Compare 2026 Medicare Supplement (Medigap) rates in Illinois. 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 | $267/mo |
| 70 | $292/mo |
| 75 | $338/mo |
| 80 | $375/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 Illinois. 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 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $123/mo | $155/mo | $180/mo | $202/mo |
| United American Insurance Company | $126/mo | $155/mo | $164/mo | $164/mo |
| AARP - UnitedHealthcare Insurance Company | $135/mo | $148/mo | $182/mo | $216/mo |
| BlueCross BlueShield of Illinois | $147/mo | $181/mo | $221/mo | $250/mo |
| Nassau Life Insurance Company | $149/mo | $157/mo | $191/mo | $224/mo |
| MedMutual Protect | $158/mo | $168/mo | $197/mo | $231/mo |
| Aetna Health Insurance Company | $159/mo | $169/mo | $198/mo | $233/mo |
| Globe Life and Accident Insurance Company | $173/mo | $208/mo | $225/mo | $242/mo |
| Woodmen Of The World Life Insurance Society | $181/mo | $184/mo | $221/mo | $277/mo |
| AARP - UnitedHealthcare Insurance Company of America | $191/mo | $212/mo | $248/mo | $287/mo |
| ManhattanLife Insurance and Annuity Company | $192/mo | $211/mo | $248/mo | $295/mo |
| First Health Life & Health Insurance Company | $196/mo | $224/mo | $249/mo | $264/mo |
| Everence Association Inc. | $207/mo | $224/mo | $235/mo | $249/mo |
| AFLAC | $213/mo | $233/mo | $274/mo | $314/mo |
| Erie Family Life Insurance Company | $216/mo | $236/mo | $276/mo | $316/mo |
| Humana Insurance Company | $217/mo | $227/mo | $265/mo | $309/mo |
| Guarantee Trust Life Insurance Company | $269/mo | $296/mo | $334/mo | $386/mo |
| Pekin Life Insurance Company | $300/mo | $355/mo | $392/mo | $416/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $133/mo | $168/mo | $195/mo | $219/mo |
| United American Insurance Company | $145/mo | $178/mo | $188/mo | $188/mo |
| AARP - UnitedHealthcare Insurance Company | $152/mo | $167/mo | $205/mo | $243/mo |
| BlueCross BlueShield of Illinois | $168/mo | $208/mo | $254/mo | $287/mo |
| Nassau Life Insurance Company | $171/mo | $180/mo | $220/mo | $257/mo |
| MedMutual Protect | $173/mo | $185/mo | $217/mo | $254/mo |
| Aetna Health Insurance Company | $183/mo | $194/mo | $228/mo | $268/mo |
| Globe Life and Accident Insurance Company | $186/mo | $223/mo | $242/mo | $261/mo |
| Woodmen Of The World Life Insurance Society | $209/mo | $212/mo | $254/mo | $319/mo |
| AARP - UnitedHealthcare Insurance Company of America | $216/mo | $240/mo | $280/mo | $324/mo |
| ManhattanLife Insurance and Annuity Company | $221/mo | $242/mo | $285/mo | $340/mo |
| First Health Life & Health Insurance Company | $214/mo | $245/mo | $272/mo | $288/mo |
| Everence Association Inc. | $228/mo | $246/mo | $258/mo | $273/mo |
| AFLAC | $243/mo | $266/mo | $314/mo | $360/mo |
| Erie Family Life Insurance Company | $248/mo | $271/mo | $318/mo | $364/mo |
| Humana Insurance Company | $250/mo | $261/mo | $304/mo | $355/mo |
| Guarantee Trust Life Insurance Company | $302/mo | $332/mo | $377/mo | $438/mo |
| Pekin Life Insurance Company | $331/mo | $390/mo | $432/mo | $457/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $164/mo | $205/mo | $225/mo | $229/mo |
| Aetna Health Insurance Company | $185/mo | $196/mo | $230/mo | $271/mo |
| AARP - UnitedHealthcare Insurance Company | $198/mo | $217/mo | $266/mo | $315/mo |
| First Health Life & Health Insurance Company | $224/mo | $261/mo | $298/mo | $328/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $188/mo | $236/mo | $258/mo | $263/mo |
| Aetna Health Insurance Company | $213/mo | $225/mo | $265/mo | $312/mo |
| AARP - UnitedHealthcare Insurance Company | $223/mo | $245/mo | $301/mo | $356/mo |
| First Health Life & Health Insurance Company | $244/mo | $284/mo | $324/mo | $357/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 | $250/mo | $275/mo | $337/mo | $399/mo |
| State Farm Mutual Automobile Insurance Company | $261/mo | $329/mo | $381/mo | $428/mo |
| United American Insurance Company | $273/mo | $345/mo | $392/mo | $432/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $282/mo | $310/mo | $380/mo | $450/mo |
| State Farm Mutual Automobile Insurance Company | $283/mo | $357/mo | $413/mo | $464/mo |
| United American Insurance Company | $314/mo | $397/mo | $450/mo | $497/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 | $226/mo | $278/mo | $327/mo | $371/mo |
| United American Insurance Company | $257/mo | $330/mo | $377/mo | $418/mo |
| MedMutual Protect | $289/mo | $308/mo | $361/mo | $424/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $231/mo | $306/mo | $369/mo | $426/mo |
| United American Insurance Company | $295/mo | $379/mo | $433/mo | $480/mo |
| MedMutual Protect | $317/mo | $338/mo | $397/mo | $466/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 |
|---|---|---|---|---|
| Nassau Life Insurance Company Lowest | $159/mo | $172/mo | $200/mo | $236/mo |
| MedMutual Protect | $165/mo | $176/mo | $207/mo | $243/mo |
| AFLAC | $210/mo | $224/mo | $268/mo | $332/mo |
| BlueCross BlueShield of Illinois | $211/mo | $241/mo | $299/mo | $347/mo |
| Woodmen Of The World Life Insurance Society | $226/mo | $226/mo | $267/mo | $322/mo |
| Humana Insurance Company | $231/mo | $240/mo | $283/mo | $339/mo |
| Globe Life and Accident Insurance Company | $234/mo | $263/mo | $301/mo | $353/mo |
| ManhattanLife Insurance and Annuity Company | $234/mo | $254/mo | $302/mo | $370/mo |
| AARP - UnitedHealthcare Insurance Company | $251/mo | $276/mo | $339/mo | $401/mo |
| State Farm Mutual Automobile Insurance Company | $264/mo | $332/mo | $385/mo | $433/mo |
| AARP - UnitedHealthcare Insurance Company of America | $267/mo | $297/mo | $346/mo | $400/mo |
| Erie Family Life Insurance Company | $267/mo | $297/mo | $343/mo | $402/mo |
| First Health Life & Health Insurance Company | $278/mo | $326/mo | $374/mo | $416/mo |
| Pekin Life Insurance Company | $278/mo | $366/mo | $474/mo | $543/mo |
| Aetna Health Insurance Company | $282/mo | $299/mo | $351/mo | $414/mo |
| Everence Association Inc. | $297/mo | $321/mo | $341/mo | $369/mo |
| Guarantee Trust Life Insurance Company | $341/mo | $376/mo | $447/mo | $559/mo |
| United American Insurance Company | $358/mo | $452/mo | $513/mo | $565/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Nassau Life Insurance Company | $183/mo | $198/mo | $230/mo | $271/mo |
| MedMutual Protect Lowest | $182/mo | $194/mo | $228/mo | $267/mo |
| AFLAC | $240/mo | $256/mo | $307/mo | $380/mo |
| BlueCross BlueShield of Illinois | $243/mo | $277/mo | $343/mo | $399/mo |
| Woodmen Of The World Life Insurance Society | $260/mo | $260/mo | $307/mo | $371/mo |
| Humana Insurance Company | $266/mo | $276/mo | $326/mo | $390/mo |
| Globe Life and Accident Insurance Company | $252/mo | $282/mo | $324/mo | $379/mo |
| ManhattanLife Insurance and Annuity Company | $269/mo | $292/mo | $347/mo | $426/mo |
| AARP - UnitedHealthcare Insurance Company | $284/mo | $312/mo | $382/mo | $452/mo |
| State Farm Mutual Automobile Insurance Company | $286/mo | $360/mo | $417/mo | $469/mo |
| AARP - UnitedHealthcare Insurance Company of America | $302/mo | $335/mo | $390/mo | $452/mo |
| Erie Family Life Insurance Company | $308/mo | $342/mo | $395/mo | $463/mo |
| First Health Life & Health Insurance Company | $301/mo | $353/mo | $405/mo | $451/mo |
| Pekin Life Insurance Company | $306/mo | $402/mo | $522/mo | $598/mo |
| Aetna Health Insurance Company | $324/mo | $344/mo | $404/mo | $476/mo |
| Everence Association Inc. | $326/mo | $354/mo | $375/mo | $406/mo |
| Guarantee Trust Life Insurance Company | $382/mo | $421/mo | $500/mo | $626/mo |
| United American Insurance Company | $412/mo | $519/mo | $590/mo | $650/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 | $54/mo | $72/mo | $90/mo | $113/mo |
| BlueCross BlueShield of Illinois | $66/mo | $86/mo | $104/mo | $120/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $62/mo | $82/mo | $103/mo | $130/mo |
| BlueCross BlueShield of Illinois | $76/mo | $98/mo | $119/mo | $137/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 |
|---|---|---|---|---|
| Nassau Life Insurance Company Lowest | $136/mo | $143/mo | $174/mo | $207/mo |
| MedMutual Protect | $145/mo | $155/mo | $181/mo | $213/mo |
| Globe Life and Accident Insurance Company | $170/mo | $190/mo | $229/mo | $263/mo |
| AFLAC | $178/mo | $190/mo | $234/mo | $301/mo |
| Woodmen Of The World Life Insurance Society | $182/mo | $185/mo | $222/mo | $279/mo |
| BlueCross BlueShield of Illinois | $184/mo | $216/mo | $271/mo | $318/mo |
| ManhattanLife Insurance and Annuity Company | $187/mo | $200/mo | $238/mo | $294/mo |
| Erie Family Life Insurance Company | $189/mo | $198/mo | $233/mo | $270/mo |
| AARP - UnitedHealthcare Insurance Company | $193/mo | $212/mo | $260/mo | $308/mo |
| Pekin Life Insurance Company | $198/mo | $261/mo | $340/mo | $392/mo |
| AARP - UnitedHealthcare Insurance Company of America | $200/mo | $222/mo | $259/mo | $300/mo |
| Everence Association Inc. | $202/mo | $218/mo | $233/mo | $248/mo |
| Humana Insurance Company | $203/mo | $210/mo | $251/mo | $304/mo |
| First Health Life & Health Insurance Company | $206/mo | $243/mo | $280/mo | $313/mo |
| State Farm Mutual Automobile Insurance Company | $227/mo | $278/mo | $327/mo | $372/mo |
| Aetna Health Insurance Company | $235/mo | $249/mo | $293/mo | $345/mo |
| United American Insurance Company | $250/mo | $320/mo | $366/mo | $405/mo |
| Guarantee Trust Life Insurance Company | $275/mo | $302/mo | $359/mo | $449/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Nassau Life Insurance Company Lowest | $156/mo | $164/mo | $200/mo | $238/mo |
| MedMutual Protect | $159/mo | $170/mo | $199/mo | $234/mo |
| Globe Life and Accident Insurance Company | $182/mo | $204/mo | $246/mo | $282/mo |
| AFLAC | $204/mo | $218/mo | $269/mo | $345/mo |
| Woodmen Of The World Life Insurance Society | $210/mo | $213/mo | $255/mo | $320/mo |
| BlueCross BlueShield of Illinois | $212/mo | $248/mo | $311/mo | $365/mo |
| ManhattanLife Insurance and Annuity Company | $215/mo | $230/mo | $274/mo | $339/mo |
| Erie Family Life Insurance Company | $218/mo | $228/mo | $268/mo | $311/mo |
| AARP - UnitedHealthcare Insurance Company | $218/mo | $239/mo | $293/mo | $347/mo |
| Pekin Life Insurance Company | $218/mo | $288/mo | $375/mo | $431/mo |
| AARP - UnitedHealthcare Insurance Company of America | $226/mo | $251/mo | $292/mo | $338/mo |
| Everence Association Inc. | $222/mo | $240/mo | $256/mo | $273/mo |
| Humana Insurance Company | $233/mo | $241/mo | $289/mo | $349/mo |
| First Health Life & Health Insurance Company | $223/mo | $262/mo | $302/mo | $338/mo |
| State Farm Mutual Automobile Insurance Company | $232/mo | $307/mo | $370/mo | $427/mo |
| Aetna Health Insurance Company | $270/mo | $286/mo | $337/mo | $397/mo |
| United American Insurance Company | $287/mo | $368/mo | $421/mo | $466/mo |
| Guarantee Trust Life Insurance Company | $308/mo | $338/mo | $402/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 |
|---|---|---|---|---|
| Humana Insurance Company Lowest | $44/mo | $48/mo | $57/mo | $66/mo |
| Globe Life and Accident Insurance Company | $47/mo | $53/mo | $61/mo | $71/mo |
| Woodmen Of The World Life Insurance Society | $49/mo | $51/mo | $61/mo | $75/mo |
| MedMutual Protect | $51/mo | $54/mo | $64/mo | $75/mo |
| Aetna Health Insurance Company | $52/mo | $55/mo | $65/mo | $77/mo |
| United American Insurance Company | $54/mo | $72/mo | $90/mo | $113/mo |
| BlueCross BlueShield of Illinois | $63/mo | $82/mo | $99/mo | $115/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Humana Insurance Company Lowest | $50/mo | $55/mo | $65/mo | $75/mo |
| Globe Life and Accident Insurance Company | $51/mo | $57/mo | $65/mo | $76/mo |
| Woodmen Of The World Life Insurance Society | $57/mo | $59/mo | $70/mo | $86/mo |
| MedMutual Protect | $56/mo | $60/mo | $70/mo | $83/mo |
| Aetna Health Insurance Company | $60/mo | $64/mo | $75/mo | $88/mo |
| United American Insurance Company | $62/mo | $82/mo | $103/mo | $130/mo |
| BlueCross BlueShield of Illinois | $72/mo | $94/mo | $113/mo | $131/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 | $89/mo | $98/mo | $120/mo | $143/mo |
| United American Insurance Company | $100/mo | $133/mo | $148/mo | $158/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $101/mo | $111/mo | $136/mo | $161/mo |
| United American Insurance Company | $115/mo | $153/mo | $170/mo | $181/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Everence Association Inc. Lowest | $121/mo | $133/mo | $142/mo | $154/mo |
| AARP - UnitedHealthcare Insurance Company | $140/mo | $154/mo | $189/mo | $224/mo |
| United American Insurance Company | $140/mo | $187/mo | $208/mo | $222/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Everence Association Inc. Lowest | $133/mo | $146/mo | $156/mo | $169/mo |
| AARP - UnitedHealthcare Insurance Company | $158/mo | $174/mo | $213/mo | $253/mo |
| United American Insurance Company | $161/mo | $215/mo | $239/mo | $255/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 | $102/mo | $108/mo | $127/mo | $149/mo |
| Nassau Life Insurance Company | $102/mo | $109/mo | $133/mo | $160/mo |
| Woodmen Of The World Life Insurance Society | $118/mo | $121/mo | $147/mo | $182/mo |
| AFLAC | $122/mo | $133/mo | $167/mo | $214/mo |
| ManhattanLife Insurance and Annuity Company | $129/mo | $141/mo | $173/mo | $207/mo |
| AARP - UnitedHealthcare Insurance Company of America | $130/mo | $144/mo | $168/mo | $195/mo |
| Erie Family Life Insurance Company | $131/mo | $137/mo | $163/mo | $190/mo |
| BlueCross BlueShield of Illinois | $132/mo | $155/mo | $196/mo | $231/mo |
| First Health Life & Health Insurance Company | $133/mo | $157/mo | $182/mo | $205/mo |
| Everence Association Inc. | $134/mo | $161/mo | $183/mo | $199/mo |
| Globe Life and Accident Insurance Company | $143/mo | $160/mo | $193/mo | $222/mo |
| Humana Insurance Company | $153/mo | $159/mo | $196/mo | $243/mo |
| Pekin Life Insurance Company | $154/mo | $202/mo | $263/mo | $303/mo |
| Aetna Health Insurance Company | $159/mo | $178/mo | $210/mo | $247/mo |
| State Farm Mutual Automobile Insurance Company | $172/mo | $210/mo | $249/mo | $288/mo |
| AARP - UnitedHealthcare Insurance Company | $179/mo | $197/mo | $242/mo | $287/mo |
| Guarantee Trust Life Insurance Company | $214/mo | $236/mo | $280/mo | $350/mo |
| United American Insurance Company | $274/mo | $355/mo | $408/mo | $459/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect Lowest | $112/mo | $119/mo | $140/mo | $164/mo |
| Nassau Life Insurance Company | $117/mo | $125/mo | $153/mo | $184/mo |
| Woodmen Of The World Life Insurance Society | $136/mo | $139/mo | $169/mo | $209/mo |
| AFLAC | $140/mo | $153/mo | $191/mo | $245/mo |
| ManhattanLife Insurance and Annuity Company | $149/mo | $162/mo | $199/mo | $238/mo |
| AARP - UnitedHealthcare Insurance Company of America | $147/mo | $163/mo | $190/mo | $221/mo |
| Erie Family Life Insurance Company | $151/mo | $158/mo | $188/mo | $219/mo |
| BlueCross BlueShield of Illinois | $152/mo | $179/mo | $225/mo | $265/mo |
| First Health Life & Health Insurance Company | $143/mo | $169/mo | $196/mo | $220/mo |
| Everence Association Inc. | $147/mo | $177/mo | $201/mo | $219/mo |
| Globe Life and Accident Insurance Company | $154/mo | $172/mo | $208/mo | $238/mo |
| Humana Insurance Company | $176/mo | $183/mo | $225/mo | $279/mo |
| Pekin Life Insurance Company | $169/mo | $223/mo | $290/mo | $333/mo |
| Aetna Health Insurance Company | $182/mo | $204/mo | $241/mo | $284/mo |
| State Farm Mutual Automobile Insurance Company | $179/mo | $236/mo | $285/mo | $332/mo |
| AARP - UnitedHealthcare Insurance Company | $203/mo | $223/mo | $273/mo | $323/mo |
| Guarantee Trust Life Insurance Company | $240/mo | $264/mo | $314/mo | $393/mo |
| United American Insurance Company | $315/mo | $408/mo | $469/mo | $528/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 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $126/mo | $158/mo | $183/mo | $206/mo |
| United American Insurance Company | $133/mo | $163/mo | $173/mo | $173/mo |
| BlueCross BlueShield of Illinois | $160/mo | $198/mo | $240/mo | $275/mo |
| Nassau Life Insurance Company | $162/mo | $170/mo | $207/mo | $243/mo |
| Aetna Health Insurance Company | $168/mo | $178/mo | $209/mo | $246/mo |
| MedMutual Protect | $168/mo | $179/mo | $210/mo | $246/mo |
| Globe Life and Accident Insurance Company | $173/mo | $208/mo | $225/mo | $242/mo |
| Woodmen Of The World Life Insurance Society | $197/mo | $200/mo | $240/mo | $301/mo |
| ManhattanLife Insurance and Annuity Company | $209/mo | $229/mo | $269/mo | $321/mo |
| First Health Life & Health Insurance Company | $215/mo | $247/mo | $274/mo | $290/mo |
| Humana Insurance Company | $219/mo | $229/mo | $268/mo | $312/mo |
| AFLAC | $231/mo | $252/mo | $297/mo | $341/mo |
| Everence Association Inc. | $231/mo | $249/mo | $261/mo | $277/mo |
| Erie Family Life Insurance Company | $234/mo | $256/mo | $300/mo | $343/mo |
| AARP - UnitedHealthcare Insurance Company | $235/mo | $241/mo | $254/mo | $265/mo |
| Guarantee Trust Life Insurance Company | $290/mo | $319/mo | $359/mo | $415/mo |
| Pekin Life Insurance Company | $330/mo | $390/mo | $431/mo | $457/mo |
| AARP - UnitedHealthcare Insurance Company of America | $387/mo | $398/mo | $415/mo | $429/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $136/mo | $172/mo | $199/mo | $223/mo |
| United American Insurance Company | $153/mo | $187/mo | $198/mo | $198/mo |
| BlueCross BlueShield of Illinois | $183/mo | $226/mo | $275/mo | $315/mo |
| Nassau Life Insurance Company | $186/mo | $196/mo | $238/mo | $279/mo |
| Aetna Health Insurance Company | $193/mo | $205/mo | $240/mo | $283/mo |
| MedMutual Protect | $185/mo | $197/mo | $231/mo | $271/mo |
| Globe Life and Accident Insurance Company | $186/mo | $223/mo | $242/mo | $261/mo |
| Woodmen Of The World Life Insurance Society | $227/mo | $230/mo | $276/mo | $346/mo |
| ManhattanLife Insurance and Annuity Company | $240/mo | $263/mo | $310/mo | $369/mo |
| First Health Life & Health Insurance Company | $235/mo | $269/mo | $299/mo | $317/mo |
| Humana Insurance Company | $252/mo | $263/mo | $308/mo | $359/mo |
| AFLAC | $264/mo | $289/mo | $341/mo | $391/mo |
| Everence Association Inc. | $254/mo | $274/mo | $288/mo | $305/mo |
| Erie Family Life Insurance Company | $269/mo | $294/mo | $345/mo | $394/mo |
| AARP - UnitedHealthcare Insurance Company | $265/mo | $272/mo | $286/mo | $299/mo |
| Guarantee Trust Life Insurance Company | $325/mo | $358/mo | $406/mo | $471/mo |
| Pekin Life Insurance Company | $363/mo | $429/mo | $475/mo | $502/mo |
| AARP - UnitedHealthcare Insurance Company of America | $437/mo | $450/mo | $469/mo | $484/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 | $173/mo | $216/mo | $237/mo | $241/mo |
| Aetna Health Insurance Company | $195/mo | $207/mo | $243/mo | $286/mo |
| First Health Life & Health Insurance Company | $247/mo | $287/mo | $327/mo | $360/mo |
| AARP - UnitedHealthcare Insurance Company | $343/mo | $353/mo | $371/mo | $387/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $198/mo | $248/mo | $272/mo | $277/mo |
| Aetna Health Insurance Company | $224/mo | $238/mo | $280/mo | $329/mo |
| First Health Life & Health Insurance Company | $268/mo | $313/mo | $356/mo | $393/mo |
| AARP - UnitedHealthcare Insurance Company | $388/mo | $399/mo | $419/mo | $437/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $266/mo | $336/mo | $389/mo | $437/mo |
| United American Insurance Company | $288/mo | $363/mo | $413/mo | $455/mo |
| AARP - UnitedHealthcare Insurance Company | $434/mo | $446/mo | $469/mo | $490/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $288/mo | $364/mo | $421/mo | $473/mo |
| United American Insurance Company | $331/mo | $418/mo | $474/mo | $523/mo |
| AARP - UnitedHealthcare Insurance Company | $490/mo | $504/mo | $530/mo | $553/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 | $231/mo | $283/mo | $333/mo | $379/mo |
| United American Insurance Company | $271/mo | $347/mo | $397/mo | $440/mo |
| MedMutual Protect | $308/mo | $328/mo | $385/mo | $451/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $236/mo | $312/mo | $377/mo | $435/mo |
| United American Insurance Company | $311/mo | $399/mo | $456/mo | $505/mo |
| MedMutual Protect | $338/mo | $361/mo | $423/mo | $497/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 |
|---|---|---|---|---|
| Nassau Life Insurance Company | $173/mo | $187/mo | $217/mo | $256/mo |
| MedMutual Protect | $176/mo | $188/mo | $220/mo | $259/mo |
| AFLAC | $228/mo | $243/mo | $291/mo | $360/mo |
| Globe Life and Accident Insurance Company | $234/mo | $263/mo | $301/mo | $353/mo |
| Humana Insurance Company | $234/mo | $243/mo | $287/mo | $343/mo |
| Woodmen Of The World Life Insurance Society | $245/mo | $245/mo | $290/mo | $350/mo |
| BlueCross BlueShield of Illinois | $247/mo | $300/mo | $365/mo | $420/mo |
| ManhattanLife Insurance and Annuity Company | $254/mo | $276/mo | $328/mo | $402/mo |
| State Farm Mutual Automobile Insurance Company | $269/mo | $339/mo | $393/mo | $441/mo |
| Erie Family Life Insurance Company | $290/mo | $322/mo | $372/mo | $436/mo |
| Aetna Health Insurance Company | $297/mo | $315/mo | $370/mo | $436/mo |
| First Health Life & Health Insurance Company | $306/mo | $359/mo | $412/mo | $458/mo |
| Pekin Life Insurance Company | $306/mo | $402/mo | $521/mo | $597/mo |
| Everence Association Inc. | $330/mo | $358/mo | $380/mo | $411/mo |
| Guarantee Trust Life Insurance Company | $368/mo | $405/mo | $481/mo | $602/mo |
| United American Insurance Company | $377/mo | $476/mo | $540/mo | $595/mo |
| AARP - UnitedHealthcare Insurance Company | $436/mo | $449/mo | $472/mo | $492/mo |
| AARP - UnitedHealthcare Insurance Company of America | $518/mo | $534/mo | $565/mo | $584/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Nassau Life Insurance Company | $198/mo | $215/mo | $250/mo | $295/mo |
| MedMutual Protect | $194/mo | $207/mo | $242/mo | $285/mo |
| AFLAC | $261/mo | $278/mo | $333/mo | $412/mo |
| Globe Life and Accident Insurance Company | $252/mo | $282/mo | $324/mo | $379/mo |
| Humana Insurance Company | $269/mo | $279/mo | $330/mo | $395/mo |
| Woodmen Of The World Life Insurance Society | $282/mo | $282/mo | $333/mo | $402/mo |
| BlueCross BlueShield of Illinois | $281/mo | $342/mo | $415/mo | $479/mo |
| ManhattanLife Insurance and Annuity Company | $292/mo | $318/mo | $377/mo | $462/mo |
| State Farm Mutual Automobile Insurance Company | $292/mo | $367/mo | $425/mo | $478/mo |
| Erie Family Life Insurance Company | $333/mo | $371/mo | $428/mo | $502/mo |
| Aetna Health Insurance Company | $341/mo | $362/mo | $426/mo | $502/mo |
| First Health Life & Health Insurance Company | $331/mo | $388/mo | $446/mo | $496/mo |
| Pekin Life Insurance Company | $336/mo | $442/mo | $574/mo | $657/mo |
| Everence Association Inc. | $364/mo | $394/mo | $418/mo | $452/mo |
| Guarantee Trust Life Insurance Company | $412/mo | $453/mo | $539/mo | $674/mo |
| United American Insurance Company | $434/mo | $547/mo | $621/mo | $684/mo |
| AARP - UnitedHealthcare Insurance Company | $492/mo | $506/mo | $532/mo | $556/mo |
| AARP - UnitedHealthcare Insurance Company of America | $585/mo | $603/mo | $637/mo | $659/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $57/mo | $76/mo | $95/mo | $119/mo |
| BlueCross BlueShield of Illinois | $73/mo | $94/mo | $114/mo | $132/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $65/mo | $87/mo | $109/mo | $137/mo |
| BlueCross BlueShield of Illinois | $83/mo | $108/mo | $130/mo | $150/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 |
|---|---|---|---|---|
| Nassau Life Insurance Company | $147/mo | $155/mo | $189/mo | $224/mo |
| MedMutual Protect | $154/mo | $165/mo | $193/mo | $227/mo |
| Globe Life and Accident Insurance Company | $170/mo | $190/mo | $229/mo | $263/mo |
| AFLAC | $194/mo | $206/mo | $254/mo | $327/mo |
| Woodmen Of The World Life Insurance Society | $198/mo | $201/mo | $241/mo | $303/mo |
| ManhattanLife Insurance and Annuity Company | $203/mo | $217/mo | $259/mo | $320/mo |
| Erie Family Life Insurance Company | $205/mo | $215/mo | $253/mo | $293/mo |
| Humana Insurance Company | $205/mo | $212/mo | $254/mo | $307/mo |
| BlueCross BlueShield of Illinois | $211/mo | $263/mo | $323/mo | $376/mo |
| Pekin Life Insurance Company | $218/mo | $287/mo | $374/mo | $430/mo |
| Everence Association Inc. | $225/mo | $243/mo | $259/mo | $277/mo |
| First Health Life & Health Insurance Company | $227/mo | $267/mo | $307/mo | $344/mo |
| State Farm Mutual Automobile Insurance Company | $231/mo | $284/mo | $334/mo | $379/mo |
| Aetna Health Insurance Company | $247/mo | $263/mo | $309/mo | $364/mo |
| United American Insurance Company | $263/mo | $337/mo | $385/mo | $427/mo |
| Guarantee Trust Life Insurance Company | $296/mo | $325/mo | $387/mo | $484/mo |
| AARP - UnitedHealthcare Insurance Company | $389/mo | $399/mo | $398/mo | $414/mo |
| AARP - UnitedHealthcare Insurance Company of America | $459/mo | $471/mo | $471/mo | $485/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Nassau Life Insurance Company | $169/mo | $178/mo | $217/mo | $258/mo |
| MedMutual Protect | $170/mo | $181/mo | $213/mo | $249/mo |
| Globe Life and Accident Insurance Company | $182/mo | $204/mo | $246/mo | $282/mo |
| AFLAC | $222/mo | $236/mo | $291/mo | $374/mo |
| Woodmen Of The World Life Insurance Society | $228/mo | $231/mo | $277/mo | $348/mo |
| ManhattanLife Insurance and Annuity Company | $233/mo | $249/mo | $298/mo | $368/mo |
| Erie Family Life Insurance Company | $236/mo | $247/mo | $290/mo | $337/mo |
| Humana Insurance Company | $236/mo | $244/mo | $292/mo | $353/mo |
| BlueCross BlueShield of Illinois | $242/mo | $301/mo | $370/mo | $430/mo |
| Pekin Life Insurance Company | $240/mo | $316/mo | $412/mo | $474/mo |
| Everence Association Inc. | $247/mo | $267/mo | $285/mo | $305/mo |
| First Health Life & Health Insurance Company | $245/mo | $288/mo | $332/mo | $371/mo |
| State Farm Mutual Automobile Insurance Company | $237/mo | $313/mo | $377/mo | $436/mo |
| Aetna Health Insurance Company | $285/mo | $302/mo | $355/mo | $419/mo |
| United American Insurance Company | $302/mo | $388/mo | $443/mo | $491/mo |
| Guarantee Trust Life Insurance Company | $331/mo | $364/mo | $433/mo | $542/mo |
| AARP - UnitedHealthcare Insurance Company | $439/mo | $450/mo | $450/mo | $468/mo |
| AARP - UnitedHealthcare Insurance Company of America | $519/mo | $532/mo | $531/mo | $547/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Humana Insurance Company | $44/mo | $48/mo | $58/mo | $66/mo |
| Globe Life and Accident Insurance Company | $47/mo | $53/mo | $61/mo | $71/mo |
| MedMutual Protect | $54/mo | $58/mo | $68/mo | $80/mo |
| Woodmen Of The World Life Insurance Society | $54/mo | $56/mo | $66/mo | $81/mo |
| Aetna Health Insurance Company | $55/mo | $58/mo | $69/mo | $81/mo |
| United American Insurance Company | $57/mo | $76/mo | $95/mo | $119/mo |
| BlueCross BlueShield of Illinois | $81/mo | $102/mo | $120/mo | $137/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Humana Insurance Company | $51/mo | $55/mo | $66/mo | $76/mo |
| Globe Life and Accident Insurance Company | $51/mo | $57/mo | $65/mo | $76/mo |
| MedMutual Protect | $60/mo | $64/mo | $75/mo | $88/mo |
| Woodmen Of The World Life Insurance Society | $62/mo | $64/mo | $76/mo | $94/mo |
| Aetna Health Insurance Company | $63/mo | $67/mo | $79/mo | $93/mo |
| United American Insurance Company | $65/mo | $87/mo | $109/mo | $137/mo |
| BlueCross BlueShield of Illinois | $91/mo | $114/mo | $136/mo | $155/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 | $105/mo | $140/mo | $156/mo | $166/mo |
| AARP - UnitedHealthcare Insurance Company | $155/mo | $160/mo | $168/mo | $176/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $121/mo | $161/mo | $179/mo | $191/mo |
| AARP - UnitedHealthcare Insurance Company | $176/mo | $181/mo | $190/mo | $198/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Everence Association Inc. | $135/mo | $148/mo | $158/mo | $171/mo |
| United American Insurance Company | $148/mo | $197/mo | $219/mo | $234/mo |
| AARP - UnitedHealthcare Insurance Company | $244/mo | $251/mo | $264/mo | $275/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Everence Association Inc. | $149/mo | $163/mo | $174/mo | $188/mo |
| United American Insurance Company | $170/mo | $227/mo | $252/mo | $268/mo |
| AARP - UnitedHealthcare Insurance Company | $275/mo | $283/mo | $297/mo | $310/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 | $108/mo | $115/mo | $135/mo | $159/mo |
| Nassau Life Insurance Company | $111/mo | $118/mo | $145/mo | $173/mo |
| Woodmen Of The World Life Insurance Society | $129/mo | $132/mo | $159/mo | $197/mo |
| AFLAC | $132/mo | $145/mo | $181/mo | $232/mo |
| ManhattanLife Insurance and Annuity Company | $141/mo | $153/mo | $188/mo | $225/mo |
| Erie Family Life Insurance Company | $143/mo | $149/mo | $177/mo | $206/mo |
| Globe Life and Accident Insurance Company | $143/mo | $160/mo | $193/mo | $222/mo |
| First Health Life & Health Insurance Company | $146/mo | $173/mo | $200/mo | $225/mo |
| Everence Association Inc. | $150/mo | $179/mo | $203/mo | $222/mo |
| Humana Insurance Company | $155/mo | $161/mo | $198/mo | $246/mo |
| Aetna Health Insurance Company | $167/mo | $187/mo | $221/mo | $260/mo |
| BlueCross BlueShield of Illinois | $167/mo | $209/mo | $256/mo | $298/mo |
| Pekin Life Insurance Company | $169/mo | $222/mo | $289/mo | $333/mo |
| State Farm Mutual Automobile Insurance Company | $175/mo | $215/mo | $255/mo | $294/mo |
| Guarantee Trust Life Insurance Company | $231/mo | $254/mo | $302/mo | $377/mo |
| United American Insurance Company | $289/mo | $374/mo | $430/mo | $483/mo |
| AARP - UnitedHealthcare Insurance Company of America | $365/mo | $373/mo | $351/mo | $360/mo |
| AARP - UnitedHealthcare Insurance Company | $368/mo | $377/mo | $375/mo | $390/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect | $119/mo | $127/mo | $149/mo | $175/mo |
| Nassau Life Insurance Company | $127/mo | $136/mo | $167/mo | $199/mo |
| Woodmen Of The World Life Insurance Society | $148/mo | $151/mo | $183/mo | $227/mo |
| AFLAC | $152/mo | $166/mo | $207/mo | $266/mo |
| ManhattanLife Insurance and Annuity Company | $162/mo | $176/mo | $216/mo | $259/mo |
| Erie Family Life Insurance Company | $164/mo | $171/mo | $204/mo | $237/mo |
| Globe Life and Accident Insurance Company | $154/mo | $172/mo | $208/mo | $238/mo |
| First Health Life & Health Insurance Company | $157/mo | $186/mo | $215/mo | $242/mo |
| Everence Association Inc. | $164/mo | $197/mo | $224/mo | $244/mo |
| Humana Insurance Company | $178/mo | $185/mo | $228/mo | $282/mo |
| Aetna Health Insurance Company | $192/mo | $216/mo | $254/mo | $299/mo |
| BlueCross BlueShield of Illinois | $191/mo | $239/mo | $293/mo | $341/mo |
| Pekin Life Insurance Company | $186/mo | $245/mo | $318/mo | $366/mo |
| State Farm Mutual Automobile Insurance Company | $183/mo | $240/mo | $291/mo | $339/mo |
| Guarantee Trust Life Insurance Company | $258/mo | $284/mo | $338/mo | $423/mo |
| United American Insurance Company | $332/mo | $430/mo | $494/mo | $556/mo |
| AARP - UnitedHealthcare Insurance Company of America | $412/mo | $421/mo | $396/mo | $407/mo |
| AARP - UnitedHealthcare Insurance Company | $416/mo | $426/mo | $423/mo | $440/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 Illinois 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 | $135/mo |
| Level 2 | $334/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $191 – $217/mo |
| Level 2 | $535 – $605/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $152/mo |
| Level 2 | $377/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $216 – $245/mo |
| Level 2 | $604 – $683/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 Illinois 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 | $198/mo |
| Level 2 | $489/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $223/mo |
| Level 2 | $552/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 Illinois 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 | $250/mo |
| Level 2 | $618/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $282/mo |
| Level 2 | $697/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 Illinois 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 |
|---|---|---|
| BlueCross BlueShield of Illinois | Secure Plans | $211 – $224/mo |
| Secure Plus Plans | $234 – $248/mo | |
| Plus Plans | $255 – $299/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $251/mo |
| Level 2 | $621/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $267 – $302/mo |
| Level 2 | $705 – $798/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| BlueCross BlueShield of Illinois | Secure Plans | $243 – $258/mo |
| Secure Plus Plans | $266 – $281/mo | |
| Plus Plans | $287 – $337/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $284/mo |
| Level 2 | $701/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $302 – $342/mo |
| Level 2 | $796 – $901/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 Illinois 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 |
|---|---|---|
| BlueCross BlueShield of Illinois | Secure Plans | $184 – $194/mo |
| Secure Plus Plans | $207 – $217/mo | |
| Plus Plans | $225 – $242/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $193/mo |
| Level 2 | $585/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $200 – $226/mo |
| Level 2 | $662 – $750/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| BlueCross BlueShield of Illinois | Secure Plans | $212 – $223/mo |
| Secure Plus Plans | $235 – $246/mo | |
| Plus Plans | $256 – $277/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $218/mo |
| Level 2 | $661/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $226 – $256/mo |
| Level 2 | $747 – $846/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 Illinois 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 | $89/mo |
| Level 2 | $222/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $101/mo |
| Level 2 | $250/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 Illinois 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 | $140/mo |
| Level 2 | $348/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $158/mo |
| Level 2 | $392/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 Illinois 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 of America | Standard | $130 – $147/mo |
| Level 2 | $555 – $628/mo | |
| BlueCross BlueShield of Illinois | Secure Plans | $132 – $140/mo |
| Secure Plus Plans | $155 – $164/mo | |
| Plus Plans | $183 – $214/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $179/mo |
| Level 2 | $557/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company of America | Standard | $147 – $166/mo |
| Level 2 | $626 – $709/mo | |
| BlueCross BlueShield of Illinois | Secure Plans | $152 – $161/mo |
| Secure Plus Plans | $175 – $185/mo | |
| Plus Plans | $208 – $244/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $203/mo |
| Level 2 | $629/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.
Illinois follows the standard 6-month federal Medigap Open Enrollment Period, which begins the first month you are 65 or older and enrolled in Medicare Part B. During this 6-month window, you have a guaranteed right to buy any Medigap policy sold in the state. Insurance companies cannot use medical underwriting, deny you coverage, or charge you higher premiums due to pre-existing health conditions. This is the single best opportunity to lock in a competitive Plan G or Plan N rate in Illinois — once it closes, switching plans typically requires passing medical underwriting.
Yes. Illinois implemented a Medigap birthday rule that went into effect on January 1, 2022. If you are an Illinois resident between the ages of 65 and 75 and already have an active Medigap policy, you have an annual 45-day window starting on your birthday to switch to any plan with equal or lesser benefits. However, unlike some states where you can switch carriers entirely, the Illinois birthday rule applies specifically to plans offered by your current insurance carrier (or its affiliates). This allows you to adjust your coverage or lower your premium without undergoing medical underwriting.
Medicare typically starts at age 65 across all states, including Illinois. However, you can qualify for Medicare under age 65 if you have a qualifying disability or specific conditions like End-Stage Renal Disease (ESRD) and ALS. For Illinois residents who qualify under 65, state law provides excellent consumer protection: Medigap insurers are required to offer plans to under-65 beneficiaries, and their premiums are capped at the highest rate the carrier charges an over-65 enrollee. This prevents the extreme premium price-gouging common in many other states.
Yes. To buy a Medicare Supplement (Medigap) plan in Illinois, you must be enrolled in both Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance). Medigap plans are designed specifically to supplement Original Medicare by helping cover your out-of-pocket costs (such as copayments, coinsurance, and deductibles). Because Medigap only pays after Original Medicare pays its share, you cannot purchase or use a Medigap policy without having both Part A and Part B completely active.
In Illinois, you have guaranteed issue rights during your initial 6-month Open Enrollment Period, through the annual 45-day birthday rule (for ages 65-75 with your current carrier), and during specific qualifying life events. These events include your Medicare Advantage plan leaving the Medicare program or stopping service in your area, relocating out of your plan's service area, or losing employer-sponsored group health coverage that supplements Medicare. In these situations, you can enroll in a Medigap plan without health screenings or premium penalties, typically within 60 days of your coverage ending.
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PLEASE NOTE: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.
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