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.
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 | $237/mo |
| 70 | $263/mo |
| 75 | $301/mo |
| 80 | $334/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 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.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Anthem Blue Cross and Blue Shield - Georgia Lowest | $116/mo | $136/mo | $170/mo | $189/mo |
| Mutual of Omaha Insurance Company | $121/mo | $129/mo | $143/mo | $159/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $139/mo | $160/mo | $183/mo | $209/mo |
| United American Insurance Company | $145/mo | $147/mo | $147/mo | $147/mo |
| MedMutual Protect | $146/mo | $156/mo | $183/mo | $214/mo |
| First Health Life & Health Insurance Company | $157/mo | $173/mo | $185/mo | $192/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 |
| Medico Insurance Company | $171/mo | $171/mo | $179/mo | $199/mo |
| AFLAC | $184/mo | $197/mo | $219/mo | $246/mo |
| State Farm Mutual Automobile Insurance Company | $190/mo | $211/mo | $229/mo | $241/mo |
| Guarantee Trust Life Insurance Company | $259/mo | $272/mo | $300/mo | $336/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Anthem Blue Cross and Blue Shield - Georgia Lowest | $129/mo | $152/mo | $186/mo | $208/mo |
| Mutual of Omaha Insurance Company | $139/mo | $148/mo | $164/mo | $183/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $160/mo | $184/mo | $211/mo | $240/mo |
| United American Insurance Company | $166/mo | $169/mo | $169/mo | $169/mo |
| MedMutual Protect | $161/mo | $171/mo | $201/mo | $236/mo |
| First Health Life & Health Insurance Company | $170/mo | $188/mo | $201/mo | $208/mo |
| Woodmen Of The World Life Insurance Society | $186/mo | $201/mo | $245/mo | $285/mo |
| AARP - UnitedHealthcare Insurance Company | $190/mo | $229/mo | $252/mo | $275/mo |
| Medico Insurance Company | $197/mo | $197/mo | $206/mo | $228/mo |
| AFLAC | $211/mo | $226/mo | $251/mo | $282/mo |
| State Farm Mutual Automobile Insurance Company | $206/mo | $228/mo | $248/mo | $261/mo |
| Guarantee Trust Life Insurance Company | $290/mo | $305/mo | $336/mo | $376/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 | $185/mo | $209/mo | $229/mo | $246/mo |
| AARP - UnitedHealthcare Insurance Company | $258/mo | $311/mo | $342/mo | $374/mo |
| United American Insurance Company | $316/mo | $333/mo | $334/mo | $334/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $200/mo | $225/mo | $248/mo | $265/mo |
| AARP - UnitedHealthcare Insurance Company | $291/mo | $351/mo | $386/mo | $422/mo |
| United American Insurance Company | $363/mo | $383/mo | $384/mo | $384/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $281/mo | $339/mo | $373/mo | $407/mo |
| State Farm Mutual Automobile Insurance Company | $285/mo | $317/mo | $344/mo | $362/mo |
| United American Insurance Company | $368/mo | $399/mo | $420/mo | $437/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company | $317/mo | $382/mo | $421/mo | $459/mo |
| State Farm Mutual Automobile Insurance Company Lowest | $309/mo | $343/mo | $373/mo | $393/mo |
| United American Insurance Company | $423/mo | $459/mo | $483/mo | $503/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $199/mo | $226/mo | $251/mo | $273/mo |
| MedMutual Protect | $357/mo | $381/mo | $447/mo | $525/mo |
| United American Insurance Company | $358/mo | $390/mo | $412/mo | $430/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $219/mo | $255/mo | $287/mo | $316/mo |
| MedMutual Protect | $393/mo | $419/mo | $492/mo | $577/mo |
| United American Insurance Company | $412/mo | $449/mo | $473/mo | $494/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 |
|---|---|---|---|---|
| MedMutual Protect Lowest | $148/mo | $158/mo | $185/mo | $218/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 |
| Continental Life Insurance Company of Brentwood, Tennessee | $233/mo | $249/mo | $282/mo | $322/mo |
| Medico Insurance Company | $244/mo | $244/mo | $255/mo | $283/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 |
| Anthem Blue Cross and Blue Shield - Georgia | $306/mo | $359/mo | $448/mo | $495/mo |
| Mutual of Omaha Insurance Company | $309/mo | $329/mo | $365/mo | $407/mo |
| AARP - UnitedHealthcare Insurance Company | $314/mo | $378/mo | $416/mo | $454/mo |
| Guarantee Trust Life Insurance Company | $361/mo | $379/mo | $419/mo | $468/mo |
| United American Insurance Company | $428/mo | $464/mo | $488/mo | $508/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect Lowest | $163/mo | $174/mo | $204/mo | $239/mo |
| Woodmen Of The World Life Insurance Society | $211/mo | $226/mo | $275/mo | $318/mo |
| AFLAC | $226/mo | $240/mo | $268/mo | $305/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $268/mo | $287/mo | $325/mo | $370/mo |
| Medico Insurance Company | $281/mo | $281/mo | $294/mo | $325/mo |
| State Farm Mutual Automobile Insurance Company | $312/mo | $347/mo | $376/mo | $397/mo |
| First Health Life & Health Insurance Company | $313/mo | $354/mo | $393/mo | $426/mo |
| Anthem Blue Cross and Blue Shield - Georgia | $337/mo | $399/mo | $490/mo | $546/mo |
| Mutual of Omaha Insurance Company | $356/mo | $379/mo | $420/mo | $468/mo |
| AARP - UnitedHealthcare Insurance Company | $354/mo | $427/mo | $469/mo | $512/mo |
| Guarantee Trust Life Insurance Company | $404/mo | $425/mo | $469/mo | $524/mo |
| United American Insurance Company | $492/mo | $534/mo | $561/mo | $584/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 | $63/mo | $70/mo | $74/mo | $78/mo |
| Medico Insurance Company | $73/mo | $73/mo | $77/mo | $88/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $72/mo | $80/mo | $86/mo | $90/mo |
| Medico Insurance Company | $88/mo | $88/mo | $92/mo | $98/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 |
|---|---|---|---|---|
| MedMutual Protect Lowest | $136/mo | $145/mo | $170/mo | $200/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 |
| AFLAC | $179/mo | $190/mo | $216/mo | $247/mo |
| Anthem Blue Cross and Blue Shield - Georgia | $182/mo | $209/mo | $252/mo | $278/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 |
| Mutual of Omaha Insurance Company | $213/mo | $226/mo | $248/mo | $280/mo |
| First Health Life & Health Insurance Company | $232/mo | $264/mo | $295/mo | $321/mo |
| Guarantee Trust Life Insurance Company | $277/mo | $291/mo | $321/mo | $359/mo |
| United American Insurance Company | $332/mo | $362/mo | $382/mo | $398/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect Lowest | $150/mo | $160/mo | $187/mo | $220/mo |
| Medico Insurance Company | $183/mo | $183/mo | $191/mo | $212/mo |
| Woodmen Of The World Life Insurance Society | $188/mo | $203/mo | $247/mo | $288/mo |
| AFLAC | $205/mo | $218/mo | $247/mo | $283/mo |
| Anthem Blue Cross and Blue Shield - Georgia | $203/mo | $231/mo | $276/mo | $302/mo |
| AARP - UnitedHealthcare Insurance Company | $213/mo | $251/mo | $299/mo | $329/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $229/mo | $245/mo | $278/mo | $316/mo |
| State Farm Mutual Automobile Insurance Company | $219/mo | $256/mo | $288/mo | $317/mo |
| Mutual of Omaha Insurance Company | $245/mo | $259/mo | $286/mo | $322/mo |
| First Health Life & Health Insurance Company | $249/mo | $282/mo | $315/mo | $343/mo |
| Guarantee Trust Life Insurance Company | $310/mo | $326/mo | $359/mo | $402/mo |
| United American Insurance Company | $382/mo | $417/mo | $439/mo | $458/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 |
|---|---|---|---|---|
| MedMutual Protect Lowest | $46/mo | $49/mo | $57/mo | $67/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $48/mo | $55/mo | $63/mo | $72/mo |
| Woodmen Of The World Life Insurance Society | $49/mo | $54/mo | $66/mo | $76/mo |
| Medico Insurance Company | $55/mo | $55/mo | $57/mo | $64/mo |
| Mutual of Omaha Insurance Company | $59/mo | $62/mo | $68/mo | $76/mo |
| United American Insurance Company | $63/mo | $70/mo | $74/mo | $78/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect Lowest | $50/mo | $54/mo | $63/mo | $74/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $56/mo | $64/mo | $73/mo | $83/mo |
| Woodmen Of The World Life Insurance Society | $57/mo | $62/mo | $76/mo | $87/mo |
| Medico Insurance Company | $63/mo | $63/mo | $66/mo | $73/mo |
| Mutual of Omaha Insurance Company | $65/mo | $68/mo | $76/mo | $84/mo |
| United American Insurance Company | $72/mo | $80/mo | $86/mo | $90/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $73/mo | $88/mo | $97/mo | $106/mo |
| United American Insurance Company | $122/mo | $135/mo | $141/mo | $143/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $82/mo | $99/mo | $110/mo | $120/mo |
| United American Insurance Company | $140/mo | $156/mo | $162/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 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $170/mo | $205/mo | $226/mo | $246/mo |
| United American Insurance Company | $180/mo | $199/mo | $208/mo | $211/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $192/mo | $231/mo | $254/mo | $278/mo |
| United American Insurance Company | $207/mo | $229/mo | $239/mo | $242/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 |
|---|---|---|---|---|
| MedMutual Protect Lowest | $96/mo | $102/mo | $120/mo | $141/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 |
| Mutual of Omaha Insurance Company | $136/mo | $144/mo | $159/mo | $179/mo |
| State Farm Mutual Automobile Insurance Company | $152/mo | $174/mo | $196/mo | $216/mo |
| AARP - UnitedHealthcare Insurance Company | $168/mo | $203/mo | $223/mo | $244/mo |
| Anthem Blue Cross and Blue Shield - Georgia | $193/mo | $225/mo | $278/mo | $311/mo |
| Guarantee Trust Life Insurance Company | $218/mo | $230/mo | $253/mo | $283/mo |
| United American Insurance Company | $249/mo | $273/mo | $290/mo | $305/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect Lowest | $106/mo | $113/mo | $132/mo | $155/mo |
| Woodmen Of The World Life Insurance Society | $132/mo | $144/mo | $178/mo | $207/mo |
| Medico Insurance Company | $133/mo | $133/mo | $139/mo | $154/mo |
| AFLAC | $138/mo | $151/mo | $167/mo | $189/mo |
| First Health Life & Health Insurance Company | $127/mo | $145/mo | $163/mo | $179/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $150/mo | $172/mo | $196/mo | $224/mo |
| Mutual of Omaha Insurance Company | $157/mo | $166/mo | $183/mo | $206/mo |
| State Farm Mutual Automobile Insurance Company | $170/mo | $198/mo | $224/mo | $250/mo |
| AARP - UnitedHealthcare Insurance Company | $189/mo | $229/mo | $252/mo | $275/mo |
| Anthem Blue Cross and Blue Shield - Georgia | $213/mo | $249/mo | $306/mo | $342/mo |
| Guarantee Trust Life Insurance Company | $245/mo | $257/mo | $284/mo | $317/mo |
| United American Insurance Company | $286/mo | $313/mo | $333/mo | $351/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 |
|---|---|---|---|---|
| Anthem Blue Cross and Blue Shield - Georgia | $120/mo | $140/mo | $174/mo | $194/mo |
| Mutual of Omaha Insurance Company | $127/mo | $135/mo | $149/mo | $166/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $139/mo | $160/mo | $183/mo | $209/mo |
| United American Insurance Company | $145/mo | $147/mo | $147/mo | $147/mo |
| MedMutual Protect | $152/mo | $162/mo | $190/mo | $223/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 |
| State Farm Mutual Automobile Insurance Company | $194/mo | $215/mo | $233/mo | $246/mo |
| AFLAC | $195/mo | $209/mo | $233/mo | $261/mo |
| Medico Insurance Company | $211/mo | $211/mo | $221/mo | $245/mo |
| AARP - UnitedHealthcare Insurance Company | $220/mo | $265/mo | $292/mo | $319/mo |
| Guarantee Trust Life Insurance Company | $274/mo | $288/mo | $318/mo | $355/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Anthem Blue Cross and Blue Shield - Georgia | $132/mo | $156/mo | $191/mo | $214/mo |
| Mutual of Omaha Insurance Company | $145/mo | $155/mo | $172/mo | $191/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $160/mo | $184/mo | $211/mo | $240/mo |
| United American Insurance Company | $166/mo | $169/mo | $169/mo | $169/mo |
| MedMutual Protect | $167/mo | $178/mo | $209/mo | $245/mo |
| First Health Life & Health Insurance Company | $186/mo | $205/mo | $219/mo | $227/mo |
| Woodmen Of The World Life Insurance Society | $198/mo | $213/mo | $260/mo | $303/mo |
| State Farm Mutual Automobile Insurance Company | $210/mo | $233/mo | $253/mo | $267/mo |
| AFLAC | $224/mo | $240/mo | $266/mo | $299/mo |
| Medico Insurance Company | $243/mo | $243/mo | $254/mo | $282/mo |
| AARP - UnitedHealthcare Insurance Company | $248/mo | $299/mo | $329/mo | $360/mo |
| Guarantee Trust Life Insurance Company | $307/mo | $322/mo | $356/mo | $397/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 | $202/mo | $228/mo | $250/mo | $268/mo |
| United American Insurance Company | $316/mo | $333/mo | $334/mo | $334/mo |
| AARP - UnitedHealthcare Insurance Company | $337/mo | $407/mo | $447/mo | $488/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $218/mo | $246/mo | $271/mo | $289/mo |
| United American Insurance Company | $363/mo | $383/mo | $384/mo | $384/mo |
| AARP - UnitedHealthcare Insurance Company | $381/mo | $459/mo | $505/mo | $551/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $291/mo | $323/mo | $351/mo | $370/mo |
| AARP - UnitedHealthcare Insurance Company | $367/mo | $443/mo | $487/mo | $532/mo |
| United American Insurance Company | $368/mo | $399/mo | $420/mo | $437/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $315/mo | $350/mo | $380/mo | $400/mo |
| AARP - UnitedHealthcare Insurance Company | $414/mo | $500/mo | $550/mo | $600/mo |
| United American Insurance Company | $423/mo | $459/mo | $483/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 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $203/mo | $230/mo | $256/mo | $278/mo |
| United American Insurance Company | $358/mo | $390/mo | $412/mo | $430/mo |
| MedMutual Protect | $372/mo | $396/mo | $465/mo | $546/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $223/mo | $260/mo | $293/mo | $322/mo |
| United American Insurance Company | $412/mo | $449/mo | $473/mo | $494/mo |
| MedMutual Protect | $409/mo | $436/mo | $511/mo | $600/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 |
|---|---|---|---|---|
| MedMutual Protect | $154/mo | $164/mo | $193/mo | $226/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 |
| Continental Life Insurance Company of Brentwood, Tennessee | $233/mo | $249/mo | $282/mo | $322/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 |
| Anthem Blue Cross and Blue Shield - Georgia | $315/mo | $369/mo | $458/mo | $509/mo |
| First Health Life & Health Insurance Company | $318/mo | $360/mo | $399/mo | $433/mo |
| Mutual of Omaha Insurance Company | $324/mo | $345/mo | $382/mo | $426/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 |
| United American Insurance Company | $428/mo | $464/mo | $488/mo | $508/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect | $170/mo | $181/mo | $212/mo | $249/mo |
| Woodmen Of The World Life Insurance Society | $225/mo | $241/mo | $292/mo | $338/mo |
| AFLAC | $240/mo | $255/mo | $285/mo | $324/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $268/mo | $287/mo | $325/mo | $370/mo |
| State Farm Mutual Automobile Insurance Company | $318/mo | $354/mo | $384/mo | $405/mo |
| Medico Insurance Company | $347/mo | $347/mo | $362/mo | $402/mo |
| Anthem Blue Cross and Blue Shield - Georgia | $347/mo | $409/mo | $502/mo | $561/mo |
| First Health Life & Health Insurance Company | $341/mo | $386/mo | $429/mo | $464/mo |
| Mutual of Omaha Insurance Company | $372/mo | $396/mo | $440/mo | $490/mo |
| Guarantee Trust Life Insurance Company | $427/mo | $449/mo | $496/mo | $554/mo |
| AARP - UnitedHealthcare Insurance Company | $462/mo | $557/mo | $613/mo | $669/mo |
| United American Insurance Company | $492/mo | $534/mo | $561/mo | $584/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 | $63/mo | $70/mo | $74/mo | $78/mo |
| Medico Insurance Company | $91/mo | $91/mo | $96/mo | $106/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $72/mo | $80/mo | $86/mo | $90/mo |
| Medico Insurance Company | $105/mo | $105/mo | $107/mo | $118/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect | $141/mo | $151/mo | $177/mo | $208/mo |
| Woodmen Of The World Life Insurance Society | $174/mo | $187/mo | $228/mo | $266/mo |
| Anthem Blue Cross and Blue Shield - Georgia | $187/mo | $213/mo | $259/mo | $284/mo |
| AFLAC | $190/mo | $202/mo | $229/mo | $263/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 |
| Mutual of Omaha Insurance Company | $223/mo | $236/mo | $260/mo | $293/mo |
| First Health Life & Health Insurance Company | $253/mo | $288/mo | $322/mo | $350/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 |
| United American Insurance Company | $332/mo | $362/mo | $382/mo | $398/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect | $156/mo | $166/mo | $195/mo | $228/mo |
| Woodmen Of The World Life Insurance Society | $200/mo | $215/mo | $263/mo | $306/mo |
| Anthem Blue Cross and Blue Shield - Georgia | $205/mo | $235/mo | $283/mo | $309/mo |
| AFLAC | $218/mo | $231/mo | $262/mo | $301/mo |
| Medico Insurance Company | $226/mo | $226/mo | $236/mo | $261/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $229/mo | $245/mo | $278/mo | $316/mo |
| State Farm Mutual Automobile Insurance Company | $224/mo | $261/mo | $293/mo | $323/mo |
| Mutual of Omaha Insurance Company | $257/mo | $272/mo | $299/mo | $337/mo |
| First Health Life & Health Insurance Company | $272/mo | $308/mo | $344/mo | $374/mo |
| Guarantee Trust Life Insurance Company | $327/mo | $344/mo | $380/mo | $425/mo |
| AARP - UnitedHealthcare Insurance Company | $375/mo | $442/mo | $526/mo | $579/mo |
| United American Insurance Company | $382/mo | $417/mo | $439/mo | $458/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 |
|---|---|---|---|---|
| Continental Life Insurance Company of Brentwood, Tennessee | $48/mo | $55/mo | $63/mo | $72/mo |
| MedMutual Protect | $48/mo | $51/mo | $60/mo | $70/mo |
| Woodmen Of The World Life Insurance Society | $52/mo | $57/mo | $70/mo | $80/mo |
| Mutual of Omaha Insurance Company | $61/mo | $65/mo | $71/mo | $79/mo |
| United American Insurance Company | $63/mo | $70/mo | $74/mo | $78/mo |
| Medico Insurance Company | $68/mo | $68/mo | $71/mo | $78/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Continental Life Insurance Company of Brentwood, Tennessee | $56/mo | $64/mo | $73/mo | $83/mo |
| MedMutual Protect | $52/mo | $56/mo | $65/mo | $77/mo |
| Woodmen Of The World Life Insurance Society | $60/mo | $65/mo | $80/mo | $92/mo |
| Mutual of Omaha Insurance Company | $68/mo | $72/mo | $79/mo | $88/mo |
| United American Insurance Company | $72/mo | $80/mo | $86/mo | $90/mo |
| Medico Insurance Company | $78/mo | $78/mo | $81/mo | $91/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company | $95/mo | $115/mo | $126/mo | $139/mo |
| United American Insurance Company | $122/mo | $135/mo | $141/mo | $143/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company | $108/mo | $129/mo | $143/mo | $157/mo |
| United American Insurance Company | $140/mo | $156/mo | $162/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 |
|---|---|---|---|---|
| United American Insurance Company | $180/mo | $199/mo | $208/mo | $211/mo |
| AARP - UnitedHealthcare Insurance Company | $222/mo | $268/mo | $295/mo | $322/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $207/mo | $229/mo | $239/mo | $242/mo |
| AARP - UnitedHealthcare Insurance Company | $251/mo | $302/mo | $332/mo | $363/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 |
|---|---|---|---|---|
| MedMutual Protect | $100/mo | $107/mo | $125/mo | $147/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 |
| Medico Insurance Company | $143/mo | $143/mo | $149/mo | $165/mo |
| Mutual of Omaha Insurance Company | $143/mo | $151/mo | $166/mo | $187/mo |
| State Farm Mutual Automobile Insurance Company | $155/mo | $178/mo | $200/mo | $220/mo |
| Anthem Blue Cross and Blue Shield - Georgia | $196/mo | $230/mo | $286/mo | $319/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 |
| United American Insurance Company | $249/mo | $273/mo | $290/mo | $305/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect | $110/mo | $117/mo | $138/mo | $161/mo |
| Woodmen Of The World Life Insurance Society | $141/mo | $153/mo | $189/mo | $219/mo |
| AFLAC | $146/mo | $160/mo | $177/mo | $201/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $150/mo | $172/mo | $196/mo | $224/mo |
| First Health Life & Health Insurance Company | $139/mo | $158/mo | $178/mo | $195/mo |
| Medico Insurance Company | $164/mo | $164/mo | $172/mo | $190/mo |
| Mutual of Omaha Insurance Company | $164/mo | $173/mo | $191/mo | $215/mo |
| State Farm Mutual Automobile Insurance Company | $173/mo | $202/mo | $229/mo | $255/mo |
| Anthem Blue Cross and Blue Shield - Georgia | $217/mo | $257/mo | $314/mo | $351/mo |
| Guarantee Trust Life Insurance Company | $259/mo | $272/mo | $300/mo | $335/mo |
| AARP - UnitedHealthcare Insurance Company | $266/mo | $322/mo | $354/mo | $386/mo |
| United American Insurance Company | $286/mo | $313/mo | $333/mo | $351/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 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 | $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 |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $190 – $207/mo |
| Level 2 | $285 – $311/mo | |
| Medico Insurance Company | Preferred | $197 – $238/mo |
| Standard I | $217 – $262/mo | |
| Standard II | $246 – $298/mo |
Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.
Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes
Why this matters: Carriers price the same Plan B differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the 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 |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $291 – $317/mo |
| Level 2 | $438 – $477/mo |
Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.
Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes
Why this matters: Carriers price the same Plan C differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the 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 |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $317 – $345/mo |
| Level 2 | $477 – $519/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 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 | $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 |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Insurance Company | Preferred | $281 – $340/mo |
| Standard I | $309 – $374/mo | |
| Standard II | $351 – $425/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $354 – $385/mo |
| Level 2 | $532 – $579/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 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 |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Insurance Company | Preferred | $88 – $102/mo |
| Standard I | $97 – $112/mo | |
| Standard II | $105 – $127/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 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 | $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 |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Insurance Company | Preferred | $183 – $221/mo |
| Standard I | $201 – $243/mo | |
| Standard II | $228 – $277/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $213 – $232/mo |
| Level 2 | $505 – $550/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 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 | $55 – $66/mo |
| Standard I | $60 – $73/mo | |
| Standard II | $69 – $83/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Insurance Company | Preferred | $63 – $76/mo |
| Standard I | $69 – $84/mo | |
| Standard II | $79 – $95/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 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 |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $82 – $90/mo |
| Level 2 | $124 – $135/mo |
Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.
Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes
Why this matters: Carriers price the same Plan L differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the 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 |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $192 – $209/mo |
| Level 2 | $288 – $314/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 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 | $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 |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Insurance Company | Preferred | $133 – $161/mo |
| Standard I | $146 – $177/mo | |
| Standard II | $166 – $201/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $189 – $206/mo |
| Level 2 | $321 – $350/mo |
Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.
Yes. 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.
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