4/5
State Farm Medicare Supplement Insurance
- Best for: Medicare enrollees who want an agent’s help and an insurer with few complaints
- What Sets It Apart: Sold only through local agents; fewer Medigap complaints than expected for its size; Plan G in the cheaper half for men in Dallas, Columbus, and Phoenix
- Cost: Plan G at 65 on Medicare.gov (September 2026): $188.87 for a woman and $192.95 for a man in Dallas; $184.20 and $188.45 in Columbus; $184.11 and $203.24 in Phoenix; no household discount
- Features: Plans A, C, D, F, G, and N (no Plan D in Texas); attained-age pricing in Texas and Ohio, issue-age in Arizona; online quotes, agent-only applications
- Pros: NAIC complaint index of 0.71 to 0.88 from 2023 to 2025; A+ (Superior) from AM Best; Plan G in the cheaper half for men in all three cities; slowest premium increases of any insurer NerdWallet reviews, 3.7% a year
- Cons: No household discount; Plan G up 17.9% in Texas in June 2026; no online application; no high-deductible Plan G; not sold in CT, MA, NJ, NY, or RI
State Farm Mutual Automobile Insurance Company, which also sells State Farm car insurance, issues the policies and is the name on Medicare.gov. They suit enrollees who value an agent’s help and a clean complaint record over the lowest premium.
Key Features
- Plans A, C, F, G, and N in Texas, plus Plan D in Ohio and Arizona; C and F only if you were eligible for Medicare before 2020
- Plan G at 65 on Medicare.gov (September 2026): $188.87 a month for a woman and $192.95 for a man in Dallas, $184.20 and $188.45 in Columbus, and $184.11 and $203.24 in Phoenix
- Plan N at 65, $128.44 to $140.93 a month for a woman and $133.79 to $157.17 for a man
- Attained-age pricing in Texas and Ohio, so premiums rise as you age; issue-age in Arizona, set by your age at purchase
- Quotes start online, but applying takes a State Farm agent
Pros
- Two or three confirmed Medigap complaints a year from 2023 through 2025, fewer than expected for its size (NAIC index 0.71 to 0.88)
- Men’s Plan G in the cheaper half of all three markets, ranking 13th of 33, 18th of 41, and 5th of 39 policies
- Premium increases averaged 3.7% a year over three years in the three cities NerdWallet tracks, the slowest of any insurer it reviews
- A+ (Superior) financial strength from AM Best, one notch below the A++ it held until November 2025
Cons
- No household discount, so couples pay full price
- Plan G increases of 5% to 20% in 22 states in 2026, including 17.9% in Texas in June, per CSG Actuarial
- Women’s Plan G above the median in Dallas and Columbus, ranking 20th of 33 and 26th of 41 policies, though 7th of 39 in Phoenix
- No high-deductible Plan G in Texas, Ohio, or Arizona
- Not sold in Connecticut, Massachusetts, New Jersey, New York, or Rhode Island
State Farm earns a place on your quote list if you want an agent’s help and an insurer with few complaints. Couples should also quote an insurer with a household discount, since State Farm offers none.
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