Rate data current as of
Compare 2026 Medicare Supplement (Medigap) rates in Iowa. 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 | $221/mo |
| 70 | $232/mo |
| 75 | $270/mo |
| 80 | $309/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 Iowa. 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 |
|---|---|---|---|---|
| HealthSpring National Health Insurance Company Lowest | $106/mo | $109/mo | $128/mo | $159/mo |
| United American Insurance Company | $110/mo | $135/mo | $142/mo | $142/mo |
| Avera Health Plans, Inc. | $111/mo | $125/mo | $165/mo | $191/mo |
| AARP - UnitedHealthcare Insurance Company | $115/mo | $127/mo | $149/mo | $172/mo |
| First Health Life & Health Insurance Company | $121/mo | $138/mo | $154/mo | $163/mo |
| Mutual of Omaha Insurance Company | $127/mo | $134/mo | $155/mo | $185/mo |
| LifeShield National Insurance Company | $140/mo | $145/mo | $178/mo | $219/mo |
| Insurance Company of North America | $148/mo | $150/mo | $178/mo | $216/mo |
| Woodmen Of The World Life Insurance Society | $152/mo | $155/mo | $186/mo | $233/mo |
| USAA Life Insurance Company | $153/mo | $179/mo | $214/mo | $248/mo |
| Aetna Health Insurance Company | $155/mo | $165/mo | $194/mo | $228/mo |
| Medico Life and Health Insurance Company | $159/mo | $158/mo | $165/mo | $194/mo |
| American Benefit Life Insurance Company | $165/mo | $169/mo | $206/mo | $251/mo |
| Nassau Life Insurance Company | $172/mo | $180/mo | $220/mo | $258/mo |
| AFLAC | $176/mo | $193/mo | $227/mo | $261/mo |
| Physicians Select Insurance Company | $178/mo | $190/mo | $217/mo | $248/mo |
| Washington National Insurance Company | $178/mo | $230/mo | $295/mo | $369/mo |
| Bankers Fidelity Assurance Company | $184/mo | $195/mo | $228/mo | $270/mo |
| Medica Insurance Company | $192/mo | $204/mo | $240/mo | $275/mo |
| Everence Association Inc. | $197/mo | $213/mo | $224/mo | $237/mo |
| Heartland National Life Insurance Company | $236/mo | $236/mo | $284/mo | $327/mo |
| Pekin Life Insurance Company | $282/mo | $332/mo | $367/mo | $389/mo |
| Guarantee Trust Life Insurance Company | $297/mo | $315/mo | $355/mo | $411/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring National Health Insurance Company Lowest | $122/mo | $125/mo | $147/mo | $183/mo |
| United American Insurance Company | $127/mo | $156/mo | $163/mo | $163/mo |
| Avera Health Plans, Inc. | $127/mo | $143/mo | $188/mo | $217/mo |
| AARP - UnitedHealthcare Insurance Company | $130/mo | $144/mo | $168/mo | $195/mo |
| First Health Life & Health Insurance Company | $132/mo | $151/mo | $168/mo | $178/mo |
| Mutual of Omaha Insurance Company | $146/mo | $154/mo | $179/mo | $213/mo |
| LifeShield National Insurance Company | $161/mo | $167/mo | $205/mo | $252/mo |
| Insurance Company of North America | $167/mo | $169/mo | $201/mo | $244/mo |
| Woodmen Of The World Life Insurance Society | $175/mo | $178/mo | $213/mo | $268/mo |
| USAA Life Insurance Company | $153/mo | $179/mo | $214/mo | $248/mo |
| Aetna Health Insurance Company | $179/mo | $190/mo | $223/mo | $263/mo |
| Medico Life and Health Insurance Company | $179/mo | $178/mo | $186/mo | $218/mo |
| American Benefit Life Insurance Company | $189/mo | $195/mo | $237/mo | $289/mo |
| Nassau Life Insurance Company | $197/mo | $207/mo | $253/mo | $296/mo |
| AFLAC | $196/mo | $215/mo | $253/mo | $290/mo |
| Physicians Select Insurance Company | $197/mo | $210/mo | $240/mo | $275/mo |
| Washington National Insurance Company | $198/mo | $256/mo | $328/mo | $410/mo |
| Bankers Fidelity Assurance Company | $212/mo | $225/mo | $262/mo | $311/mo |
| Medica Insurance Company | $221/mo | $234/mo | $276/mo | $316/mo |
| Everence Association Inc. | $217/mo | $235/mo | $246/mo | $261/mo |
| Heartland National Life Insurance Company | $272/mo | $272/mo | $327/mo | $376/mo |
| Pekin Life Insurance Company | $309/mo | $365/mo | $405/mo | $428/mo |
| Guarantee Trust Life Insurance Company | $333/mo | $354/mo | $401/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 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $138/mo | $161/mo | $183/mo | $202/mo |
| AARP - UnitedHealthcare Insurance Company | $167/mo | $186/mo | $216/mo | $250/mo |
| Aetna Health Insurance Company | $212/mo | $224/mo | $264/mo | $311/mo |
| United American Insurance Company | $247/mo | $310/mo | $336/mo | $338/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $150/mo | $175/mo | $200/mo | $220/mo |
| AARP - UnitedHealthcare Insurance Company | $189/mo | $210/mo | $245/mo | $283/mo |
| Aetna Health Insurance Company | $243/mo | $258/mo | $304/mo | $358/mo |
| United American Insurance Company | $284/mo | $356/mo | $386/mo | $388/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 | $208/mo | $231/mo | $269/mo | $311/mo |
| United American Insurance Company | $259/mo | $328/mo | $367/mo | $386/mo |
| Heartland National Life Insurance Company | $279/mo | $279/mo | $334/mo | $394/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $235/mo | $261/mo | $304/mo | $352/mo |
| United American Insurance Company | $298/mo | $377/mo | $422/mo | $444/mo |
| Heartland National Life Insurance Company | $321/mo | $321/mo | $384/mo | $454/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 | $243/mo | $313/mo | $352/mo | $371/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $279/mo | $359/mo | $404/mo | $427/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 |
|---|---|---|---|---|
| HealthSpring National Health Insurance Company Lowest | $147/mo | $150/mo | $170/mo | $204/mo |
| LifeShield National Insurance Company | $172/mo | $180/mo | $216/mo | $262/mo |
| Nassau Life Insurance Company | $180/mo | $194/mo | $226/mo | $267/mo |
| AFLAC | $183/mo | $196/mo | $235/mo | $291/mo |
| Medico Life and Health Insurance Company | $185/mo | $185/mo | $198/mo | $241/mo |
| Woodmen Of The World Life Insurance Society | $190/mo | $190/mo | $224/mo | $271/mo |
| Insurance Company of North America | $192/mo | $198/mo | $235/mo | $285/mo |
| Washington National Insurance Company | $198/mo | $240/mo | $291/mo | $347/mo |
| American Benefit Life Insurance Company | $202/mo | $210/mo | $252/mo | $304/mo |
| First Health Life & Health Insurance Company | $203/mo | $238/mo | $273/mo | $304/mo |
| AARP - UnitedHealthcare Insurance Company | $209/mo | $232/mo | $270/mo | $313/mo |
| Bankers Fidelity Assurance Company | $219/mo | $235/mo | $275/mo | $325/mo |
| USAA Life Insurance Company | $219/mo | $257/mo | $306/mo | $355/mo |
| Aetna Health Insurance Company | $220/mo | $233/mo | $274/mo | $322/mo |
| Mutual of Omaha Insurance Company | $220/mo | $237/mo | $278/mo | $330/mo |
| Medica Insurance Company | $226/mo | $238/mo | $283/mo | $337/mo |
| Pekin Life Insurance Company | $228/mo | $300/mo | $389/mo | $445/mo |
| Physicians Select Insurance Company | $244/mo | $260/mo | $297/mo | $340/mo |
| Everence Association Inc. | $283/mo | $307/mo | $325/mo | $352/mo |
| United American Insurance Company | $318/mo | $402/mo | $449/mo | $472/mo |
| Guarantee Trust Life Insurance Company | $380/mo | $404/mo | $480/mo | $601/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring National Health Insurance Company Lowest | $169/mo | $172/mo | $196/mo | $235/mo |
| LifeShield National Insurance Company | $198/mo | $207/mo | $248/mo | $301/mo |
| Nassau Life Insurance Company | $207/mo | $223/mo | $260/mo | $307/mo |
| AFLAC | $203/mo | $218/mo | $261/mo | $323/mo |
| Medico Life and Health Insurance Company | $208/mo | $208/mo | $222/mo | $271/mo |
| Woodmen Of The World Life Insurance Society | $218/mo | $218/mo | $258/mo | $311/mo |
| Insurance Company of North America | $217/mo | $223/mo | $265/mo | $322/mo |
| Washington National Insurance Company | $220/mo | $267/mo | $324/mo | $386/mo |
| American Benefit Life Insurance Company | $232/mo | $242/mo | $290/mo | $350/mo |
| First Health Life & Health Insurance Company | $221/mo | $259/mo | $297/mo | $330/mo |
| AARP - UnitedHealthcare Insurance Company | $236/mo | $262/mo | $306/mo | $353/mo |
| Bankers Fidelity Assurance Company | $252/mo | $271/mo | $316/mo | $374/mo |
| USAA Life Insurance Company | $219/mo | $257/mo | $306/mo | $355/mo |
| Aetna Health Insurance Company | $252/mo | $268/mo | $315/mo | $371/mo |
| Mutual of Omaha Insurance Company | $253/mo | $272/mo | $320/mo | $379/mo |
| Medica Insurance Company | $260/mo | $274/mo | $325/mo | $387/mo |
| Pekin Life Insurance Company | $251/mo | $330/mo | $428/mo | $490/mo |
| Physicians Select Insurance Company | $269/mo | $287/mo | $329/mo | $375/mo |
| Everence Association Inc. | $311/mo | $338/mo | $358/mo | $387/mo |
| United American Insurance Company | $365/mo | $462/mo | $517/mo | $543/mo |
| Guarantee Trust Life Insurance Company | $426/mo | $453/mo | $538/mo | $673/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 |
|---|---|---|---|---|
| Medico Life and Health Insurance Company Lowest | $45/mo | $45/mo | $83/mo | $80/mo |
| United American Insurance Company | $46/mo | $61/mo | $75/mo | $79/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Medico Life and Health Insurance Company | $76/mo | $76/mo | $82/mo | $91/mo |
| United American Insurance Company Lowest | $53/mo | $70/mo | $86/mo | $91/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 |
|---|---|---|---|---|
| HealthSpring National Health Insurance Company Lowest | $107/mo | $110/mo | $129/mo | $161/mo |
| LifeShield National Insurance Company | $141/mo | $146/mo | $179/mo | $220/mo |
| Avera Health Plans, Inc. | $148/mo | $166/mo | $216/mo | $248/mo |
| First Health Life & Health Insurance Company | $148/mo | $174/mo | $201/mo | $225/mo |
| Medico Life and Health Insurance Company | $148/mo | $148/mo | $159/mo | $194/mo |
| Insurance Company of North America | $149/mo | $151/mo | $179/mo | $218/mo |
| Physicians Select Insurance Company | $151/mo | $161/mo | $184/mo | $210/mo |
| Nassau Life Insurance Company | $153/mo | $161/mo | $197/mo | $234/mo |
| Woodmen Of The World Life Insurance Society | $153/mo | $155/mo | $186/mo | $234/mo |
| AFLAC | $161/mo | $170/mo | $209/mo | $261/mo |
| American Benefit Life Insurance Company | $165/mo | $170/mo | $207/mo | $252/mo |
| Pekin Life Insurance Company | $167/mo | $220/mo | $286/mo | $329/mo |
| Washington National Insurance Company | $169/mo | $218/mo | $279/mo | $349/mo |
| AARP - UnitedHealthcare Insurance Company | $175/mo | $194/mo | $226/mo | $261/mo |
| Mutual of Omaha Insurance Company | $187/mo | $198/mo | $230/mo | $274/mo |
| Medica Insurance Company | $188/mo | $199/mo | $240/mo | $286/mo |
| Bankers Fidelity Assurance Company | $189/mo | $197/mo | $229/mo | $271/mo |
| USAA Life Insurance Company | $189/mo | $221/mo | $262/mo | $311/mo |
| Everence Association Inc. | $192/mo | $208/mo | $222/mo | $237/mo |
| Aetna Health Insurance Company | $200/mo | $213/mo | $250/mo | $294/mo |
| Heartland National Life Insurance Company | $231/mo | $231/mo | $281/mo | $335/mo |
| United American Insurance Company | $258/mo | $331/mo | $373/mo | $393/mo |
| Guarantee Trust Life Insurance Company | $280/mo | $298/mo | $354/mo | $443/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring National Health Insurance Company Lowest | $123/mo | $127/mo | $149/mo | $186/mo |
| LifeShield National Insurance Company | $162/mo | $168/mo | $206/mo | $253/mo |
| Avera Health Plans, Inc. | $169/mo | $189/mo | $246/mo | $283/mo |
| First Health Life & Health Insurance Company | $160/mo | $189/mo | $217/mo | $243/mo |
| Medico Life and Health Insurance Company | $167/mo | $167/mo | $179/mo | $218/mo |
| Insurance Company of North America | $169/mo | $171/mo | $203/mo | $247/mo |
| Physicians Select Insurance Company | $167/mo | $178/mo | $203/mo | $232/mo |
| Nassau Life Insurance Company | $176/mo | $185/mo | $226/mo | $268/mo |
| Woodmen Of The World Life Insurance Society | $176/mo | $179/mo | $214/mo | $269/mo |
| AFLAC | $179/mo | $188/mo | $232/mo | $290/mo |
| American Benefit Life Insurance Company | $190/mo | $196/mo | $238/mo | $290/mo |
| Pekin Life Insurance Company | $183/mo | $242/mo | $315/mo | $362/mo |
| Washington National Insurance Company | $187/mo | $242/mo | $310/mo | $387/mo |
| AARP - UnitedHealthcare Insurance Company | $197/mo | $219/mo | $255/mo | $295/mo |
| Mutual of Omaha Insurance Company | $215/mo | $228/mo | $264/mo | $315/mo |
| Medica Insurance Company | $216/mo | $229/mo | $277/mo | $329/mo |
| Bankers Fidelity Assurance Company | $218/mo | $226/mo | $263/mo | $312/mo |
| USAA Life Insurance Company | $189/mo | $221/mo | $262/mo | $311/mo |
| Everence Association Inc. | $212/mo | $229/mo | $244/mo | $261/mo |
| Aetna Health Insurance Company | $230/mo | $244/mo | $287/mo | $338/mo |
| Heartland National Life Insurance Company | $265/mo | $265/mo | $323/mo | $385/mo |
| United American Insurance Company | $296/mo | $381/mo | $429/mo | $452/mo |
| Guarantee Trust Life Insurance Company | $314/mo | $334/mo | $397/mo | $496/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Bankers Fidelity Assurance Company Lowest | $32/mo | $35/mo | $41/mo | $48/mo |
| HealthSpring National Health Insurance Company | $38/mo | $39/mo | $46/mo | $57/mo |
| Washington National Insurance Company | $41/mo | $49/mo | $60/mo | $71/mo |
| Aetna Health Insurance Company | $43/mo | $45/mo | $53/mo | $63/mo |
| Mutual of Omaha Insurance Company | $45/mo | $50/mo | $59/mo | $68/mo |
| Woodmen Of The World Life Insurance Society | $45/mo | $46/mo | $56/mo | $68/mo |
| United American Insurance Company | $46/mo | $61/mo | $75/mo | $79/mo |
| Insurance Company of North America | $49/mo | $50/mo | $59/mo | $72/mo |
| Medico Life and Health Insurance Company | $50/mo | $50/mo | $54/mo | $65/mo |
| Avera Health Plans, Inc. | $65/mo | $73/mo | $95/mo | $109/mo |
| Physicians Select Insurance Company | $73/mo | $80/mo | $99/mo | $124/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Bankers Fidelity Assurance Company Lowest | $37/mo | $40/mo | $47/mo | $55/mo |
| HealthSpring National Health Insurance Company | $44/mo | $45/mo | $53/mo | $66/mo |
| Washington National Insurance Company | $45/mo | $55/mo | $66/mo | $79/mo |
| Aetna Health Insurance Company | $49/mo | $52/mo | $61/mo | $72/mo |
| Mutual of Omaha Insurance Company | $51/mo | $57/mo | $67/mo | $78/mo |
| Woodmen Of The World Life Insurance Society | $52/mo | $53/mo | $64/mo | $78/mo |
| United American Insurance Company | $53/mo | $70/mo | $86/mo | $91/mo |
| Insurance Company of North America | $55/mo | $56/mo | $66/mo | $81/mo |
| Medico Life and Health Insurance Company | $56/mo | $56/mo | $60/mo | $89/mo |
| Avera Health Plans, Inc. | $74/mo | $83/mo | $108/mo | $124/mo |
| Physicians Select Insurance Company | $81/mo | $88/mo | $110/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 |
|---|---|---|---|---|
| Bankers Fidelity Assurance Company Lowest | $61/mo | $68/mo | $80/mo | $94/mo |
| AARP - UnitedHealthcare Insurance Company | $62/mo | $69/mo | $80/mo | $98/mo |
| United American Insurance Company | $90/mo | $120/mo | $133/mo | $141/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Bankers Fidelity Assurance Company Lowest | $70/mo | $78/mo | $92/mo | $108/mo |
| AARP - UnitedHealthcare Insurance Company | $70/mo | $78/mo | $96/mo | $105/mo |
| United American Insurance Company | $103/mo | $137/mo | $153/mo | $163/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 | $116/mo | $127/mo | $135/mo | $147/mo |
| United American Insurance Company | $126/mo | $168/mo | $187/mo | $199/mo |
| AARP - UnitedHealthcare Insurance Company | $131/mo | $146/mo | $170/mo | $197/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Everence Association Inc. Lowest | $128/mo | $140/mo | $149/mo | $162/mo |
| United American Insurance Company | $145/mo | $193/mo | $215/mo | $228/mo |
| AARP - UnitedHealthcare Insurance Company | $149/mo | $165/mo | $192/mo | $222/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 |
|---|---|---|---|---|
| HealthSpring National Health Insurance Company Lowest | $81/mo | $85/mo | $101/mo | $121/mo |
| First Health Life & Health Insurance Company | $82/mo | $97/mo | $113/mo | $127/mo |
| Insurance Company of North America | $104/mo | $106/mo | $125/mo | $153/mo |
| LifeShield National Insurance Company | $105/mo | $115/mo | $145/mo | $177/mo |
| Medico Life and Health Insurance Company | $105/mo | $105/mo | $112/mo | $140/mo |
| AFLAC | $108/mo | $118/mo | $147/mo | $187/mo |
| Washington National Insurance Company | $109/mo | $140/mo | $179/mo | $224/mo |
| Woodmen Of The World Life Insurance Society | $109/mo | $111/mo | $135/mo | $167/mo |
| Nassau Life Insurance Company | $114/mo | $122/mo | $150/mo | $179/mo |
| Pekin Life Insurance Company | $115/mo | $151/mo | $197/mo | $227/mo |
| American Benefit Life Insurance Company | $118/mo | $128/mo | $161/mo | $201/mo |
| Bankers Fidelity Assurance Company | $122/mo | $137/mo | $162/mo | $190/mo |
| Everence Association Inc. | $128/mo | $154/mo | $174/mo | $190/mo |
| Mutual of Omaha Insurance Company | $130/mo | $144/mo | $171/mo | $204/mo |
| Medica Insurance Company | $131/mo | $137/mo | $170/mo | $207/mo |
| Heartland National Life Insurance Company | $138/mo | $144/mo | $175/mo | $210/mo |
| Aetna Health Insurance Company | $143/mo | $160/mo | $188/mo | $221/mo |
| AARP - UnitedHealthcare Insurance Company | $158/mo | $175/mo | $204/mo | $236/mo |
| USAA Life Insurance Company | $172/mo | $202/mo | $241/mo | $280/mo |
| Guarantee Trust Life Insurance Company | $213/mo | $226/mo | $269/mo | $337/mo |
| United American Insurance Company | $248/mo | $321/mo | $364/mo | $390/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring National Health Insurance Company | $94/mo | $98/mo | $117/mo | $139/mo |
| First Health Life & Health Insurance Company Lowest | $89/mo | $105/mo | $121/mo | $137/mo |
| Insurance Company of North America | $117/mo | $120/mo | $142/mo | $173/mo |
| LifeShield National Insurance Company | $121/mo | $133/mo | $166/mo | $203/mo |
| Medico Life and Health Insurance Company | $118/mo | $118/mo | $126/mo | $157/mo |
| AFLAC | $120/mo | $131/mo | $163/mo | $208/mo |
| Washington National Insurance Company | $121/mo | $156/mo | $199/mo | $249/mo |
| Woodmen Of The World Life Insurance Society | $125/mo | $128/mo | $155/mo | $192/mo |
| Nassau Life Insurance Company | $131/mo | $140/mo | $172/mo | $206/mo |
| Pekin Life Insurance Company | $126/mo | $166/mo | $217/mo | $250/mo |
| American Benefit Life Insurance Company | $135/mo | $148/mo | $185/mo | $231/mo |
| Bankers Fidelity Assurance Company | $140/mo | $158/mo | $186/mo | $218/mo |
| Everence Association Inc. | $141/mo | $169/mo | $192/mo | $209/mo |
| Mutual of Omaha Insurance Company | $149/mo | $165/mo | $196/mo | $235/mo |
| Medica Insurance Company | $150/mo | $158/mo | $195/mo | $238/mo |
| Heartland National Life Insurance Company | $158/mo | $165/mo | $202/mo | $242/mo |
| Aetna Health Insurance Company | $164/mo | $183/mo | $217/mo | $254/mo |
| AARP - UnitedHealthcare Insurance Company | $179/mo | $198/mo | $231/mo | $267/mo |
| USAA Life Insurance Company | $172/mo | $202/mo | $241/mo | $280/mo |
| Guarantee Trust Life Insurance Company | $239/mo | $254/mo | $302/mo | $377/mo |
| United American Insurance Company | $285/mo | $369/mo | $419/mo | $449/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 |
|---|---|---|---|---|
| United American Insurance Company | $110/mo | $135/mo | $142/mo | $142/mo |
| Avera Health Plans, Inc. | $111/mo | $125/mo | $165/mo | $191/mo |
| First Health Life & Health Insurance Company | $121/mo | $138/mo | $154/mo | $163/mo |
| Mutual of Omaha Insurance Company | $133/mo | $141/mo | $163/mo | $195/mo |
| LifeShield National Insurance Company | $148/mo | $153/mo | $188/mo | $231/mo |
| Insurance Company of North America | $152/mo | $154/mo | $182/mo | $222/mo |
| USAA Life Insurance Company | $153/mo | $179/mo | $214/mo | $248/mo |
| Aetna Health Insurance Company | $155/mo | $165/mo | $194/mo | $228/mo |
| Woodmen Of The World Life Insurance Society | $164/mo | $166/mo | $200/mo | $251/mo |
| American Benefit Life Insurance Company | $174/mo | $179/mo | $218/mo | $265/mo |
| HealthSpring National Health Insurance Company | $176/mo | $180/mo | $212/mo | $264/mo |
| Physicians Select Insurance Company | $178/mo | $190/mo | $217/mo | $248/mo |
| Nassau Life Insurance Company | $181/mo | $191/mo | $232/mo | $272/mo |
| AFLAC | $186/mo | $204/mo | $240/mo | $276/mo |
| Everence Association Inc. | $197/mo | $213/mo | $224/mo | $237/mo |
| Washington National Insurance Company | $199/mo | $257/mo | $329/mo | $412/mo |
| Medica Insurance Company | $203/mo | $215/mo | $253/mo | $291/mo |
| Medico Life and Health Insurance Company | $211/mo | $210/mo | $219/mo | $258/mo |
| Bankers Fidelity Assurance Company | $218/mo | $231/mo | $270/mo | $319/mo |
| AARP - UnitedHealthcare Insurance Company | $232/mo | $239/mo | $250/mo | $258/mo |
| Heartland National Life Insurance Company | $257/mo | $257/mo | $310/mo | $356/mo |
| Guarantee Trust Life Insurance Company | $300/mo | $318/mo | $359/mo | $415/mo |
| Pekin Life Insurance Company | $314/mo | $369/mo | $408/mo | $433/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $127/mo | $156/mo | $163/mo | $163/mo |
| Avera Health Plans, Inc. | $127/mo | $143/mo | $188/mo | $217/mo |
| First Health Life & Health Insurance Company | $132/mo | $151/mo | $168/mo | $178/mo |
| Mutual of Omaha Insurance Company | $153/mo | $162/mo | $188/mo | $224/mo |
| LifeShield National Insurance Company | $170/mo | $176/mo | $217/mo | $266/mo |
| Insurance Company of North America | $171/mo | $173/mo | $206/mo | $251/mo |
| USAA Life Insurance Company | $153/mo | $179/mo | $214/mo | $248/mo |
| Aetna Health Insurance Company | $179/mo | $190/mo | $223/mo | $263/mo |
| Woodmen Of The World Life Insurance Society | $188/mo | $191/mo | $230/mo | $288/mo |
| American Benefit Life Insurance Company | $200/mo | $206/mo | $250/mo | $305/mo |
| HealthSpring National Health Insurance Company | $202/mo | $207/mo | $244/mo | $304/mo |
| Physicians Select Insurance Company | $197/mo | $210/mo | $240/mo | $275/mo |
| Nassau Life Insurance Company | $208/mo | $219/mo | $267/mo | $313/mo |
| AFLAC | $207/mo | $227/mo | $267/mo | $306/mo |
| Everence Association Inc. | $217/mo | $235/mo | $246/mo | $261/mo |
| Washington National Insurance Company | $221/mo | $286/mo | $366/mo | $458/mo |
| Medica Insurance Company | $234/mo | $247/mo | $291/mo | $334/mo |
| Medico Life and Health Insurance Company | $238/mo | $237/mo | $248/mo | $292/mo |
| Bankers Fidelity Assurance Company | $251/mo | $266/mo | $310/mo | $367/mo |
| AARP - UnitedHealthcare Insurance Company | $262/mo | $270/mo | $283/mo | $292/mo |
| Heartland National Life Insurance Company | $296/mo | $296/mo | $356/mo | $409/mo |
| Guarantee Trust Life Insurance Company | $336/mo | $357/mo | $405/mo | $470/mo |
| Pekin Life Insurance Company | $344/mo | $406/mo | $450/mo | $476/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 | $138/mo | $161/mo | $183/mo | $202/mo |
| Aetna Health Insurance Company | $212/mo | $224/mo | $264/mo | $311/mo |
| United American Insurance Company | $247/mo | $310/mo | $336/mo | $338/mo |
| AARP - UnitedHealthcare Insurance Company | $337/mo | $347/mo | $363/mo | $375/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $150/mo | $175/mo | $200/mo | $220/mo |
| Aetna Health Insurance Company | $243/mo | $258/mo | $304/mo | $358/mo |
| United American Insurance Company | $284/mo | $356/mo | $386/mo | $388/mo |
| AARP - UnitedHealthcare Insurance Company | $381/mo | $392/mo | $410/mo | $424/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 | $259/mo | $328/mo | $367/mo | $386/mo |
| Heartland National Life Insurance Company | $304/mo | $304/mo | $363/mo | $429/mo |
| AARP - UnitedHealthcare Insurance Company | $420/mo | $432/mo | $452/mo | $467/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $298/mo | $377/mo | $422/mo | $444/mo |
| Heartland National Life Insurance Company | $349/mo | $349/mo | $418/mo | $494/mo |
| AARP - UnitedHealthcare Insurance Company | $474/mo | $488/mo | $510/mo | $527/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 | $243/mo | $313/mo | $352/mo | $371/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $279/mo | $359/mo | $404/mo | $427/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 |
|---|---|---|---|---|
| LifeShield National Insurance Company | $182/mo | $190/mo | $228/mo | $277/mo |
| Nassau Life Insurance Company | $190/mo | $205/mo | $239/mo | $282/mo |
| AFLAC | $193/mo | $207/mo | $248/mo | $307/mo |
| Insurance Company of North America | $197/mo | $203/mo | $241/mo | $293/mo |
| First Health Life & Health Insurance Company | $203/mo | $238/mo | $273/mo | $304/mo |
| Woodmen Of The World Life Insurance Society | $204/mo | $204/mo | $241/mo | $291/mo |
| American Benefit Life Insurance Company | $213/mo | $222/mo | $266/mo | $322/mo |
| USAA Life Insurance Company | $219/mo | $257/mo | $306/mo | $355/mo |
| Aetna Health Insurance Company | $220/mo | $233/mo | $274/mo | $322/mo |
| Washington National Insurance Company | $222/mo | $268/mo | $325/mo | $388/mo |
| Mutual of Omaha Insurance Company | $231/mo | $249/mo | $292/mo | $347/mo |
| Medica Insurance Company | $239/mo | $252/mo | $299/mo | $356/mo |
| HealthSpring National Health Insurance Company | $244/mo | $248/mo | $283/mo | $339/mo |
| Physicians Select Insurance Company | $248/mo | $265/mo | $302/mo | $344/mo |
| Pekin Life Insurance Company | $253/mo | $333/mo | $433/mo | $495/mo |
| Bankers Fidelity Assurance Company | $259/mo | $278/mo | $325/mo | $385/mo |
| Medico Life and Health Insurance Company | $278/mo | $279/mo | $298/mo | $356/mo |
| Everence Association Inc. | $283/mo | $307/mo | $325/mo | $352/mo |
| United American Insurance Company | $318/mo | $402/mo | $449/mo | $472/mo |
| Guarantee Trust Life Insurance Company | $384/mo | $408/mo | $485/mo | $606/mo |
| AARP - UnitedHealthcare Insurance Company | $441/mo | $453/mo | $467/mo | $482/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| LifeShield National Insurance Company | $209/mo | $218/mo | $262/mo | $318/mo |
| Nassau Life Insurance Company | $218/mo | $236/mo | $275/mo | $324/mo |
| AFLAC | $215/mo | $230/mo | $275/mo | $341/mo |
| Insurance Company of North America | $223/mo | $229/mo | $272/mo | $331/mo |
| First Health Life & Health Insurance Company | $221/mo | $259/mo | $297/mo | $330/mo |
| Woodmen Of The World Life Insurance Society | $235/mo | $235/mo | $277/mo | $335/mo |
| American Benefit Life Insurance Company | $245/mo | $255/mo | $306/mo | $370/mo |
| USAA Life Insurance Company | $219/mo | $257/mo | $306/mo | $355/mo |
| Aetna Health Insurance Company | $252/mo | $268/mo | $315/mo | $371/mo |
| Washington National Insurance Company | $246/mo | $298/mo | $361/mo | $431/mo |
| Mutual of Omaha Insurance Company | $266/mo | $286/mo | $336/mo | $399/mo |
| Medica Insurance Company | $275/mo | $289/mo | $343/mo | $409/mo |
| HealthSpring National Health Insurance Company | $280/mo | $286/mo | $325/mo | $390/mo |
| Physicians Select Insurance Company | $274/mo | $292/mo | $333/mo | $380/mo |
| Pekin Life Insurance Company | $279/mo | $367/mo | $476/mo | $545/mo |
| Bankers Fidelity Assurance Company | $298/mo | $320/mo | $374/mo | $442/mo |
| Medico Life and Health Insurance Company | $317/mo | $319/mo | $340/mo | $407/mo |
| Everence Association Inc. | $311/mo | $338/mo | $358/mo | $387/mo |
| United American Insurance Company | $365/mo | $462/mo | $517/mo | $543/mo |
| Guarantee Trust Life Insurance Company | $430/mo | $457/mo | $543/mo | $679/mo |
| AARP - UnitedHealthcare Insurance Company | $498/mo | $512/mo | $527/mo | $544/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 | $46/mo | $61/mo | $75/mo | $79/mo |
| Medico Life and Health Insurance Company | $85/mo | $85/mo | $98/mo | $94/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $53/mo | $70/mo | $86/mo | $91/mo |
| Medico Life and Health Insurance Company | $97/mo | $98/mo | $104/mo | $107/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Avera Health Plans, Inc. | $148/mo | $166/mo | $216/mo | $248/mo |
| First Health Life & Health Insurance Company | $148/mo | $174/mo | $201/mo | $225/mo |
| LifeShield National Insurance Company | $149/mo | $154/mo | $189/mo | $233/mo |
| Insurance Company of North America | $153/mo | $155/mo | $184/mo | $224/mo |
| Nassau Life Insurance Company | $162/mo | $170/mo | $208/mo | $247/mo |
| Woodmen Of The World Life Insurance Society | $165/mo | $167/mo | $201/mo | $252/mo |
| AFLAC | $171/mo | $179/mo | $220/mo | $275/mo |
| American Benefit Life Insurance Company | $175/mo | $180/mo | $219/mo | $266/mo |
| HealthSpring National Health Insurance Company | $178/mo | $183/mo | $215/mo | $268/mo |
| Pekin Life Insurance Company | $186/mo | $244/mo | $318/mo | $366/mo |
| Washington National Insurance Company | $188/mo | $243/mo | $311/mo | $390/mo |
| USAA Life Insurance Company | $189/mo | $221/mo | $262/mo | $311/mo |
| Everence Association Inc. | $192/mo | $208/mo | $222/mo | $237/mo |
| Physicians Select Insurance Company | $193/mo | $206/mo | $235/mo | $268/mo |
| Mutual of Omaha Insurance Company | $197/mo | $208/mo | $241/mo | $288/mo |
| Medica Insurance Company | $198/mo | $211/mo | $254/mo | $302/mo |
| Aetna Health Insurance Company | $200/mo | $213/mo | $250/mo | $294/mo |
| Medico Life and Health Insurance Company | $200/mo | $201/mo | $214/mo | $258/mo |
| Bankers Fidelity Assurance Company | $224/mo | $233/mo | $271/mo | $321/mo |
| Heartland National Life Insurance Company | $251/mo | $251/mo | $305/mo | $365/mo |
| United American Insurance Company | $258/mo | $331/mo | $373/mo | $393/mo |
| Guarantee Trust Life Insurance Company | $283/mo | $301/mo | $358/mo | $447/mo |
| AARP - UnitedHealthcare Insurance Company | $404/mo | $414/mo | $414/mo | $426/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Avera Health Plans, Inc. | $169/mo | $189/mo | $246/mo | $283/mo |
| First Health Life & Health Insurance Company | $160/mo | $189/mo | $217/mo | $243/mo |
| LifeShield National Insurance Company | $171/mo | $177/mo | $218/mo | $267/mo |
| Insurance Company of North America | $173/mo | $175/mo | $208/mo | $253/mo |
| Nassau Life Insurance Company | $186/mo | $196/mo | $239/mo | $283/mo |
| Woodmen Of The World Life Insurance Society | $189/mo | $192/mo | $231/mo | $290/mo |
| AFLAC | $190/mo | $199/mo | $245/mo | $306/mo |
| American Benefit Life Insurance Company | $201/mo | $207/mo | $252/mo | $306/mo |
| HealthSpring National Health Insurance Company | $205/mo | $210/mo | $247/mo | $308/mo |
| Pekin Life Insurance Company | $204/mo | $269/mo | $350/mo | $402/mo |
| Washington National Insurance Company | $209/mo | $270/mo | $346/mo | $433/mo |
| USAA Life Insurance Company | $189/mo | $221/mo | $262/mo | $311/mo |
| Everence Association Inc. | $212/mo | $229/mo | $244/mo | $261/mo |
| Physicians Select Insurance Company | $213/mo | $227/mo | $259/mo | $296/mo |
| Mutual of Omaha Insurance Company | $226/mo | $239/mo | $278/mo | $331/mo |
| Medica Insurance Company | $228/mo | $242/mo | $292/mo | $348/mo |
| Aetna Health Insurance Company | $230/mo | $244/mo | $287/mo | $338/mo |
| Medico Life and Health Insurance Company | $228/mo | $229/mo | $244/mo | $293/mo |
| Bankers Fidelity Assurance Company | $257/mo | $268/mo | $311/mo | $369/mo |
| Heartland National Life Insurance Company | $289/mo | $289/mo | $351/mo | $419/mo |
| United American Insurance Company | $296/mo | $381/mo | $429/mo | $452/mo |
| Guarantee Trust Life Insurance Company | $317/mo | $337/mo | $400/mo | $501/mo |
| AARP - UnitedHealthcare Insurance Company | $456/mo | $468/mo | $467/mo | $482/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 |
|---|---|---|---|---|
| Bankers Fidelity Assurance Company | $38/mo | $41/mo | $48/mo | $56/mo |
| Aetna Health Insurance Company | $43/mo | $45/mo | $53/mo | $63/mo |
| Washington National Insurance Company | $45/mo | $55/mo | $66/mo | $79/mo |
| United American Insurance Company | $46/mo | $61/mo | $75/mo | $79/mo |
| Mutual of Omaha Insurance Company | $47/mo | $52/mo | $62/mo | $72/mo |
| Woodmen Of The World Life Insurance Society | $48/mo | $50/mo | $60/mo | $73/mo |
| Insurance Company of North America | $50/mo | $51/mo | $60/mo | $74/mo |
| HealthSpring National Health Insurance Company | $63/mo | $65/mo | $76/mo | $95/mo |
| Avera Health Plans, Inc. | $65/mo | $73/mo | $95/mo | $109/mo |
| Medico Life and Health Insurance Company | $68/mo | $69/mo | $73/mo | $95/mo |
| Physicians Select Insurance Company | $78/mo | $84/mo | $104/mo | $128/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Bankers Fidelity Assurance Company | $44/mo | $47/mo | $55/mo | $65/mo |
| Aetna Health Insurance Company | $49/mo | $52/mo | $61/mo | $72/mo |
| Washington National Insurance Company | $50/mo | $61/mo | $74/mo | $88/mo |
| United American Insurance Company | $53/mo | $70/mo | $86/mo | $91/mo |
| Mutual of Omaha Insurance Company | $54/mo | $60/mo | $71/mo | $83/mo |
| Woodmen Of The World Life Insurance Society | $56/mo | $57/mo | $69/mo | $84/mo |
| Insurance Company of North America | $57/mo | $58/mo | $68/mo | $83/mo |
| HealthSpring National Health Insurance Company | $73/mo | $75/mo | $88/mo | $109/mo |
| Avera Health Plans, Inc. | $74/mo | $83/mo | $108/mo | $124/mo |
| Medico Life and Health Insurance Company | $82/mo | $83/mo | $86/mo | $96/mo |
| Physicians Select Insurance Company | $85/mo | $93/mo | $114/mo | $141/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 |
|---|---|---|---|---|
| Bankers Fidelity Assurance Company | $72/mo | $81/mo | $95/mo | $111/mo |
| United American Insurance Company | $90/mo | $120/mo | $133/mo | $141/mo |
| AARP - UnitedHealthcare Insurance Company | $126/mo | $130/mo | $136/mo | $141/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Bankers Fidelity Assurance Company | $83/mo | $93/mo | $109/mo | $128/mo |
| United American Insurance Company | $103/mo | $137/mo | $153/mo | $163/mo |
| AARP - UnitedHealthcare Insurance Company | $143/mo | $147/mo | $154/mo | $159/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. | $116/mo | $127/mo | $135/mo | $147/mo |
| United American Insurance Company | $126/mo | $168/mo | $187/mo | $199/mo |
| AARP - UnitedHealthcare Insurance Company | $266/mo | $273/mo | $286/mo | $296/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Everence Association Inc. | $128/mo | $140/mo | $149/mo | $162/mo |
| United American Insurance Company | $145/mo | $193/mo | $215/mo | $228/mo |
| AARP - UnitedHealthcare Insurance Company | $300/mo | $309/mo | $323/mo | $334/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $82/mo | $97/mo | $113/mo | $127/mo |
| Insurance Company of North America | $106/mo | $109/mo | $129/mo | $157/mo |
| LifeShield National Insurance Company | $111/mo | $122/mo | $153/mo | $186/mo |
| AFLAC | $114/mo | $124/mo | $155/mo | $197/mo |
| Woodmen Of The World Life Insurance Society | $117/mo | $120/mo | $145/mo | $180/mo |
| Nassau Life Insurance Company | $120/mo | $129/mo | $158/mo | $189/mo |
| Washington National Insurance Company | $121/mo | $156/mo | $200/mo | $250/mo |
| American Benefit Life Insurance Company | $124/mo | $136/mo | $170/mo | $212/mo |
| Everence Association Inc. | $128/mo | $154/mo | $174/mo | $190/mo |
| Pekin Life Insurance Company | $128/mo | $168/mo | $219/mo | $252/mo |
| HealthSpring National Health Insurance Company | $135/mo | $142/mo | $168/mo | $200/mo |
| Mutual of Omaha Insurance Company | $137/mo | $151/mo | $179/mo | $215/mo |
| Medica Insurance Company | $138/mo | $145/mo | $179/mo | $219/mo |
| Medico Life and Health Insurance Company | $141/mo | $142/mo | $152/mo | $186/mo |
| Aetna Health Insurance Company | $143/mo | $160/mo | $188/mo | $221/mo |
| Bankers Fidelity Assurance Company | $145/mo | $162/mo | $191/mo | $224/mo |
| Heartland National Life Insurance Company | $150/mo | $157/mo | $191/mo | $229/mo |
| USAA Life Insurance Company | $172/mo | $202/mo | $241/mo | $280/mo |
| Guarantee Trust Life Insurance Company | $215/mo | $229/mo | $272/mo | $340/mo |
| United American Insurance Company | $248/mo | $321/mo | $364/mo | $390/mo |
| AARP - UnitedHealthcare Insurance Company | $329/mo | $339/mo | $350/mo | $362/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $89/mo | $105/mo | $121/mo | $137/mo |
| Insurance Company of North America | $120/mo | $123/mo | $145/mo | $177/mo |
| LifeShield National Insurance Company | $128/mo | $140/mo | $176/mo | $214/mo |
| AFLAC | $126/mo | $138/mo | $172/mo | $219/mo |
| Woodmen Of The World Life Insurance Society | $135/mo | $138/mo | $167/mo | $207/mo |
| Nassau Life Insurance Company | $138/mo | $148/mo | $182/mo | $217/mo |
| Washington National Insurance Company | $135/mo | $174/mo | $222/mo | $278/mo |
| American Benefit Life Insurance Company | $143/mo | $156/mo | $195/mo | $244/mo |
| Everence Association Inc. | $141/mo | $169/mo | $192/mo | $209/mo |
| Pekin Life Insurance Company | $141/mo | $185/mo | $241/mo | $277/mo |
| HealthSpring National Health Insurance Company | $155/mo | $163/mo | $194/mo | $230/mo |
| Mutual of Omaha Insurance Company | $157/mo | $174/mo | $206/mo | $247/mo |
| Medica Insurance Company | $159/mo | $166/mo | $206/mo | $251/mo |
| Medico Life and Health Insurance Company | $161/mo | $162/mo | $173/mo | $209/mo |
| Aetna Health Insurance Company | $164/mo | $183/mo | $217/mo | $254/mo |
| Bankers Fidelity Assurance Company | $166/mo | $187/mo | $220/mo | $258/mo |
| Heartland National Life Insurance Company | $172/mo | $180/mo | $219/mo | $263/mo |
| USAA Life Insurance Company | $172/mo | $202/mo | $241/mo | $280/mo |
| Guarantee Trust Life Insurance Company | $241/mo | $256/mo | $305/mo | $381/mo |
| United American Insurance Company | $285/mo | $369/mo | $419/mo | $449/mo |
| AARP - UnitedHealthcare Insurance Company | $372/mo | $383/mo | $396/mo | $409/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 Iowa carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $106 – $141/mo |
| w / 6% HHD | $125 – $165/mo | |
| Standard II w / 20% HHD | $159 – $211/mo | |
| Standard II w / 6% HHD | $187 – $248/mo | |
| Standard II | $199 – $263/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $115 – $132/mo |
| Level 2 | $316 – $365/mo | |
| Medico Life and Health Insurance Company | Preferred | $159 – $220/mo |
| Standard I | $175 – $241/mo | |
| Standard II | $199 – $274/mo | |
| Bankers Fidelity Assurance Company | Preferred | $184 – $212/mo |
| Standard | $221 – $254/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $122 – $162/mo |
| w / 6% HHD | $143 – $190/mo | |
| Standard II w / 20% HHD | $183 – $242/mo | |
| Standard II w / 6% HHD | $215 – $285/mo | |
| Standard II | $228 – $303/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $130 – $150/mo |
| Level 2 | $358 – $412/mo | |
| Medico Life and Health Insurance Company | Preferred | $179 – $247/mo |
| Standard I | $197 – $272/mo | |
| Standard II | $223 – $309/mo | |
| Bankers Fidelity Assurance Company | Preferred | $212 – $244/mo |
| Standard | $254 – $292/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 Iowa 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 | $167 – $193/mo |
| Level 2 | $459 – $529/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $189 – $218/mo |
| Level 2 | $519 – $598/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 Iowa 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 | $208 – $240/mo |
| Level 2 | $571 – $658/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $235 – $271/mo |
| Level 2 | $645 – $744/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 Iowa carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $147 – $195/mo |
| w / 6% HHD | $172 – $229/mo | |
| Standard II w / 20% HHD | $220 – $292/mo | |
| Standard II w / 6% HHD | $259 – $343/mo | |
| Standard II | $275 – $365/mo | |
| Medico Life and Health Insurance Company | Preferred | $185 – $313/mo |
| Standard I | $203 – $344/mo | |
| Standard II | $231 – $391/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $209 – $241/mo |
| Level 2 | $610 – $703/mo | |
| Bankers Fidelity Assurance Company | Preferred | $219 – $252/mo |
| Standard | $263 – $303/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $169 – $224/mo |
| w / 6% HHD | $198 – $263/mo | |
| Standard II w / 20% HHD | $253 – $336/mo | |
| Standard II w / 6% HHD | $298 – $394/mo | |
| Standard II | $317 – $420/mo | |
| Medico Life and Health Insurance Company | Preferred | $208 – $359/mo |
| Standard I | $228 – $395/mo | |
| Standard II | $260 – $449/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $236 – $272/mo |
| Level 2 | $689 – $794/mo | |
| Bankers Fidelity Assurance Company | Preferred | $252 – $290/mo |
| Standard | $303 – $348/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 Iowa 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 Life and Health Insurance Company | Preferred | $45 – $94/mo |
| Standard II | $77 – $101/mo | |
| Standard I | $89 – $103/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Life and Health Insurance Company | Standard I | $76 – $102/mo |
| Standard II | $87 – $116/mo | |
| Preferred | $93 – $108/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 Iowa carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $107 – $142/mo |
| w / 6% HHD | $126 – $167/mo | |
| Standard II w / 20% HHD | $161 – $214/mo | |
| Standard II w / 6% HHD | $189 – $251/mo | |
| Standard II | $201 – $267/mo | |
| Medico Life and Health Insurance Company | Preferred | $148 – $209/mo |
| Standard I | $163 – $230/mo | |
| Standard II | $185 – $262/mo | |
| Physicians Select Insurance Company | Innovative | $151/mo |
| With Preventive and Fitness Benefits | $219/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $175 – $202/mo |
| Level 2 | $576 – $664/mo | |
| Bankers Fidelity Assurance Company | Preferred | $189 – $218/mo |
| Standard | $227 – $261/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $123 – $164/mo |
| w / 6% HHD | $145 – $192/mo | |
| Standard II w / 20% HHD | $185 – $246/mo | |
| Standard II w / 6% HHD | $218 – $289/mo | |
| Standard II | $232 – $307/mo | |
| Medico Life and Health Insurance Company | Preferred | $167 – $241/mo |
| Standard I | $184 – $265/mo | |
| Standard II | $209 – $301/mo | |
| Physicians Select Insurance Company | Innovative | $167/mo |
| With Preventive and Fitness Benefits | $241/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $197 – $228/mo |
| Level 2 | $651 – $750/mo | |
| Bankers Fidelity Assurance Company | Preferred | $218 – $250/mo |
| Standard | $261 – $300/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 Iowa carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $32 – $37/mo |
| Standard | $39 – $45/mo | |
| HealthSpring National Health Insurance Company | w / 20% HHD | $38 – $51/mo |
| w / 6% HHD | $45 – $59/mo | |
| Standard II w / 20% HHD | $57 – $76/mo | |
| Standard II w / 6% HHD | $67 – $89/mo | |
| Standard II | $72 – $95/mo | |
| Medico Life and Health Insurance Company | Preferred | $50 – $72/mo |
| Standard I | $55 – $79/mo | |
| Standard II | $63 – $90/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $37 – $43/mo |
| Standard | $45 – $51/mo | |
| HealthSpring National Health Insurance Company | w / 20% HHD | $44 – $58/mo |
| w / 6% HHD | $52 – $68/mo | |
| Standard II w / 20% HHD | $66 – $87/mo | |
| Standard II w / 6% HHD | $77 – $103/mo | |
| Standard II | $82 – $109/mo | |
| Medico Life and Health Insurance Company | Preferred | $56 – $83/mo |
| Standard I | $62 – $91/mo | |
| Standard II | $97 – $104/mo |
Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.
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 Iowa carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $61 – $70/mo |
| Standard | $73 – $84/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $62 – $72/mo |
| Level 2 | $172 – $199/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $70 – $80/mo |
| Standard | $84 – $96/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $70 – $81/mo |
| Level 2 | $195 – $225/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 Iowa 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 | $131 – $152/mo |
| Level 2 | $362 – $417/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $149 – $172/mo |
| Level 2 | $409 – $471/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 Iowa carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $81 – $108/mo |
| w / 6% HHD | $96 – $127/mo | |
| Standard II w / 20% HHD | $122 – $162/mo | |
| Standard II w / 6% HHD | $143 – $190/mo | |
| Standard II | $153 – $202/mo | |
| Medico Life and Health Insurance Company | Preferred | $105 – $148/mo |
| Standard I | $115 – $163/mo | |
| Standard II | $131 – $185/mo | |
| Bankers Fidelity Assurance Company | Preferred | $122 – $141/mo |
| Standard | $147 – $169/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $158 – $182/mo |
| Level 2 | $454 – $523/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $94 – $124/mo |
| w / 6% HHD | $110 – $146/mo | |
| Standard II w / 20% HHD | $140 – $186/mo | |
| Standard II w / 6% HHD | $165 – $219/mo | |
| Standard II | $175 – $233/mo | |
| Medico Life and Health Insurance Company | Preferred | $118 – $171/mo |
| Standard I | $129 – $188/mo | |
| Standard II | $147 – $213/mo | |
| Bankers Fidelity Assurance Company | Preferred | $140 – $162/mo |
| Standard | $169 – $194/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $179 – $206/mo |
| Level 2 | $513 – $591/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. To buy a Medicare Supplement (Medigap) plan in Iowa, you must be actively enrolled in both Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance). Think of Original Medicare as the foundation of a sturdy Midwestern farmhouse, you simply cannot build your Medigap protection on top until those core federal parts are fully in place.
No. You are not legally required to buy a Medicare Part D prescription drug plan in Iowa. However, passing on it could end up costing you more than a season pass to the Iowa State Fair if you aren't careful. Modern Medigap policies do not cover your retail pharmacy medications. If you go without a standalone Part D plan (or equivalent coverage from a former employer) when you are first eligible, Medicare will attach a permanent, lifelong monthly penalty to your premium if you decide to enroll later.
No. Currently, Iowa does not have a Medicare Supplement birthday rule in effect. While state lawmakers have recently considered legislation to create an annual switching window, it has not yet become active law. This means that if you want to switch your Medigap carrier down the road in search of a lower monthly premium, you will generally have to pass medical underwriting. Insurance companies can legally look at your health history and deny your application based on pre-existing conditions.
For the vast majority of folks from Des Moines to Cedar Rapids, Medicare eligibility officially begins at age 65. Your Initial Enrollment Period is a seven-month window that starts three months before your 65th birthday month, includes the month you blow out the candles, and ends three months later. You can also qualify earlier than 65 if you have been receiving Social Security Disability benefits for 24 months, or if you have specific severe conditions like ALS or End-Stage Renal Disease (ESRD).
Yes. Iowa adheres strictly to the standard federal 6-month Medigap Open Enrollment Period. This golden, one-time window automatically begins on the first day of the month you are 65 or older and actively enrolled in Medicare Part B. During this six-month timeframe, insurance carriers must practice true Midwest hospitality: they are legally prohibited from denying you a policy, charging you higher rates, or delaying your coverage due to any past or present health problems.
Have more questions? Browse our complete FAQ library or call 1 (855) 665-9200
© 2026 United Medicare Advisors.
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.
Spring Insurance Solutions dba United Medicare Advisors and www.unitedmedicareadvisors.com are wholly owned and operated by Spring Venture Group, LLC. United Medicare Advisors and its divisions are licensed to sell insurance products in AL, AZ, AR, CA, CO, CT, DE, DC, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY.
