How To Buy Medicare Insurance (2026)

Once enrolled in Parts A and B, you typically choose one of two ways to "fill the gaps" in coverage:

Before you can buy private plans, you must have Original Medicare. how to buy medicare insurance

In 2025, Medicare Supplement premiums typically range from $32 to $550 per month . Once enrolled in Parts A and B, you

You can buy Medigap or Advantage plans from companies like State Farm (rated best overall for Medigap) or Mutual of Omaha. Private insurance that pays your share of costs

Private insurance that pays your share of costs (like the 20% Part B coinsurance). You have a 6-month open enrollment period starting the month you are 65 and enrolled in Part B, where you can buy any plan regardless of health history. Part D: A standalone plan to cover prescription drugs. Option B: Medicare Advantage (Part C)

Use the Medicare Plan Finder to compare star ratings and member experience scores.

A licensed insurance broker can help compare multiple private plans at no cost to you.