If your Plan G or Plan N premium suddenly increased by $20, $30 or more per month, you're probably wondering why it happened, whether you have to accept it, and whether another company offers the same standardized benefits for less.
We compared verified August and October 2026 Medicare Supplement rates in Dallas, San Antonio, Houston and El Paso. Several carriers increased sharply, while many competing rates remained unchanged.
Most rate reviews take about 20–30 minutes with a licensed Texas agent.
A Texas Rate Review Checks
Checking your options doesn't cancel or change your current policy.
Independent guidance
Compare multiple companies where appointed
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Help by phone, online and across Texas
Rates verified by ZIP code
Not just a statewide filing percentage
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The insurer pays the agency when an enrollment is completed
Your rate went up. Let's find out why, whether your new premium is still competitive, and what choices you have. A Medicare Supplement increase is usually applied to your entire class or block of policyholders — not because you personally used the policy. Plan benefits are standardized. Premiums are not. See why identical Medicare Supplement plans can have different prices.
Below, see the verified American Benefit Life, Insurance Company of North America (Chubb), and Nassau Life rate increases for Dallas, San Antonio, Houston and El Paso, and the lower-priced options that were available for the same applicant profile in October 2026.
Start Here
A Medicare Supplement increase is usually applied to a class or block of policyholders rather than imposed because one person personally used the policy. Healthcare costs, the block's overall claims experience, company pricing changes, and attained-age pricing can all affect the premium.
The only way to know is to compare your new premium with the same plan letter for the same age, ZIP code, tobacco status, discount eligibility, and realistic underwriting class. Medigap plans with the same letter provide the same standardized basic benefits regardless of insurer — premiums can still differ considerably.
You may be able to apply for the same plan letter through another company, consider Plan N or High-Deductible Plan G, review available discounts, or evaluate a different Medicare coverage strategy. Medical underwriting may apply when changing Medigap policies outside a protected enrollment right.
Verified Texas Rate Increases
The examples below were verified for a 67-year-old female, non-tobacco applicant at the standard rating class in four Texas ZIP codes, comparing August 2026 to October 2026 premiums.
| Texas market | August 2026 | October 2026 | Increase |
|---|---|---|---|
| Dallas 75201 | $154.53 | $186.47 | ▲ +20.67% |
| San Antonio 78201 | $154.53 | $186.47 | ▲ +20.67% |
| Houston 77001 | $171.06 | $203.57 | ▲ +19.00% |
| El Paso 79901 | $137.35 | $169.81 | ▲ +23.63% |
| Texas market | August 2026 | October 2026 | Increase |
|---|---|---|---|
| Dallas 75201 | $112.79 | $136.09 | ▲ +20.66% |
| San Antonio 78201 | $112.79 | $136.09 | ▲ +20.66% |
| Houston 77001 | $124.85 | $148.57 | ▲ +19.00% |
| El Paso 79901 | $100.24 | $123.94 | ▲ +23.64% |
CSG Actuarial's rate-change filings separately list an American Benefit Life Texas increase effective September 1, 2026, including a 20.9% change on Plans G and N. ZIP-level quote comparisons show the actual before-and-after premium applied to this applicant profile, rather than only a filing-level percentage.
| Company | Plan G | Plan N |
|---|---|---|
| Insurance Company of North America / Chubb | Approximately 18% | Approximately 18% |
| Nassau Life Insurance Company | Approximately 20% | Approximately 17% |
After the Increase
This is the consumer-facing comparison: American Benefit Life's new October rate against the lowest displayed October rate we found for the same applicant profile in each market.
| Market | Plan | ABL October rate | Lowest October rate found | Potential difference |
|---|---|---|---|---|
| Dallas | G | $186.47 | $124.65 | $61.82/mo. — $741.84/yr. |
| Dallas | N | $136.09 | $95.11 | $40.98/mo. — $491.76/yr. |
| San Antonio | G | $186.47 | $124.65 | $61.82/mo. — $741.84/yr. |
| San Antonio | N | $136.09 | $95.11 | $40.98/mo. — $491.76/yr. |
| Houston | G | $203.57 | $140.58 | $62.99/mo. — $755.88/yr. |
| Houston | N | $148.57 | $106.36 | $42.21/mo. — $506.52/yr. |
| El Paso | G | $169.81 | $113.32 | $56.49/mo. — $677.88/yr. |
| El Paso | N | $123.94 | $86.47 | $37.47/mo. — $449.64/yr. |
Plan G & Plan N by City
Verified 67F non-tobacco standard-rate premiums, August vs. October 2026.
Rate increase levels shown on this page
▲ 15% or more ■ 5%–14.9% ● Less than 5% / lowest found| Company | Plan | August 2026 | October 2026 | Change |
|---|---|---|---|---|
| American Benefit Life | G | $154.53 | $186.47 | ▲ +20.67% |
| American Benefit Life | N | $112.79 | $136.09 | ▲ +20.66% |
| Insurance Co. of North America / Chubb | N | $93.58 | $110.42 | ▲ +18.00% |
| Nassau Life | N | $106.32 | $124.39 | ▲ +17.00% |
| Bankers Fidelity (Preferred) | G | $124.65 | ● Lowest found | |
| Bankers Fidelity (Preferred) | N | $95.11 | ● Lowest found | |
Swipe to see all Dallas rates.
| Company | Plan | August 2026 | October 2026 | Change |
|---|---|---|---|---|
| American Benefit Life | G | $154.53 | $186.47 | ▲ +20.67% |
| American Benefit Life | N | $112.79 | $136.09 | ▲ +20.66% |
| Insurance Co. of North America / Chubb | G | $140.50 | $165.75 | ▲ +17.97% |
| Insurance Co. of North America / Chubb | N | $93.58 | $110.42 | ▲ +18.00% |
| Nassau Life | G | $148.25 | $177.90 | ▲ +20.00% |
| Nassau Life | N | $106.32 | $124.39 | ▲ +17.00% |
| Bankers Fidelity (Preferred) | G | $124.65 | ● Lowest found | |
| Bankers Fidelity (Preferred) | N | $95.11 | ● Lowest found | |
Swipe to see all San Antonio rates.
| Company | Plan | August 2026 | October 2026 | Change |
|---|---|---|---|---|
| American Benefit Life | G | $171.06 | $203.57 | ▲ +19.01% |
| American Benefit Life | N | $124.85 | $148.57 | ▲ +19.00% |
| Insurance Co. of North America / Chubb | G | $164.83 | $194.50 | ▲ +18.00% |
| Insurance Co. of North America / Chubb | N | $109.83 | $129.58 | ▲ +17.98% |
| Nassau Life | G | $166.22 | $199.46 | ▲ +20.00% |
| Nassau Life | N | $119.20 | $139.47 | ▲ +17.01% |
| Farm Bureau Health Plans | G | $140.58 | ● Lowest found | |
| Farm Bureau Health Plans | N | $106.36 | ● Lowest found | |
Swipe to see all Houston rates.
| Company | Plan | August 2026 | October 2026 | Change |
|---|---|---|---|---|
| American Benefit Life | G | $137.35 | $169.81 | ▲ +23.63% |
| American Benefit Life | N | $100.24 | $123.94 | ▲ +23.64% |
| Insurance Co. of North America / Chubb | G | $131.00 | $154.58 | ▲ +18.00% |
| Insurance Co. of North America / Chubb | N | $87.33 | $103.00 | ▲ +17.94% |
| Nassau Life | G | $130.28 | $156.34 | ▲ +20.00% |
| Nassau Life | N | $93.43 | $109.31 | ▲ +17.00% |
| Bankers Fidelity (Preferred) | G | $113.32 | ● Lowest found | |
| Bankers Fidelity (Preferred) | N | $86.47 | ● Lowest found | |
Swipe to see all El Paso rates.
Your Options
You may be able to apply for the same plan letter through another company at other times of the year. Outside a protected guaranteed-issue situation, the new company can generally ask health questions, and acceptance is not guaranteed. Medicare specifically advises against canceling your current Medigap policy until you've decided to keep the replacement.
Never cancel your current policy until a replacement has been approved and its effective date is confirmed. Texas Medicare Supplement policies also include a 30-day free-look period after a new policy is issued.
Usually, yes — unless you have a guaranteed-issue right (for example, during your Medigap Open Enrollment Period or certain qualifying events). A licensed agent can review your specific timing and history before you apply.
A Common Next Step
Plan N can lower the monthly premium while preserving broad protection against major Medicare cost-sharing. In exchange, the policy may require copayments of up to $20 for certain office visits and up to $50 for certain emergency-room visits that don't result in an inpatient admission. It also doesn't cover Medicare Part B excess charges.
If Plan N saves $50 per month, that's $600 per year in premium savings — equal to thirty maximum $20 office-visit copayments. But the actual result also depends on emergency-room copayments, excess charges, and how often you receive care, so this isn't a guaranteed break-even point.
Source: Medicare.gov, Getting Started with Medicare Supplement Insurance →
Another Option
High-Deductible Plan G changes the balance between fixed monthly premiums and potential out-of-pocket costs. It may suit someone who can comfortably absorb the annual deductible and prefers to keep Original Medicare with standardized Plan G protection after that threshold is met.
It's worth reviewing alongside your new rate — not as a default recommendation, but as one more option on the table.
If the Premium Has Become Unaffordable
Your Rate Increased
We can compare your current Medicare Supplement premium with available Plan G, Plan N, and High-Deductible Plan G rates for your Texas ZIP code. A review doesn't require you to change coverage. Depending on your health and enrollment rights, medical underwriting may apply.
Most rate reviews take about 20–30 minutes. No pressure, no obligation.
Meet Our Team
Real licensed agents, not a call center. Our team compares companies and helps you weigh the tradeoffs, with help available by phone and online, serving beneficiaries across Texas.
Gina Chandler
Lead Agent · Licensed Texas Medicare Insurance Agent
A patient, no-pressure approach to comparing Plan G, Plan N, and Medicare Advantage across multiple carriers — including walking clients through exactly why a rate increase happened.
View Gina's full profile →
Danny Rodriguez
Licensed Texas Medicare Insurance Agent
Medicare help available in English and Spanish. Helps Texas Medicare beneficiaries compare Medicare Supplement companies and plans side by side after a rate increase notice arrives.
View Danny's full profile →
David Scallion
Founder, Lehigh Partners Senior Benefits · Licensed Medicare Insurance Agent
More than 20 years of insurance experience, leading an independent, multi-carrier Medicare agency serving beneficiaries across Pennsylvania and Texas.
View David's full profile →Client Reviews
“Gina did a wonderful job in helping me here in Weatherford, TX, choose between a Medicare Supplement and Advantage plan. She was so patient with all of my questions and by the time I made my choice I was fully comfortable and happy with my plan choice.”
Charlotte Hayden Google review“Dave helped me understand Medicare Part B, C, and D, plus the various supplement plans, and presented me with scenarios that projected monthly and annual costs. He was patient answering all my questions.”
Robert Haffner Google review“Dave was very helpful in finding me the best product to meet my needs at the lowest cost. He was very efficient, thoughtful and available. The process was painless.”
Susan Peck Google reviewCommon Questions
We're not promising to erase a carrier's increase — we're showing you why it happened, where your new rate sits in the Texas market, and whether a responsible lower-cost option may exist.
No pressure. No obligation. Independent Medicare guidance from Lehigh Partners Senior Benefits.
