Medigap Rates in Dallas–Fort Worth: Plan G Market File

Dallas–Fort Worth sits near the middle of the national Medigap price table — competitive carrier density, moderate utilization benchmarks, and no state switching rights to rescue a bad first pick. North Texas buyers win or lose on carrier selection in year one.

Metric	DFW market	Context
Plan G, age 65, non-tobacco (monthly)	$105–155 across carriers	Mid-band national pricing
Plan N, age 65, non-tobacco	$85–125	Wide carrier spread
Attained-age increase pattern	2–5%/yr	Several issue-age books available
Guaranteed-issue scope	Federal GI only	No annual re-shop right
Excess-charge exposure	Low — most N. TX providers take assignment	N and D are viable designs here

The DFW market structure

Texas is an open competition market: a dozen national carriers file DFW tables, and spread between cheapest and priciest G quotes routinely exceeds 45%. No carrier stays cheapest forever — filed increases decide the five-year winner — so the initial quote matters less than the book’s increase history and pricing model.

Strategy for North Texas buyers

Shortlist carriers by five-year increase record, not entry quote. Verify your hospital system (Baylor Scott & White, Texas Health) needs no excess-charge caveats — if clean, Plan N’s discount is unusually safe here. And because Texas grants no birthday rule, document your health at purchase: the profile you can underwrite back into later is the one you keep options on.

FAQ

Does Texas have a Medigap birthday rule?

No — Texas buyers rely on federal GI events only; plan switching later requires passing underwriting.

Are excess charges common in Dallas?

Rare — the dominant provider groups accept Medicare assignment, which keeps N and D fully viable.

What is a realistic five-year G premium trajectory in DFW?

On a healthy issue-age book, roughly 2–3%/yr; hot attained-age books can double in under a decade.

Related reading: Texas state rules · Increase patterns · N vs G math · Carrier board