Medicare Supplement

Medigap in Washington for 2027: 14 Insurers and the Plans They Sell

SEATTLE — For Washington residents weighing how to pair Original Medicare with extra protection in 2027, a Medicare Supplement policy — commonly called Medigap — is one of the main options. Medicare.gov's Medigap policy search for ZIP code 98101 lists 14 insurers selling standardized plans to Washington residents, with plan letters ranging from A through N. Here is what the search shows, and the rules every shopper should know before the Annual Enrollment 2027 window closes on December 7, 2026.

What is Medigap and how is it different from Medicare Advantage in Washington?

Medigap is private insurance that pays some of the out-of-pocket costs Original Medicare leaves behind, such as coinsurance. It works alongside Original Medicare — not instead of it — so you keep Parts A and B and add the supplement. Medicare Advantage (Part C), by contrast, replaces how you get your Part A and B benefits and is run by a private plan with its own network and rules. In Washington for 2027, a person can have Original Medicare plus a Medigap policy plus a stand-alone Part D drug plan, or they can enroll in a Medicare Advantage plan — but not both at the same time.

Medigap plans are standardized by the federal government and identified by letter. That means a Plan G from one company covers the same federally defined benefits as a Plan G from another company; the differences are price, customer service and extras.

Which insurers sell Medigap in Washington for 2027, and which plan letters?

Medicare.gov's Medigap policy search for ZIP code 98101 lists 14 insurers. What any single person is offered can differ by ZIP code and by age, sex and tobacco use. In alphabetical order, the search shows:

• AARP – UnitedHealthcare Insurance Company: A, B, C, F, G, K, L, N
• Bankers Life (Underwritten by Washington National Insurance Company): A, F, G, G-HD, N
• GPM Health and Life Insurance Company: A, F, G, N
• Humana (HumanaDental Insurance Company): A, F, F-HD, G, G-HD, N
• Insurance Company of North America: A, F, G, G-HD, N
• Medco Containment Life Insurance Company: A, F, F-HD, G, N
• Medico Insurance Company: A, F, F-HD, G, G-HD, N
• Mutual of Omaha (United World Life Insurance Company): A, F, G, G-HD, N
• Premera Blue Cross: A, C, G, G-HD, N
• Premera Blue Cross (WA State Health Care Authority): G
• Regence BlueShield: A, C, F, G, K, N
• State Farm Mutual Automobile Insurance Company: A, C, D, F, G, N
• United American Insurance Company: A, B, C, D, F, F-HD, G, G-HD, N
• USAA Life Insurance Company: A, F, G, N

Across all 14 insurers, the plan letters sold by at least one carrier in Washington are A, B, C, D, F, F-HD, G, G-HD, K, L and N. One important federal rule: Plans C and F — including F-HD (high deductible F) — are closed to people who became newly eligible for Medicare on or after January 1, 2020.

When is the Medigap Open Enrollment Period in Washington and why does it matter?

Your Medigap Open Enrollment Period is a one-time, six-month window that begins the month you are both 65 or older and enrolled in Medicare Part B. During those six months, you have a federal right to buy any Medigap policy sold in Washington, and the insurer cannot deny you or charge more because of your health history. After that window closes, insurers in most situations may use medical underwriting, which can mean higher prices or a declined application. That makes the six-month window the single most protective time to shop.

What happens to guaranteed-issue rights if my Medicare Advantage plan is not returning in Washington for 2027?

According to CMS Landscape files, 44 Medicare Advantage plans offered in Washington in 2026 are not being offered anywhere in the state in 2027. If you are enrolled in one of those non-renewing plans, you have a federal guaranteed-issue right to buy certain Medigap policies, meaning insurers must sell you the eligible plans regardless of health history during the protected window. Other situations can also trigger guaranteed issue — for example, if you move out of your plan's service area, or lose certain other coverage. The specific plan letters available under guaranteed issue, and the deadlines for using the right, are set in federal rules at Medicare.gov.

Does Medigap cover prescriptions in Washington for 2027?

No. Medigap sold today does not include prescription drug coverage, so Part D is a separate decision. For 2027, the out-of-pocket cap in Part D is $2,400 (up from $2,100 in 2026), the most any Part D plan may charge as a deductible is $700, and the national base beneficiary premium used in the late-enrollment penalty calculation is $41.33. Individual plan premiums are set plan by plan. You can add or change a stand-alone Part D plan during Annual Enrollment 2027, which runs October 15 – December 7, 2026, with coverage effective January 1, 2027.

How should Washington shoppers compare Medigap policies for 2027?

Start with the plan letter, because benefits inside a letter are federally standardized. From there, compare the price each insurer charges, how it rates premiums (for example, by issue age or attained age), its history of rate increases, and customer service. Also confirm the insurer still sells your chosen letter in your ZIP code — the 98101 list above is the Seattle snapshot, and offerings vary. Plan and premium details should come from the Medicare Plan Finder at medicare.gov, 1-800-MEDICARE, or the insurer's own documents.

Where can Washington residents get free Medigap help in 2027?

Free, official help is available year-round at Medicare.gov and by calling 1-800-MEDICARE (1-800-633-4227), which is open 24 hours a day, 7 days a week. Medicare.gov's Medigap policy search lets you enter any Washington ZIP code to see the insurers and plan letters listed for that address, and the site explains guaranteed-issue rights, the six-month open enrollment window, and how Part D works alongside a supplement.

The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027. The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, had not been published by CMS at the time of writing.