Compare 2026 Medicare Supplement (Medigap) rates in Delaware. 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 | $195/mo |
| 70 | $220/mo |
| 75 | $253/mo |
| 80 | $291/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 Delaware. 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 |
|---|---|---|---|---|
| BlueCross BlueShield of Delaware Lowest | $99/mo | $137/mo | $177/mo | $200/mo |
| United American Insurance Company | $142/mo | $171/mo | $182/mo | $182/mo |
| State Farm Mutual Automobile Insurance Company | $143/mo | $180/mo | $209/mo | $235/mo |
| Wisconsin Physicians Service Insurance Corporation | $148/mo | $176/mo | $207/mo | $236/mo |
| First Health Life & Health Insurance Company | $149/mo | $170/mo | $189/mo | $200/mo |
| Aetna Health Insurance Company | $150/mo | $159/mo | $187/mo | $220/mo |
| Humana Insurance Company | $151/mo | $179/mo | $207/mo | $236/mo |
| AFLAC | $172/mo | $180/mo | $222/mo | $277/mo |
| Guarantee Trust Life Insurance Company | $173/mo | $184/mo | $207/mo | $239/mo |
| Medico Insurance Company | $173/mo | $175/mo | $186/mo | $220/mo |
| Everence Association Inc. | $204/mo | $220/mo | $231/mo | $245/mo |
| Bankers Fidelity Life Insurance Company | $217/mo | $241/mo | $273/mo | $292/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| BlueCross BlueShield of Delaware Lowest | $99/mo | $137/mo | $177/mo | $200/mo |
| United American Insurance Company | $164/mo | $197/mo | $209/mo | $210/mo |
| State Farm Mutual Automobile Insurance Company | $155/mo | $195/mo | $226/mo | $254/mo |
| Wisconsin Physicians Service Insurance Corporation | $162/mo | $194/mo | $227/mo | $259/mo |
| First Health Life & Health Insurance Company | $162/mo | $186/mo | $207/mo | $219/mo |
| Aetna Health Insurance Company | $172/mo | $183/mo | $214/mo | $253/mo |
| Humana Insurance Company | $152/mo | $185/mo | $225/mo | $265/mo |
| AFLAC | $197/mo | $207/mo | $254/mo | $318/mo |
| Guarantee Trust Life Insurance Company | $194/mo | $206/mo | $234/mo | $271/mo |
| Medico Insurance Company | $199/mo | $201/mo | $214/mo | $253/mo |
| Everence Association Inc. | $224/mo | $243/mo | $254/mo | $270/mo |
| Bankers Fidelity Life Insurance Company | $242/mo | $270/mo | $305/mo | $326/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 |
|---|---|---|---|---|
| BlueCross BlueShield of Delaware Lowest | $118/mo | $164/mo | $212/mo | $240/mo |
| State Farm Mutual Automobile Insurance Company | $157/mo | $198/mo | $230/mo | $258/mo |
| First Health Life & Health Insurance Company | $170/mo | $199/mo | $226/mo | $249/mo |
| Aetna Health Insurance Company | $177/mo | $188/mo | $221/mo | $260/mo |
| Humana Insurance Company | $181/mo | $214/mo | $248/mo | $282/mo |
| United American Insurance Company | $262/mo | $323/mo | $354/mo | $360/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| BlueCross BlueShield of Delaware Lowest | $118/mo | $164/mo | $212/mo | $240/mo |
| State Farm Mutual Automobile Insurance Company | $171/mo | $215/mo | $249/mo | $280/mo |
| First Health Life & Health Insurance Company | $186/mo | $217/mo | $247/mo | $272/mo |
| Aetna Health Insurance Company | $204/mo | $216/mo | $254/mo | $299/mo |
| Humana Insurance Company | $182/mo | $221/mo | $269/mo | $318/mo |
| United American Insurance Company | $301/mo | $371/mo | $407/mo | $414/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 |
|---|---|---|---|---|
| BlueCross BlueShield of Delaware Lowest | $181/mo | $250/mo | $324/mo | $367/mo |
| Wisconsin Physicians Service Insurance Corporation | $207/mo | $248/mo | $290/mo | $331/mo |
| Humana Insurance Company | $213/mo | $251/mo | $292/mo | $331/mo |
| State Farm Mutual Automobile Insurance Company | $216/mo | $272/mo | $315/mo | $354/mo |
| United American Insurance Company | $275/mo | $343/mo | $387/mo | $423/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| BlueCross BlueShield of Delaware Lowest | $181/mo | $250/mo | $324/mo | $367/mo |
| Wisconsin Physicians Service Insurance Corporation | $228/mo | $272/mo | $319/mo | $364/mo |
| Humana Insurance Company | $213/mo | $260/mo | $316/mo | $373/mo |
| State Farm Mutual Automobile Insurance Company | $234/mo | $295/mo | $341/mo | $384/mo |
| United American Insurance Company | $316/mo | $394/mo | $445/mo | $486/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 |
|---|---|---|---|---|
| BlueCross BlueShield of Delaware Lowest | $121/mo | $167/mo | $216/mo | $245/mo |
| State Farm Mutual Automobile Insurance Company | $172/mo | $211/mo | $248/mo | $282/mo |
| United American Insurance Company | $260/mo | $328/mo | $373/mo | $409/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| BlueCross BlueShield of Delaware Lowest | $134/mo | $186/mo | $240/mo | $272/mo |
| State Farm Mutual Automobile Insurance Company | $176/mo | $232/mo | $280/mo | $324/mo |
| United American Insurance Company | $298/mo | $377/mo | $429/mo | $470/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 |
|---|---|---|---|---|
| BlueCross BlueShield of Delaware Lowest | $183/mo | $254/mo | $328/mo | $372/mo |
| AFLAC | $187/mo | $203/mo | $243/mo | $301/mo |
| First Health Life & Health Insurance Company | $200/mo | $235/mo | $270/mo | $300/mo |
| Aetna Health Insurance Company | $209/mo | $221/mo | $260/mo | $307/mo |
| Wisconsin Physicians Service Insurance Corporation | $212/mo | $253/mo | $297/mo | $339/mo |
| Humana Insurance Company | $217/mo | $257/mo | $297/mo | $338/mo |
| State Farm Mutual Automobile Insurance Company | $218/mo | $275/mo | $318/mo | $358/mo |
| Guarantee Trust Life Insurance Company | $224/mo | $238/mo | $283/mo | $353/mo |
| Medico Insurance Company | $227/mo | $229/mo | $244/mo | $288/mo |
| Everence Association Inc. | $279/mo | $303/mo | $321/mo | $348/mo |
| United American Insurance Company | $299/mo | $371/mo | $419/mo | $457/mo |
| Bankers Fidelity Life Insurance Company | $343/mo | $380/mo | $430/mo | $465/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| BlueCross BlueShield of Delaware Lowest | $183/mo | $254/mo | $328/mo | $372/mo |
| AFLAC | $215/mo | $232/mo | $278/mo | $344/mo |
| First Health Life & Health Insurance Company | $217/mo | $255/mo | $292/mo | $325/mo |
| Aetna Health Insurance Company | $240/mo | $255/mo | $299/mo | $353/mo |
| Wisconsin Physicians Service Insurance Corporation | $233/mo | $278/mo | $326/mo | $372/mo |
| Humana Insurance Company | $218/mo | $265/mo | $322/mo | $381/mo |
| State Farm Mutual Automobile Insurance Company | $236/mo | $298/mo | $345/mo | $388/mo |
| Guarantee Trust Life Insurance Company | $251/mo | $266/mo | $316/mo | $396/mo |
| Medico Insurance Company | $261/mo | $263/mo | $281/mo | $332/mo |
| Everence Association Inc. | $307/mo | $333/mo | $353/mo | $382/mo |
| United American Insurance Company | $343/mo | $427/mo | $481/mo | $525/mo |
| Bankers Fidelity Life Insurance Company | $383/mo | $425/mo | $480/mo | $520/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 | $30/mo | $40/mo | $49/mo | $61/mo |
| Bankers Fidelity Life Insurance Company | $55/mo | $61/mo | $68/mo | $74/mo |
| BlueCross BlueShield of Delaware | $56/mo | $78/mo | $101/mo | $114/mo |
| Humana Insurance Company | $58/mo | $68/mo | $79/mo | $90/mo |
| Medico Insurance Company | $68/mo | $69/mo | $73/mo | $87/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $35/mo | $45/mo | $57/mo | $70/mo |
| Bankers Fidelity Life Insurance Company | $62/mo | $68/mo | $77/mo | $84/mo |
| BlueCross BlueShield of Delaware | $56/mo | $78/mo | $101/mo | $114/mo |
| Humana Insurance Company | $58/mo | $70/mo | $86/mo | $101/mo |
| Medico Insurance Company | $78/mo | $79/mo | $84/mo | $100/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 |
|---|---|---|---|---|
| BlueCross BlueShield of Delaware Lowest | $135/mo | $147/mo | $171/mo | $198/mo |
| Medico Insurance Company | $161/mo | $162/mo | $173/mo | $204/mo |
| Wisconsin Physicians Service Insurance Corporation | $170/mo | $203/mo | $238/mo | $271/mo |
| State Farm Mutual Automobile Insurance Company | $172/mo | $211/mo | $248/mo | $282/mo |
| AFLAC | $173/mo | $181/mo | $223/mo | $279/mo |
| Guarantee Trust Life Insurance Company | $182/mo | $193/mo | $229/mo | $287/mo |
| First Health Life & Health Insurance Company | $184/mo | $216/mo | $249/mo | $279/mo |
| Aetna Health Insurance Company | $192/mo | $203/mo | $239/mo | $282/mo |
| Everence Association Inc. | $193/mo | $209/mo | $223/mo | $238/mo |
| Humana Insurance Company | $202/mo | $238/mo | $276/mo | $314/mo |
| Bankers Fidelity Life Insurance Company | $252/mo | $295/mo | $354/mo | $399/mo |
| United American Insurance Company | $253/mo | $319/mo | $363/mo | $398/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| BlueCross BlueShield of Delaware Lowest | $146/mo | $159/mo | $185/mo | $214/mo |
| Medico Insurance Company | $185/mo | $186/mo | $199/mo | $235/mo |
| Wisconsin Physicians Service Insurance Corporation | $187/mo | $223/mo | $261/mo | $298/mo |
| State Farm Mutual Automobile Insurance Company | $176/mo | $233/mo | $281/mo | $324/mo |
| AFLAC | $198/mo | $208/mo | $256/mo | $319/mo |
| Guarantee Trust Life Insurance Company | $203/mo | $216/mo | $257/mo | $322/mo |
| First Health Life & Health Insurance Company | $199/mo | $234/mo | $269/mo | $301/mo |
| Aetna Health Insurance Company | $220/mo | $234/mo | $275/mo | $324/mo |
| Everence Association Inc. | $213/mo | $230/mo | $245/mo | $262/mo |
| Humana Insurance Company | $202/mo | $246/mo | $299/mo | $353/mo |
| Bankers Fidelity Life Insurance Company | $281/mo | $329/mo | $395/mo | $446/mo |
| United American Insurance Company | $291/mo | $367/mo | $418/mo | $457/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 | $29/mo | $38/mo | $47/mo | $58/mo |
| Humana Insurance Company | $48/mo | $57/mo | $66/mo | $76/mo |
| Aetna Health Insurance Company | $51/mo | $55/mo | $64/mo | $75/mo |
| BlueCross BlueShield of Delaware | $55/mo | $60/mo | $70/mo | $81/mo |
| Medico Insurance Company | $55/mo | $56/mo | $60/mo | $70/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $33/mo | $43/mo | $54/mo | $67/mo |
| Humana Insurance Company | $49/mo | $59/mo | $72/mo | $85/mo |
| Aetna Health Insurance Company | $59/mo | $63/mo | $74/mo | $87/mo |
| BlueCross BlueShield of Delaware | $61/mo | $67/mo | $77/mo | $89/mo |
| Medico Insurance Company | $64/mo | $64/mo | $69/mo | $81/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 |
|---|---|---|---|---|
| Bankers Fidelity Life Insurance Company Lowest | $79/mo | $94/mo | $112/mo | $127/mo |
| Humana Insurance Company | $81/mo | $95/mo | $111/mo | $126/mo |
| United American Insurance Company | $91/mo | $122/mo | $136/mo | $143/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Bankers Fidelity Life Insurance Company | $89/mo | $106/mo | $126/mo | $143/mo |
| Humana Insurance Company Lowest | $81/mo | $98/mo | $120/mo | $142/mo |
| United American Insurance Company | $105/mo | $140/mo | $156/mo | $164/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 |
|---|---|---|---|---|
| Everence Association Inc. Lowest | $112/mo | $123/mo | $131/mo | $142/mo |
| United American Insurance Company | $136/mo | $181/mo | $202/mo | $213/mo |
| Humana Insurance Company | $139/mo | $164/mo | $190/mo | $216/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Everence Association Inc. Lowest | $124/mo | $135/mo | $144/mo | $157/mo |
| United American Insurance Company | $156/mo | $208/mo | $232/mo | $244/mo |
| Humana Insurance Company | $139/mo | $169/mo | $206/mo | $243/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 | $101/mo | $120/mo | $139/mo | $156/mo |
| BlueCross BlueShield of Delaware | $114/mo | $157/mo | $204/mo | $230/mo |
| Aetna Health Insurance Company | $119/mo | $133/mo | $157/mo | $185/mo |
| AFLAC | $128/mo | $140/mo | $174/mo | $222/mo |
| Everence Association Inc. | $128/mo | $154/mo | $175/mo | $191/mo |
| Medico Insurance Company | $130/mo | $131/mo | $140/mo | $165/mo |
| State Farm Mutual Automobile Insurance Company | $131/mo | $160/mo | $189/mo | $219/mo |
| Guarantee Trust Life Insurance Company | $149/mo | $158/mo | $188/mo | $236/mo |
| Wisconsin Physicians Service Insurance Corporation | $152/mo | $181/mo | $213/mo | $242/mo |
| United American Insurance Company | $205/mo | $259/mo | $297/mo | $330/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $109/mo | $129/mo | $150/mo | $169/mo |
| BlueCross BlueShield of Delaware | $114/mo | $157/mo | $204/mo | $230/mo |
| Aetna Health Insurance Company | $137/mo | $153/mo | $181/mo | $213/mo |
| AFLAC | $146/mo | $160/mo | $200/mo | $254/mo |
| Everence Association Inc. | $141/mo | $169/mo | $192/mo | $210/mo |
| Medico Insurance Company | $149/mo | $151/mo | $161/mo | $190/mo |
| State Farm Mutual Automobile Insurance Company | $136/mo | $179/mo | $216/mo | $252/mo |
| Guarantee Trust Life Insurance Company | $167/mo | $177/mo | $211/mo | $264/mo |
| Wisconsin Physicians Service Insurance Corporation | $167/mo | $199/mo | $234/mo | $267/mo |
| United American Insurance Company | $235/mo | $298/mo | $342/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 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| BlueCross BlueShield of Delaware | $116/mo | $154/mo | $194/mo | $217/mo |
| United American Insurance Company | $142/mo | $171/mo | $182/mo | $182/mo |
| State Farm Mutual Automobile Insurance Company | $143/mo | $180/mo | $209/mo | $235/mo |
| Wisconsin Physicians Service Insurance Corporation | $148/mo | $176/mo | $207/mo | $236/mo |
| First Health Life & Health Insurance Company | $149/mo | $170/mo | $189/mo | $200/mo |
| Aetna Health Insurance Company | $150/mo | $159/mo | $187/mo | $220/mo |
| Humana Insurance Company | $151/mo | $179/mo | $207/mo | $236/mo |
| AFLAC | $172/mo | $180/mo | $222/mo | $277/mo |
| Guarantee Trust Life Insurance Company | $173/mo | $184/mo | $207/mo | $239/mo |
| Medico Insurance Company | $193/mo | $195/mo | $208/mo | $246/mo |
| Everence Association Inc. | $204/mo | $220/mo | $231/mo | $245/mo |
| Bankers Fidelity Life Insurance Company | $244/mo | $272/mo | $307/mo | $329/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| BlueCross BlueShield of Delaware | $116/mo | $154/mo | $194/mo | $217/mo |
| United American Insurance Company | $164/mo | $197/mo | $209/mo | $210/mo |
| State Farm Mutual Automobile Insurance Company | $155/mo | $195/mo | $226/mo | $254/mo |
| Wisconsin Physicians Service Insurance Corporation | $162/mo | $194/mo | $227/mo | $259/mo |
| First Health Life & Health Insurance Company | $162/mo | $186/mo | $207/mo | $219/mo |
| Aetna Health Insurance Company | $172/mo | $183/mo | $214/mo | $253/mo |
| Humana Insurance Company | $152/mo | $185/mo | $225/mo | $265/mo |
| AFLAC | $197/mo | $207/mo | $254/mo | $318/mo |
| Guarantee Trust Life Insurance Company | $194/mo | $206/mo | $234/mo | $271/mo |
| Medico Insurance Company | $222/mo | $224/mo | $239/mo | $283/mo |
| Everence Association Inc. | $224/mo | $243/mo | $254/mo | $270/mo |
| Bankers Fidelity Life Insurance Company | $273/mo | $304/mo | $343/mo | $368/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 |
|---|---|---|---|---|
| BlueCross BlueShield of Delaware | $136/mo | $181/mo | $229/mo | $257/mo |
| State Farm Mutual Automobile Insurance Company | $157/mo | $198/mo | $230/mo | $258/mo |
| First Health Life & Health Insurance Company | $170/mo | $199/mo | $226/mo | $249/mo |
| Aetna Health Insurance Company | $177/mo | $188/mo | $221/mo | $260/mo |
| Humana Insurance Company | $181/mo | $214/mo | $248/mo | $282/mo |
| United American Insurance Company | $262/mo | $323/mo | $354/mo | $360/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| BlueCross BlueShield of Delaware | $136/mo | $181/mo | $229/mo | $257/mo |
| State Farm Mutual Automobile Insurance Company | $171/mo | $215/mo | $249/mo | $280/mo |
| First Health Life & Health Insurance Company | $186/mo | $217/mo | $247/mo | $272/mo |
| Aetna Health Insurance Company | $204/mo | $216/mo | $254/mo | $299/mo |
| Humana Insurance Company | $182/mo | $221/mo | $269/mo | $318/mo |
| United American Insurance Company | $301/mo | $371/mo | $407/mo | $414/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 |
|---|---|---|---|---|
| BlueCross BlueShield of Delaware | $198/mo | $268/mo | $341/mo | $384/mo |
| Wisconsin Physicians Service Insurance Corporation | $207/mo | $248/mo | $290/mo | $331/mo |
| Humana Insurance Company | $213/mo | $251/mo | $292/mo | $331/mo |
| State Farm Mutual Automobile Insurance Company | $216/mo | $272/mo | $315/mo | $354/mo |
| United American Insurance Company | $275/mo | $343/mo | $387/mo | $423/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| BlueCross BlueShield of Delaware | $198/mo | $268/mo | $341/mo | $384/mo |
| Wisconsin Physicians Service Insurance Corporation | $228/mo | $272/mo | $319/mo | $364/mo |
| Humana Insurance Company | $213/mo | $260/mo | $316/mo | $373/mo |
| State Farm Mutual Automobile Insurance Company | $234/mo | $295/mo | $341/mo | $384/mo |
| United American Insurance Company | $316/mo | $394/mo | $445/mo | $486/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 |
|---|---|---|---|---|
| BlueCross BlueShield of Delaware | $138/mo | $184/mo | $233/mo | $262/mo |
| State Farm Mutual Automobile Insurance Company | $172/mo | $211/mo | $248/mo | $282/mo |
| United American Insurance Company | $260/mo | $328/mo | $373/mo | $409/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| BlueCross BlueShield of Delaware | $151/mo | $203/mo | $257/mo | $289/mo |
| State Farm Mutual Automobile Insurance Company | $176/mo | $232/mo | $280/mo | $324/mo |
| United American Insurance Company | $298/mo | $377/mo | $429/mo | $470/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 |
|---|---|---|---|---|
| AFLAC | $187/mo | $203/mo | $243/mo | $301/mo |
| First Health Life & Health Insurance Company | $200/mo | $235/mo | $270/mo | $300/mo |
| BlueCross BlueShield of Delaware | $201/mo | $271/mo | $346/mo | $389/mo |
| Aetna Health Insurance Company | $209/mo | $221/mo | $260/mo | $307/mo |
| Wisconsin Physicians Service Insurance Corporation | $212/mo | $253/mo | $297/mo | $339/mo |
| Humana Insurance Company | $217/mo | $257/mo | $297/mo | $338/mo |
| State Farm Mutual Automobile Insurance Company | $218/mo | $275/mo | $318/mo | $358/mo |
| Guarantee Trust Life Insurance Company | $224/mo | $238/mo | $283/mo | $353/mo |
| Medico Insurance Company | $253/mo | $256/mo | $273/mo | $322/mo |
| Everence Association Inc. | $279/mo | $303/mo | $321/mo | $348/mo |
| United American Insurance Company | $299/mo | $371/mo | $419/mo | $457/mo |
| Bankers Fidelity Life Insurance Company | $385/mo | $429/mo | $485/mo | $524/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AFLAC | $215/mo | $232/mo | $278/mo | $344/mo |
| First Health Life & Health Insurance Company | $217/mo | $255/mo | $292/mo | $325/mo |
| BlueCross BlueShield of Delaware | $201/mo | $271/mo | $346/mo | $389/mo |
| Aetna Health Insurance Company | $240/mo | $255/mo | $299/mo | $353/mo |
| Wisconsin Physicians Service Insurance Corporation | $233/mo | $278/mo | $326/mo | $372/mo |
| Humana Insurance Company | $218/mo | $265/mo | $322/mo | $381/mo |
| State Farm Mutual Automobile Insurance Company | $236/mo | $298/mo | $345/mo | $388/mo |
| Guarantee Trust Life Insurance Company | $251/mo | $266/mo | $316/mo | $396/mo |
| Medico Insurance Company | $291/mo | $294/mo | $313/mo | $370/mo |
| Everence Association Inc. | $307/mo | $333/mo | $353/mo | $382/mo |
| United American Insurance Company | $343/mo | $427/mo | $481/mo | $525/mo |
| Bankers Fidelity Life Insurance Company | $431/mo | $479/mo | $541/mo | $586/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 | $30/mo | $40/mo | $49/mo | $61/mo |
| Humana Insurance Company | $58/mo | $68/mo | $79/mo | $90/mo |
| Bankers Fidelity Life Insurance Company | $62/mo | $69/mo | $77/mo | $84/mo |
| BlueCross BlueShield of Delaware | $74/mo | $95/mo | $118/mo | $131/mo |
| Medico Insurance Company | $76/mo | $77/mo | $82/mo | $97/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $35/mo | $45/mo | $57/mo | $70/mo |
| Humana Insurance Company | $58/mo | $70/mo | $86/mo | $101/mo |
| Bankers Fidelity Life Insurance Company | $70/mo | $77/mo | $87/mo | $95/mo |
| BlueCross BlueShield of Delaware | $74/mo | $95/mo | $118/mo | $131/mo |
| Medico Insurance Company | $87/mo | $88/mo | $94/mo | $111/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 |
|---|---|---|---|---|
| BlueCross BlueShield of Delaware | $152/mo | $164/mo | $188/mo | $215/mo |
| Wisconsin Physicians Service Insurance Corporation | $170/mo | $203/mo | $238/mo | $271/mo |
| State Farm Mutual Automobile Insurance Company | $172/mo | $211/mo | $248/mo | $282/mo |
| AFLAC | $173/mo | $181/mo | $223/mo | $279/mo |
| Medico Insurance Company | $179/mo | $181/mo | $193/mo | $228/mo |
| Guarantee Trust Life Insurance Company | $182/mo | $193/mo | $229/mo | $287/mo |
| First Health Life & Health Insurance Company | $184/mo | $216/mo | $249/mo | $279/mo |
| Aetna Health Insurance Company | $192/mo | $203/mo | $239/mo | $282/mo |
| Everence Association Inc. | $193/mo | $209/mo | $223/mo | $238/mo |
| Humana Insurance Company | $202/mo | $238/mo | $276/mo | $314/mo |
| United American Insurance Company | $253/mo | $319/mo | $363/mo | $398/mo |
| Bankers Fidelity Life Insurance Company | $285/mo | $332/mo | $400/mo | $451/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| BlueCross BlueShield of Delaware | $163/mo | $177/mo | $202/mo | $231/mo |
| Wisconsin Physicians Service Insurance Corporation | $187/mo | $223/mo | $261/mo | $298/mo |
| State Farm Mutual Automobile Insurance Company | $176/mo | $233/mo | $281/mo | $324/mo |
| AFLAC | $198/mo | $208/mo | $256/mo | $319/mo |
| Medico Insurance Company | $206/mo | $208/mo | $222/mo | $262/mo |
| Guarantee Trust Life Insurance Company | $203/mo | $216/mo | $257/mo | $322/mo |
| First Health Life & Health Insurance Company | $199/mo | $234/mo | $269/mo | $301/mo |
| Aetna Health Insurance Company | $220/mo | $234/mo | $275/mo | $324/mo |
| Everence Association Inc. | $213/mo | $230/mo | $245/mo | $262/mo |
| Humana Insurance Company | $202/mo | $246/mo | $299/mo | $353/mo |
| United American Insurance Company | $291/mo | $367/mo | $418/mo | $457/mo |
| Bankers Fidelity Life Insurance Company | $318/mo | $371/mo | $446/mo | $503/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 | $29/mo | $38/mo | $47/mo | $58/mo |
| Humana Insurance Company | $48/mo | $57/mo | $66/mo | $76/mo |
| Aetna Health Insurance Company | $51/mo | $55/mo | $64/mo | $75/mo |
| Medico Insurance Company | $62/mo | $62/mo | $67/mo | $79/mo |
| BlueCross BlueShield of Delaware | $72/mo | $77/mo | $87/mo | $98/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $33/mo | $43/mo | $54/mo | $67/mo |
| Humana Insurance Company | $49/mo | $59/mo | $72/mo | $85/mo |
| Aetna Health Insurance Company | $59/mo | $63/mo | $74/mo | $87/mo |
| Medico Insurance Company | $71/mo | $72/mo | $77/mo | $91/mo |
| BlueCross BlueShield of Delaware | $78/mo | $84/mo | $94/mo | $107/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 | $81/mo | $95/mo | $111/mo | $126/mo |
| Bankers Fidelity Life Insurance Company | $89/mo | $106/mo | $127/mo | $143/mo |
| United American Insurance Company | $91/mo | $122/mo | $136/mo | $143/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Humana Insurance Company | $81/mo | $98/mo | $120/mo | $142/mo |
| Bankers Fidelity Life Insurance Company | $100/mo | $119/mo | $143/mo | $161/mo |
| United American Insurance Company | $105/mo | $140/mo | $156/mo | $164/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 |
|---|---|---|---|---|
| Everence Association Inc. | $112/mo | $123/mo | $131/mo | $142/mo |
| United American Insurance Company | $136/mo | $181/mo | $202/mo | $213/mo |
| Humana Insurance Company | $139/mo | $164/mo | $190/mo | $216/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Everence Association Inc. | $124/mo | $135/mo | $144/mo | $157/mo |
| United American Insurance Company | $156/mo | $208/mo | $232/mo | $244/mo |
| Humana Insurance Company | $139/mo | $169/mo | $206/mo | $243/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 | $101/mo | $120/mo | $139/mo | $156/mo |
| Aetna Health Insurance Company | $119/mo | $133/mo | $157/mo | $185/mo |
| AFLAC | $128/mo | $140/mo | $174/mo | $222/mo |
| Everence Association Inc. | $128/mo | $154/mo | $175/mo | $191/mo |
| BlueCross BlueShield of Delaware | $131/mo | $175/mo | $221/mo | $248/mo |
| State Farm Mutual Automobile Insurance Company | $131/mo | $160/mo | $189/mo | $219/mo |
| Medico Insurance Company | $145/mo | $146/mo | $156/mo | $184/mo |
| Guarantee Trust Life Insurance Company | $149/mo | $158/mo | $188/mo | $236/mo |
| Wisconsin Physicians Service Insurance Corporation | $152/mo | $181/mo | $213/mo | $242/mo |
| United American Insurance Company | $205/mo | $259/mo | $297/mo | $330/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $109/mo | $129/mo | $150/mo | $169/mo |
| Aetna Health Insurance Company | $137/mo | $153/mo | $181/mo | $213/mo |
| AFLAC | $146/mo | $160/mo | $200/mo | $254/mo |
| Everence Association Inc. | $141/mo | $169/mo | $192/mo | $210/mo |
| BlueCross BlueShield of Delaware | $131/mo | $175/mo | $221/mo | $248/mo |
| State Farm Mutual Automobile Insurance Company | $136/mo | $179/mo | $216/mo | $252/mo |
| Medico Insurance Company | $166/mo | $168/mo | $179/mo | $212/mo |
| Guarantee Trust Life Insurance Company | $167/mo | $177/mo | $211/mo | $264/mo |
| Wisconsin Physicians Service Insurance Corporation | $167/mo | $199/mo | $234/mo | $267/mo |
| United American Insurance Company | $235/mo | $298/mo | $342/mo | $379/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 Delaware 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 | $173/mo |
| Standard I | $190/mo | |
| Standard II | $216/mo | |
| Bankers Fidelity Life Insurance Company | Preferred | $217/mo |
| Standard | $272/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Insurance Company | Preferred | $199/mo |
| Standard I | $219/mo | |
| Standard II | $249/mo | |
| Bankers Fidelity Life Insurance Company | Preferred | $242/mo |
| Standard | $304/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 Delaware 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 | $227/mo |
| Standard I | $249/mo | |
| Standard II | $283/mo | |
| Bankers Fidelity Life Insurance Company | Preferred | $343/mo |
| Standard | $427/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Insurance Company | Preferred | $261/mo |
| Standard I | $287/mo | |
| Standard II | $326/mo | |
| Bankers Fidelity Life Insurance Company | Preferred | $383/mo |
| Standard | $478/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 Delaware 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 |
|---|---|---|
| Bankers Fidelity Life Insurance Company | Preferred | $55/mo |
| Standard | $69/mo | |
| Medico Insurance Company | Preferred | $68/mo |
| Standard I | $75/mo | |
| Standard II | $85/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Life Insurance Company | Preferred | $62/mo |
| Standard | $78/mo | |
| Medico Insurance Company | Preferred | $78/mo |
| Standard I | $86/mo | |
| Standard II | $98/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 Delaware 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 | $161/mo |
| Standard I | $177/mo | |
| Standard II | $201/mo | |
| Bankers Fidelity Life Insurance Company | Preferred | $252/mo |
| Standard | $318/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Insurance Company | Preferred | $185/mo |
| Standard I | $203/mo | |
| Standard II | $231/mo | |
| Bankers Fidelity Life Insurance Company | Preferred | $281/mo |
| Standard | $355/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 Delaware 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 | $55/mo |
| Standard I | $61/mo | |
| Standard II | $69/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Insurance Company | Preferred | $64/mo |
| Standard I | $70/mo | |
| Standard II | $80/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 Delaware 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 |
|---|---|---|
| Bankers Fidelity Life Insurance Company | Preferred | $79/mo |
| Standard | $99/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Life Insurance Company | Preferred | $89/mo |
| Standard | $111/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 Delaware 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 | $130/mo |
| Standard I | $143/mo | |
| Standard II | $162/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Insurance Company | Preferred | $149/mo |
| Standard I | $164/mo | |
| Standard II | $186/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.
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