Medicare Supplement Plans (Medigap) in Pennsylvania 2026

Key Pennsylvania 2026 Takeaways

• The Pennsylvania MOM State Exception: Pennsylvania is legally designated as a Medicare overpayment measures (MOM) state. This law completely bans healthcare providers from billing enrollees for Part B excess charges within state lines.
  

• Major 2026 Carrier Shift: Effective January 1, 2026, Independence Blue Cross (IBX) officially ceased selling new Medicare Supplement policies in Pennsylvania, altering the carrier landscape for incoming shoppers.
  

• Active Consumer Legislation: State lawmakers continue to push Senate Bill 1185 and House Bill 2342 to introduce a guaranteed-issue annual birthday rule for plan switching.
  

• Under-65 Access Guaranteed: Unlike federal defaults, Pennsylvania state law requires that certain Medigap plans be available to residents under 65 who qualify because of disability or end-stage renal disease (ESRD).
  

• Free Local Assistance: The Pennsylvania Department of Aging provides completely free, unbiased advisory support through the Pennsylvania Medicare Education and Decision Insight (PA MEDI) program.

What is a Medicare Supplement plan in Pennsylvania?

A Medigap policy acts as secondary coverage, paying its share after Original Medicare covers a medical service. When an eligible healthcare provider delivers a covered service, Original Medicare processes the claim first and pays its portion of the bill. Afterward, the Medigap policy pays its remaining share, such as the Part A hospital deductible or Part B medical coinsurance. 

This greatly reduces or eliminates out-of-pocket expenses. To understand how these components fit into your overall healthcare journey, explore our complete Medicare overview.

Types of Medicare Supplement Plans Offered in Pennsylvania

Pennsylvania residents have access to standardized insurance options labeled from Plan A through Plan N. Each specific letter plan offers the same basic coverage regardless of the insurance company that sells it.

It is important to note that Plan C and Plan F only remain available if you became eligible for Medicare prior to January 1, 2020. For newly eligible beneficiaries seeking comprehensive coverage, Plan G and Plan N serve as the baseline for modern protection. For those seeking lower monthly premiums, the Pennsylvania High Deductible Plan G offers an alternative setup. Members trade standard premium rates for lower monthly bills, agreeing to pay standard out-of-pocket costs up to a federally defined limit before full coverage begins. 

Most Popular Medicare Supplement Insurance Plans in Pennsylvania

The vast majority of Pennsylvania enrollees select either Plan G or Plan N due to their balance of robust coverage and stable rate structures. While Plan G covers all Medicare-approved out-of-pocket costs except the annual Part B deductible, Plan N introduces copayments for standard office visits and emergency room care in exchange for a lower monthly premium.

Because Pennsylvania law bans doctors from billing you for extra charges, you do not have to worry about the usual overcharge risks with Plan N—as long as you receive your medical care within the state. 

2026 Pennsylvania Market Disruption Alert

The local insurance landscape experienced two major shifts heading into 2026 that will impact how you shop for coverage. Learning about these updates is an important part of shopping for Medicare insurance.

• The IBX Marketplace Exit: Effective January 1, 2026, Independence Blue Cross (IBX) stopped selling new Medicare Supplement plans to consumers across Pennsylvania. While individuals already enrolled in an IBX Medigap plan are grandfathered in and keep their coverage, new applicants must look to alternative regional and national carriers.
  

• The Pennsylvania Birthday Rule: Legislative momentum surrounding Senate Bill 1185 and House Bill 2342 seeks to establish an official state-level Birthday Rule. If passed, this protection would allow current Medigap policyholders an annual 60- to 90-day window around their birthday to switch carriers to a plan with equal or lesser benefits without undergoing any medical underwriting or health history cross-examination.
  
  

Which Pennsylvania senior are you?

• The Fixed-Budget Traveling Senior: You want zero surprise copays and frequently travel outside of Pennsylvania to states where doctors can legally levy overcharges. Your Match: Standard Plan G.
  

• The Cost-Conscious Pennsylvania Senior: You receive your medical care inside Pennsylvania, meaning you are fully protected from excess charges by state law, and you want lower monthly premiums in exchange for minor doctor office copays. Your Match: Plan N.
  

• The Catastrophic-Saver Senior: You’re healthy, want minimal monthly overhead, and prefer a policy that steps in only to protect you from major, high-cost medical scenarios. Your Match: High Deductible Plan G.

Medicare Supplement Carriers in Pennsylvania

Pennsylvania features a highly competitive landscape of private insurance companies offering Medigap coverage. Following IBX's 2026 withdrawal from new policy sales, consumer choices are heavily concentrated among leading national brands and established regional shields. SelectQuote works as your advocate to compare plans from recognized carriers such as:

• Highmark Blue Shield

• Mutual of Omaha

• Aetna Senior Supplemental Insurance

• UnitedHealthcare (AARP Medicare Supplement Plans)

Medigap Rates in Pennsylvania by ZIP Code 2026

Prices can change from county to county because insurance companies look at local hospital costs and how often people in your area use their medical care. For example, Pennsylvania state data shows that monthly costs can range from under $50 for high-deductible plans up to several hundred dollars for full coverage. 

If you live in busy areas like Philadelphia or Allegheny County, you will see different plan prices than someone shopping in rural central Pennsylvania. Checking plans by your specific ZIP code is the best way to find the most affordable rate for your area.