Compare 2026 Medicare Supplement (Medigap) rates in Alabama. Our licensed, independent agents help you find the best plan at the best price — whether you're new to Medicare or looking to switch carriers.
2026 averages for age 65, non-tobacco. Rates vary by carrier, ZIP, and underwriting.
2026 average monthly premiums for non-tobacco users across all carriers.
| Age | Avg. Monthly Rate |
|---|---|
| 65 | $232/mo |
| 70 | $244/mo |
| 75 | $286/mo |
| 80 | $330/mo |
Rates are statewide averages across all carriers. Your actual premium will vary by carrier, zip code, health status, and underwriting factors. Get a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Figures for Medicare Supplement (Medigap) on this page use 2026 filed or community rates from our carrier-rate dataset for Alabama. Averages roll up multiple carriers and rate classes for the age, gender, and plan letter you select. Your premium can still differ based on ZIP code, underwriting, household discounts, and how the carrier bills the policy. Treat tables as directional guidance, not a binding quote.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $93/mo | $114/mo | $118/mo | $118/mo |
| State Farm Mutual Automobile Insurance Company | $104/mo | $131/mo | $151/mo | $170/mo |
| AARP - UnitedHealthcare Insurance Company | $114/mo | $125/mo | $154/mo | $182/mo |
| First Health Life & Health Insurance Company | $132/mo | $150/mo | $167/mo | $177/mo |
| HealthSpring Insurance Company | $134/mo | $138/mo | $169/mo | $211/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $157/mo | $166/mo | $195/mo | $230/mo |
| Humana Insurance Company | $166/mo | $178/mo | $212/mo | $258/mo |
| BlueCross BlueShield of Alabama | $177/mo | $177/mo | $177/mo | $177/mo |
| Woodmen Of The World Life Insurance Society | $177/mo | $179/mo | $215/mo | $270/mo |
| AFLAC | $191/mo | $209/mo | $246/mo | $282/mo |
| Guarantee Trust Life Insurance Company | $283/mo | $300/mo | $338/mo | $391/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $107/mo | $131/mo | $136/mo | $136/mo |
| State Farm Mutual Automobile Insurance Company | $112/mo | $142/mo | $164/mo | $184/mo |
| AARP - UnitedHealthcare Insurance Company | $129/mo | $141/mo | $173/mo | $206/mo |
| First Health Life & Health Insurance Company | $144/mo | $165/mo | $183/mo | $194/mo |
| HealthSpring Insurance Company | $151/mo | $154/mo | $189/mo | $237/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $180/mo | $191/mo | $225/mo | $265/mo |
| Humana Insurance Company | $184/mo | $198/mo | $236/mo | $288/mo |
| BlueCross BlueShield of Alabama | $177/mo | $177/mo | $177/mo | $177/mo |
| Woodmen Of The World Life Insurance Society | $203/mo | $206/mo | $247/mo | $310/mo |
| AFLAC | $218/mo | $239/mo | $281/mo | $323/mo |
| Guarantee Trust Life Insurance Company | $317/mo | $337/mo | $382/mo | $444/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $151/mo | $176/mo | $200/mo | $220/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $166/mo | $176/mo | $207/mo | $244/mo |
| AARP - UnitedHealthcare Insurance Company | $184/mo | $202/mo | $247/mo | $293/mo |
| United American Insurance Company | $240/mo | $301/mo | $328/mo | $329/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $164/mo | $192/mo | $218/mo | $240/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $191/mo | $203/mo | $238/mo | $281/mo |
| AARP - UnitedHealthcare Insurance Company | $207/mo | $228/mo | $279/mo | $331/mo |
| United American Insurance Company | $276/mo | $345/mo | $377/mo | $379/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $192/mo | $242/mo | $281/mo | $315/mo |
| AARP - UnitedHealthcare Insurance Company | $214/mo | $235/mo | $288/mo | $341/mo |
| United American Insurance Company | $258/mo | $327/mo | $368/mo | $396/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $208/mo | $263/mo | $304/mo | $342/mo |
| AARP - UnitedHealthcare Insurance Company | $241/mo | $265/mo | $325/mo | $385/mo |
| United American Insurance Company | $297/mo | $376/mo | $423/mo | $455/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $153/mo | $187/mo | $220/mo | $251/mo |
| United American Insurance Company | $240/mo | $310/mo | $351/mo | $380/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $156/mo | $206/mo | $249/mo | $287/mo |
| United American Insurance Company | $276/mo | $356/mo | $404/mo | $437/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring Insurance Company Lowest | $169/mo | $173/mo | $201/mo | $241/mo |
| State Farm Mutual Automobile Insurance Company | $194/mo | $245/mo | $284/mo | $319/mo |
| Woodmen Of The World Life Insurance Society | $197/mo | $197/mo | $233/mo | $281/mo |
| AFLAC | $198/mo | $210/mo | $253/mo | $313/mo |
| Humana Insurance Company | $204/mo | $219/mo | $262/mo | $319/mo |
| AARP - UnitedHealthcare Insurance Company | $215/mo | $237/mo | $290/mo | $343/mo |
| First Health Life & Health Insurance Company | $246/mo | $289/mo | $331/mo | $368/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $249/mo | $264/mo | $310/mo | $365/mo |
| United American Insurance Company | $306/mo | $387/mo | $435/mo | $468/mo |
| Guarantee Trust Life Insurance Company | $359/mo | $381/mo | $453/mo | $566/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring Insurance Company Lowest | $190/mo | $193/mo | $226/mo | $270/mo |
| State Farm Mutual Automobile Insurance Company | $211/mo | $265/mo | $307/mo | $345/mo |
| Woodmen Of The World Life Insurance Society | $227/mo | $227/mo | $268/mo | $323/mo |
| AFLAC | $227/mo | $241/mo | $289/mo | $358/mo |
| Humana Insurance Company | $228/mo | $244/mo | $292/mo | $355/mo |
| AARP - UnitedHealthcare Insurance Company | $243/mo | $267/mo | $327/mo | $387/mo |
| First Health Life & Health Insurance Company | $267/mo | $313/mo | $359/mo | $400/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $286/mo | $304/mo | $356/mo | $420/mo |
| United American Insurance Company | $352/mo | $445/mo | $499/mo | $538/mo |
| Guarantee Trust Life Insurance Company | $402/mo | $427/mo | $507/mo | $634/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $51/mo | $68/mo | $84/mo | $91/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $59/mo | $78/mo | $97/mo | $104/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring Insurance Company Lowest | $125/mo | $128/mo | $157/mo | $197/mo |
| State Farm Mutual Automobile Insurance Company | $153/mo | $188/mo | $221/mo | $251/mo |
| First Health Life & Health Insurance Company | $162/mo | $191/mo | $220/mo | $246/mo |
| AFLAC | $165/mo | $170/mo | $204/mo | $270/mo |
| Humana Insurance Company | $177/mo | $189/mo | $226/mo | $276/mo |
| Woodmen Of The World Life Insurance Society | $177/mo | $180/mo | $216/mo | $271/mo |
| AARP - UnitedHealthcare Insurance Company | $182/mo | $200/mo | $245/mo | $290/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $215/mo | $228/mo | $269/mo | $316/mo |
| United American Insurance Company | $262/mo | $337/mo | $382/mo | $413/mo |
| Guarantee Trust Life Insurance Company | $294/mo | $313/mo | $372/mo | $465/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring Insurance Company Lowest | $140/mo | $144/mo | $176/mo | $220/mo |
| State Farm Mutual Automobile Insurance Company | $156/mo | $207/mo | $249/mo | $288/mo |
| First Health Life & Health Insurance Company | $176/mo | $207/mo | $238/mo | $266/mo |
| AFLAC | $189/mo | $195/mo | $234/mo | $309/mo |
| Humana Insurance Company | $197/mo | $211/mo | $252/mo | $307/mo |
| Woodmen Of The World Life Insurance Society | $204/mo | $207/mo | $248/mo | $312/mo |
| AARP - UnitedHealthcare Insurance Company | $205/mo | $226/mo | $277/mo | $328/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $248/mo | $263/mo | $309/mo | $364/mo |
| United American Insurance Company | $301/mo | $388/mo | $439/mo | $475/mo |
| Guarantee Trust Life Insurance Company | $329/mo | $350/mo | $416/mo | $521/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring Insurance Company Lowest | $41/mo | $42/mo | $52/mo | $64/mo |
| Humana Insurance Company | $42/mo | $45/mo | $54/mo | $65/mo |
| United American Insurance Company | $51/mo | $68/mo | $84/mo | $91/mo |
| Woodmen Of The World Life Insurance Society | $53/mo | $55/mo | $65/mo | $80/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $65/mo | $69/mo | $81/mo | $96/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring Insurance Company Lowest | $46/mo | $47/mo | $58/mo | $72/mo |
| Humana Insurance Company | $47/mo | $50/mo | $60/mo | $73/mo |
| United American Insurance Company | $59/mo | $78/mo | $97/mo | $104/mo |
| Woodmen Of The World Life Insurance Society | $61/mo | $63/mo | $75/mo | $92/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $75/mo | $80/mo | $94/mo | $110/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $60/mo | $66/mo | $82/mo | $97/mo |
| United American Insurance Company | $93/mo | $124/mo | $138/mo | $147/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $68/mo | $75/mo | $92/mo | $110/mo |
| United American Insurance Company | $107/mo | $142/mo | $159/mo | $169/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $121/mo | $133/mo | $163/mo | $193/mo |
| United American Insurance Company | $131/mo | $174/mo | $194/mo | $207/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $136/mo | $150/mo | $184/mo | $218/mo |
| United American Insurance Company | $150/mo | $199/mo | $223/mo | $237/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $91/mo | $107/mo | $124/mo | $140/mo |
| HealthSpring Insurance Company | $94/mo | $98/mo | $121/mo | $151/mo |
| Humana Insurance Company | $110/mo | $118/mo | $141/mo | $172/mo |
| AFLAC | $111/mo | $124/mo | $154/mo | $197/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $111/mo | $124/mo | $147/mo | $172/mo |
| State Farm Mutual Automobile Insurance Company | $116/mo | $142/mo | $168/mo | $194/mo |
| Woodmen Of The World Life Insurance Society | $134/mo | $137/mo | $166/mo | $205/mo |
| AARP - UnitedHealthcare Insurance Company | $145/mo | $159/mo | $196/mo | $232/mo |
| Guarantee Trust Life Insurance Company | $239/mo | $254/mo | $302/mo | $378/mo |
| United American Insurance Company | $272/mo | $353/mo | $404/mo | $442/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $98/mo | $115/mo | $134/mo | $151/mo |
| HealthSpring Insurance Company | $106/mo | $110/mo | $135/mo | $169/mo |
| Humana Insurance Company | $123/mo | $131/mo | $157/mo | $191/mo |
| AFLAC | $127/mo | $141/mo | $177/mo | $225/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $128/mo | $143/mo | $169/mo | $198/mo |
| State Farm Mutual Automobile Insurance Company | $121/mo | $159/mo | $192/mo | $224/mo |
| Woodmen Of The World Life Insurance Society | $154/mo | $158/mo | $191/mo | $236/mo |
| AARP - UnitedHealthcare Insurance Company | $164/mo | $180/mo | $221/mo | $262/mo |
| Guarantee Trust Life Insurance Company | $268/mo | $285/mo | $338/mo | $423/mo |
| United American Insurance Company | $312/mo | $406/mo | $464/mo | $508/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $93/mo | $114/mo | $118/mo | $118/mo |
| State Farm Mutual Automobile Insurance Company | $106/mo | $133/mo | $154/mo | $173/mo |
| First Health Life & Health Insurance Company | $139/mo | $159/mo | $176/mo | $187/mo |
| Humana Insurance Company | $166/mo | $178/mo | $212/mo | $258/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $167/mo | $177/mo | $208/mo | $245/mo |
| BlueCross BlueShield of Alabama | $177/mo | $177/mo | $177/mo | $177/mo |
| Woodmen Of The World Life Insurance Society | $185/mo | $188/mo | $225/mo | $283/mo |
| AFLAC | $200/mo | $219/mo | $258/mo | $296/mo |
| AARP - UnitedHealthcare Insurance Company | $205/mo | $211/mo | $221/mo | $231/mo |
| HealthSpring Insurance Company | $206/mo | $211/mo | $259/mo | $324/mo |
| Guarantee Trust Life Insurance Company | $295/mo | $313/mo | $352/mo | $407/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $107/mo | $131/mo | $136/mo | $136/mo |
| State Farm Mutual Automobile Insurance Company | $115/mo | $144/mo | $167/mo | $188/mo |
| First Health Life & Health Insurance Company | $152/mo | $174/mo | $193/mo | $205/mo |
| Humana Insurance Company | $184/mo | $198/mo | $236/mo | $288/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $192/mo | $204/mo | $239/mo | $282/mo |
| BlueCross BlueShield of Alabama | $177/mo | $177/mo | $177/mo | $177/mo |
| Woodmen Of The World Life Insurance Society | $213/mo | $216/mo | $259/mo | $325/mo |
| AFLAC | $229/mo | $250/mo | $295/mo | $339/mo |
| AARP - UnitedHealthcare Insurance Company | $231/mo | $238/mo | $250/mo | $261/mo |
| HealthSpring Insurance Company | $231/mo | $236/mo | $290/mo | $363/mo |
| Guarantee Trust Life Insurance Company | $330/mo | $351/mo | $398/mo | $462/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $159/mo | $185/mo | $211/mo | $232/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $177/mo | $188/mo | $220/mo | $260/mo |
| United American Insurance Company | $240/mo | $301/mo | $328/mo | $329/mo |
| AARP - UnitedHealthcare Insurance Company | $329/mo | $339/mo | $356/mo | $372/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $173/mo | $202/mo | $230/mo | $253/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $203/mo | $216/mo | $253/mo | $299/mo |
| United American Insurance Company | $276/mo | $345/mo | $377/mo | $379/mo |
| AARP - UnitedHealthcare Insurance Company | $372/mo | $382/mo | $402/mo | $419/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $196/mo | $247/mo | $286/mo | $322/mo |
| United American Insurance Company | $258/mo | $327/mo | $368/mo | $396/mo |
| AARP - UnitedHealthcare Insurance Company | $383/mo | $394/mo | $414/mo | $432/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $213/mo | $268/mo | $310/mo | $349/mo |
| United American Insurance Company | $297/mo | $376/mo | $423/mo | $455/mo |
| AARP - UnitedHealthcare Insurance Company | $432/mo | $444/mo | $467/mo | $488/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $156/mo | $191/mo | $225/mo | $255/mo |
| United American Insurance Company | $240/mo | $310/mo | $351/mo | $380/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $159/mo | $210/mo | $254/mo | $293/mo |
| United American Insurance Company | $276/mo | $356/mo | $404/mo | $437/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $198/mo | $250/mo | $289/mo | $325/mo |
| Humana Insurance Company | $204/mo | $219/mo | $262/mo | $319/mo |
| Woodmen Of The World Life Insurance Society | $206/mo | $206/mo | $244/mo | $295/mo |
| AFLAC | $208/mo | $220/mo | $265/mo | $328/mo |
| First Health Life & Health Insurance Company | $259/mo | $304/mo | $349/mo | $389/mo |
| HealthSpring Insurance Company | $260/mo | $264/mo | $309/mo | $369/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $265/mo | $281/mo | $330/mo | $389/mo |
| United American Insurance Company | $306/mo | $387/mo | $435/mo | $468/mo |
| Guarantee Trust Life Insurance Company | $373/mo | $397/mo | $471/mo | $590/mo |
| AARP - UnitedHealthcare Insurance Company | $385/mo | $396/mo | $417/mo | $435/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $215/mo | $271/mo | $313/mo | $352/mo |
| Humana Insurance Company | $228/mo | $244/mo | $292/mo | $355/mo |
| Woodmen Of The World Life Insurance Society | $237/mo | $237/mo | $281/mo | $339/mo |
| AFLAC | $238/mo | $252/mo | $303/mo | $376/mo |
| First Health Life & Health Insurance Company | $281/mo | $330/mo | $379/mo | $422/mo |
| HealthSpring Insurance Company | $291/mo | $296/mo | $346/mo | $414/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $305/mo | $323/mo | $380/mo | $447/mo |
| United American Insurance Company | $352/mo | $445/mo | $499/mo | $538/mo |
| Guarantee Trust Life Insurance Company | $418/mo | $444/mo | $528/mo | $660/mo |
| AARP - UnitedHealthcare Insurance Company | $435/mo | $447/mo | $470/mo | $491/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $51/mo | $68/mo | $84/mo | $91/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $59/mo | $78/mo | $97/mo | $104/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $156/mo | $191/mo | $225/mo | $256/mo |
| First Health Life & Health Insurance Company | $171/mo | $201/mo | $232/mo | $260/mo |
| AFLAC | $173/mo | $179/mo | $214/mo | $283/mo |
| Humana Insurance Company | $177/mo | $189/mo | $226/mo | $276/mo |
| Woodmen Of The World Life Insurance Society | $186/mo | $189/mo | $226/mo | $284/mo |
| HealthSpring Insurance Company | $192/mo | $197/mo | $241/mo | $302/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $229/mo | $243/mo | $286/mo | $337/mo |
| United American Insurance Company | $262/mo | $337/mo | $382/mo | $413/mo |
| Guarantee Trust Life Insurance Company | $306/mo | $325/mo | $387/mo | $484/mo |
| AARP - UnitedHealthcare Insurance Company | $368/mo | $377/mo | $380/mo | $396/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $159/mo | $211/mo | $254/mo | $294/mo |
| First Health Life & Health Insurance Company | $185/mo | $218/mo | $251/mo | $281/mo |
| AFLAC | $198/mo | $205/mo | $245/mo | $324/mo |
| Humana Insurance Company | $197/mo | $211/mo | $252/mo | $307/mo |
| Woodmen Of The World Life Insurance Society | $214/mo | $217/mo | $260/mo | $327/mo |
| HealthSpring Insurance Company | $215/mo | $220/mo | $270/mo | $338/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $264/mo | $280/mo | $329/mo | $388/mo |
| United American Insurance Company | $301/mo | $388/mo | $439/mo | $475/mo |
| Guarantee Trust Life Insurance Company | $343/mo | $364/mo | $433/mo | $542/mo |
| AARP - UnitedHealthcare Insurance Company | $415/mo | $426/mo | $429/mo | $447/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Humana Insurance Company | $42/mo | $45/mo | $54/mo | $65/mo |
| United American Insurance Company | $51/mo | $68/mo | $84/mo | $91/mo |
| Woodmen Of The World Life Insurance Society | $55/mo | $57/mo | $69/mo | $84/mo |
| HealthSpring Insurance Company | $63/mo | $64/mo | $79/mo | $99/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $70/mo | $74/mo | $87/mo | $102/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Humana Insurance Company | $47/mo | $50/mo | $60/mo | $73/mo |
| United American Insurance Company | $59/mo | $78/mo | $97/mo | $104/mo |
| Woodmen Of The World Life Insurance Society | $64/mo | $66/mo | $79/mo | $97/mo |
| HealthSpring Insurance Company | $70/mo | $72/mo | $88/mo | $111/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $80/mo | $85/mo | $100/mo | $118/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $93/mo | $124/mo | $138/mo | $147/mo |
| AARP - UnitedHealthcare Insurance Company | $109/mo | $112/mo | $118/mo | $123/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $107/mo | $142/mo | $159/mo | $169/mo |
| AARP - UnitedHealthcare Insurance Company | $123/mo | $127/mo | $133/mo | $139/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $131/mo | $174/mo | $194/mo | $207/mo |
| AARP - UnitedHealthcare Insurance Company | $217/mo | $223/mo | $234/mo | $245/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $150/mo | $199/mo | $223/mo | $237/mo |
| AARP - UnitedHealthcare Insurance Company | $245/mo | $252/mo | $264/mo | $276/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $96/mo | $113/mo | $131/mo | $148/mo |
| Humana Insurance Company | $110/mo | $118/mo | $141/mo | $172/mo |
| AFLAC | $116/mo | $129/mo | $162/mo | $206/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $118/mo | $132/mo | $156/mo | $183/mo |
| State Farm Mutual Automobile Insurance Company | $118/mo | $145/mo | $172/mo | $198/mo |
| Woodmen Of The World Life Insurance Society | $140/mo | $144/mo | $174/mo | $215/mo |
| HealthSpring Insurance Company | $144/mo | $150/mo | $185/mo | $231/mo |
| Guarantee Trust Life Insurance Company | $249/mo | $265/mo | $314/mo | $393/mo |
| AARP - UnitedHealthcare Insurance Company | $260/mo | $268/mo | $281/mo | $294/mo |
| United American Insurance Company | $272/mo | $353/mo | $404/mo | $442/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $103/mo | $122/mo | $141/mo | $159/mo |
| Humana Insurance Company | $123/mo | $131/mo | $157/mo | $191/mo |
| AFLAC | $133/mo | $148/mo | $185/mo | $236/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $136/mo | $152/mo | $180/mo | $211/mo |
| State Farm Mutual Automobile Insurance Company | $123/mo | $162/mo | $196/mo | $228/mo |
| Woodmen Of The World Life Insurance Society | $161/mo | $165/mo | $200/mo | $248/mo |
| HealthSpring Insurance Company | $162/mo | $168/mo | $207/mo | $259/mo |
| Guarantee Trust Life Insurance Company | $279/mo | $296/mo | $352/mo | $441/mo |
| AARP - UnitedHealthcare Insurance Company | $294/mo | $302/mo | $317/mo | $331/mo |
| United American Insurance Company | $312/mo | $406/mo | $464/mo | $508/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes
Why this matters: Carriers price the same Plan A differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the Alabama carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $114 – $121/mo |
| Level 2 | $283 – $301/mo | |
| HealthSpring Insurance Company | w / 20% HHD | $134 – $154/mo |
| w / 6% HHD | $158 – $181/mo | |
| Standard II w / 20% HHD | $202 – $231/mo | |
| Standard II w / 6% HHD | $237 – $272/mo | |
| Standard II | $252 – $289/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $129 – $137/mo |
| Level 2 | $319 – $340/mo | |
| HealthSpring Insurance Company | w / 20% HHD | $151 – $173/mo |
| w / 6% HHD | $177 – $203/mo | |
| Standard II w / 20% HHD | $226 – $259/mo | |
| Standard II w / 6% HHD | $265 – $304/mo | |
| Standard II | $282 – $324/mo |
Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.
Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes
Why this matters: Carriers price the same Plan B differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the Alabama carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $184 – $195/mo |
| Level 2 | $454 – $483/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $207 – $221/mo |
| Level 2 | $513 – $546/mo |
Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.
Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes
Why this matters: Carriers price the same Plan C differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the Alabama carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $214 – $228/mo |
| Level 2 | $529 – $562/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $241 – $257/mo |
| Level 2 | $596 – $634/mo |
Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.
Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes
Why this matters: Carriers price the same Plan F differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the Alabama carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $169 – $194/mo |
| w / 6% HHD | $199 – $228/mo | |
| Standard II w / 20% HHD | $254 – $291/mo | |
| Standard II w / 6% HHD | $299 – $342/mo | |
| Standard II | $318 – $364/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $215 – $229/mo |
| Level 2 | $532 – $566/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $190 – $218/mo |
| w / 6% HHD | $223 – $256/mo | |
| Standard II w / 20% HHD | $285 – $326/mo | |
| Standard II w / 6% HHD | $334 – $384/mo | |
| Standard II | $356 – $408/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $243 – $258/mo |
| Level 2 | $600 – $639/mo |
Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.
Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes
Why this matters: Carriers price the same Plan G differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the Alabama carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $125 – $144/mo |
| w / 6% HHD | $147 – $169/mo | |
| Standard II w / 20% HHD | $188 – $215/mo | |
| Standard II w / 6% HHD | $221 – $253/mo | |
| Standard II | $235 – $269/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $182 – $194/mo |
| Level 2 | $531 – $565/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $140 – $161/mo |
| w / 6% HHD | $165 – $189/mo | |
| Standard II w / 20% HHD | $210 – $241/mo | |
| Standard II w / 6% HHD | $247 – $283/mo | |
| Standard II | $263 – $302/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $205 – $219/mo |
| Level 2 | $599 – $638/mo |
Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.
Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes
Why this matters: Carriers price the same High-Deductible Plan G differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the Alabama carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $41 – $47/mo |
| w / 6% HHD | $48 – $55/mo | |
| Standard II w / 20% HHD | $62 – $71/mo | |
| Standard II w / 6% HHD | $72 – $83/mo | |
| Standard II | $77 – $88/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $46 – $53/mo |
| w / 6% HHD | $54 – $62/mo | |
| Standard II w / 20% HHD | $69 – $79/mo | |
| Standard II w / 6% HHD | $81 – $93/mo | |
| Standard II | $86 – $99/mo |
Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.
Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes
Why this matters: Carriers price the same Plan K differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the Alabama carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $60 – $64/mo |
| Level 2 | $151 – $160/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $68 – $73/mo |
| Level 2 | $171 – $181/mo |
Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.
Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes
Why this matters: Carriers price the same Plan L differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the Alabama carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $121 – $128/mo |
| Level 2 | $300 – $318/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $136 – $145/mo |
| Level 2 | $338 – $360/mo |
Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.
Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes
Why this matters: Carriers price the same Plan N differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the Alabama carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $94 – $108/mo |
| w / 6% HHD | $111 – $127/mo | |
| Standard II w / 20% HHD | $141 – $162/mo | |
| Standard II w / 6% HHD | $166 – $191/mo | |
| Standard II | $177 – $203/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $145 – $154/mo |
| Level 2 | $360 – $382/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $106 – $121/mo |
| w / 6% HHD | $124 – $142/mo | |
| Standard II w / 20% HHD | $158 – $182/mo | |
| Standard II w / 6% HHD | $186 – $213/mo | |
| Standard II | $198 – $227/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $164 – $174/mo |
| Level 2 | $406 – $431/mo |
Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.
No. Alabama does not have a birthday rule. Changing plans after your initital Medigap Open Enrollment Period (the 6 months you are initially eligible) requires standard health underwriting.
The standard age for Medicare eligibility is 65 in Alabama, unless an individual qualifies early due to an approved, long-term disability or condition such as end-stage renal disease (ESRD) or Lou Gehrig's Disease (ALS).
Yes. Insurance carriers cannot issue a supplemental policy unless you are fully enrolled in both Parts A and B. Once you enroll in Part A and Part B, Medicare becomes your primary payer for healthcare costs and coordinates with a Medicare Supplement plan behind the scenes to pay the 20% coinsurance that Medicare Part B does not pay.
Yes. Alabama features the standard 6-month open window right when you first enroll in Part B at age 65 or older.
Yes, you can. But Alabama does not mandate that insurance carriers offer the same Medigap plans to Under-65s as those over 65, so it depends on your zip code which Medigap plans are available. Also, if you are outside your guaranteed issue rights, you are subject to medical underwriting.
Have more questions? Browse our complete FAQ library or call 1 (855) 665-9200
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PLEASE NOTE: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.
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