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    What the Same Medigap Plan G Costs in Orange County: 2026 Rates From All 19 Carriers

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    Every Plan G sold in California has identical benefits by law, yet in Orange County the CDI approved annual premium for a 65 year old runs from $2,245 with the cheapest carrier to $4,517 with the most expensive, more than double for the same coverage. We pulled the California Department of Insurance rate comparison data for every carrier the regulator lists for individual Medicare Supplement policies in Orange County and published it below so you can see the whole market at once. Goulson Insurance Services is an independent agency based in Los Angeles, and Lara Goulson, a licensed California insurance agent (CA License 0E69969), works with clients across the state by phone and video. She quotes the same letter plan across many of these carriers at no cost, in English, Spanish, and Hebrew.

    Is your Medicare Advantage plan ending December 31?

    When your Medicare Advantage plan ends, federal law gives a guaranteed issue right to buy certain Medigap policies with no medical underwriting, from the date you receive your plan's termination notice until 63 days after your coverage ends: March 4, 2027 for a plan that ends December 31, 2026. A Medigap policy works only with Original Medicare, and joining another Medicare Advantage plan does not extend that window. Lara Goulson can check which Medigap plans and insurers in this table are open to you and help you apply, at no cost to you.

    See your Medigap rights and deadline when a plan ends

    CDI approved annual premiums, Orange County, sorted by Plan G at 65

    Individual policies, non tobacco rates, annual premiums as approved by the regulator. This table covers the 58 ZIP codes listed under it, home to about 68% of residents 65 and older in the Orange County ZIP codes we checked; some carriers price the other ZIP codes differently, as shown below. Effective dates are as each company reported them to CDI. Rates change with age and with carrier rate actions; confirm current figures before enrolling. Source: California Department of Insurance, 2026 Guide On Medicare Supplement Insurance, Orange County, individual non tobacco annual premiums, retrieved October 26, 2026.

    CarrierPlan G at 65Plan G at 70Plan G at 75Plan N at 65HD Plan G at 65
    State Farm Mutual Automobile Insurance CompanyAttained age ratingRates effective April 1, 2026$2,245$2,859$3,404$1,720
    Washington National Insurance CompanyAttained age ratingRates effective September 1, 2026$2,343$3,030$3,687$1,704$525
    Ace Property And Casualty Insurance CompanyAttained age ratingRates effective October 1, 2025$2,437$2,964$3,587$1,782$753
    USAA Life Insurance CompanyAttained age ratingRates effective May 1, 2026$2,474$2,692$3,232$2,366
    Physicians Select Insurance CompanyAttained age ratingRates effective October 1, 2024$2,529$2,717$3,159
    California Physicians ServiceBlue Shield of CaliforniaAttained age ratingRates effective July 1, 2026$2,664$3,480$4,476$2,256
    Blue Cross Of CaliforniaAnthem Blue CrossAttained age ratingRates effective March 1, 2026$2,750$3,349$4,068$3,013
    Medico Insurance CompanyAttained age ratingRates effective February 1, 2026$2,785$2,813$2,999$2,086$961
    American Retirement Life Insurance CompanyAttained age ratingRates effective July 1, 2026$2,812$3,480$4,234$2,106$945
    First Health Life & Health Insurance CompanyAttained age ratingRates effective April 1, 2026$2,877$3,387$3,900$1,971
    Transamerica Life Insurance CompanyIssue age ratingRates effective September 1, 2025$2,987$3,786$4,658$1,918
    ManhattanLife Insurance & Annuity CompanyAttained age ratingRates effective February 1, 2026$3,039$3,449$4,225$2,296
    Insurance Company Of North AmericaAttained age ratingRates effective August 1, 2026$3,078$3,202$3,874$2,356$984
    United World Life Insurance CompanyAttained age ratingRates effective December 1, 2025$3,150$3,923$4,760$2,037$804
    United American Insurance CompanyAttained age ratingRates effective April 15, 2026$3,412$4,469$5,236$2,871$777
    Tier One Insurance CompanyAttained age ratingRates effective July 1, 2026$3,560$4,129$5,078$2,709
    Everence Association, Inc.Attained age ratingRates effective April 1, 2026$3,629$4,565$5,443$2,696
    Continental Life Insurance Company Of Brentwood, TennesseeAttained age ratingRates effective September 1, 2026$4,424$5,353$6,499$3,128
    Humana Insurance CompanyAttained age ratingRates effective July 1, 2026$4,517$5,402$6,389$3,331$1,162

    Lara Goulson, a licensed California insurance agent, quotes the same letter plan across many carriers at no cost. Call (818) 472-5484 before your birthday window opens.

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    Key findings

    • The spread is real money. At 65, Plan G runs from $2,245 a year (about $187 a month) at the low end to $4,517 a year (about $376 a month) at the high end. That is $2,272 a year for benefits that are identical by law.
    • The gap grows with age. At 75, the same comparison runs from $2,999 to $6,499 a year, a $3,500 annual difference, and the ratio between the most and least expensive carrier widens from 2.0 to 2.2.
    • High Deductible Plan G is the quiet bargain of the table. 8 carriers offer it here, from $525 a year at 65, about $44 a month, in exchange for a higher annual deductible before the plan pays.
    • Plan N runs from $1,704 to $3,331 a year at 65, the same 2.0 to 1 spread as Plan G, with small copays and possible Part B excess charges as the tradeoff for the lower premium.
    • 18 of the 19 carriers use attained age rating, meaning the premium climbs as you get older on top of any rate increases. Only Transamerica Life uses issue age rating in this market, an approach that often costs more at purchase but does not add age based increases afterward.
    • Blue Shield of California, listed by CDI as California Physicians Service, charges $2,664 a year for Plan G at 65 here, and Anthem Blue Cross, listed as Blue Cross of California, charges $2,750. 5 carriers in the table charge less than both.
    • Compared with our Los Angeles table, 18 of the 19 carriers charge exactly the same for Plan G at 65 here. The lowest and highest Plan G at 65 are the same as in Los Angeles, $2,245 and $4,517.
    • California's birthday rule makes this table actionable. Every year, in a window starting on your birthday, you can switch to another carrier's plan with equal or lesser benefits with no health questions, so a Plan G holder paying near the top of this table is never locked in.

    Which ZIP codes this table covers

    Each carrier sets its own rating regions, so one county can have more than one price list. We grouped the 89 Orange County ZIP codes that returned CDI results into rate areas, where every carrier charges the same; the grouping is ours, not a CDI or carrier designation. The table above is rate area A.

    Rate area A, the table above: about 68% of residents 65 and older in the ZIP codes we checked
    ZIP codes: 90620, 90621, 90623, 90630, 90631, 90680, 92602, 92603, 92604, 92606, 92610, 92612, 92614, 92617, 92618, 92620, 92624, 92625, 92626, 92627, 92629, 92630, 92637, 92646, 92647, 92648, 92649, 92651, 92653, 92655, 92656, 92657, 92660, 92661, 92662, 92663, 92672, 92673, 92675, 92676, 92677, 92678, 92679, 92683, 92688, 92691, 92692, 92694, 92697, 92701, 92703, 92704, 92705, 92706, 92707, 92708, 92780, 92782
    Rate area B: about 29% of residents 65 and older in the ZIP codes we checked
    ZIP codes: 92801, 92802, 92804, 92805, 92806, 92807, 92808, 92821, 92823, 92831, 92832, 92833, 92835, 92840, 92841, 92843, 92844, 92845, 92861, 92865, 92866, 92867, 92868, 92869, 92870, 92886, 92887

    Plan G at 65 where the price changes inside the county

    • In rate area B, 3 carriers charge less for Plan G at 65 than in rate area A and 1 carrier in the table is not listed.
    • Every other carrier charges the same for Plan G at 65 in all of these rate areas.
    CarrierRate area ARate area B
    First Health Life & Health Insurance Company$2,877$2,557
    United American Insurance Company$3,412Not listed
    Tier One Insurance Company$3,560$3,118
    Continental Life Insurance Company Of Brentwood, Tennessee$4,424$3,939

    In 4 more ZIP codes (90720, 90740, 90742, 90743), at least one carrier's price differs again. If your ZIP code is one of those, or is not listed on this page, call us and we will look up its rates.

    Lara Goulson, a licensed California insurance agent, quotes the same letter plan across many carriers at no cost. Call (818) 472-5484 before your birthday window opens.

    Call (818) 472-5484Schedule a Consultation

    You reach Lara directly · English, Español, עברית · Licensed in 12 states · No cost to work with Lara

    Methodology

    We retrieved these premiums from the California Department of Insurance 2026 Guide On Medicare Supplement Insurance, the regulator's own comparison tool, on October 26, 2026, for Orange County, individual policies, non tobacco rates. We ran the CDI tool at age 65 for every ZIP code listed on this page, and at ages 70 and 75 for at least one ZIP code in every carrier rating region, read every result page with two independent parsers, and kept a figure only when both agreed; every ZIP code in the same carrier rating region returned identical rates. Premiums shown are annual amounts as filed with and approved by the regulator; monthly figures quoted in the findings are those amounts divided by twelve. Carriers appear under their legal filing names: California Physicians Service is Blue Shield of California, and Blue Cross of California is Anthem Blue Cross. Rates can change through carrier rate actions and differ by ZIP code, age, tobacco status, and household discounts, so treat this table as the map of the market rather than a quote. We are an independent agency and do not sell every carrier listed; the table includes every carrier the CDI tool lists for these ZIP codes regardless of whether we represent them. CDI lists UnitedHealthcare Insurance Company under its separate group policy type, so it is not in this individual policy table.

    This table is published under a Creative Commons BY 4.0 license. Journalists and researchers may reuse it with attribution to Goulson Insurance Services and a link to this page.

    Already have a Medigap policy and paying near the top of the table? California's birthday rule lets you move to equal or lesser benefits each year with no medical underwriting. Learn more on our California birthday rule page

    Plan G rates in other California regions

    The same CDI comparison for other parts of the state: every carrier, Plan G at 65, 70, and 75, plus Plan N and High Deductible G.

    Questions about these rates

    Because the benefits are standardized but the prices are not. California requires every Plan G to pay exactly the same benefits, so carriers compete on premium, on their history of rate increases, and on underwriting, not on coverage. A carrier's price reflects its claims experience, how it rates by age, and its market strategy: some price low to grow, others price high and rely on customers not comparing. That is how the same plan spans $2,245 to $4,517 a year at 65 in Orange County. The practical conclusion runs in one direction: never buy a letter plan without seeing the whole table, and never assume a famous brand prices competitively. The benefits clause in your policy will read the same either way; only the premium and the company's rate increase history differ.

    Attained age rating means your premium is based on your current age, so it climbs as you get older, on top of any general rate increases the carrier files. Issue age rating means the premium is based on your age when you first bought the policy; it still rises with carrier rate actions, but not simply because you aged. In this Orange County table, 18 of the 19 carriers use attained age rating and one, Transamerica Life, uses issue age. An issue age policy often costs more at 65 but can cross below an attained age policy years later. When we compare plans we look at both the price today and the carrier's rate structure and increase history, because the cheapest premium at 65 is not always the cheapest premium at 80.

    For many healthy budgets it is the best value on the table. High Deductible Plan G gives you the same benefits as standard Plan G after you meet an annual deductible, and in exchange the premium drops dramatically: in Orange County it starts at $525 a year at 65, about $44 a month, compared with $2,245 for the cheapest standard Plan G. If you rarely use care, the premium savings can exceed the deductible you would pay in a bad year, and the plan still caps your exposure. If you see doctors constantly or want first dollar simplicity, standard Plan G or Plan N fits better. 8 carriers offer the high deductible version here, and the right answer depends on your health, your cash cushion, and how you feel about paying a deductible in a rough year.

    In California, yes, once a year, without health questions. The state's birthday rule gives every Medigap policyholder an annual window, beginning on your birthday, to switch to another carrier's plan with equal or lesser benefits with no medical underwriting. If you hold Plan G with a carrier near the top of this table, you can move to a cheaper carrier's identical Plan G during that window and the new company cannot decline you or price you on your health. The savings compound, because you can repeat the exercise in future years as carriers change their rates. We run this comparison for Supplement clients every year before their birthday at no cost. Call (818) 472-5484 and we will tell you exactly what the move would save at your age.

    Check the lists under the table first. Each carrier divides California into its own rating regions and files a price list for each one, so two neighbors in different ZIP codes can see different premiums for the same plan from the same company. In Orange County we found 3 different sets of prices across 89 ZIP codes. The table above is rate area A, and the section under it shows which carriers charge something else in the other rate areas. If your ZIP code is not listed, call (818) 472-5484 and Lara Goulson will look up the figures for your address.

    They are the regulator approved annual premiums for individual non tobacco policies in Orange County at three sample ages, which makes them the right map and an imperfect quote. Your exact premium depends on your age at enrollment, your ZIP code, tobacco status, available household discounts, and any rate actions a carrier has filed since this data was retrieved. Some carriers also apply underwriting outside guaranteed issue windows, which affects whether you can switch at all. Use the table to see the shape of the market: how wide the spread is, where each brand sits, and how prices climb by age. Then get exact quotes for your birth date before deciding. A licensed independent agent can pull current figures across many of these carriers in one conversation, at no cost, and your premium is the same whether you buy through an agent or directly.

    See your exact rates

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    You reach Lara directly · English, Español, עברית · Licensed in 12 states · No cost to work with Lara

    We do not offer every plan available in your area. Currently we represent 14 organizations which offer 93 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Not connected with or endorsed by the United States Government or the federal Medicare program. This website is a solicitation for insurance. Goulson Insurance Services Inc., CA Business Entity License #6020069. Lara Goulson, CA License #0E69969, NPN 8407942.

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