, from January to November 2026. A low price that took effect early in the year may be due for an increase sooner than one that just changed.
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Switch Any Time: Washington's Year-Round Medigap Rule
Most states only let you change Medigap plans without health questions during your first six months or a short yearly window. Washington’s rule is broader. According to the OIC, if you are already enrolled in a Medigap Plan B through N, you can switch at any time to another Plan B through N, and you do not have to fill out a written health screening questionnaire.
Check which letter you have now. Plans B through N form one group. Plan A is its own group.
Pick a new plan in the same group. Moving from Plan N up to Plan G is allowed, and so is moving from Plan G down to Plan N or high-deductible Plan G.
Apply before you cancel. Keep your current plan until the new company confirms your start date, so you never have a day without coverage.
Watch the three-month rule. The state chart says a new policy can exclude a pre-existing condition for up to three months, but not if your old policy had been in force at least three months.
The Plan A trap: If you own Plan A, the OIC says you can only switch to another Plan A without screening. Moving from Plan A up to Plan G or Plan N can mean answering health questions, so ask about this before you buy Plan A to save money.
One Price for Every Age on the Washington Chart
Look at the row labels on the state chart and you will notice something unusual: each company shows one price for “Age 65 and older.” In many states a 65-year-old and an 80-year-old pay very different amounts for the same plan. On Washington’s chart, the price listed is the same at 66 as it is at 86. Your premium can still rise when a company raises rates for everyone.
Rate changes are approved. Premera’s 2026 Washington rates were approved by the OIC and took effect April 1, 2026, with members told by mail in February.
Couples can save. Premera lists a non-spousal Plan G rate of $291 and a spousal rate of $262 a month, plus $5 off with automatic payments.
A 2027 increase is already posted. The October chart shows a Premera plan offered through the Washington State Health Care Authority going from $233 to $274 a month on January 1, 2027.
Because age does not move the listed price, the biggest lever you control is which company you pick. That is why the yearly gaps in the first table matter so much here.
Your County Decides Which Blue Plan You Can Buy
Washington has three Blue Cross or Blue Shield Medigap sellers, and each one draws its own map. Spokane and much of eastern Washington sit outside the Regence BlueShield area, so check Premera and the statewide companies there. Before you fall in love with a price, make sure the company sells in your county.
| Company on the state chart | Where it sells Medigap | Plan G / Plan N at 65+ |
|---|---|---|
| Premera Blue Cross | Statewide except Clark County | $286 / $215 |
| Regence BlueShield | 22 western and central counties, including King, Pierce, Snohomish, Thurston, Whatcom, Yakima and Walla Walla | $317 / $244 |
| Regence BlueCross BlueShield of Oregon | Clark County only | $279 / $223 |
| Medico, Humana, Mutual of Omaha | No county limits noted on the chart | From $247 / $175 (Medico) |
Source: Washington OIC / SHIBA chart, October 8, 2026. Prices read from the chart’s plan columns; confirm with a quote.
Companies such as Medico, Humana, Mutual of Omaha and Aetna’s First Health show no county limits on the chart. If you live in Vancouver, your Blue choice is Regence’s Oregon company, not Premera.
Under 65 With Medicare in Washington
The OIC warns that people under 65 “might not be able to buy the Medigap plan you want, or any Medigap plan, until you turn 65.” Washington does not require every company to sell to younger Medicare members, so the list is short and the prices are higher.
Few listings. The October 2026 chart shows only two under-65 disability prices: one company at $535 a month and the Health Care Authority Premera plan at $397, rising to $466 on January 1, 2027.
Your second chance at 65. When you turn 65, you get the federal six-month Medigap open enrollment period, and every company must accept you at standard rates.
Other coverage to check. Until then, a Medicare Advantage plan may be the more affordable option. Compare both on our Medicare Advantage page.
2027 Medicare Costs a Washington Supplement Covers
Your plan pays the gaps Original Medicare leaves. Here is what those gaps look like for 2027, based on federal figures.
| Cost in 2027 | Amount | Who pays it with Plan G |
|---|---|---|
| Part A hospital deductible | $1,788 (projected) | Plan G |
| Part B deductible | $292 (projected) | You |
| Part B premium | $209.50 a month (projected) | You |
| High-deductible G deductible | $3,050 (CMS) | You, until met |
| 20% Part B coinsurance | No yearly cap | Plan G |
Part A and Part B 2027 amounts are Medicare Trustees projections; CMS usually announces final figures in November.
Want the full picture on the most popular letter? Read Medicare Supplement Plan G 2027, or see how it stacks up against Medigap Plan N.
Bottom Line
Washington makes Medigap shopping simpler than most states: one public price chart, one price for every age 65 and older on that chart, and the freedom to switch among Plans B through N any month. Use that freedom. Check your county first, then compare the same letter across companies, because Plan G alone spans more than $2,700 a year.
See 2027 Medicare Supplement rates for your Washington ZIP code
Medicare Supplement Plans Washington State — Frequently Asked Questions
➤ Is there a Medigap open enrollment period every year in Washington?
No. The state chart says there is no yearly open enrollment for Medigap in Washington. Instead, if you have Plan B through N, you may apply to switch to another Plan B through N any time.
➤ Can I move from Plan N to Plan G in Washington without health questions?
Yes, according to the Office of the Insurance Commissioner. Both are in the Plan B through N group, so you can switch between them without a written health screening questionnaire.
➤ Does Premera sell Medigap in Clark County?
No. The state chart notes that Premera Blue Cross plans are not available to Clark County residents. Clark County residents can look at Regence BlueCross BlueShield of Oregon, which sells there.
➤ What does Premera charge for Plan G in Washington?
The October 2026 state chart lists Premera Plan G at $286 a month for age 65 and older with automatic payments. Premera’s own 2026 notice lists $291 without the automatic payment discount and $262 with its spousal discount.
➤ Will my Washington Medigap premium go up when I turn 75?
On the state chart, each company lists one price for everyone 65 and older, so the listed price does not change with your age. Your premium can still rise when the company gets a rate increase approved for everyone.
➤ What is the cheapest Plan N in Washington?
On the October 2026 chart, the lowest Plan N price was $175 a month from Medico, a Wellabe company, for age 65 and older. Prices change during the year, so get a current quote.
➤ Who can help me compare Washington Medigap plans for free?
SHIBA, the state’s free Medicare counseling program run by the Office of the Insurance Commissioner, can explain your options. A licensed agent can also quote several companies at once at no cost.
➤ Does a high-deductible Plan G make sense in Washington in 2027?
It can for healthy people who want the lowest premium. The state chart shows it from $48 to $71 a month, but you pay the first $3,050 of covered costs in 2027 before the plan pays.
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Compare 2027 Plan G, Plan N and more from several insurance companies in one call.
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