State Farm sells Medicare Supplement insurance the way it sells car insurance, through its own agents, and that is the whole story of why anyone considers it. There is no online checkout, no call center quoting engine, and no independent broker in the middle. The person who writes the policy is usually the person whose office you already drive past.
That model has real consequences for price and availability, and both are checkable. Medigap premiums are filed with state insurance regulators, so this page uses filed rates from Maryland, Washington and Maine rather than a marketing estimate. Availability is checkable too, and the answer is more complicated than State Farm’s own site admits in any single place.
Is State Farm Medigap Actually Available in 2026
Yes, and in more states than not, but the map has holes and the company documents them inconsistently.
State Farm’s per-state Medicare Supplement pages return a plain “Medicare Supplement plans not available in your state” notice for Connecticut, Massachusetts, New Jersey, New York and Rhode Island. Every other state’s page loads a full plan description, which puts availability at 45 states. There is no Medicare Supplement page for the District of Columbia at all; that URL redirects to State Farm’s general health insurance page, so DC availability is unconfirmed either way.
The complication is that State Farm’s own quote page carries a different, shorter disclaimer: “At this time, we don’t offer health insurance coverage in MA, NJ, RI (U.S.).” That list omits Connecticut and New York even though the state pages for both say the plans are not available. The two statements sit on the same website and do not agree.
The honest read is that the state pages are the more specific source, but neither list should be treated as definitive for your state. Availability of a Medigap product can change on a filing, and the only authority that settles it is your own state insurance department or a local agent who can pull a live quote. Independent confirmation exists for at least three states: Maryland’s regulator lists State Farm with rates as of July 1, 2026, Washington’s shows rates effective May 1, 2026, and Maine’s publishes 2026 annual rates. Those are current filings, not legacy blocks.
What State Farm Sells and How It Prices It
The policies are underwritten by State Farm Mutual Automobile Insurance Company, the same legal entity behind its auto book. That is unusual and it is stated directly on the state pages.
The plan menu depends on where you live.
Most states get A, C, D, F, G and N. That is the set listed on 38 of the 45 available state pages.
Indiana, Nevada and Texas get A, C, F, G and N, with no Plan D.
Delaware and Pennsylvania add Plan B, for a menu of A, B, C, D, F, G and N.
Minnesota and Wisconsin are different products entirely. Both states are federally waivered and use their own standardized designs. State Farm’s Minnesota page describes a Basic Plan, an Extended Basic Plan, an Extended Basic Plan without Part B deductible coverage, and a “$20 and $50 Part B Co-Payment Policy (Plan N).” Wisconsin gets a Basic Medicare Supplement Policy with optional riders for the Part A deductible, Part B excess charges, additional home health care and foreign travel emergency coverage.
Plans C and F remain closed to anyone first eligible for Medicare on or after January 1, 2020, which is federal law, not a State Farm rule.
On pricing, State Farm’s disclosure says “renewal premiums will increase periodically depending on your age,” and Maryland’s guide classifies it as Individual Market-Attained Age. That means your premium climbs as you get older on top of any across-the-board rate increase. Rate classes are split by tobacco use rather than by a health-based preferred or standard tier, and Maryland’s chart bars tobacco rates from being used during your protected open enrollment, guaranteed issue, or birthday-rule windows. Washington’s chart nonetheless marks State Farm as applying a pre-existing condition waiting period and requiring a health screening outside those windows, which is one more reason the Medigap open enrollment period is the moment to buy.
Policy forms, for the record, are 97037H, 97038H and 97039H, with 97041H in Delaware, New York and Pennsylvania, 97049H in Wisconsin, 97049H and 97050H in Minnesota, and 97037HID, 97038HID and 97039HID in Idaho.
What It Costs
All figures below are from state regulators’ own filed-rate publications.
Maryland, monthly premiums as of July 1, 2026, non-tobacco:
Each cell shows male / female.
| Plan | Age 65 | Age 70 | Age 75 | Age 80 | Age 85 |
|---|---|---|---|---|---|
| Plan A | $231 / $213 | $291 / $268 | $337 / $311 | $379 / $350 | $395 / $364 |
| Plan D | $224 / $219 | $296 / $268 | $357 / $316 | $412 / $359 | $462 / $398 |
| Plan G | $224 / $219 | $296 / $269 | $358 / $316 | $413 / $360 | $463 / $398 |
| Plan N | $173 / $166 | $228 / $203 | $275 / $241 | $321 / $278 | $365 / $315 |
| Plan C (pre-2020 only) | $325 / $300 | $410 / $378 | $475 / $438 | $533 / $492 | $556 / $513 |
| Plan F (pre-2020 only) | $271 / $250 | $341 / $315 | $396 / $365 | $445 / $411 | $464 / $428 |
Tobacco rates run roughly 10% higher: Plan G is $247 for a 65-year-old male smoker and $509 at 85. State Farm also files under-65 disability rates in Maryland, at $302 a month for Plan A, $727 for Plan C and $825 to $839 for Plan D, available during open enrollment and guaranteed issue periods only.
Washington, community-rated, rates effective May 1, 2026 (chart current as of July 23, 2026): Plan A $252, Plan D $309, Plan G $310, Plan N $239, Plan C $409, Plan F $413. One price at any age 65 or older.
Maine, 2026 annual rates, non-smoker: Plan A $2,641, Plan D $3,293, Plan G $3,299, Plan N $2,538, Plan C $3,985, Plan F $4,026. Plan G works out to about $275 a month and Plan N to about $212. Smoker rates are roughly 10% higher. Maine’s chart lists State Farm’s pre-existing condition exclusion period as none.
Two things jump out of those tables.
Maryland is cheap and Washington is not. A 65-year-old in Maryland pays $219 to $224 for Plan G. The same plan in Washington is $310 for everyone. That is not State Farm being inconsistent, it is the difference between attained-age and community rating. Washington’s and Maine’s charts carry no age columns at all, because both states require one price for every applicant 65 and older, which means a 65-year-old effectively subsidizes an 85-year-old. Maryland’s chart, by contrast, breaks every carrier out at ages 65, 70, 75, 80 and 85.
Plan F is not worth what State Farm charges for it, and that is normal. Plan F differs from Plan G by exactly one benefit, the Medicare Part B deductible, which is $283 in 2026 per CMS’s November 14, 2025 fact sheet, or about $23.58 a month. State Farm’s Maryland gap between F and G is $47 a month at 65, twice the value of the benefit. Maine’s Bureau of Insurance flags this pattern directly in a footnote on its own chart, advising consumers to consider D over C and G over F to save money. Our Plan F cost page walks through the math, and Plan G vs Plan N covers the other comparison that actually matters.
Whatever the carrier charges, you keep paying Medicare the standard Part B premium of $202.90 a month in 2026. See Medigap cost for the full budget picture, plus the Plan G and Plan N breakdowns.
Who It’s Good For and Who Should Skip It
A good fit if you already have State Farm auto and home and want one agent. This is the actual selling point. Medigap benefits are federally standardized, so a Plan G is a Plan G no matter who writes it. What differs is price and service, and consolidating the policy with an agent who already knows you is a legitimate reason to pay a few dollars more.
A good fit if the filed rates in your state are competitive. In Maryland they are: $219 to $224 for Plan G at 65 is toward the low end of that state’s chart. In Maine and Washington the picture is more middling.
Think twice if you want the widest plan menu. No Plan K, no Plan L, no Plan M, and no high-deductible G in any state page reviewed. If you want a low-premium, high-deductible structure, State Farm does not sell one.
Think twice if you live in a community-rated state. Buying an attained-age carrier at 65 usually beats a community-rated price at 65, but the reverse is true at 80. Compare on your own age, not on a headline.
Skip it if you live in CT, MA, NJ, NY or RI, based on State Farm’s own state pages, or if you want to buy without talking to anyone.
On the Multi-Line Question
State Farm markets Medicare Supplement through the same agent network as its property and casualty products, and that raises an obvious question: is there a bundling discount?
Nothing in State Farm’s published Medicare Supplement material, and nothing in Maryland’s, Washington’s or Maine’s filed-rate charts, documents a multi-line, household or multi-policy discount on the Medigap premium. By contrast, Maryland’s guide does spell out discount programs for other carriers on the same pages, including a 10% multi-insured discount and a tiered early-enrollment discount on the AARP-branded plans. The absence in State Farm’s filing is not proof that no agent-level courtesy exists, but no published source supports it. Ask your agent directly and get the answer in writing before you treat it as part of the price.
The Bottom Line
State Farm is a legitimate Medigap carrier with current 2026 filings in at least Maryland, Washington and Maine, a limited plan menu of A, C, D, F, G and N in most states, attained-age pricing, and an agent-only purchase path. Its Maryland Plan G rate at 65 is genuinely competitive; its Washington rate is not, for reasons that have more to do with state rating rules than with State Farm.
Do two things before you buy. Pull your own state insurance department’s Medigap rate chart and compare State Farm’s Plan G or Plan N against every other carrier on the same line, because that is the only apples-to-apples price comparison that exists. And confirm availability with a local agent rather than trusting either of the two conflicting lists on statefarm.com.
Then get competing quotes from Mutual of Omaha, Cigna, Humana, United American, the AARP-branded UnitedHealthcare plans, Blue Cross and, if you qualify, USAA. If you are weighing Medigap against a zero-premium alternative, read Medicare Advantage vs Medigap first, because switching back later is not guaranteed. And if premiums are a stretch, check Medicare Savings Programs, which can cover the Part B premium you owe regardless of carrier.
One timing note. Maryland’s guide refreshes each January 1 and July 1, and every 2026 Medicare figure resets on January 1, 2027, so treat these as a July 2026 snapshot. Medigap has no annual open enrollment window, so unlike Part D you can apply any time, subject to underwriting outside your protected periods.