HealthSpring Medicare Supplement Insurance
- Best for: Price-first Plan G and N shoppers, especially in Ohio and Texas
- What Sets It Apart: Women’s Plan G below the median price in Dallas, Columbus, and Phoenix; 5% online discount in some states; Cigna’s former Medigap line, now owned by HCSC
- Cost: Plan G at 65 on Medicare.gov (September 2026): $134.53 to $207.51 a month for a woman and $154.71 to $238.64 for a man in Dallas, Columbus, and Phoenix
- Features: Plans A, G, N, and high-deductible G (F if eligible before 2020); attained-age pricing in Texas and Ohio, issue-age in Arizona; apply online, by phone, or through a broker
- Pros: Women’s Plan G ranks 3rd of 41 in Columbus, and Plan N 2nd of 39 in Columbus and 8th of 30 in Dallas; online and household discounts; second-slowest premium increases of any insurer NerdWallet reviews, 6.1% a year
- Cons: Complaints 48% above the Medigap average from 2023 to 2025 (NerdWallet, NAIC data); issuer absent from AM Best’s rating releases; Plan G up 19% in Ohio in 2026; not sold in Massachusetts or New York
Put HealthSpring’s Medicare Supplement plans on your quote list if price comes first. Its Plan G for a 65-year-old woman came in below the median policy in all three markets we checked, and 3rd of 41 in Columbus. Weigh that against a complaint rate well above the Medigap average before you apply.
HealthSpring is Cigna’s former Medigap line, which Health Care Service Corporation (HCSC) bought in March 2025 and finished rebranding in September 2026. It suits price-first shoppers, especially in Columbus and Dallas.
Key Features
- Plans A, G, N, and high-deductible G, plus F if you qualified for Medicare before 2020
- Plan G at 65 on Medicare.gov (September 2026): $172.60 a month for a woman and $198.49 for a man in Dallas, $134.53 and $154.71 in Columbus, and $207.51 and $238.64 in Phoenix
- Plan N at 65, $97.29 to $148.33 for a woman and $111.88 to $170.58 for a man; high-deductible G, $45.87 to $74.93 for a woman and $52.75 to $86.17 for a man
- Women’s Plan G ranks 13th of 33 policies in Dallas, 3rd of 41 in Columbus, and 19th of 39 in Phoenix, counting from the cheapest
- Attained-age pricing in Texas and Ohio, so premiums rise as you age; issue-age pricing in Arizona
Pros
- Women’s Plan N ranks 8th of 30 in Dallas and 2nd of 39 in Columbus
- 5% off for applying online in Texas and Arizona, plus a household discount that’s 7% in Columbus
- Premium increases averaged 6.1% a year over three years in the three cities NerdWallet tracks, the second-slowest of any insurer it reviews
- Apply online, by phone, or through a broker
Cons
- Members complained 48% more often than the Medigap average from 2023 to 2025, per NerdWallet’s reading of NAIC data
- The issuer in all three cities, HealthSpring Insurance Company, is new to Medigap, with one confirmed complaint in each of 2024 and 2025 (NAIC index 1.31 in 2025), and AM Best’s rating releases don’t name it
- Plan G up 19% in Ohio in April 2026, per filings compiled by CSG Actuarial
- Women’s high-deductible Plan G ranks 15th of 19 in Dallas and 17th of 19 in Phoenix
- Not sold in Massachusetts or New York
Price-first shoppers in Columbus and Dallas should get a HealthSpring quote. If you already hold a Cigna Medigap policy, it stays in force under the HealthSpring name, and HealthSpring says coverage and benefits don’t change.
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