Rate data current as of
Compare 2026 Medicare Supplement (Medigap) rates in California. 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 | $227/mo |
| 70 | $276/mo |
| 75 | $344/mo |
| 80 | $400/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 California. 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 |
|---|---|---|---|---|
| USAA Life Insurance Company Lowest | $95/mo | $111/mo | $132/mo | $153/mo |
| United American Insurance Company | $113/mo | $143/mo | $160/mo | $163/mo |
| Blue Shield of California Life & Health Insurance Company | $123/mo | $150/mo | $202/mo | $234/mo |
| Anthem BlueCross - California | $125/mo | $153/mo | $186/mo | $226/mo |
| State Farm Mutual Automobile Insurance Company | $132/mo | $166/mo | $192/mo | $216/mo |
| American Retirement Life Insurance Company (CIGNA) | $136/mo | $168/mo | $204/mo | $248/mo |
| First Health Life & Health Insurance Company | $137/mo | $156/mo | $174/mo | $184/mo |
| AARP - UnitedHealthcare Insurance Company | $147/mo | $182/mo | $217/mo | $231/mo |
| American Retirement Life Insurance Company | $152/mo | $188/mo | $229/mo | $279/mo |
| Washington National Insurance Company | $169/mo | $218/mo | $266/mo | $306/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $173/mo | $210/mo | $255/mo | $293/mo |
| AFLAC | $180/mo | $209/mo | $257/mo | $310/mo |
| Insurance Company of North America | $202/mo | $210/mo | $254/mo | $300/mo |
| Humana Insurance Company | $206/mo | $246/mo | $291/mo | $336/mo |
| Everence Association Inc. | $214/mo | $260/mo | $322/mo | $375/mo |
| Medico Insurance Company | $220/mo | $223/mo | $237/mo | $281/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| USAA Life Insurance Company Lowest | $95/mo | $111/mo | $132/mo | $153/mo |
| United American Insurance Company | $113/mo | $143/mo | $160/mo | $163/mo |
| Blue Shield of California Life & Health Insurance Company | $123/mo | $150/mo | $202/mo | $234/mo |
| Anthem BlueCross - California | $125/mo | $153/mo | $186/mo | $226/mo |
| State Farm Mutual Automobile Insurance Company | $132/mo | $166/mo | $192/mo | $216/mo |
| American Retirement Life Insurance Company (CIGNA) | $136/mo | $168/mo | $204/mo | $248/mo |
| First Health Life & Health Insurance Company | $137/mo | $156/mo | $174/mo | $184/mo |
| AARP - UnitedHealthcare Insurance Company | $147/mo | $182/mo | $217/mo | $231/mo |
| American Retirement Life Insurance Company | $152/mo | $188/mo | $229/mo | $279/mo |
| Washington National Insurance Company | $169/mo | $218/mo | $266/mo | $306/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $173/mo | $210/mo | $255/mo | $293/mo |
| AFLAC | $180/mo | $209/mo | $257/mo | $310/mo |
| Insurance Company of North America | $202/mo | $210/mo | $254/mo | $300/mo |
| Humana Insurance Company | $206/mo | $246/mo | $291/mo | $336/mo |
| Everence Association Inc. | $214/mo | $260/mo | $322/mo | $375/mo |
| Medico Insurance Company | $220/mo | $223/mo | $237/mo | $281/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 | $155/mo | $181/mo | $206/mo | $227/mo |
| United American Insurance Company | $175/mo | $224/mo | $255/mo | $267/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $205/mo | $248/mo | $302/mo | $346/mo |
| AARP - UnitedHealthcare Insurance Company | $206/mo | $255/mo | $304/mo | $324/mo |
| Humana Insurance Company | $249/mo | $297/mo | $352/mo | $406/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $155/mo | $181/mo | $206/mo | $227/mo |
| United American Insurance Company | $175/mo | $224/mo | $255/mo | $267/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $205/mo | $248/mo | $302/mo | $346/mo |
| AARP - UnitedHealthcare Insurance Company | $206/mo | $255/mo | $304/mo | $324/mo |
| Humana Insurance Company | $249/mo | $297/mo | $352/mo | $406/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 | $236/mo | $303/mo | $352/mo | $391/mo |
| State Farm Mutual Automobile Insurance Company | $241/mo | $304/mo | $352/mo | $396/mo |
| AARP - UnitedHealthcare Insurance Company | $249/mo | $308/mo | $367/mo | $391/mo |
| Humana Insurance Company | $274/mo | $327/mo | $387/mo | $447/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $236/mo | $303/mo | $352/mo | $391/mo |
| State Farm Mutual Automobile Insurance Company | $241/mo | $304/mo | $352/mo | $396/mo |
| AARP - UnitedHealthcare Insurance Company | $249/mo | $308/mo | $367/mo | $391/mo |
| Humana Insurance Company | $274/mo | $327/mo | $387/mo | $447/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 | $178/mo | $227/mo | $270/mo | $308/mo |
| United American Insurance Company | $207/mo | $272/mo | $318/mo | $356/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $178/mo | $227/mo | $270/mo | $308/mo |
| United American Insurance Company | $207/mo | $272/mo | $318/mo | $356/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 |
|---|---|---|---|---|
| American Retirement Life Insurance Company (CIGNA) Lowest | $192/mo | $238/mo | $289/mo | $352/mo |
| First Health Life & Health Insurance Company | $195/mo | $228/mo | $262/mo | $291/mo |
| Washington National Insurance Company | $197/mo | $238/mo | $289/mo | $344/mo |
| USAA Life Insurance Company | $203/mo | $238/mo | $285/mo | $330/mo |
| American Retirement Life Insurance Company | $216/mo | $267/mo | $325/mo | $395/mo |
| State Farm Mutual Automobile Insurance Company | $243/mo | $307/mo | $355/mo | $400/mo |
| Anthem BlueCross - California | $244/mo | $303/mo | $373/mo | $458/mo |
| Blue Shield of California Life & Health Insurance Company | $244/mo | $290/mo | $365/mo | $513/mo |
| AFLAC | $246/mo | $275/mo | $334/mo | $395/mo |
| Everence Association Inc. | $247/mo | $310/mo | $370/mo | $432/mo |
| AARP - UnitedHealthcare Insurance Company | $250/mo | $310/mo | $369/mo | $393/mo |
| United American Insurance Company | $264/mo | $339/mo | $393/mo | $437/mo |
| Insurance Company of North America | $278/mo | $289/mo | $349/mo | $413/mo |
| Humana Insurance Company | $284/mo | $340/mo | $402/mo | $464/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $287/mo | $348/mo | $422/mo | $485/mo |
| Medico Insurance Company | $328/mo | $331/mo | $353/mo | $417/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| American Retirement Life Insurance Company (CIGNA) Lowest | $192/mo | $238/mo | $289/mo | $352/mo |
| First Health Life & Health Insurance Company | $195/mo | $228/mo | $262/mo | $291/mo |
| Washington National Insurance Company | $197/mo | $238/mo | $289/mo | $344/mo |
| USAA Life Insurance Company | $203/mo | $238/mo | $285/mo | $330/mo |
| American Retirement Life Insurance Company | $216/mo | $267/mo | $325/mo | $395/mo |
| State Farm Mutual Automobile Insurance Company | $243/mo | $307/mo | $355/mo | $400/mo |
| Anthem BlueCross - California | $244/mo | $303/mo | $373/mo | $458/mo |
| Blue Shield of California Life & Health Insurance Company | $244/mo | $290/mo | $365/mo | $513/mo |
| AFLAC | $246/mo | $275/mo | $334/mo | $395/mo |
| Everence Association Inc. | $247/mo | $310/mo | $370/mo | $432/mo |
| AARP - UnitedHealthcare Insurance Company | $250/mo | $310/mo | $369/mo | $393/mo |
| United American Insurance Company | $264/mo | $339/mo | $393/mo | $437/mo |
| Insurance Company of North America | $278/mo | $289/mo | $349/mo | $413/mo |
| Humana Insurance Company | $284/mo | $340/mo | $402/mo | $464/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $287/mo | $348/mo | $422/mo | $485/mo |
| Medico Insurance Company | $328/mo | $331/mo | $353/mo | $417/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 | $49/mo | $66/mo | $99/mo | $101/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $60/mo | $94/mo | $93/mo | $102/mo |
| Humana Insurance Company | $87/mo | $86/mo | $102/mo | $118/mo |
| Medico Insurance Company | $98/mo | $99/mo | $106/mo | $125/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $49/mo | $66/mo | $99/mo | $101/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $60/mo | $94/mo | $93/mo | $102/mo |
| Humana Insurance Company | $87/mo | $86/mo | $102/mo | $118/mo |
| Medico Insurance Company | $98/mo | $99/mo | $106/mo | $125/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 |
|---|---|---|---|---|
| American Retirement Life Insurance Company (CIGNA) Lowest | $156/mo | $194/mo | $235/mo | $286/mo |
| USAA Life Insurance Company | $166/mo | $181/mo | $218/mo | $270/mo |
| First Health Life & Health Insurance Company | $167/mo | $196/mo | $226/mo | $253/mo |
| American Retirement Life Insurance Company | $176/mo | $217/mo | $265/mo | $322/mo |
| State Farm Mutual Automobile Insurance Company | $178/mo | $227/mo | $270/mo | $308/mo |
| Washington National Insurance Company | $184/mo | $237/mo | $288/mo | $333/mo |
| Blue Shield of California Life & Health Insurance Company | $185/mo | $244/mo | $312/mo | $425/mo |
| AARP - UnitedHealthcare Insurance Company | $195/mo | $242/mo | $288/mo | $306/mo |
| Anthem BlueCross - California | $195/mo | $238/mo | $290/mo | $352/mo |
| AFLAC | $206/mo | $239/mo | $293/mo | $354/mo |
| United American Insurance Company | $214/mo | $280/mo | $328/mo | $366/mo |
| Insurance Company of North America | $217/mo | $226/mo | $273/mo | $323/mo |
| Everence Association Inc. | $230/mo | $290/mo | $346/mo | $403/mo |
| Medico Insurance Company | $232/mo | $234/mo | $250/mo | $295/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $256/mo | $309/mo | $375/mo | $431/mo |
| Humana Insurance Company | $267/mo | $320/mo | $378/mo | $437/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| American Retirement Life Insurance Company (CIGNA) Lowest | $156/mo | $194/mo | $235/mo | $286/mo |
| USAA Life Insurance Company | $166/mo | $181/mo | $218/mo | $270/mo |
| First Health Life & Health Insurance Company | $167/mo | $196/mo | $226/mo | $253/mo |
| American Retirement Life Insurance Company | $176/mo | $217/mo | $265/mo | $322/mo |
| State Farm Mutual Automobile Insurance Company | $178/mo | $227/mo | $270/mo | $308/mo |
| Washington National Insurance Company | $184/mo | $237/mo | $288/mo | $333/mo |
| Blue Shield of California Life & Health Insurance Company | $185/mo | $244/mo | $312/mo | $425/mo |
| AARP - UnitedHealthcare Insurance Company | $195/mo | $242/mo | $288/mo | $306/mo |
| Anthem BlueCross - California | $195/mo | $238/mo | $290/mo | $352/mo |
| AFLAC | $206/mo | $239/mo | $293/mo | $354/mo |
| United American Insurance Company | $214/mo | $280/mo | $328/mo | $366/mo |
| Insurance Company of North America | $217/mo | $226/mo | $273/mo | $323/mo |
| Everence Association Inc. | $230/mo | $290/mo | $346/mo | $403/mo |
| Medico Insurance Company | $232/mo | $234/mo | $250/mo | $295/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $256/mo | $309/mo | $375/mo | $431/mo |
| Humana Insurance Company | $267/mo | $320/mo | $378/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 |
|---|---|---|---|---|
| Washington National Insurance Company Lowest | $42/mo | $50/mo | $61/mo | $73/mo |
| United American Insurance Company | $49/mo | $66/mo | $99/mo | $101/mo |
| American Retirement Life Insurance Company (CIGNA) | $53/mo | $65/mo | $91/mo | $96/mo |
| American Retirement Life Insurance Company | $59/mo | $73/mo | $89/mo | $108/mo |
| Humana Insurance Company | $69/mo | $99/mo | $97/mo | $112/mo |
| Insurance Company of North America | $69/mo | $72/mo | $95/mo | $103/mo |
| Medico Insurance Company | $80/mo | $81/mo | $86/mo | $102/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Washington National Insurance Company Lowest | $42/mo | $50/mo | $61/mo | $73/mo |
| United American Insurance Company | $49/mo | $66/mo | $99/mo | $101/mo |
| American Retirement Life Insurance Company (CIGNA) | $53/mo | $65/mo | $91/mo | $96/mo |
| American Retirement Life Insurance Company | $59/mo | $73/mo | $89/mo | $108/mo |
| Humana Insurance Company | $69/mo | $99/mo | $97/mo | $112/mo |
| Insurance Company of North America | $69/mo | $72/mo | $95/mo | $103/mo |
| Medico Insurance Company | $80/mo | $81/mo | $86/mo | $102/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 | $76/mo | $98/mo | $113/mo | $120/mo |
| United American Insurance Company | $101/mo | $134/mo | $147/mo | $153/mo |
| Humana Insurance Company | $111/mo | $133/mo | $157/mo | $181/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $76/mo | $98/mo | $113/mo | $120/mo |
| United American Insurance Company | $101/mo | $134/mo | $147/mo | $153/mo |
| Humana Insurance Company | $111/mo | $133/mo | $157/mo | $181/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 | $136/mo | $169/mo | $201/mo | $214/mo |
| United American Insurance Company | $143/mo | $189/mo | $208/mo | $216/mo |
| Humana Insurance Company | $161/mo | $192/mo | $227/mo | $263/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $136/mo | $169/mo | $201/mo | $214/mo |
| United American Insurance Company | $143/mo | $189/mo | $208/mo | $216/mo |
| Humana Insurance Company | $161/mo | $192/mo | $227/mo | $263/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 | $114/mo | $135/mo | $156/mo | $176/mo |
| American Retirement Life Insurance Company (CIGNA) | $117/mo | $145/mo | $176/mo | $214/mo |
| American Retirement Life Insurance Company | $132/mo | $163/mo | $198/mo | $241/mo |
| Washington National Insurance Company | $134/mo | $173/mo | $218/mo | $266/mo |
| State Farm Mutual Automobile Insurance Company | $137/mo | $173/mo | $207/mo | $239/mo |
| AFLAC | $156/mo | $178/mo | $220/mo | $262/mo |
| USAA Life Insurance Company | $159/mo | $186/mo | $222/mo | $257/mo |
| AARP - UnitedHealthcare Insurance Company | $165/mo | $204/mo | $244/mo | $259/mo |
| Blue Shield of California Life & Health Insurance Company | $166/mo | $196/mo | $256/mo | $306/mo |
| Insurance Company of North America | $166/mo | $173/mo | $209/mo | $247/mo |
| Everence Association Inc. | $171/mo | $214/mo | $265/mo | $317/mo |
| Medico Insurance Company | $174/mo | $176/mo | $187/mo | $221/mo |
| United American Insurance Company | $180/mo | $237/mo | $279/mo | $315/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $181/mo | $221/mo | $272/mo | $319/mo |
| Humana Insurance Company | $197/mo | $236/mo | $279/mo | $322/mo |
| Anthem BlueCross - California | $206/mo | $251/mo | $305/mo | $371/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $114/mo | $135/mo | $156/mo | $176/mo |
| American Retirement Life Insurance Company (CIGNA) | $117/mo | $145/mo | $176/mo | $214/mo |
| American Retirement Life Insurance Company | $132/mo | $163/mo | $198/mo | $241/mo |
| Washington National Insurance Company | $134/mo | $173/mo | $218/mo | $266/mo |
| State Farm Mutual Automobile Insurance Company | $137/mo | $173/mo | $207/mo | $239/mo |
| AFLAC | $156/mo | $178/mo | $220/mo | $262/mo |
| USAA Life Insurance Company | $159/mo | $186/mo | $222/mo | $257/mo |
| AARP - UnitedHealthcare Insurance Company | $165/mo | $204/mo | $244/mo | $259/mo |
| Blue Shield of California Life & Health Insurance Company | $166/mo | $196/mo | $256/mo | $306/mo |
| Insurance Company of North America | $166/mo | $173/mo | $209/mo | $247/mo |
| Everence Association Inc. | $171/mo | $214/mo | $265/mo | $317/mo |
| Medico Insurance Company | $174/mo | $176/mo | $187/mo | $221/mo |
| United American Insurance Company | $180/mo | $237/mo | $279/mo | $315/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $181/mo | $221/mo | $272/mo | $319/mo |
| Humana Insurance Company | $197/mo | $236/mo | $279/mo | $322/mo |
| Anthem BlueCross - California | $206/mo | $251/mo | $305/mo | $371/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 |
|---|---|---|---|---|
| USAA Life Insurance Company | $103/mo | $126/mo | $150/mo | $174/mo |
| United American Insurance Company | $132/mo | $167/mo | $187/mo | $190/mo |
| Blue Shield of California Life & Health Insurance Company | $136/mo | $171/mo | $230/mo | $266/mo |
| State Farm Mutual Automobile Insurance Company | $136/mo | $172/mo | $199/mo | $224/mo |
| Anthem BlueCross - California | $142/mo | $174/mo | $211/mo | $256/mo |
| American Retirement Life Insurance Company (CIGNA) | $163/mo | $201/mo | $245/mo | $298/mo |
| First Health Life & Health Insurance Company | $167/mo | $191/mo | $212/mo | $225/mo |
| AARP - UnitedHealthcare Insurance Company | $168/mo | $208/mo | $289/mo | $297/mo |
| American Retirement Life Insurance Company | $178/mo | $220/mo | $268/mo | $325/mo |
| Washington National Insurance Company | $178/mo | $229/mo | $279/mo | $322/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $212/mo | $256/mo | $312/mo | $358/mo |
| AFLAC | $220/mo | $255/mo | $313/mo | $378/mo |
| Insurance Company of North America | $220/mo | $229/mo | $277/mo | $327/mo |
| Everence Association Inc. | $248/mo | $301/mo | $372/mo | $434/mo |
| Humana Insurance Company | $248/mo | $296/mo | $350/mo | $405/mo |
| Medico Insurance Company | $262/mo | $265/mo | $282/mo | $334/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| USAA Life Insurance Company | $103/mo | $126/mo | $150/mo | $174/mo |
| United American Insurance Company | $132/mo | $167/mo | $187/mo | $190/mo |
| Blue Shield of California Life & Health Insurance Company | $136/mo | $171/mo | $230/mo | $266/mo |
| State Farm Mutual Automobile Insurance Company | $136/mo | $172/mo | $199/mo | $224/mo |
| Anthem BlueCross - California | $142/mo | $174/mo | $211/mo | $256/mo |
| American Retirement Life Insurance Company (CIGNA) | $163/mo | $201/mo | $245/mo | $298/mo |
| First Health Life & Health Insurance Company | $167/mo | $191/mo | $212/mo | $225/mo |
| AARP - UnitedHealthcare Insurance Company | $168/mo | $208/mo | $289/mo | $297/mo |
| American Retirement Life Insurance Company | $178/mo | $220/mo | $268/mo | $325/mo |
| Washington National Insurance Company | $178/mo | $229/mo | $279/mo | $322/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $212/mo | $256/mo | $312/mo | $358/mo |
| AFLAC | $220/mo | $255/mo | $313/mo | $378/mo |
| Insurance Company of North America | $220/mo | $229/mo | $277/mo | $327/mo |
| Everence Association Inc. | $248/mo | $301/mo | $372/mo | $434/mo |
| Humana Insurance Company | $248/mo | $296/mo | $350/mo | $405/mo |
| Medico Insurance Company | $262/mo | $265/mo | $282/mo | $334/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 | $189/mo | $221/mo | $252/mo | $277/mo |
| United American Insurance Company | $204/mo | $262/mo | $298/mo | $312/mo |
| AARP - UnitedHealthcare Insurance Company | $235/mo | $291/mo | $404/mo | $415/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $250/mo | $303/mo | $368/mo | $423/mo |
| Humana Insurance Company | $299/mo | $358/mo | $423/mo | $489/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $189/mo | $221/mo | $252/mo | $277/mo |
| United American Insurance Company | $204/mo | $262/mo | $298/mo | $312/mo |
| AARP - UnitedHealthcare Insurance Company | $235/mo | $291/mo | $404/mo | $415/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $250/mo | $303/mo | $368/mo | $423/mo |
| Humana Insurance Company | $299/mo | $358/mo | $423/mo | $489/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 | $249/mo | $314/mo | $364/mo | $409/mo |
| United American Insurance Company | $275/mo | $354/mo | $411/mo | $457/mo |
| AARP - UnitedHealthcare Insurance Company | $284/mo | $351/mo | $488/mo | $501/mo |
| Humana Insurance Company | $329/mo | $394/mo | $466/mo | $538/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $249/mo | $314/mo | $364/mo | $409/mo |
| United American Insurance Company | $275/mo | $354/mo | $411/mo | $457/mo |
| AARP - UnitedHealthcare Insurance Company | $284/mo | $351/mo | $488/mo | $501/mo |
| Humana Insurance Company | $329/mo | $394/mo | $466/mo | $538/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 | $184/mo | $235/mo | $279/mo | $318/mo |
| United American Insurance Company | $242/mo | $317/mo | $371/mo | $416/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $184/mo | $235/mo | $279/mo | $318/mo |
| United American Insurance Company | $242/mo | $317/mo | $371/mo | $416/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 |
|---|---|---|---|---|
| Washington National Insurance Company | $207/mo | $250/mo | $303/mo | $362/mo |
| American Retirement Life Insurance Company (CIGNA) | $230/mo | $285/mo | $347/mo | $422/mo |
| USAA Life Insurance Company | $231/mo | $270/mo | $322/mo | $373/mo |
| First Health Life & Health Insurance Company | $237/mo | $278/mo | $319/mo | $355/mo |
| American Retirement Life Insurance Company | $252/mo | $311/mo | $379/mo | $461/mo |
| State Farm Mutual Automobile Insurance Company | $252/mo | $318/mo | $368/mo | $414/mo |
| Blue Shield of California Life & Health Insurance Company | $271/mo | $321/mo | $404/mo | $569/mo |
| Anthem BlueCross - California | $273/mo | $337/mo | $412/mo | $503/mo |
| AARP - UnitedHealthcare Insurance Company | $286/mo | $353/mo | $490/mo | $504/mo |
| Everence Association Inc. | $286/mo | $358/mo | $428/mo | $500/mo |
| AFLAC | $300/mo | $335/mo | $407/mo | $483/mo |
| Insurance Company of North America | $303/mo | $315/mo | $381/mo | $451/mo |
| United American Insurance Company | $308/mo | $396/mo | $459/mo | $510/mo |
| Humana Insurance Company | $342/mo | $409/mo | $484/mo | $559/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $351/mo | $425/mo | $516/mo | $593/mo |
| Medico Insurance Company | $389/mo | $393/mo | $420/mo | $496/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Washington National Insurance Company | $207/mo | $250/mo | $303/mo | $362/mo |
| American Retirement Life Insurance Company (CIGNA) | $230/mo | $285/mo | $347/mo | $422/mo |
| USAA Life Insurance Company | $231/mo | $270/mo | $322/mo | $373/mo |
| First Health Life & Health Insurance Company | $237/mo | $278/mo | $319/mo | $355/mo |
| American Retirement Life Insurance Company | $252/mo | $311/mo | $379/mo | $461/mo |
| State Farm Mutual Automobile Insurance Company | $252/mo | $318/mo | $368/mo | $414/mo |
| Blue Shield of California Life & Health Insurance Company | $271/mo | $321/mo | $404/mo | $569/mo |
| Anthem BlueCross - California | $273/mo | $337/mo | $412/mo | $503/mo |
| AARP - UnitedHealthcare Insurance Company | $286/mo | $353/mo | $490/mo | $504/mo |
| Everence Association Inc. | $286/mo | $358/mo | $428/mo | $500/mo |
| AFLAC | $300/mo | $335/mo | $407/mo | $483/mo |
| Insurance Company of North America | $303/mo | $315/mo | $381/mo | $451/mo |
| United American Insurance Company | $308/mo | $396/mo | $459/mo | $510/mo |
| Humana Insurance Company | $342/mo | $409/mo | $484/mo | $559/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $351/mo | $425/mo | $516/mo | $593/mo |
| Medico Insurance Company | $389/mo | $393/mo | $420/mo | $496/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 | $57/mo | $77/mo | $106/mo | $118/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $73/mo | $100/mo | $98/mo | $124/mo |
| Humana Insurance Company | $94/mo | $95/mo | $123/mo | $142/mo |
| Medico Insurance Company | $117/mo | $118/mo | $126/mo | $149/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $57/mo | $77/mo | $106/mo | $118/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $73/mo | $100/mo | $98/mo | $124/mo |
| Humana Insurance Company | $94/mo | $95/mo | $123/mo | $142/mo |
| Medico Insurance Company | $117/mo | $118/mo | $126/mo | $149/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 | $185/mo | $235/mo | $280/mo | $319/mo |
| American Retirement Life Insurance Company (CIGNA) | $188/mo | $232/mo | $282/mo | $344/mo |
| USAA Life Insurance Company | $188/mo | $205/mo | $246/mo | $306/mo |
| Washington National Insurance Company | $193/mo | $249/mo | $303/mo | $349/mo |
| First Health Life & Health Insurance Company | $203/mo | $239/mo | $275/mo | $308/mo |
| American Retirement Life Insurance Company | $205/mo | $254/mo | $309/mo | $375/mo |
| Anthem BlueCross - California | $211/mo | $258/mo | $313/mo | $380/mo |
| Blue Shield of California Life & Health Insurance Company | $216/mo | $279/mo | $356/mo | $480/mo |
| AARP - UnitedHealthcare Insurance Company | $223/mo | $275/mo | $383/mo | $393/mo |
| Insurance Company of North America | $237/mo | $246/mo | $298/mo | $352/mo |
| United American Insurance Company | $250/mo | $327/mo | $383/mo | $427/mo |
| AFLAC | $251/mo | $291/mo | $358/mo | $432/mo |
| Everence Association Inc. | $266/mo | $335/mo | $400/mo | $466/mo |
| Medico Insurance Company | $276/mo | $279/mo | $297/mo | $351/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $312/mo | $378/mo | $458/mo | $527/mo |
| Humana Insurance Company | $322/mo | $385/mo | $455/mo | $526/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $185/mo | $235/mo | $280/mo | $319/mo |
| American Retirement Life Insurance Company (CIGNA) | $188/mo | $232/mo | $282/mo | $344/mo |
| USAA Life Insurance Company | $188/mo | $205/mo | $246/mo | $306/mo |
| Washington National Insurance Company | $193/mo | $249/mo | $303/mo | $349/mo |
| First Health Life & Health Insurance Company | $203/mo | $239/mo | $275/mo | $308/mo |
| American Retirement Life Insurance Company | $205/mo | $254/mo | $309/mo | $375/mo |
| Anthem BlueCross - California | $211/mo | $258/mo | $313/mo | $380/mo |
| Blue Shield of California Life & Health Insurance Company | $216/mo | $279/mo | $356/mo | $480/mo |
| AARP - UnitedHealthcare Insurance Company | $223/mo | $275/mo | $383/mo | $393/mo |
| Insurance Company of North America | $237/mo | $246/mo | $298/mo | $352/mo |
| United American Insurance Company | $250/mo | $327/mo | $383/mo | $427/mo |
| AFLAC | $251/mo | $291/mo | $358/mo | $432/mo |
| Everence Association Inc. | $266/mo | $335/mo | $400/mo | $466/mo |
| Medico Insurance Company | $276/mo | $279/mo | $297/mo | $351/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $312/mo | $378/mo | $458/mo | $527/mo |
| Humana Insurance Company | $322/mo | $385/mo | $455/mo | $526/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 |
|---|---|---|---|---|
| Washington National Insurance Company | $44/mo | $53/mo | $64/mo | $76/mo |
| United American Insurance Company | $57/mo | $77/mo | $106/mo | $118/mo |
| American Retirement Life Insurance Company (CIGNA) | $63/mo | $78/mo | $101/mo | $111/mo |
| American Retirement Life Insurance Company | $69/mo | $85/mo | $96/mo | $126/mo |
| Insurance Company of North America | $76/mo | $79/mo | $99/mo | $113/mo |
| Humana Insurance Company | $83/mo | $107/mo | $107/mo | $135/mo |
| Medico Insurance Company | $95/mo | $96/mo | $103/mo | $121/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Washington National Insurance Company | $44/mo | $53/mo | $64/mo | $76/mo |
| United American Insurance Company | $57/mo | $77/mo | $106/mo | $118/mo |
| American Retirement Life Insurance Company (CIGNA) | $63/mo | $78/mo | $101/mo | $111/mo |
| American Retirement Life Insurance Company | $69/mo | $85/mo | $96/mo | $126/mo |
| Insurance Company of North America | $76/mo | $79/mo | $99/mo | $113/mo |
| Humana Insurance Company | $83/mo | $107/mo | $107/mo | $135/mo |
| Medico Insurance Company | $95/mo | $96/mo | $103/mo | $121/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 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company | $87/mo | $101/mo | $150/mo | $155/mo |
| United American Insurance Company | $118/mo | $156/mo | $172/mo | $179/mo |
| Humana Insurance Company | $134/mo | $160/mo | $189/mo | $218/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company | $87/mo | $101/mo | $150/mo | $155/mo |
| United American Insurance Company | $118/mo | $156/mo | $172/mo | $179/mo |
| Humana Insurance Company | $134/mo | $160/mo | $189/mo | $218/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 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company | $156/mo | $193/mo | $268/mo | $275/mo |
| United American Insurance Company | $167/mo | $221/mo | $243/mo | $252/mo |
| Humana Insurance Company | $194/mo | $231/mo | $274/mo | $316/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company | $156/mo | $193/mo | $268/mo | $275/mo |
| United American Insurance Company | $167/mo | $221/mo | $243/mo | $252/mo |
| Humana Insurance Company | $194/mo | $231/mo | $274/mo | $316/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 | $139/mo | $165/mo | $191/mo | $215/mo |
| American Retirement Life Insurance Company (CIGNA) | $140/mo | $174/mo | $211/mo | $257/mo |
| State Farm Mutual Automobile Insurance Company | $141/mo | $179/mo | $214/mo | $247/mo |
| Washington National Insurance Company | $141/mo | $181/mo | $229/mo | $279/mo |
| American Retirement Life Insurance Company | $154/mo | $190/mo | $231/mo | $281/mo |
| USAA Life Insurance Company | $180/mo | $210/mo | $251/mo | $291/mo |
| Insurance Company of North America | $181/mo | $188/mo | $228/mo | $269/mo |
| Blue Shield of California Life & Health Insurance Company | $185/mo | $226/mo | $295/mo | $353/mo |
| AARP - UnitedHealthcare Insurance Company | $189/mo | $233/mo | $324/mo | $333/mo |
| AFLAC | $191/mo | $217/mo | $269/mo | $319/mo |
| Everence Association Inc. | $198/mo | $247/mo | $307/mo | $366/mo |
| Medico Insurance Company | $207/mo | $209/mo | $223/mo | $263/mo |
| United American Insurance Company | $210/mo | $277/mo | $325/mo | $368/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $221/mo | $269/mo | $332/mo | $390/mo |
| Anthem BlueCross - California | $227/mo | $277/mo | $337/mo | $409/mo |
| Humana Insurance Company | $237/mo | $284/mo | $336/mo | $388/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $139/mo | $165/mo | $191/mo | $215/mo |
| American Retirement Life Insurance Company (CIGNA) | $140/mo | $174/mo | $211/mo | $257/mo |
| State Farm Mutual Automobile Insurance Company | $141/mo | $179/mo | $214/mo | $247/mo |
| Washington National Insurance Company | $141/mo | $181/mo | $229/mo | $279/mo |
| American Retirement Life Insurance Company | $154/mo | $190/mo | $231/mo | $281/mo |
| USAA Life Insurance Company | $180/mo | $210/mo | $251/mo | $291/mo |
| Insurance Company of North America | $181/mo | $188/mo | $228/mo | $269/mo |
| Blue Shield of California Life & Health Insurance Company | $185/mo | $226/mo | $295/mo | $353/mo |
| AARP - UnitedHealthcare Insurance Company | $189/mo | $233/mo | $324/mo | $333/mo |
| AFLAC | $191/mo | $217/mo | $269/mo | $319/mo |
| Everence Association Inc. | $198/mo | $247/mo | $307/mo | $366/mo |
| Medico Insurance Company | $207/mo | $209/mo | $223/mo | $263/mo |
| United American Insurance Company | $210/mo | $277/mo | $325/mo | $368/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $221/mo | $269/mo | $332/mo | $390/mo |
| Anthem BlueCross - California | $227/mo | $277/mo | $337/mo | $409/mo |
| Humana Insurance Company | $237/mo | $284/mo | $336/mo | $388/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 California 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 |
|---|---|---|
| American Retirement Life Insurance Company (CIGNA) | w / 11% HHD | $136 – $181/mo |
| w / 6% HHD | $143 – $191/mo | |
| Medico Insurance Company | Preferred | $220 – $256/mo |
| Standard I | $254 – $294/mo | |
| Standard II | $254 – $294/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| American Retirement Life Insurance Company (CIGNA) | w / 11% HHD | $136 – $181/mo |
| w / 6% HHD | $143 – $191/mo | |
| Medico Insurance Company | Preferred | $220 – $256/mo |
| Standard I | $254 – $294/mo | |
| Standard II | $254 – $294/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 California 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 |
|---|---|---|
| American Retirement Life Insurance Company (CIGNA) | w / 11% HHD | $192 – $256/mo |
| w / 6% HHD | $203 – $270/mo | |
| Medico Insurance Company | Preferred | $328 – $381/mo |
| Standard I | $377 – $438/mo | |
| Standard II | $377 – $438/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| American Retirement Life Insurance Company (CIGNA) | w / 11% HHD | $192 – $256/mo |
| w / 6% HHD | $203 – $270/mo | |
| Medico Insurance Company | Preferred | $328 – $381/mo |
| Standard I | $377 – $438/mo | |
| Standard II | $377 – $438/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 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 California 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 |
|---|---|---|
| Medico Insurance Company | Preferred | $98 – $114/mo |
| Standard I | $113 – $131/mo | |
| Standard II | $113 – $131/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Insurance Company | Preferred | $98 – $114/mo |
| Standard I | $113 – $131/mo | |
| Standard II | $113 – $131/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 California 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 |
|---|---|---|
| American Retirement Life Insurance Company (CIGNA) | w / 11% HHD | $156 – $209/mo |
| w / 6% HHD | $165 – $220/mo | |
| Medico Insurance Company | Preferred | $232 – $270/mo |
| Standard I | $267 – $310/mo | |
| Standard II | $267 – $310/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| American Retirement Life Insurance Company (CIGNA) | w / 11% HHD | $156 – $209/mo |
| w / 6% HHD | $165 – $220/mo | |
| Medico Insurance Company | Preferred | $232 – $270/mo |
| Standard I | $267 – $310/mo | |
| Standard II | $267 – $310/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 California 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 |
|---|---|---|
| American Retirement Life Insurance Company (CIGNA) | w / 11% HHD | $53 – $70/mo |
| w / 6% HHD | $55 – $74/mo | |
| Medico Insurance Company | Preferred | $80 – $93/mo |
| Standard I | $92 – $107/mo | |
| Standard II | $92 – $107/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| American Retirement Life Insurance Company (CIGNA) | w / 11% HHD | $53 – $70/mo |
| w / 6% HHD | $55 – $74/mo | |
| Medico Insurance Company | Preferred | $80 – $93/mo |
| Standard I | $92 – $107/mo | |
| Standard II | $92 – $107/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 California 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 |
|---|---|---|
| American Retirement Life Insurance Company (CIGNA) | w / 11% HHD | $117 – $156/mo |
| w / 6% HHD | $124 – $165/mo | |
| Medico Insurance Company | Preferred | $174 – $202/mo |
| Standard I | $200 – $232/mo | |
| Standard II | $200 – $232/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| American Retirement Life Insurance Company (CIGNA) | w / 11% HHD | $117 – $156/mo |
| w / 6% HHD | $124 – $165/mo | |
| Medico Insurance Company | Preferred | $174 – $202/mo |
| Standard I | $200 – $232/mo | |
| Standard II | $200 – $232/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.
Yes, since 2020 California has had a Medigap birthday rule, allowing Medicare Supplement beneficiaries to switch to a plan with equal or lesser benefits without medical underwriting. The guaranteed issue rights begin on your birthday and last 60 days.
For most California residents, Medicare eligibility begins at age 65 unless you qualify through disability or through specific health conditions like End-Stage Renal Disease (ESRD) or ALS. Your best opportunity to enroll in Medicare and a Medicare Supplement plan is around this important birthday during your Initial Enrollment Period and Medigap Open Enrollment Period.
You can apply anytime in California, but applying outside a protected window means insurers can use medical underwriting to raise your rates or deny coverage. Fortunately, California's Birthday Rule lets you switch to an equal or lesser plan with no health questions within 60 days of your birthday each year. If you're shopping for better rates from the Bay Area down to San Diego, checking prices right around your birthday is your best move.
Yes, you must be actively enrolled in both Medicare Part A and Part B to purchase a Medigap policy in California. Medigap acts as secondary coverage, filling in out-of-pocket costs that Original Medicare leaves behind like the Part A deductible and Part B coinsurance. Having both parts in place is the essential first step before locking in accurate local rate quotes for your zip code.
California gives you guaranteed issue rights--meaning insurers can't deny coverage or charge extra for pre-existing conditions--during your initial 6-month enrollment, your annual Birthday Rule window, or if you lose employer health coverage. You're also protected if your Medicare Advantage plan leaves your county or if you drop a Medigap policy for Medicare Advantage and switch back within a year. Plus, Golden State law extends these guaranteed issue protections to most Medicare beneficiaries under 65 with disabilities.
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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