MEDICARE SUPPLEMENT · RHODE ISLAND · 2026
Best Medicare Supplement Plans
in Rhode Island for 2026
The Medigap carriers most Rhode Islanders should compare — Plan G, Plan N, and High Deductible Plan G rates. Licensed RI broker, no pressure.
Top Medigap Carriers Serving RI (2026)
Medicare Supplement plans (Medigap) are standardized by federal law — a Plan G is a Plan G no matter which carrier issues it. What differs is price, billing practices, rate-increase history, and customer service. These are the five most competitive Medigap carriers for Rhode Island in 2026.
Aetna
Competitive Plan G and Plan N rates for RI seniors. A+ AM Best rating. Often among the cheapest options at age 65 open enrollment.
Cigna
Aggressive new-to-Medicare pricing in RI. Household discount (~7%) when spouse also enrolls. A rating from AM Best.
Mutual of Omaha
Stable rate history. Popular Plan G and Plan N. Good reputation for claim payment among RI brokers. A+ AM Best.
Transamerica
Often the lowest premium at initial enrollment. Watch for steeper age-based rate increases in later years.
UnitedHealthcare / AARP
Largest Medigap book of business in the U.S. AARP-branded Plan G and Plan N in RI. Longer rate-increase track record for comparison.
Typical RI Medigap Premiums (Age 65, 2026)
| Plan | Typical Monthly Premium (RI) | Best For |
|---|---|---|
| Plan G | $140 – $210 | Frequent doctor visits, budget certainty |
| Plan N | $105 – $165 | Healthy beneficiaries, lowest premium |
| High Deductible Plan G | $45 – $75 | Healthy, can cover $2,870 annual deductible |
| Plan F (if eligible before 1/1/2020) | $180 – $245 | Existing policyholders only — no new issues |
Ranges are typical non-tobacco 65-year-old Rhode Island rates for 2026. Actual premiums vary by carrier, ZIP, age, tobacco, and household-discount eligibility. Not a guarantee of coverage.
Frequently Asked Questions
Which Medigap carriers are best in Rhode Island?
Aetna, Cigna, Mutual of Omaha, Transamerica, and UnitedHealthcare/AARP are the most competitive. All five offer standardized Plan G and Plan N.
What is the cheapest Medigap plan in RI?
Plan N typically runs $105–$165/month. High Deductible Plan G has a lower monthly premium but a $2,870 annual deductible in 2026.
Is Plan G or Plan N better in Rhode Island?
Plan G for frequent care; Plan N for healthier people who want lower premiums. See our full Plan G vs Plan N comparison.
Can I switch Medigap plans in RI?
Outside the six-month initial Open Enrollment window, you generally need to pass underwriting. Rhode Island lacks year-round guaranteed-issue rights, unlike CT or NY.
Are Medigap premiums higher in RI?
RI rates are near the New England average — higher than national median, lower than Massachusetts. Your age, ZIP, and tobacco use drive the premium.
Related Medicare Resources
Compare RI Medigap Quotes
A licensed Rhode Island broker will shop all five carriers for you.