Medicare Supplement
Medigap in Idaho for 2027: 16 Insurers and the Plans They Sell
BOISE, Idaho — As Idahoans sort through their Medicare choices for the 2027 plan year, Medicare Supplement insurance — better known as Medigap — is one of the pieces worth understanding on its own terms. Medicare.gov's Medigap policy search for ZIP code 83702 lists 16 insurers selling standardized Medigap policies to Idaho residents, across most of the federal plan letters. Here is a plain-English look at who shows up on that list, what the standardized letters mean, when a person has the strongest right to buy, and how prescription coverage fits in separately.
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Click to call 855-729-3240Key takeaways
- Medicare.gov's Medigap search for ZIP code 83702 lists 16 insurers selling standardized Medigap plans to Idaho residents.
- The federal six-month Medigap Open Enrollment Period, which begins when someone is 65 or older and enrolled in Part B, is the one window when any listed Medigap policy must be sold without medical underwriting.
- In 2027, 14 Medicare Advantage plans offered in Idaho in 2026 are not returning anywhere in the state, and affected members get a federal guaranteed-issue right to buy certain Medigap plans.
- Medigap does not include prescription drug coverage, so a separate Part D plan is chosen during Annual Enrollment, October 15 – December 7, 2026, for coverage that starts January 1, 2027.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
What is Medigap and how is it different from Medicare Advantage in Idaho?
Medigap is private insurance that works alongside Original Medicare (Part A and Part B) to help pay some of the out-of-pocket costs Medicare leaves behind, such as coinsurance and deductibles. It is not Medicare Advantage. A person with Medigap keeps Original Medicare as their primary coverage and uses any provider that accepts Medicare, while Medicare Advantage replaces how Original Medicare pays and typically uses plan networks. A person generally cannot have both at the same time.
Medigap policies sold today are standardized by the federal government and labeled with letters. That means Plan G from one insurer provides the same core benefits as Plan G from another insurer; what varies is price, service, and the insurer behind it.
Which Medigap insurers and plan letters are listed for Idaho in 2027?
For ZIP code 83702, Medicare.gov's Medigap policy search lists 16 insurers. What is actually available can differ by ZIP code within Idaho and by age, sex and tobacco use, so the list for another address may look different.
The insurers listed, with the plan letters shown for each:
- AARP – UnitedHealthcare Insurance Company: A, B, C, F, G, K, L, N
- Aetna Health and Life Insurance Company: A, B, F, F-HD, G, N
- AFLAC: A, F, G, N
- Bankers Life (underwritten by Washington National Insurance Company): A, F, G, G-HD, N
- Blue Cross of Idaho: A, F, G, G-HD, N
- GPM Health and Life Insurance Company: A, F, G, N
- Guarantee Trust Life Insurance Company: A, F, G, N
- Humana Value (HumanaDental Insurance Company): A, F, F-HD, G, G-HD, K, N
- Insurance Company of North America: A, F, G, G-HD, N
- Medco Containment Life Insurance Company: A, F, F-HD, G, N
- Moda Health Plan, Inc.: A, G, G-HD, N
- Mutual of Omaha (Omaha Insurance Company): A, F, G, G-HD, N
- Regence BlueShield of Idaho: 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, K, L, N
- USAA Life Insurance Company: A, F, G, N
Across the Idaho list, the plan letters sold by at least one insurer are A, B, C, D, F, F-HD, G, G-HD, K, L, and N. One important federal rule: Plans C and F are closed to people who became newly eligible for Medicare on or after January 1, 2020. For benefit details on any specific letter, Medicare.gov publishes a side-by-side chart.
What is the six-month Medigap Open Enrollment Period in Idaho, and why does it matter?
The federal Medigap Open Enrollment Period is a one-time, six-month window that starts the month a person is both age 65 or older and enrolled in Medicare Part B. During that window, any Medigap policy sold in Idaho must be offered without medical underwriting — meaning the insurer cannot refuse coverage or charge more because of health history.
Outside that window, insurers in most situations can ask health questions and decide whether to sell a policy and at what price. That is why the six-month window matters: it is the broadest right to buy a Medigap plan a person will usually have.
What happens if my Medicare Advantage plan is not returning to Idaho in 2027?
In Idaho, 14 Medicare Advantage plans offered in 2026 will not be offered anywhere in the state in 2027, according to CMS Landscape files. Members of a plan that is not returning get a federal guaranteed-issue right to buy certain Medigap plans, which means insurers must sell those plans without using medical underwriting, within the time limits set by federal rules.
Affected members should receive a non-renewal notice from their current plan explaining their options. Medicare.gov and 1-800-MEDICARE can confirm which specific Medigap plans qualify for guaranteed issue and the deadlines that apply.
Does Medigap cover prescriptions in Idaho, or do I need a separate Part D plan?
Medigap sold today does not include prescription drug coverage, so Idahoans who want drug coverage choose a stand-alone Medicare Part D plan separately. For 2027, Part D has an annual out-of-pocket cap of $2,400 (up from $2,100 in 2026), and the most any Part D plan may charge as a deductible is $700. The Part D base beneficiary premium used in the federal late-enrollment penalty calculation is $41.33 for 2027; actual plan premiums are set by each plan.
Annual Enrollment for 2027 runs October 15 – December 7, 2026, and choices made in that window take effect January 1, 2027. The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027.
How should I compare Medigap policies in Idaho for 2027?
Because the benefits inside each lettered plan are standardized, comparing Medigap policies in Idaho largely comes down to the insurer, the price for the same letter, and how the insurer handles rate increases over time. The Medigap policy search at Medicare.gov lets a person enter their ZIP code and see the insurers and plan letters available, and insurers' own documents spell out the specifics.
A few questions worth asking each insurer: how premiums are structured and how they change with age, what the current rate is for the exact plan letter at the applicant's ZIP code and rating category, and whether any household or payment discounts apply.
Where can Idahoans get free help with Medicare in 2027?
Two no-cost federal resources are available year-round. Medicare.gov hosts the Medigap policy search, the Plan Finder for Part D, and the standardized Medigap benefit chart. 1-800-MEDICARE (TTY 1-877-486-2048) answers questions by phone 24 hours a day, seven days a week, and can confirm guaranteed-issue rights and enrollment windows.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
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When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Good to know
Frequently asked questions
How many Medigap insurers are listed for Idaho for 2027?
Which Medigap plan letters are sold in Idaho?
Do I get a guaranteed right to buy a Medigap plan if my Medicare Advantage plan is leaving Idaho?
Does Medigap include prescription drug coverage in 2027?
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- Medicare.gov Medigap policy search
Figures cited in this article
- Medicare.gov: the Medigap policy search results for ZIP code 83702, including the 16 insurers and the plan letters each sells.
- CMS Landscape Source Files: the count of 14 Medicare Advantage plans offered in Idaho in 2026 and not offered anywhere in the state in 2027.
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): the federal standardized plan letters, the six-month Medigap Open Enrollment Period, guaranteed-issue rights, and the Plans C and F eligibility rule for people newly eligible on or after January 1, 2020.
- CMS — Medicare enrollment periods (medicare.gov): Annual Enrollment dates of October 15 – December 7, 2026 and a January 1, 2027 effective date.
- CMS: the 2027 Part D out-of-pocket cap of $2,400, the $700 maximum Part D deductible, and the $41.33 Part D base beneficiary premium.
- Social Security Administration: the October 14, 2026 announcement of a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.