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2026 Medicare Supplement in Georgia

Rate data current as of

Issue-Age
Get an overview of Medicare Supplement rates in Georgia across all available plan letters, including Plans G, N and F.
medicare supplement plans in georgia
OVERVIEW

At A Glance: Medicare Supplement in Georgia

Compare 2026 Medicare Supplement (Medigap) rates in Georgia. 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.


19
Carriers in Georgia
$221/mo
Avg. Plan G
$158/mo
Avg. Plan N
$277/mo
Avg. Plan F

2026 averages for age 65, non-tobacco. Rates vary by carrier, ZIP, and underwriting.

Gender:

Average Medigap Rates in Georgia

2026 average monthly premiums for non-tobacco users across all carriers.

Average Plan G Rates in Georgia 2026 averages · Non-tobacco · All carriers
Age Avg. Monthly Rate
65 $221/mo
70 $241/mo
75 $277/mo
80 $315/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.


CARRIERS

Medicare Supplement Insurance Providers in Georgia

Plan A Rate Ranges by Carrier in Georgia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

HealthSpring National Health Insurance Company
$110 $239 /mo
Age 65 · Non-tobacco · Rate varies by zip
Continental Life Insurance Company of Brentwood, Tennessee
$139 /mo
Age 65 · Non-tobacco · Rate varies by zip
Atlantic Capital Life Assurance Company
$146 $219 /mo
Age 65 · Non-tobacco · Rate varies by zip
First Health Life & Health Insurance Company
$157 $185 /mo
Age 65 · Non-tobacco · Rate varies by zip
Philadelphia American Life Insurance Company
$161 $187 /mo
Age 65 · Non-tobacco · Rate varies by zip
Woodmen Of The World Life Insurance Society
$162 $182 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$168 $276 /mo
Age 65 · Non-tobacco · Rate varies by zip
MedMutual Protect
$168 $181 /mo
Age 65 · Non-tobacco · Rate varies by zip
Medico Insurance Company
$171 $259 /mo
Age 65 · Non-tobacco · Rate varies by zip
Insurance Company of North America
$175 $194 /mo
Age 65 · Non-tobacco · Rate varies by zip
American Benefit Life Insurance Company
$176 $198 /mo
Age 65 · Non-tobacco · Rate varies by zip
AFLAC
$184 $207 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$190 $198 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$203 $218 /mo
Age 65 · Non-tobacco · Rate varies by zip
Washington National Insurance Company
$208 $257 /mo
Age 65 · Non-tobacco · Rate varies by zip
Omaha Supplemental Insurance Company
$210 $230 /mo
Age 65 · Non-tobacco · Rate varies by zip
Physicians Life Insurance Company
$212 $235 /mo
Age 65 · Non-tobacco · Rate varies by zip
GPM Health and Life Insurance Company
$249 $269 /mo
Age 65 · Non-tobacco · Rate varies by zip
Guarantee Trust Life Insurance Company
$259 $288 /mo
Age 65 · Non-tobacco · 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.

Plan B Rate Ranges by Carrier in Georgia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

First Health Life & Health Insurance Company
$185 $219 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$258 $422 /mo
Age 65 · Non-tobacco · 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.

Plan C Rate Ranges by Carrier in Georgia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

Philadelphia American Life Insurance Company
$185 $207 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$281 $460 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$285 $297 /mo
Age 65 · Non-tobacco · 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.

Plan D Rate Ranges by Carrier in Georgia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

Philadelphia American Life Insurance Company
$152 $177 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$199 $207 /mo
Age 65 · Non-tobacco · Rate varies by zip
MedMutual Protect
$411 $444 /mo
Age 65 · Non-tobacco · 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.

Plan F Rate Ranges by Carrier in Georgia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

HealthSpring National Health Insurance Company
$154 $333 /mo
Age 65 · Non-tobacco · Rate varies by zip
Atlantic Capital Life Assurance Company
$156 $234 /mo
Age 65 · Non-tobacco · Rate varies by zip
MedMutual Protect
$170 $184 /mo
Age 65 · Non-tobacco · Rate varies by zip
Woodmen Of The World Life Insurance Society
$184 $207 /mo
Age 65 · Non-tobacco · Rate varies by zip
AFLAC
$197 $222 /mo
Age 65 · Non-tobacco · Rate varies by zip
Insurance Company of North America
$200 $221 /mo
Age 65 · Non-tobacco · Rate varies by zip
American Benefit Life Insurance Company
$222 $250 /mo
Age 65 · Non-tobacco · Rate varies by zip
Continental Life Insurance Company of Brentwood, Tennessee
$233 /mo
Age 65 · Non-tobacco · Rate varies by zip
Physicians Life Insurance Company
$235 $260 /mo
Age 65 · Non-tobacco · Rate varies by zip
Washington National Insurance Company
$241 $297 /mo
Age 65 · Non-tobacco · Rate varies by zip
Medico Insurance Company
$244 $369 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$253 $271 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$288 $300 /mo
Age 65 · Non-tobacco · Rate varies by zip
First Health Life & Health Insurance Company
$292 $344 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$314 $513 /mo
Age 65 · Non-tobacco · Rate varies by zip
Omaha Supplemental Insurance Company
$316 $346 /mo
Age 65 · Non-tobacco · Rate varies by zip
GPM Health and Life Insurance Company
$359 $388 /mo
Age 65 · Non-tobacco · Rate varies by zip
Guarantee Trust Life Insurance Company
$361 $402 /mo
Age 65 · Non-tobacco · 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.

High-Deductible Plan F Rate Ranges by Carrier in Georgia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

Philadelphia American Life Insurance Company
$59 $68 /mo
Age 65 · Non-tobacco · Rate varies by zip
Medico Insurance Company
$73 $111 /mo
Age 65 · Non-tobacco · 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.

Plan G Rate Ranges by Carrier in Georgia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

Atlantic Capital Life Assurance Company
$131 $197 /mo
Age 65 · Non-tobacco · Rate varies by zip
HealthSpring National Health Insurance Company
$137 $297 /mo
Age 65 · Non-tobacco · Rate varies by zip
MedMutual Protect
$156 $169 /mo
Age 65 · Non-tobacco · Rate varies by zip
Medico Insurance Company
$159 $240 /mo
Age 65 · Non-tobacco · Rate varies by zip
Woodmen Of The World Life Insurance Society
$164 $184 /mo
Age 65 · Non-tobacco · Rate varies by zip
American Benefit Life Insurance Company
$175 $196 /mo
Age 65 · Non-tobacco · Rate varies by zip
Washington National Insurance Company
$175 $216 /mo
Age 65 · Non-tobacco · Rate varies by zip
Insurance Company of North America
$177 $196 /mo
Age 65 · Non-tobacco · Rate varies by zip
AFLAC
$179 $202 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$188 $487 /mo
Age 65 · Non-tobacco · Rate varies by zip
Continental Life Insurance Company of Brentwood, Tennessee
$199 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$199 $207 /mo
Age 65 · Non-tobacco · Rate varies by zip
Physicians Life Insurance Company
$204 $226 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$205 $220 /mo
Age 65 · Non-tobacco · Rate varies by zip
First Health Life & Health Insurance Company
$232 $274 /mo
Age 65 · Non-tobacco · Rate varies by zip
Omaha Supplemental Insurance Company
$234 $256 /mo
Age 65 · Non-tobacco · Rate varies by zip
GPM Health and Life Insurance Company
$249 $269 /mo
Age 65 · Non-tobacco · Rate varies by zip
Guarantee Trust Life Insurance Company
$277 $308 /mo
Age 65 · Non-tobacco · 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.

High-Deductible Plan G Rate Ranges by Carrier in Georgia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

Atlantic Capital Life Assurance Company
$41 $62 /mo
Age 65 · Non-tobacco · Rate varies by zip
HealthSpring National Health Insurance Company
$41 $88 /mo
Age 65 · Non-tobacco · Rate varies by zip
Philadelphia American Life Insurance Company
$46 $53 /mo
Age 65 · Non-tobacco · Rate varies by zip
Continental Life Insurance Company of Brentwood, Tennessee
$48 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$48 $51 /mo
Age 65 · Non-tobacco · Rate varies by zip
Woodmen Of The World Life Insurance Society
$49 $56 /mo
Age 65 · Non-tobacco · Rate varies by zip
MedMutual Protect
$53 $57 /mo
Age 65 · Non-tobacco · Rate varies by zip
Insurance Company of North America
$55 $61 /mo
Age 65 · Non-tobacco · Rate varies by zip
Medico Insurance Company
$55 $83 /mo
Age 65 · Non-tobacco · Rate varies by zip
Washington National Insurance Company
$56 $69 /mo
Age 65 · Non-tobacco · Rate varies by zip
Omaha Supplemental Insurance Company
$58 $64 /mo
Age 65 · Non-tobacco · 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.

Plan K Rate Ranges by Carrier in Georgia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

AARP - UnitedHealthcare Insurance Company
$73 $120 /mo
Age 65 · Non-tobacco · Rate varies by zip
Atlantic Capital Life Assurance Company
$76 $104 /mo
Age 65 · Non-tobacco · 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.

Plan L Rate Ranges by Carrier in Georgia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

AARP - UnitedHealthcare Insurance Company
$170 $278 /mo
Age 65 · Non-tobacco · 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.

Plan M Rate Ranges by Carrier in Georgia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

Philadelphia American Life Insurance Company
$97 $108 /mo
Age 65 · Non-tobacco · 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.

Plan N Rate Ranges by Carrier in Georgia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

HealthSpring National Health Insurance Company
$89 $193 /mo
Age 65 · Non-tobacco · Rate varies by zip
Atlantic Capital Life Assurance Company
$99 $148 /mo
Age 65 · Non-tobacco · Rate varies by zip
MedMutual Protect
$111 $119 /mo
Age 65 · Non-tobacco · Rate varies by zip
Insurance Company of North America
$115 $128 /mo
Age 65 · Non-tobacco · Rate varies by zip
Woodmen Of The World Life Insurance Society
$115 $130 /mo
Age 65 · Non-tobacco · Rate varies by zip
Medico Insurance Company
$116 $175 /mo
Age 65 · Non-tobacco · Rate varies by zip
AFLAC
$120 $135 /mo
Age 65 · Non-tobacco · Rate varies by zip
First Health Life & Health Insurance Company
$120 $141 /mo
Age 65 · Non-tobacco · Rate varies by zip
Continental Life Insurance Company of Brentwood, Tennessee
$130 /mo
Age 65 · Non-tobacco · Rate varies by zip
American Benefit Life Insurance Company
$132 $148 /mo
Age 65 · Non-tobacco · Rate varies by zip
Washington National Insurance Company
$137 $168 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$152 $158 /mo
Age 65 · Non-tobacco · Rate varies by zip
Omaha Supplemental Insurance Company
$154 $169 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$155 $167 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$168 $310 /mo
Age 65 · Non-tobacco · Rate varies by zip
Physicians Life Insurance Company
$169 $187 /mo
Age 65 · Non-tobacco · Rate varies by zip
GPM Health and Life Insurance Company
$200 $216 /mo
Age 65 · Non-tobacco · Rate varies by zip
Guarantee Trust Life Insurance Company
$218 $243 /mo
Age 65 · Non-tobacco · 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.

How we calculate displayed rates

Figures for Medicare Supplement (Medigap) on this page use 2026 filed or community rates from our carrier-rate dataset for Georgia. 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.

Lowest Plan A Rates by Carrier in Georgia

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
HealthSpring National Health Insurance Company Lowest $110/mo $116/mo $136/mo $160/mo
Continental Life Insurance Company of Brentwood, Tennessee $139/mo $160/mo $183/mo $209/mo
Atlantic Capital Life Assurance Company $146/mo $151/mo $172/mo $204/mo
First Health Life & Health Insurance Company $157/mo $173/mo $185/mo $192/mo
Philadelphia American Life Insurance Company $161/mo $167/mo $194/mo $216/mo
Woodmen Of The World Life Insurance Society $162/mo $175/mo $213/mo $248/mo
AARP - UnitedHealthcare Insurance Company $168/mo $203/mo $223/mo $244/mo
MedMutual Protect $168/mo $179/mo $210/mo $247/mo
Medico Insurance Company $171/mo $171/mo $179/mo $199/mo
Insurance Company of North America $175/mo $179/mo $203/mo $235/mo
American Benefit Life Insurance Company $176/mo $182/mo $204/mo $234/mo
AFLAC $184/mo $197/mo $219/mo $246/mo
State Farm Mutual Automobile Insurance Company $190/mo $211/mo $229/mo $241/mo
Humana Insurance Company $203/mo $218/mo $244/mo $272/mo
Washington National Insurance Company $208/mo $269/mo $345/mo $431/mo
Omaha Supplemental Insurance Company $210/mo $232/mo $276/mo $315/mo
Physicians Life Insurance Company $212/mo $212/mo $212/mo $212/mo
GPM Health and Life Insurance Company $249/mo $253/mo $272/mo $324/mo
Guarantee Trust Life Insurance Company $259/mo $272/mo $300/mo $336/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.

Lowest Plan B Rates by Carrier in Georgia

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 $185/mo $209/mo $229/mo $246/mo
AARP - UnitedHealthcare Insurance Company $258/mo $311/mo $342/mo $374/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.

Lowest Plan C Rates by Carrier in Georgia

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Philadelphia American Life Insurance Company Lowest $185/mo $194/mo $218/mo $251/mo
AARP - UnitedHealthcare Insurance Company $281/mo $339/mo $373/mo $407/mo
State Farm Mutual Automobile Insurance Company $285/mo $317/mo $344/mo $362/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.

Lowest Plan D Rates by Carrier in Georgia

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Philadelphia American Life Insurance Company Lowest $152/mo $156/mo $177/mo $197/mo
State Farm Mutual Automobile Insurance Company $199/mo $226/mo $251/mo $273/mo
MedMutual Protect $411/mo $438/mo $514/mo $603/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.

Lowest Plan F Rates by Carrier in Georgia

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
HealthSpring National Health Insurance Company Lowest $154/mo $162/mo $190/mo $224/mo
Atlantic Capital Life Assurance Company $156/mo $162/mo $184/mo $218/mo
MedMutual Protect $170/mo $182/mo $213/mo $250/mo
Woodmen Of The World Life Insurance Society $184/mo $197/mo $239/mo $276/mo
AFLAC $197/mo $210/mo $234/mo $266/mo
Insurance Company of North America $200/mo $205/mo $232/mo $268/mo
American Benefit Life Insurance Company $222/mo $231/mo $266/mo $305/mo
Continental Life Insurance Company of Brentwood, Tennessee $233/mo $249/mo $282/mo $322/mo
Physicians Life Insurance Company $235/mo $248/mo $282/mo $315/mo
Washington National Insurance Company $241/mo $292/mo $354/mo $422/mo
Medico Insurance Company $244/mo $244/mo $255/mo $283/mo
Humana Insurance Company $253/mo $271/mo $303/mo $339/mo
State Farm Mutual Automobile Insurance Company $288/mo $320/mo $347/mo $366/mo
First Health Life & Health Insurance Company $292/mo $330/mo $366/mo $397/mo
AARP - UnitedHealthcare Insurance Company $314/mo $378/mo $416/mo $454/mo
Omaha Supplemental Insurance Company $316/mo $352/mo $416/mo $474/mo
GPM Health and Life Insurance Company $359/mo $365/mo $393/mo $467/mo
Guarantee Trust Life Insurance Company $361/mo $379/mo $419/mo $468/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.

Lowest High-Deductible Plan F Rates by Carrier in Georgia

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Philadelphia American Life Insurance Company Lowest $59/mo $65/mo $73/mo $83/mo
Medico Insurance Company $73/mo $73/mo $77/mo $88/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.

Lowest Plan G Rates by Carrier in Georgia

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Atlantic Capital Life Assurance Company Lowest $131/mo $136/mo $155/mo $184/mo
HealthSpring National Health Insurance Company $137/mo $145/mo $170/mo $200/mo
MedMutual Protect $156/mo $167/mo $196/mo $230/mo
Medico Insurance Company $159/mo $159/mo $166/mo $184/mo
Woodmen Of The World Life Insurance Society $164/mo $176/mo $215/mo $251/mo
American Benefit Life Insurance Company $175/mo $181/mo $204/mo $237/mo
Washington National Insurance Company $175/mo $226/mo $289/mo $362/mo
Insurance Company of North America $177/mo $181/mo $205/mo $237/mo
AFLAC $179/mo $190/mo $216/mo $247/mo
AARP - UnitedHealthcare Insurance Company $188/mo $223/mo $265/mo $292/mo
Continental Life Insurance Company of Brentwood, Tennessee $199/mo $213/mo $241/mo $275/mo
State Farm Mutual Automobile Insurance Company $199/mo $226/mo $251/mo $273/mo
Physicians Life Insurance Company $204/mo $216/mo $245/mo $275/mo
Humana Insurance Company $205/mo $220/mo $246/mo $275/mo
First Health Life & Health Insurance Company $232/mo $264/mo $295/mo $321/mo
Omaha Supplemental Insurance Company $234/mo $258/mo $307/mo $350/mo
GPM Health and Life Insurance Company $249/mo $253/mo $273/mo $324/mo
Guarantee Trust Life Insurance Company $277/mo $291/mo $321/mo $359/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.

Lowest High-Deductible Plan G Rates by Carrier in Georgia

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Atlantic Capital Life Assurance Company Lowest $41/mo $43/mo $49/mo $58/mo
HealthSpring National Health Insurance Company $41/mo $43/mo $50/mo $59/mo
Philadelphia American Life Insurance Company $46/mo $51/mo $57/mo $65/mo
Continental Life Insurance Company of Brentwood, Tennessee $48/mo $55/mo $63/mo $72/mo
Humana Insurance Company $48/mo $51/mo $57/mo $64/mo
Woodmen Of The World Life Insurance Society $49/mo $54/mo $66/mo $76/mo
MedMutual Protect $53/mo $56/mo $66/mo $77/mo
Insurance Company of North America $55/mo $57/mo $64/mo $74/mo
Medico Insurance Company $55/mo $55/mo $57/mo $64/mo
Washington National Insurance Company $56/mo $67/mo $82/mo $97/mo
Omaha Supplemental Insurance Company $58/mo $68/mo $82/mo $93/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.

Lowest Plan K Rates by Carrier in Georgia

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
AARP - UnitedHealthcare Insurance Company Lowest $73/mo $88/mo $97/mo $106/mo
Atlantic Capital Life Assurance Company $76/mo $79/mo $99/mo $107/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.

Lowest Plan L Rates by Carrier in Georgia

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
AARP - UnitedHealthcare Insurance Company Lowest $170/mo $205/mo $226/mo $246/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.

Lowest Plan M Rates by Carrier in Georgia

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Philadelphia American Life Insurance Company Lowest $97/mo $102/mo $114/mo $132/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.

Lowest Plan N Rates by Carrier in Georgia

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
HealthSpring National Health Insurance Company Lowest $89/mo $94/mo $110/mo $129/mo
Atlantic Capital Life Assurance Company $99/mo $102/mo $117/mo $138/mo
MedMutual Protect $111/mo $118/mo $138/mo $162/mo
Insurance Company of North America $115/mo $118/mo $133/mo $155/mo
Woodmen Of The World Life Insurance Society $115/mo $125/mo $155/mo $180/mo
Medico Insurance Company $116/mo $116/mo $121/mo $134/mo
AFLAC $120/mo $132/mo $145/mo $165/mo
First Health Life & Health Insurance Company $120/mo $137/mo $153/mo $168/mo
Continental Life Insurance Company of Brentwood, Tennessee $130/mo $149/mo $171/mo $195/mo
American Benefit Life Insurance Company $132/mo $144/mo $165/mo $189/mo
Washington National Insurance Company $137/mo $176/mo $226/mo $282/mo
State Farm Mutual Automobile Insurance Company $152/mo $174/mo $196/mo $216/mo
Omaha Supplemental Insurance Company $154/mo $181/mo $217/mo $247/mo
Humana Insurance Company $155/mo $166/mo $186/mo $208/mo
AARP - UnitedHealthcare Insurance Company $168/mo $203/mo $223/mo $244/mo
Physicians Life Insurance Company $169/mo $179/mo $203/mo $227/mo
GPM Health and Life Insurance Company $200/mo $203/mo $218/mo $259/mo
Guarantee Trust Life Insurance Company $218/mo $230/mo $253/mo $283/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.

Average Plan A Rates by Carrier in Georgia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Continental Life Insurance Company of Brentwood, Tennessee $139/mo $160/mo $183/mo $209/mo
HealthSpring National Health Insurance Company $170/mo $179/mo $210/mo $246/mo
First Health Life & Health Insurance Company $171/mo $189/mo $202/mo $209/mo
Woodmen Of The World Life Insurance Society $172/mo $185/mo $226/mo $264/mo
Philadelphia American Life Insurance Company $174/mo $181/mo $210/mo $234/mo
MedMutual Protect $175/mo $186/mo $219/mo $256/mo
Atlantic Capital Life Assurance Company $181/mo $187/mo $213/mo $252/mo
Insurance Company of North America $184/mo $188/mo $213/mo $247/mo
American Benefit Life Insurance Company $187/mo $193/mo $217/mo $249/mo
State Farm Mutual Automobile Insurance Company $194/mo $215/mo $233/mo $246/mo
AFLAC $195/mo $209/mo $233/mo $261/mo
Humana Insurance Company $211/mo $226/mo $252/mo $282/mo
Medico Insurance Company $211/mo $211/mo $221/mo $245/mo
AARP - UnitedHealthcare Insurance Company $220/mo $265/mo $292/mo $319/mo
Omaha Supplemental Insurance Company $220/mo $243/mo $289/mo $330/mo
Physicians Life Insurance Company $223/mo $223/mo $223/mo $223/mo
Washington National Insurance Company $233/mo $301/mo $385/mo $482/mo
GPM Health and Life Insurance Company $259/mo $263/mo $283/mo $336/mo
Guarantee Trust Life Insurance Company $274/mo $288/mo $318/mo $355/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.

Average Plan B Rates by Carrier in Georgia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
First Health Life & Health Insurance Company $202/mo $228/mo $250/mo $268/mo
AARP - UnitedHealthcare Insurance Company $337/mo $407/mo $447/mo $488/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average Plan C Rates by Carrier in Georgia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Philadelphia American Life Insurance Company $196/mo $206/mo $231/mo $266/mo
State Farm Mutual Automobile Insurance Company $291/mo $323/mo $351/mo $370/mo
AARP - UnitedHealthcare Insurance Company $367/mo $443/mo $487/mo $532/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.

Average Plan D Rates by Carrier in Georgia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Philadelphia American Life Insurance Company $165/mo $169/mo $191/mo $213/mo
State Farm Mutual Automobile Insurance Company $203/mo $230/mo $256/mo $278/mo
MedMutual Protect $427/mo $456/mo $535/mo $627/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.

Average Plan F Rates by Carrier in Georgia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
MedMutual Protect $177/mo $189/mo $222/mo $260/mo
Atlantic Capital Life Assurance Company $193/mo $200/mo $228/mo $270/mo
Woodmen Of The World Life Insurance Society $195/mo $209/mo $254/mo $294/mo
AFLAC $209/mo $223/mo $248/mo $283/mo
Insurance Company of North America $211/mo $215/mo $244/mo $282/mo
Continental Life Insurance Company of Brentwood, Tennessee $233/mo $249/mo $282/mo $322/mo
American Benefit Life Insurance Company $236/mo $245/mo $282/mo $325/mo
HealthSpring National Health Insurance Company $237/mo $249/mo $293/mo $344/mo
Physicians Life Insurance Company $247/mo $261/mo $297/mo $332/mo
Humana Insurance Company $262/mo $280/mo $314/mo $351/mo
Washington National Insurance Company $269/mo $326/mo $395/mo $471/mo
State Farm Mutual Automobile Insurance Company $294/mo $326/mo $354/mo $373/mo
Medico Insurance Company $301/mo $301/mo $315/mo $349/mo
First Health Life & Health Insurance Company $318/mo $360/mo $399/mo $433/mo
Omaha Supplemental Insurance Company $331/mo $369/mo $435/mo $497/mo
GPM Health and Life Insurance Company $374/mo $379/mo $409/mo $485/mo
Guarantee Trust Life Insurance Company $381/mo $401/mo $442/mo $494/mo
AARP - UnitedHealthcare Insurance Company $410/mo $494/mo $543/mo $593/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.

Average High-Deductible Plan F Rates by Carrier in Georgia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Philadelphia American Life Insurance Company $63/mo $70/mo $79/mo $90/mo
Medico Insurance Company $91/mo $91/mo $96/mo $106/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.

Average Plan G Rates by Carrier in Georgia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Atlantic Capital Life Assurance Company $162/mo $168/mo $191/mo $227/mo
MedMutual Protect $163/mo $173/mo $204/mo $239/mo
Woodmen Of The World Life Insurance Society $174/mo $187/mo $228/mo $266/mo
American Benefit Life Insurance Company $185/mo $192/mo $217/mo $252/mo
Insurance Company of North America $186/mo $190/mo $215/mo $249/mo
AFLAC $190/mo $202/mo $229/mo $263/mo
Washington National Insurance Company $195/mo $252/mo $323/mo $404/mo
Medico Insurance Company $196/mo $196/mo $205/mo $227/mo
Continental Life Insurance Company of Brentwood, Tennessee $199/mo $213/mo $241/mo $275/mo
State Farm Mutual Automobile Insurance Company $203/mo $231/mo $256/mo $278/mo
HealthSpring National Health Insurance Company $211/mo $222/mo $261/mo $307/mo
Humana Insurance Company $213/mo $228/mo $255/mo $285/mo
Physicians Life Insurance Company $215/mo $228/mo $258/mo $289/mo
Omaha Supplemental Insurance Company $245/mo $270/mo $321/mo $367/mo
First Health Life & Health Insurance Company $253/mo $288/mo $322/mo $350/mo
GPM Health and Life Insurance Company $259/mo $263/mo $283/mo $337/mo
Guarantee Trust Life Insurance Company $292/mo $307/mo $339/mo $379/mo
AARP - UnitedHealthcare Insurance Company $332/mo $392/mo $466/mo $514/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.

Average High-Deductible Plan G Rates by Carrier in Georgia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Continental Life Insurance Company of Brentwood, Tennessee $48/mo $55/mo $63/mo $72/mo
Humana Insurance Company $50/mo $53/mo $59/mo $66/mo
Philadelphia American Life Insurance Company $50/mo $55/mo $62/mo $70/mo
Atlantic Capital Life Assurance Company $51/mo $53/mo $60/mo $71/mo
Woodmen Of The World Life Insurance Society $52/mo $57/mo $70/mo $80/mo
MedMutual Protect $55/mo $58/mo $68/mo $80/mo
Insurance Company of North America $58/mo $60/mo $67/mo $78/mo
Omaha Supplemental Insurance Company $61/mo $71/mo $85/mo $97/mo
HealthSpring National Health Insurance Company $62/mo $66/mo $77/mo $91/mo
Washington National Insurance Company $62/mo $75/mo $91/mo $109/mo
Medico Insurance Company $68/mo $68/mo $71/mo $78/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.

Average Plan K Rates by Carrier in Georgia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Atlantic Capital Life Assurance Company $92/mo $95/mo $113/mo $132/mo
AARP - UnitedHealthcare Insurance Company $95/mo $115/mo $126/mo $139/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average Plan L Rates by Carrier in Georgia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
AARP - UnitedHealthcare Insurance Company $222/mo $268/mo $295/mo $322/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.

Average Plan M Rates by Carrier in Georgia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Philadelphia American Life Insurance Company $103/mo $108/mo $121/mo $140/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.

Average Plan N Rates by Carrier in Georgia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
MedMutual Protect $115/mo $123/mo $144/mo $169/mo
Atlantic Capital Life Assurance Company $120/mo $127/mo $144/mo $171/mo
Insurance Company of North America $121/mo $124/mo $140/mo $163/mo
Woodmen Of The World Life Insurance Society $122/mo $133/mo $165/mo $191/mo
AFLAC $128/mo $140/mo $155/mo $176/mo
Continental Life Insurance Company of Brentwood, Tennessee $130/mo $149/mo $171/mo $195/mo
First Health Life & Health Insurance Company $131/mo $149/mo $167/mo $183/mo
HealthSpring National Health Insurance Company $137/mo $144/mo $169/mo $199/mo
American Benefit Life Insurance Company $140/mo $153/mo $176/mo $200/mo
Medico Insurance Company $143/mo $143/mo $149/mo $165/mo
Washington National Insurance Company $153/mo $197/mo $252/mo $315/mo
State Farm Mutual Automobile Insurance Company $155/mo $178/mo $200/mo $220/mo
Humana Insurance Company $161/mo $172/mo $193/mo $216/mo
Omaha Supplemental Insurance Company $161/mo $190/mo $227/mo $259/mo
Physicians Life Insurance Company $178/mo $188/mo $214/mo $239/mo
GPM Health and Life Insurance Company $208/mo $211/mo $227/mo $270/mo
Guarantee Trust Life Insurance Company $231/mo $243/mo $268/mo $299/mo
AARP - UnitedHealthcare Insurance Company $236/mo $285/mo $314/mo $343/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.

Underwriting & Household Discount Pricing — Plan A in Georgia

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 Georgia carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
HealthSpring National Health Insurance Company w / 20% HHD $110 – $127/mo
w / 6% HHD $130 – $150/mo
Standard II w / 20% HHD $165 – $191/mo
Standard II w / 6% HHD $194 – $224/mo
Standard II $207 – $239/mo
Atlantic Capital Life Assurance Company Preferred $146 – $175/mo
Standard $182 – $219/mo
AARP - UnitedHealthcare Insurance Company Standard $168 – $183/mo
Level 2 $253 – $276/mo
Medico Insurance Company Preferred $171 – $207/mo
Standard I $188 – $228/mo
Standard II $214 – $259/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.

Underwriting & Household Discount Pricing — Plan B in Georgia

Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes

Why this matters: Carriers price the same Plan B differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the Georgia carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
AARP - UnitedHealthcare Insurance Company Standard $258 – $281/mo
Level 2 $388 – $422/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.

Underwriting & Household Discount Pricing — Plan C in Georgia

Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes

Why this matters: Carriers price the same Plan C differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the Georgia carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
AARP - UnitedHealthcare Insurance Company Standard $281 – $306/mo
Level 2 $422 – $460/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.

Underwriting & Household Discount Pricing — Plan F in Georgia

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 Georgia carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
HealthSpring National Health Insurance Company w / 20% HHD $154 – $178/mo
w / 6% HHD $181 – $209/mo
Standard II w / 20% HHD $231 – $267/mo
Standard II w / 6% HHD $272 – $313/mo
Standard II $289 – $333/mo
Atlantic Capital Life Assurance Company Preferred $156 – $188/mo
Standard $195 – $234/mo
Medico Insurance Company Preferred $244 – $296/mo
Standard I $269 – $325/mo
Standard II $305 – $369/mo
AARP - UnitedHealthcare Insurance Company Standard $314 – $341/mo
Level 2 $471 – $513/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.

Underwriting & Household Discount Pricing — High-Deductible Plan F in Georgia

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 Georgia 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 $73 – $89/mo
Standard I $81 – $98/mo
Standard II $95 – $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.

Underwriting & Household Discount Pricing — Plan G in Georgia

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 Georgia 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
Atlantic Capital Life Assurance Company Preferred $131 – $158/mo
Standard $164 – $197/mo
HealthSpring National Health Insurance Company w / 20% HHD $137 – $159/mo
w / 6% HHD $161 – $186/mo
Standard II w / 20% HHD $206 – $238/mo
Standard II w / 6% HHD $242 – $279/mo
Standard II $258 – $297/mo
Medico Insurance Company Preferred $159 – $192/mo
Standard I $175 – $212/mo
Standard II $199 – $240/mo
AARP - UnitedHealthcare Insurance Company Standard $188 – $205/mo
Level 2 $447 – $487/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.

Underwriting & Household Discount Pricing — High-Deductible Plan G in Georgia

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 Georgia 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
Atlantic Capital Life Assurance Company Preferred $41 – $50/mo
Standard $51 – $62/mo
HealthSpring National Health Insurance Company w / 20% HHD $41 – $47/mo
w / 6% HHD $48 – $55/mo
Standard II w / 20% HHD $61 – $70/mo
Standard II w / 6% HHD $71 – $82/mo
Standard II $76 – $88/mo
Medico Insurance Company Preferred $55 – $66/mo
Standard I $60 – $73/mo
Standard II $69 – $83/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.

Underwriting & Household Discount Pricing — Plan K in Georgia

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 Georgia carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
AARP - UnitedHealthcare Insurance Company Standard $73 – $79/mo
Level 2 $110 – $120/mo
Atlantic Capital Life Assurance Company Preferred $76 – $92/mo
Standard $95 – $104/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.

Underwriting & Household Discount Pricing — Plan L in Georgia

Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes

Why this matters: Carriers price the same Plan L differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the Georgia carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
AARP - UnitedHealthcare Insurance Company Standard $170 – $185/mo
Level 2 $255 – $278/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.

Underwriting & Household Discount Pricing — Plan N in Georgia

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 Georgia carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
HealthSpring National Health Insurance Company w / 20% HHD $89 – $103/mo
w / 6% HHD $105 – $121/mo
Standard II w / 20% HHD $134 – $154/mo
Standard II w / 6% HHD $157 – $181/mo
Standard II $167 – $193/mo
Atlantic Capital Life Assurance Company Preferred $99 – $109/mo
Standard $123 – $148/mo
Medico Insurance Company Preferred $116 – $140/mo
Standard I $127 – $154/mo
Standard II $145 – $175/mo
AARP - UnitedHealthcare Insurance Company Standard $168 – $183/mo
Level 2 $285 – $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.

RESOURCES

More Information on Medicare Supplement in Georgia

Yes. Georgia follows the standard federal 6-month Medigap Open Enrollment Period, which begins the first day of the month you are 65 or older and enrolled in Medicare Part B. During this crucial six-month window, you have a guaranteed right to buy any Medigap policy sold in Georgia. Insurance companies are completely prohibited from using medical underwriting, denying you coverage, or charging you higher premiums based on pre-existing health conditions or medical history.

While it is not legally mandated, prescription drug coverage (Medicare Part D) is highly recommended for Georgia beneficiaries. Standard Medigap policies do not cover outpatient prescription medications. If you do not enroll in a standalone Part D plan or a Medicare Advantage plan with drug coverage when you are first eligible—and you do not have creditable drug coverage from another source like an employer—you will likely face a lifelong late enrollment penalty when you sign up later.

No. Georgia does not currently have a state-mandated Medigap birthday rule or annual switching window. Outside of your initial 6-month Open Enrollment Period or a qualifying guaranteed issue life event (such as your Medicare Advantage plan leaving your county), switching Medigap plans or carriers in Georgia requires you to pass medical underwriting. Insurance companies can look at your health history and choose to deny you a policy or charge you higher rates.

For the majority of Georgia residents, Medicare starts at age 65. Your Initial Enrollment Period opens three months before your 65th birthday month, includes your birth month, and ends three months later. The only situations where Medicare begins earlier in Georgia are if you qualify due to a long-term disability, End-Stage Renal Disease (ESRD), or Amyotrophic Lateral Sclerosis (ALS).

Yes. You can qualify for Original Medicare under age 65 if you have a qualifying disability (after receiving SSDI for 24 months), ESRD, or ALS. However, Georgia state law does not require private insurance companies to sell Medigap policies to disabled Medicare beneficiaries under 65. If you are under 65 and find a carrier that voluntarily offers a plan, premiums are typically significantly higher than they are for seniors. Fortunately, once you turn 65, you will automatically get a fresh, guaranteed-issue 6-month Medigap Open Enrollment Period with standard pricing.

Before You Compare

Is Choosing the Cheapest Plan Right for Me?

The lowest premium isn't always the best value. Medigap plans are standardized — every Plan G covers the same benefits — but carriers differ in ways that affect your long-term costs and experience:

  • Introductory rates can be misleading. Some carriers offer low first-year premiums that increase significantly at renewal. Ask about a carrier's rate increase history before enrolling.
  • Rate stability matters more than starting price. A carrier that raises rates 3% annually will cost less over 10 years than one that starts lower but increases 8–12% per year.
  • Financial strength protects your coverage. AM Best ratings measure a carrier's ability to pay claims. A financially strong carrier is less likely to exit the market or impose steep rate hikes.

Questions to ask your agent:

  • "What's this carrier's rate increase history over the last 5 years?"
  • "How financially stable is this company?"
Talk to a licensed agent →
Ready to find the right Medicare plan?