State Farm Medicare Supplement Plans 2027: Agents, Plan Letters and Rating

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 30, 2026

State Farm Medicare Supplement plans are issued by State Farm Mutual Automobile Insurance Company and are sold only through State Farm agents. Most states get Plans A, D, G and N (plus C and F for people eligible for Medicare before 2020), and the issuing company holds an A+ (Superior) rating from AM Best.

2027 by the Numbers

A+

AM Best rating after a November 2025 downgrade from A++ (AM Best)

1922

year State Farm was founded in Illinois (State Farm)

$292

projected 2027 Part B deductible, which Plan G does not pay (Medicare Trustees)

Most people know State Farm for car and home insurance. Fewer know it also sells Medicare Supplement coverage through its neighborhood agents, and only through them. You can’t buy these plans from an independent broker or a quote website.

Below: who backs the policy, which plan letters State Farm sells, where it doesn’t sell, and how it lines up with two other carriers. Still choosing a plan letter? Start with our Medicare Supplement Plan G 2027 guide.

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Who Backs a State Farm Medicare Supplement Policy

State Farm Medicare Supplement 2027 at a glance: issuer, AM Best rating, sales channel and plan letters

State Farm’s own state pages name the issuer: State Farm Mutual Automobile Insurance Company of Bloomington, Illinois, the same mutual company that writes State Farm car insurance. There is no separate health subsidiary on your policy.

In November 2025, AM Best lowered State Farm’s financial strength rating from A++ (Superior) to A+ (Superior), with a stable outlook. The reasons were high auto and homeowners losses, heavy weather damage and a tough regulatory climate, not Medicare Supplement claims. AM Best said the balance sheet stayed at its strongest level.

Issuer on the policy. State Farm Mutual Automobile Insurance Company, Bloomington, Illinois.

Rating today. A+ (Superior) from AM Best, stable outlook, after the November 2025 action.

What the downgrade means for you. A+ is still AM Best’s second-highest grade. Your benefits are set by law and do not change with the rating.

Medicare Supplement Quotes

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Plan Letters State Farm Sells, and the Ones It Skips

State Farm’s benefit charts for states such as Georgia and Colorado list Plans A, C, D, F, G and N. Some reviewers also report Plan B in certain states. State Farm does not sell Plans K, L or M, and we did not find a high-deductible Plan G on its state pages.

Plan	Your share in 2027	Can you buy it?
Plan G	The Part B deductible (projected $292), then $0 for covered care	Yes, in most states State Farm serves
Plan N	Part B deductible, up to $20 for some office visits, up to $50 for ER visits that don’t lead to admission	Yes, in most states
Plan D	Part B deductible and Part B excess charges	Yes, in most states
Plan A	Part A deductible ($1,736 in 2026), Part B deductible and more	Yes
Plans C and F	Little or nothing for covered care	Only if you were eligible for Medicare before 2020

Plan list from State Farm’s Georgia and Colorado benefit charts. The 2027 Part B deductible is the Trustees projection; CMS sets the final figure in November.

Minnesota and Wisconsin: These states use their own plan designs. State Farm sells a Basic Plan, Extended Basic Plans and a $20/$50 copay plan in Minnesota, and a Basic policy with add-on riders in Wisconsin.

Why You Have to Buy Through a State Farm Agent

You can start a quote on State Farm’s website, but every state page says the same thing: finishing an application “will require contact with a State Farm agent/licensed insurance producer.” State Farm agents work only for State Farm. That means an independent broker who shows you five carriers at once usually cannot include State Farm in the lineup.

Upside: a local office. Your agent may already handle your car or home policy, so billing questions go to someone you know.

Downside: one company only. A State Farm agent quotes State Farm. You have to gather other carriers’ prices on your own.

Not sold everywhere. State Farm’s site says its agents do not market these plans in New York or New Jersey. A 2026 NerdWallet review adds Connecticut, Massachusetts and Rhode Island.

Under 65? State Farm says coverage is available in some states for people on Medicare because of a disability or End-Stage Renal Disease.

State Farm Next to Mutual of Omaha and Medico

Buying a State Farm Medicare Supplement plan through a State Farm agent compared with an independent broker

No single source lines these three carriers up, so we built this table from State Farm’s state pages, AM Best releases and the facts we verified for our other carrier reviews. Plan G benefits are identical at all three.

Feature	State Farm	Mutual of Omaha	Medico (Wellabe)
How you buy	State Farm agents only	Licensed agents	Licensed agents; no direct online quotes
AM Best rating	A+ (Superior)	A+ (Superior)	A (Excellent)
Main plan letters	A, D, G, N (C, F if eligible before 2020)	A, F, G, N; high-deductible F and G in some states	A, F, G, N and both high-deductible plans
Household discount	None advertised	7% or 12%, by state	Yes, if you live with someone 50+
Where sold	About 45 states and D.C.	Every state except Massachusetts	About 28 states
Extras	None advertised	Mutually Well wellness discounts	Dental rider in six states

Availability and discounts change by state. Confirm every row on your own quote.

The missing household discount is the biggest gap. Couples who would get 7% to 12% off elsewhere should compare final prices, not base rates. Our full Mutual of Omaha Medicare Supplement review covers its discount rules.

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What State Farm's Own Policy Pages Tell You

State Farm posts a page for each state with the exact policy form numbers behind its plans. In Georgia the series is 97037HGA, 97038HGA, 97039HGA, 97067GA, 97068GA and 97069GA, and Colorado uses a matching series ending in CO.

Rate language. The Colorado page says “Renewal premiums may increase periodically.” Ask your agent how your state’s premiums are set and when they change.

Wisconsin riders. The Basic policy can add riders for the Part A deductible, Part B excess charges, extra home health visits and foreign travel care with a $250 deductible and $50,000 lifetime cap.

Price history. NerdWallet’s 2026 review found State Farm premiums rose about 3.7% a year on average over three years, the lowest of the companies it reviewed.

Complaints and price. The same review, using NAIC data, found about 35% fewer complaints than average, but first-year prices ranged from among the cheapest to well above the lowest, depending on the city.

Tip: Write down your policy form number. It lets you look up the rate filing with your state insurance department later.

Getting a Fair Price on a State Farm Plan in 2027

Mark your enrollment window. In your six-month Medigap Open Enrollment Period, State Farm can’t turn you down or charge more for health reasons. Our open enrollment guide explains the dates.

Choose the plan letter first. Most new enrollees pick G or N. See our Plan G vs Plan N 2027 comparison.

Get the State Farm quote from a local agent. Ask for the monthly premium, the policy form number and how renewal rates are figured in your state.

Get at least two outside quotes. Because State Farm agents can’t show other carriers, compare the same plan letter from other companies yourself, including any household discount.

Budget for Part B. Your Part B premium is $202.90 a month in 2026 and projected at $209.50 for 2027. Add a separate Part D plan for drugs.

Bottom Line

State Farm is a sound choice for Plan G or Plan N if you like working with a local agent and its price is competitive in your ZIP code. It has an A+ rating, slow recent rate growth and few complaints, but no household discount and no sales in five Northeast states. Get its quote, then compare two other carriers before you sign.

See 2027 Medicare Supplement rates for your ZIP code

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State Farm Medicare Supplement — Frequently Asked Questions

➤ Which State Farm company issues the Medicare Supplement policy?

State Farm Mutual Automobile Insurance Company of Bloomington, Illinois, issues the policies. It is the same company that writes State Farm auto insurance.

➤ Can an independent broker sell me a State Farm Medicare Supplement plan?

Usually not. State Farm says an application requires contact with a State Farm agent or licensed producer, and its agents represent only State Farm.

➤ Why did State Farm’s AM Best rating drop in 2025?

AM Best cut the rating from A++ to A+ in November 2025 because of auto and homeowners losses, weather damage and regulatory pressure. A+ is still rated Superior, and Medicare Supplement benefits are not affected.

➤ Is State Farm Medicare Supplement sold in New York or New Jersey?

No. State Farm’s site says its agents do not market these plans in New York or New Jersey. Reviews also list Connecticut, Massachusetts and Rhode Island as not served.

➤ Does State Farm give a discount if my spouse also enrolls?

State Farm does not advertise a household or spouse discount on these plans. Each person needs a separate policy, so compare the combined price with carriers that do offer one.

➤ Does State Farm sell high-deductible Plan G?

We did not find high-deductible Plan G on State Farm’s state pages. If you want that plan, you will likely need another carrier.

➤ Can I get State Farm coverage if I’m under 65 and on Medicare?

In some states, yes. State Farm says coverage may be available to people under 65 who qualify for Medicare because of a disability or End-Stage Renal Disease.

➤ Will my State Farm premium go up each year?

It can. State Farm’s pages say renewal premiums may increase periodically. A 2026 NerdWallet review found its increases averaged about 3.7% a year, lower than the other companies it reviewed.

New to Medicare?

If you are new to Medicare, then you can enroll in a 2027 Medicare Supplement plan up to six months prior to your Medicare Part B effective date.

Call one of our licensed insurance agents to see what the best time frame is for you to enroll, based on your current situation. You can contact them at 1-855-409-6195.

Medicare Supplement Quotes

Call a Licensed Agent Now

Compare 2027 Plan G, Plan N and more from several insurance companies in one call.

☎ 1-855-409-6195

TTY users 711 | Mon–Fri: 5am–7pm, Sat–Sun: 7am–4pm CT

No obligation to enroll

Speak with a licensed insurance agent

1-855-409-6195

Compare plans in your area

1-855-409-6195 TTY 711

State Farm Medicare Supplement Plans 2027: Agents, Plan Letters and Rating

Compare 2027 State Farm Medicare Supplement Rates

Speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT

Who Backs a State Farm Medicare Supplement Policy

Plan Letters State Farm Sells, and the Ones It Skips

Why You Have to Buy Through a State Farm Agent

State Farm Next to Mutual of Omaha and Medico

Compare plans & benefits in your area

Or speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT

What State Farm's Own Policy Pages Tell You

Getting a Fair Price on a State Farm Plan in 2027

Bottom Line

See 2027 Medicare Supplement rates for your ZIP code

Speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT

State Farm Medicare Supplement — Frequently Asked Questions

New to Medicare?

Compare plans & benefits in your area

Or speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT