Rate data current as of
Compare 2026 Medicare Supplement (Medigap) rates in Kansas. 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 | $265/mo |
| 70 | $280/mo |
| 75 | $313/mo |
| 80 | $353/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 Kansas. 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 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $118/mo | $150/mo | $162/mo | $163/mo |
| Kansas Farm Bureau Health Plans | $132/mo | $159/mo | $185/mo | $200/mo |
| First Health Life & Health Insurance Company | $139/mo | $159/mo | $177/mo | $188/mo |
| LifeShield National Insurance Company | $149/mo | $153/mo | $189/mo | $228/mo |
| Aetna Health Insurance Company | $150/mo | $159/mo | $187/mo | $220/mo |
| HealthSpring Insurance Company | $155/mo | $161/mo | $196/mo | $244/mo |
| State Farm Mutual Automobile Insurance Company | $160/mo | $202/mo | $233/mo | $262/mo |
| MedMutual Protect | $162/mo | $173/mo | $203/mo | $238/mo |
| AARP - UnitedHealthcare Insurance Company | $167/mo | $203/mo | $239/mo | $239/mo |
| American Benefit Life Insurance Company | $168/mo | $173/mo | $211/mo | $256/mo |
| Insurance Company of North America | $173/mo | $175/mo | $208/mo | $253/mo |
| Nassau Life Insurance Company | $185/mo | $194/mo | $237/mo | $279/mo |
| AFLAC | $186/mo | $204/mo | $240/mo | $275/mo |
| AARP - UnitedHealthcare Insurance Company of America | $188/mo | $209/mo | $244/mo | $283/mo |
| Washington National Insurance Company | $196/mo | $254/mo | $325/mo | $406/mo |
| Medico Life and Health Insurance Company | $197/mo | $199/mo | $212/mo | $250/mo |
| Humana Insurance Company | $204/mo | $219/mo | $262/mo | $318/mo |
| United World Life Insurance Company | $209/mo | $229/mo | $255/mo | $288/mo |
| Everence Association Inc. | $224/mo | $242/mo | $254/mo | $269/mo |
| GPM Health and Life Insurance Company | $225/mo | $248/mo | $297/mo | $342/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $135/mo | $172/mo | $186/mo | $187/mo |
| Kansas Farm Bureau Health Plans Lowest | $132/mo | $159/mo | $185/mo | $200/mo |
| First Health Life & Health Insurance Company | $152/mo | $174/mo | $193/mo | $205/mo |
| LifeShield National Insurance Company | $171/mo | $176/mo | $218/mo | $262/mo |
| Aetna Health Insurance Company | $172/mo | $183/mo | $214/mo | $253/mo |
| HealthSpring Insurance Company | $173/mo | $180/mo | $220/mo | $274/mo |
| State Farm Mutual Automobile Insurance Company | $173/mo | $218/mo | $253/mo | $284/mo |
| MedMutual Protect | $178/mo | $190/mo | $223/mo | $261/mo |
| AARP - UnitedHealthcare Insurance Company | $167/mo | $203/mo | $239/mo | $239/mo |
| American Benefit Life Insurance Company | $193/mo | $199/mo | $242/mo | $295/mo |
| Insurance Company of North America | $195/mo | $198/mo | $235/mo | $286/mo |
| Nassau Life Insurance Company | $213/mo | $223/mo | $272/mo | $321/mo |
| AFLAC | $213/mo | $233/mo | $275/mo | $315/mo |
| AARP - UnitedHealthcare Insurance Company of America | $213/mo | $237/mo | $276/mo | $319/mo |
| Washington National Insurance Company | $218/mo | $282/mo | $361/mo | $451/mo |
| Medico Life and Health Insurance Company | $226/mo | $228/mo | $244/mo | $288/mo |
| Humana Insurance Company | $232/mo | $249/mo | $298/mo | $362/mo |
| United World Life Insurance Company | $240/mo | $263/mo | $294/mo | $331/mo |
| Everence Association Inc. | $246/mo | $266/mo | $279/mo | $296/mo |
| GPM Health and Life Insurance Company | $258/mo | $285/mo | $341/mo | $394/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 | $159/mo | $186/mo | $212/mo | $233/mo |
| Aetna Health Insurance Company | $173/mo | $184/mo | $216/mo | $255/mo |
| AARP - UnitedHealthcare Insurance Company | $237/mo | $288/mo | $340/mo | $340/mo |
| United American Insurance Company | $268/mo | $345/mo | $384/mo | $390/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $173/mo | $202/mo | $230/mo | $253/mo |
| Aetna Health Insurance Company | $199/mo | $211/mo | $248/mo | $293/mo |
| AARP - UnitedHealthcare Insurance Company | $237/mo | $288/mo | $340/mo | $340/mo |
| United American Insurance Company | $308/mo | $396/mo | $441/mo | $448/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 | $270/mo | $340/mo | $394/mo | $443/mo |
| United American Insurance Company | $280/mo | $363/mo | $415/mo | $452/mo |
| AARP - UnitedHealthcare Insurance Company | $287/mo | $349/mo | $411/mo | $411/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $293/mo | $369/mo | $427/mo | $480/mo |
| United American Insurance Company | $321/mo | $418/mo | $477/mo | $520/mo |
| AARP - UnitedHealthcare Insurance Company Lowest | $287/mo | $349/mo | $411/mo | $411/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 |
|---|---|---|---|---|
| Kansas Farm Bureau Health Plans Lowest | $156/mo | $186/mo | $225/mo | $261/mo |
| State Farm Mutual Automobile Insurance Company | $197/mo | $241/mo | $284/mo | $322/mo |
| United American Insurance Company | $263/mo | $348/mo | $400/mo | $437/mo |
| MedMutual Protect | $274/mo | $292/mo | $342/mo | $402/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Kansas Farm Bureau Health Plans Lowest | $156/mo | $186/mo | $225/mo | $261/mo |
| State Farm Mutual Automobile Insurance Company | $201/mo | $266/mo | $320/mo | $370/mo |
| United American Insurance Company | $302/mo | $400/mo | $460/mo | $503/mo |
| MedMutual Protect | $301/mo | $321/mo | $377/mo | $442/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 |
|---|---|---|---|---|
| LifeShield National Insurance Company Lowest | $179/mo | $185/mo | $222/mo | $267/mo |
| MedMutual Protect | $179/mo | $191/mo | $224/mo | $263/mo |
| AFLAC | $187/mo | $200/mo | $241/mo | $298/mo |
| Nassau Life Insurance Company | $191/mo | $207/mo | $241/mo | $284/mo |
| American Benefit Life Insurance Company | $200/mo | $209/mo | $250/mo | $302/mo |
| HealthSpring Insurance Company | $212/mo | $218/mo | $248/mo | $291/mo |
| Aetna Health Insurance Company | $219/mo | $232/mo | $273/mo | $321/mo |
| Insurance Company of North America | $220/mo | $226/mo | $269/mo | $327/mo |
| Humana Insurance Company | $234/mo | $250/mo | $299/mo | $364/mo |
| First Health Life & Health Insurance Company | $243/mo | $285/mo | $327/mo | $364/mo |
| United World Life Insurance Company | $250/mo | $265/mo | $302/mo | $358/mo |
| Medico Life and Health Insurance Company | $262/mo | $265/mo | $282/mo | $334/mo |
| Washington National Insurance Company | $262/mo | $318/mo | $385/mo | $460/mo |
| State Farm Mutual Automobile Insurance Company | $273/mo | $344/mo | $398/mo | $447/mo |
| AARP - UnitedHealthcare Insurance Company | $288/mo | $350/mo | $413/mo | $413/mo |
| AARP - UnitedHealthcare Insurance Company of America | $289/mo | $321/mo | $375/mo | $433/mo |
| Everence Association Inc. | $313/mo | $340/mo | $360/mo | $390/mo |
| GPM Health and Life Insurance Company | $313/mo | $346/mo | $414/mo | $478/mo |
| United American Insurance Company | $359/mo | $466/mo | $533/mo | $580/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| LifeShield National Insurance Company | $206/mo | $213/mo | $256/mo | $307/mo |
| MedMutual Protect Lowest | $197/mo | $210/mo | $246/mo | $289/mo |
| AFLAC | $214/mo | $229/mo | $276/mo | $342/mo |
| Nassau Life Insurance Company | $220/mo | $238/mo | $277/mo | $327/mo |
| American Benefit Life Insurance Company | $230/mo | $240/mo | $288/mo | $348/mo |
| HealthSpring Insurance Company | $238/mo | $244/mo | $278/mo | $325/mo |
| Aetna Health Insurance Company | $252/mo | $267/mo | $314/mo | $370/mo |
| Insurance Company of North America | $248/mo | $256/mo | $304/mo | $369/mo |
| Humana Insurance Company | $266/mo | $285/mo | $340/mo | $414/mo |
| First Health Life & Health Insurance Company | $263/mo | $308/mo | $353/mo | $393/mo |
| United World Life Insurance Company | $288/mo | $305/mo | $347/mo | $411/mo |
| Medico Life and Health Insurance Company | $302/mo | $305/mo | $325/mo | $384/mo |
| Washington National Insurance Company | $291/mo | $353/mo | $428/mo | $510/mo |
| State Farm Mutual Automobile Insurance Company | $295/mo | $372/mo | $431/mo | $485/mo |
| AARP - UnitedHealthcare Insurance Company | $288/mo | $350/mo | $413/mo | $413/mo |
| AARP - UnitedHealthcare Insurance Company of America | $327/mo | $363/mo | $423/mo | $489/mo |
| Everence Association Inc. | $345/mo | $374/mo | $396/mo | $429/mo |
| GPM Health and Life Insurance Company | $360/mo | $398/mo | $477/mo | $550/mo |
| United American Insurance Company | $413/mo | $536/mo | $613/mo | $667/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 | $44/mo | $60/mo | $76/mo | $94/mo |
| Medico Life and Health Insurance Company | $79/mo | $79/mo | $85/mo | $100/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $51/mo | $69/mo | $87/mo | $108/mo |
| Medico Life and Health Insurance Company | $90/mo | $91/mo | $97/mo | $115/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 Insurance Company Lowest | $136/mo | $141/mo | $172/mo | $214/mo |
| LifeShield National Insurance Company | $150/mo | $154/mo | $190/mo | $229/mo |
| MedMutual Protect | $157/mo | $167/mo | $196/mo | $230/mo |
| AFLAC | $162/mo | $170/mo | $207/mo | $270/mo |
| Kansas Farm Bureau Health Plans | $162/mo | $194/mo | $234/mo | $272/mo |
| American Benefit Life Insurance Company | $169/mo | $174/mo | $212/mo | $258/mo |
| Nassau Life Insurance Company | $169/mo | $178/mo | $216/mo | $257/mo |
| Insurance Company of North America | $175/mo | $177/mo | $210/mo | $256/mo |
| Medico Life and Health Insurance Company | $182/mo | $184/mo | $196/mo | $232/mo |
| Washington National Insurance Company | $186/mo | $240/mo | $308/mo | $385/mo |
| AARP - UnitedHealthcare Insurance Company of America | $193/mo | $215/mo | $251/mo | $290/mo |
| Aetna Health Insurance Company | $195/mo | $207/mo | $243/mo | $286/mo |
| State Farm Mutual Automobile Insurance Company | $197/mo | $241/mo | $284/mo | $323/mo |
| Everence Association Inc. | $204/mo | $220/mo | $235/mo | $251/mo |
| Humana Insurance Company | $204/mo | $219/mo | $262/mo | $319/mo |
| First Health Life & Health Insurance Company | $217/mo | $255/mo | $294/mo | $329/mo |
| United World Life Insurance Company | $220/mo | $241/mo | $269/mo | $303/mo |
| AARP - UnitedHealthcare Insurance Company | $231/mo | $280/mo | $330/mo | $330/mo |
| GPM Health and Life Insurance Company | $231/mo | $255/mo | $306/mo | $352/mo |
| United American Insurance Company | $247/mo | $327/mo | $377/mo | $411/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring Insurance Company Lowest | $152/mo | $158/mo | $193/mo | $240/mo |
| LifeShield National Insurance Company | $172/mo | $177/mo | $219/mo | $264/mo |
| MedMutual Protect | $172/mo | $184/mo | $216/mo | $253/mo |
| AFLAC | $186/mo | $195/mo | $237/mo | $310/mo |
| Kansas Farm Bureau Health Plans | $162/mo | $194/mo | $234/mo | $272/mo |
| American Benefit Life Insurance Company | $194/mo | $200/mo | $244/mo | $296/mo |
| Nassau Life Insurance Company | $194/mo | $204/mo | $249/mo | $295/mo |
| Insurance Company of North America | $197/mo | $200/mo | $237/mo | $289/mo |
| Medico Life and Health Insurance Company | $210/mo | $212/mo | $226/mo | $267/mo |
| Washington National Insurance Company | $207/mo | $267/mo | $342/mo | $428/mo |
| AARP - UnitedHealthcare Insurance Company of America | $219/mo | $243/mo | $283/mo | $328/mo |
| Aetna Health Insurance Company | $224/mo | $238/mo | $279/mo | $329/mo |
| State Farm Mutual Automobile Insurance Company | $201/mo | $266/mo | $321/mo | $371/mo |
| Everence Association Inc. | $224/mo | $242/mo | $258/mo | $276/mo |
| Humana Insurance Company | $233/mo | $249/mo | $298/mo | $362/mo |
| First Health Life & Health Insurance Company | $234/mo | $275/mo | $317/mo | $355/mo |
| United World Life Insurance Company | $253/mo | $277/mo | $309/mo | $349/mo |
| AARP - UnitedHealthcare Insurance Company | $231/mo | $280/mo | $330/mo | $330/mo |
| GPM Health and Life Insurance Company | $266/mo | $294/mo | $351/mo | $405/mo |
| United American Insurance Company | $284/mo | $376/mo | $433/mo | $473/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 | $44/mo | $60/mo | $76/mo | $94/mo |
| Aetna Health Insurance Company | $45/mo | $48/mo | $56/mo | $67/mo |
| HealthSpring Insurance Company | $45/mo | $47/mo | $57/mo | $71/mo |
| Washington National Insurance Company | $46/mo | $56/mo | $68/mo | $81/mo |
| MedMutual Protect | $48/mo | $51/mo | $60/mo | $71/mo |
| Humana Insurance Company | $51/mo | $54/mo | $65/mo | $79/mo |
| United World Life Insurance Company | $56/mo | $61/mo | $68/mo | $77/mo |
| Insurance Company of North America | $57/mo | $58/mo | $68/mo | $83/mo |
| Medico Life and Health Insurance Company | $63/mo | $64/mo | $68/mo | $80/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $51/mo | $69/mo | $87/mo | $108/mo |
| Aetna Health Insurance Company | $52/mo | $55/mo | $65/mo | $77/mo |
| HealthSpring Insurance Company | $51/mo | $53/mo | $64/mo | $80/mo |
| Washington National Insurance Company | $51/mo | $62/mo | $75/mo | $89/mo |
| MedMutual Protect | $53/mo | $56/mo | $66/mo | $78/mo |
| Humana Insurance Company | $58/mo | $62/mo | $74/mo | $90/mo |
| United World Life Insurance Company | $64/mo | $70/mo | $78/mo | $88/mo |
| Insurance Company of North America | $64/mo | $65/mo | $77/mo | $94/mo |
| Medico Life and Health Insurance Company | $72/mo | $73/mo | $78/mo | $92/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 | $93/mo | $113/mo | $133/mo | $133/mo |
| United American Insurance Company | $105/mo | $141/mo | $156/mo | $166/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $93/mo | $113/mo | $133/mo | $133/mo |
| United American Insurance Company | $121/mo | $162/mo | $180/mo | $190/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 | $129/mo | $141/mo | $151/mo | $164/mo |
| United American Insurance Company | $148/mo | $197/mo | $220/mo | $233/mo |
| AARP - UnitedHealthcare Insurance Company | $166/mo | $202/mo | $238/mo | $238/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Everence Association Inc. Lowest | $142/mo | $156/mo | $166/mo | $180/mo |
| United American Insurance Company | $170/mo | $227/mo | $253/mo | $267/mo |
| AARP - UnitedHealthcare Insurance Company | $166/mo | $202/mo | $238/mo | $238/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 Insurance Company Lowest | $91/mo | $100/mo | $121/mo | $147/mo |
| MedMutual Protect | $110/mo | $117/mo | $137/mo | $161/mo |
| Insurance Company of North America | $114/mo | $116/mo | $138/mo | $168/mo |
| LifeShield National Insurance Company | $116/mo | $122/mo | $150/mo | $182/mo |
| AFLAC | $118/mo | $129/mo | $161/mo | $210/mo |
| Kansas Farm Bureau Health Plans | $118/mo | $141/mo | $171/mo | $200/mo |
| American Benefit Life Insurance Company | $123/mo | $134/mo | $168/mo | $209/mo |
| First Health Life & Health Insurance Company | $123/mo | $146/mo | $169/mo | $190/mo |
| Nassau Life Insurance Company | $125/mo | $134/mo | $164/mo | $196/mo |
| Washington National Insurance Company | $127/mo | $163/mo | $209/mo | $261/mo |
| AARP - UnitedHealthcare Insurance Company of America | $130/mo | $145/mo | $169/mo | $196/mo |
| Aetna Health Insurance Company | $130/mo | $146/mo | $172/mo | $202/mo |
| Medico Life and Health Insurance Company | $133/mo | $135/mo | $144/mo | $170/mo |
| Everence Association Inc. | $143/mo | $172/mo | $195/mo | $213/mo |
| Humana Insurance Company | $146/mo | $156/mo | $187/mo | $227/mo |
| State Farm Mutual Automobile Insurance Company | $149/mo | $183/mo | $217/mo | $250/mo |
| United World Life Insurance Company | $155/mo | $191/mo | $226/mo | $261/mo |
| GPM Health and Life Insurance Company | $179/mo | $198/mo | $237/mo | $274/mo |
| AARP - UnitedHealthcare Insurance Company | $216/mo | $263/mo | $310/mo | $310/mo |
| United American Insurance Company | $236/mo | $314/mo | $364/mo | $403/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring Insurance Company Lowest | $102/mo | $112/mo | $136/mo | $165/mo |
| MedMutual Protect | $121/mo | $129/mo | $151/mo | $177/mo |
| Insurance Company of North America | $129/mo | $131/mo | $156/mo | $190/mo |
| LifeShield National Insurance Company | $133/mo | $141/mo | $173/mo | $209/mo |
| AFLAC | $135/mo | $148/mo | $185/mo | $241/mo |
| Kansas Farm Bureau Health Plans | $118/mo | $141/mo | $171/mo | $200/mo |
| American Benefit Life Insurance Company | $141/mo | $154/mo | $193/mo | $241/mo |
| First Health Life & Health Insurance Company | $133/mo | $157/mo | $181/mo | $205/mo |
| Nassau Life Insurance Company | $144/mo | $154/mo | $189/mo | $226/mo |
| Washington National Insurance Company | $140/mo | $181/mo | $232/mo | $290/mo |
| AARP - UnitedHealthcare Insurance Company of America | $147/mo | $164/mo | $191/mo | $222/mo |
| Aetna Health Insurance Company | $150/mo | $168/mo | $198/mo | $233/mo |
| Medico Life and Health Insurance Company | $153/mo | $155/mo | $165/mo | $195/mo |
| Everence Association Inc. | $158/mo | $189/mo | $215/mo | $234/mo |
| Humana Insurance Company | $166/mo | $178/mo | $212/mo | $258/mo |
| State Farm Mutual Automobile Insurance Company | $156/mo | $205/mo | $247/mo | $288/mo |
| United World Life Insurance Company | $178/mo | $219/mo | $260/mo | $300/mo |
| GPM Health and Life Insurance Company | $206/mo | $228/mo | $273/mo | $315/mo |
| AARP - UnitedHealthcare Insurance Company | $216/mo | $263/mo | $310/mo | $310/mo |
| United American Insurance Company | $271/mo | $361/mo | $418/mo | $463/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 | $118/mo | $150/mo | $162/mo | $163/mo |
| Kansas Farm Bureau Health Plans | $132/mo | $159/mo | $185/mo | $200/mo |
| First Health Life & Health Insurance Company | $153/mo | $175/mo | $195/mo | $207/mo |
| LifeShield National Insurance Company | $155/mo | $159/mo | $196/mo | $237/mo |
| Aetna Health Insurance Company | $156/mo | $165/mo | $194/mo | $229/mo |
| State Farm Mutual Automobile Insurance Company | $160/mo | $202/mo | $233/mo | $262/mo |
| MedMutual Protect | $167/mo | $178/mo | $209/mo | $245/mo |
| American Benefit Life Insurance Company | $174/mo | $179/mo | $219/mo | $266/mo |
| Insurance Company of North America | $175/mo | $178/mo | $211/mo | $257/mo |
| Nassau Life Insurance Company | $192/mo | $202/mo | $246/mo | $290/mo |
| AFLAC | $193/mo | $211/mo | $249/mo | $285/mo |
| Humana Insurance Company | $209/mo | $224/mo | $268/mo | $326/mo |
| Washington National Insurance Company | $219/mo | $283/mo | $363/mo | $454/mo |
| GPM Health and Life Insurance Company | $231/mo | $256/mo | $306/mo | $353/mo |
| Everence Association Inc. | $233/mo | $251/mo | $264/mo | $280/mo |
| Medico Life and Health Insurance Company | $237/mo | $240/mo | $256/mo | $302/mo |
| United World Life Insurance Company | $244/mo | $267/mo | $298/mo | $336/mo |
| HealthSpring Insurance Company | $247/mo | $256/mo | $312/mo | $389/mo |
| AARP - UnitedHealthcare Insurance Company | $263/mo | $281/mo | $300/mo | $300/mo |
| AARP - UnitedHealthcare Insurance Company of America | $392/mo | $404/mo | $424/mo | $446/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $135/mo | $172/mo | $186/mo | $187/mo |
| Kansas Farm Bureau Health Plans | $132/mo | $159/mo | $185/mo | $200/mo |
| First Health Life & Health Insurance Company | $167/mo | $191/mo | $212/mo | $225/mo |
| LifeShield National Insurance Company | $178/mo | $183/mo | $226/mo | $272/mo |
| Aetna Health Insurance Company | $179/mo | $190/mo | $223/mo | $263/mo |
| State Farm Mutual Automobile Insurance Company | $173/mo | $218/mo | $253/mo | $284/mo |
| MedMutual Protect | $183/mo | $195/mo | $229/mo | $269/mo |
| American Benefit Life Insurance Company | $201/mo | $206/mo | $251/mo | $306/mo |
| Insurance Company of North America | $198/mo | $201/mo | $238/mo | $290/mo |
| Nassau Life Insurance Company | $221/mo | $232/mo | $283/mo | $333/mo |
| AFLAC | $221/mo | $242/mo | $285/mo | $327/mo |
| Humana Insurance Company | $238/mo | $255/mo | $305/mo | $371/mo |
| Washington National Insurance Company | $244/mo | $315/mo | $403/mo | $504/mo |
| GPM Health and Life Insurance Company | $266/mo | $294/mo | $352/mo | $406/mo |
| Everence Association Inc. | $256/mo | $277/mo | $290/mo | $308/mo |
| Medico Life and Health Insurance Company | $273/mo | $276/mo | $294/mo | $347/mo |
| United World Life Insurance Company | $281/mo | $307/mo | $342/mo | $387/mo |
| HealthSpring Insurance Company | $276/mo | $287/mo | $350/mo | $436/mo |
| AARP - UnitedHealthcare Insurance Company | $263/mo | $281/mo | $300/mo | $300/mo |
| AARP - UnitedHealthcare Insurance Company of America | $442/mo | $456/mo | $478/mo | $503/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $175/mo | $204/mo | $233/mo | $256/mo |
| Aetna Health Insurance Company | $180/mo | $191/mo | $225/mo | $265/mo |
| United American Insurance Company | $268/mo | $345/mo | $384/mo | $390/mo |
| AARP - UnitedHealthcare Insurance Company | $374/mo | $399/mo | $425/mo | $425/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $190/mo | $222/mo | $253/mo | $279/mo |
| Aetna Health Insurance Company | $207/mo | $220/mo | $258/mo | $305/mo |
| United American Insurance Company | $308/mo | $396/mo | $441/mo | $448/mo |
| AARP - UnitedHealthcare Insurance Company | $374/mo | $399/mo | $425/mo | $425/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 | $270/mo | $340/mo | $394/mo | $443/mo |
| United American Insurance Company | $280/mo | $363/mo | $415/mo | $452/mo |
| AARP - UnitedHealthcare Insurance Company | $452/mo | $483/mo | $514/mo | $514/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $293/mo | $369/mo | $427/mo | $480/mo |
| United American Insurance Company | $321/mo | $418/mo | $477/mo | $520/mo |
| AARP - UnitedHealthcare Insurance Company | $452/mo | $483/mo | $514/mo | $514/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Kansas Farm Bureau Health Plans | $156/mo | $186/mo | $225/mo | $261/mo |
| State Farm Mutual Automobile Insurance Company | $197/mo | $241/mo | $284/mo | $322/mo |
| United American Insurance Company | $263/mo | $348/mo | $400/mo | $437/mo |
| MedMutual Protect | $282/mo | $300/mo | $352/mo | $413/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Kansas Farm Bureau Health Plans | $156/mo | $186/mo | $225/mo | $261/mo |
| State Farm Mutual Automobile Insurance Company | $201/mo | $266/mo | $320/mo | $370/mo |
| United American Insurance Company | $302/mo | $400/mo | $460/mo | $503/mo |
| MedMutual Protect | $310/mo | $330/mo | $388/mo | $455/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 | $184/mo | $196/mo | $230/mo | $270/mo |
| LifeShield National Insurance Company | $186/mo | $192/mo | $231/mo | $277/mo |
| AFLAC | $194/mo | $207/mo | $250/mo | $310/mo |
| Nassau Life Insurance Company | $199/mo | $215/mo | $250/mo | $295/mo |
| American Benefit Life Insurance Company | $208/mo | $217/mo | $260/mo | $314/mo |
| Insurance Company of North America | $223/mo | $229/mo | $273/mo | $331/mo |
| Aetna Health Insurance Company | $227/mo | $242/mo | $284/mo | $334/mo |
| Humana Insurance Company | $239/mo | $257/mo | $307/mo | $373/mo |
| First Health Life & Health Insurance Company | $267/mo | $313/mo | $360/mo | $400/mo |
| State Farm Mutual Automobile Insurance Company | $273/mo | $344/mo | $398/mo | $447/mo |
| United World Life Insurance Company | $292/mo | $310/mo | $352/mo | $417/mo |
| Washington National Insurance Company | $293/mo | $355/mo | $430/mo | $513/mo |
| Medico Life and Health Insurance Company | $316/mo | $320/mo | $341/mo | $403/mo |
| GPM Health and Life Insurance Company | $323/mo | $357/mo | $427/mo | $492/mo |
| Everence Association Inc. | $326/mo | $353/mo | $375/mo | $405/mo |
| HealthSpring Insurance Company | $338/mo | $347/mo | $396/mo | $463/mo |
| United American Insurance Company | $359/mo | $466/mo | $533/mo | $580/mo |
| AARP - UnitedHealthcare Insurance Company | $454/mo | $485/mo | $516/mo | $516/mo |
| AARP - UnitedHealthcare Insurance Company of America | $548/mo | $566/mo | $597/mo | $631/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect | $203/mo | $216/mo | $253/mo | $297/mo |
| LifeShield National Insurance Company | $213/mo | $221/mo | $265/mo | $319/mo |
| AFLAC | $222/mo | $238/mo | $286/mo | $355/mo |
| Nassau Life Insurance Company | $228/mo | $247/mo | $288/mo | $339/mo |
| American Benefit Life Insurance Company | $239/mo | $249/mo | $299/mo | $361/mo |
| Insurance Company of North America | $252/mo | $259/mo | $308/mo | $375/mo |
| Aetna Health Insurance Company | $262/mo | $278/mo | $326/mo | $384/mo |
| Humana Insurance Company | $272/mo | $292/mo | $349/mo | $424/mo |
| First Health Life & Health Insurance Company | $289/mo | $339/mo | $389/mo | $433/mo |
| State Farm Mutual Automobile Insurance Company | $295/mo | $372/mo | $431/mo | $485/mo |
| United World Life Insurance Company | $336/mo | $356/mo | $405/mo | $480/mo |
| Washington National Insurance Company | $326/mo | $394/mo | $478/mo | $570/mo |
| Medico Life and Health Insurance Company | $364/mo | $368/mo | $392/mo | $463/mo |
| GPM Health and Life Insurance Company | $371/mo | $410/mo | $491/mo | $566/mo |
| Everence Association Inc. | $358/mo | $389/mo | $412/mo | $446/mo |
| HealthSpring Insurance Company | $378/mo | $388/mo | $443/mo | $519/mo |
| United American Insurance Company | $413/mo | $536/mo | $613/mo | $667/mo |
| AARP - UnitedHealthcare Insurance Company | $454/mo | $485/mo | $516/mo | $516/mo |
| AARP - UnitedHealthcare Insurance Company of America | $619/mo | $639/mo | $674/mo | $712/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 | $44/mo | $60/mo | $76/mo | $94/mo |
| Medico Life and Health Insurance Company | $95/mo | $96/mo | $102/mo | $121/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $51/mo | $69/mo | $87/mo | $108/mo |
| Medico Life and Health Insurance Company | $109/mo | $110/mo | $118/mo | $139/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| LifeShield National Insurance Company | $155/mo | $160/mo | $197/mo | $238/mo |
| MedMutual Protect | $161/mo | $172/mo | $202/mo | $237/mo |
| Kansas Farm Bureau Health Plans | $162/mo | $194/mo | $234/mo | $272/mo |
| AFLAC | $168/mo | $177/mo | $215/mo | $281/mo |
| American Benefit Life Insurance Company | $175/mo | $180/mo | $220/mo | $267/mo |
| Nassau Life Insurance Company | $175/mo | $184/mo | $225/mo | $266/mo |
| Insurance Company of North America | $177/mo | $179/mo | $213/mo | $259/mo |
| State Farm Mutual Automobile Insurance Company | $197/mo | $241/mo | $284/mo | $323/mo |
| Aetna Health Insurance Company | $202/mo | $215/mo | $252/mo | $297/mo |
| Washington National Insurance Company | $208/mo | $268/mo | $344/mo | $430/mo |
| Humana Insurance Company | $210/mo | $225/mo | $269/mo | $327/mo |
| Everence Association Inc. | $212/mo | $229/mo | $244/mo | $261/mo |
| HealthSpring Insurance Company | $216/mo | $225/mo | $274/mo | $341/mo |
| Medico Life and Health Insurance Company | $220/mo | $222/mo | $237/mo | $280/mo |
| GPM Health and Life Insurance Company | $238/mo | $263/mo | $315/mo | $363/mo |
| First Health Life & Health Insurance Company | $239/mo | $281/mo | $323/mo | $362/mo |
| United American Insurance Company | $247/mo | $327/mo | $377/mo | $411/mo |
| United World Life Insurance Company | $257/mo | $281/mo | $313/mo | $354/mo |
| AARP - UnitedHealthcare Insurance Company | $397/mo | $422/mo | $447/mo | $447/mo |
| AARP - UnitedHealthcare Insurance Company of America | $472/mo | $484/mo | $505/mo | $527/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| LifeShield National Insurance Company | $179/mo | $184/mo | $227/mo | $273/mo |
| MedMutual Protect | $177/mo | $189/mo | $222/mo | $260/mo |
| Kansas Farm Bureau Health Plans | $162/mo | $194/mo | $234/mo | $272/mo |
| AFLAC | $192/mo | $202/mo | $246/mo | $321/mo |
| American Benefit Life Insurance Company | $202/mo | $207/mo | $253/mo | $307/mo |
| Nassau Life Insurance Company | $201/mo | $212/mo | $258/mo | $306/mo |
| Insurance Company of North America | $200/mo | $203/mo | $241/mo | $293/mo |
| State Farm Mutual Automobile Insurance Company | $201/mo | $266/mo | $321/mo | $371/mo |
| Aetna Health Insurance Company | $233/mo | $247/mo | $290/mo | $342/mo |
| Washington National Insurance Company | $231/mo | $298/mo | $382/mo | $478/mo |
| Humana Insurance Company | $238/mo | $255/mo | $305/mo | $372/mo |
| Everence Association Inc. | $233/mo | $252/mo | $269/mo | $287/mo |
| HealthSpring Insurance Company | $242/mo | $252/mo | $307/mo | $382/mo |
| Medico Life and Health Insurance Company | $253/mo | $256/mo | $273/mo | $322/mo |
| GPM Health and Life Insurance Company | $274/mo | $302/mo | $362/mo | $417/mo |
| First Health Life & Health Insurance Company | $257/mo | $303/mo | $349/mo | $390/mo |
| United American Insurance Company | $284/mo | $376/mo | $433/mo | $473/mo |
| United World Life Insurance Company | $295/mo | $323/mo | $360/mo | $407/mo |
| AARP - UnitedHealthcare Insurance Company | $397/mo | $422/mo | $447/mo | $447/mo |
| AARP - UnitedHealthcare Insurance Company of America | $533/mo | $547/mo | $570/mo | $595/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 | $44/mo | $60/mo | $76/mo | $94/mo |
| Aetna Health Insurance Company | $47/mo | $50/mo | $59/mo | $69/mo |
| MedMutual Protect | $50/mo | $53/mo | $62/mo | $73/mo |
| Humana Insurance Company | $52/mo | $56/mo | $67/mo | $81/mo |
| Washington National Insurance Company | $52/mo | $62/mo | $76/mo | $90/mo |
| Insurance Company of North America | $58/mo | $58/mo | $69/mo | $84/mo |
| United World Life Insurance Company | $65/mo | $71/mo | $79/mo | $89/mo |
| HealthSpring Insurance Company | $72/mo | $75/mo | $91/mo | $114/mo |
| Medico Life and Health Insurance Company | $76/mo | $77/mo | $82/mo | $97/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $51/mo | $69/mo | $87/mo | $108/mo |
| Aetna Health Insurance Company | $54/mo | $58/mo | $68/mo | $80/mo |
| MedMutual Protect | $55/mo | $58/mo | $68/mo | $80/mo |
| Humana Insurance Company | $59/mo | $63/mo | $76/mo | $92/mo |
| Washington National Insurance Company | $57/mo | $69/mo | $84/mo | $100/mo |
| Insurance Company of North America | $65/mo | $66/mo | $78/mo | $95/mo |
| United World Life Insurance Company | $75/mo | $82/mo | $91/mo | $103/mo |
| HealthSpring Insurance Company | $81/mo | $84/mo | $102/mo | $127/mo |
| Medico Life and Health Insurance Company | $87/mo | $88/mo | $94/mo | $111/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $105/mo | $141/mo | $156/mo | $166/mo |
| AARP - UnitedHealthcare Insurance Company | $147/mo | $157/mo | $167/mo | $167/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $121/mo | $162/mo | $180/mo | $190/mo |
| AARP - UnitedHealthcare Insurance Company | $147/mo | $157/mo | $167/mo | $167/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. | $134/mo | $147/mo | $157/mo | $170/mo |
| United American Insurance Company | $148/mo | $197/mo | $220/mo | $233/mo |
| AARP - UnitedHealthcare Insurance Company | $262/mo | $280/mo | $298/mo | $298/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Everence Association Inc. | $148/mo | $162/mo | $173/mo | $187/mo |
| United American Insurance Company | $170/mo | $227/mo | $253/mo | $267/mo |
| AARP - UnitedHealthcare Insurance Company | $262/mo | $280/mo | $298/mo | $298/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 | $113/mo | $121/mo | $141/mo | $166/mo |
| Insurance Company of North America | $116/mo | $118/mo | $140/mo | $170/mo |
| Kansas Farm Bureau Health Plans | $118/mo | $141/mo | $171/mo | $200/mo |
| LifeShield National Insurance Company | $120/mo | $127/mo | $156/mo | $188/mo |
| AFLAC | $122/mo | $134/mo | $167/mo | $218/mo |
| American Benefit Life Insurance Company | $127/mo | $139/mo | $174/mo | $217/mo |
| Nassau Life Insurance Company | $130/mo | $139/mo | $170/mo | $204/mo |
| Aetna Health Insurance Company | $135/mo | $152/mo | $179/mo | $211/mo |
| First Health Life & Health Insurance Company | $136/mo | $160/mo | $186/mo | $209/mo |
| Washington National Insurance Company | $141/mo | $182/mo | $233/mo | $292/mo |
| HealthSpring Insurance Company | $145/mo | $160/mo | $193/mo | $235/mo |
| Everence Association Inc. | $149/mo | $179/mo | $203/mo | $221/mo |
| Humana Insurance Company | $149/mo | $160/mo | $191/mo | $233/mo |
| State Farm Mutual Automobile Insurance Company | $149/mo | $183/mo | $217/mo | $250/mo |
| Medico Life and Health Insurance Company | $161/mo | $163/mo | $173/mo | $205/mo |
| United World Life Insurance Company | $180/mo | $222/mo | $264/mo | $305/mo |
| GPM Health and Life Insurance Company | $185/mo | $204/mo | $244/mo | $282/mo |
| United American Insurance Company | $236/mo | $314/mo | $364/mo | $403/mo |
| AARP - UnitedHealthcare Insurance Company | $375/mo | $398/mo | $422/mo | $422/mo |
| AARP - UnitedHealthcare Insurance Company of America | $417/mo | $426/mo | $440/mo | $455/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect | $124/mo | $133/mo | $156/mo | $183/mo |
| Insurance Company of North America | $131/mo | $133/mo | $158/mo | $192/mo |
| Kansas Farm Bureau Health Plans | $118/mo | $141/mo | $171/mo | $200/mo |
| LifeShield National Insurance Company | $138/mo | $146/mo | $179/mo | $217/mo |
| AFLAC | $140/mo | $153/mo | $191/mo | $250/mo |
| American Benefit Life Insurance Company | $147/mo | $160/mo | $200/mo | $250/mo |
| Nassau Life Insurance Company | $149/mo | $160/mo | $196/mo | $234/mo |
| Aetna Health Insurance Company | $156/mo | $174/mo | $206/mo | $242/mo |
| First Health Life & Health Insurance Company | $146/mo | $172/mo | $200/mo | $225/mo |
| Washington National Insurance Company | $157/mo | $202/mo | $259/mo | $324/mo |
| HealthSpring Insurance Company | $162/mo | $179/mo | $216/mo | $263/mo |
| Everence Association Inc. | $164/mo | $197/mo | $223/mo | $244/mo |
| Humana Insurance Company | $170/mo | $182/mo | $218/mo | $265/mo |
| State Farm Mutual Automobile Insurance Company | $156/mo | $205/mo | $247/mo | $288/mo |
| Medico Life and Health Insurance Company | $185/mo | $187/mo | $199/mo | $236/mo |
| United World Life Insurance Company | $207/mo | $256/mo | $303/mo | $350/mo |
| GPM Health and Life Insurance Company | $212/mo | $235/mo | $281/mo | $324/mo |
| United American Insurance Company | $271/mo | $361/mo | $418/mo | $463/mo |
| AARP - UnitedHealthcare Insurance Company | $375/mo | $398/mo | $422/mo | $422/mo |
| AARP - UnitedHealthcare Insurance Company of America | $471/mo | $481/mo | $496/mo | $514/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
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 Kansas 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 Insurance Company | w / 20% HHD | $155 – $191/mo |
| w / 6% HHD | $182 – $224/mo | |
| Standard II w / 20% HHD | $232 – $286/mo | |
| Standard II w / 6% HHD | $273 – $336/mo | |
| Standard II | $290 – $358/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $167/mo |
| Level 2 | $360/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $188 – $244/mo |
| Level 2 | $496 – $640/mo | |
| Medico Life and Health Insurance Company | Preferred | $197 – $228/mo |
| Standard I | $216 – $251/mo | |
| Standard II | $246 – $285/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $173 – $214/mo |
| w / 6% HHD | $204 – $251/mo | |
| Standard II w / 20% HHD | $260 – $321/mo | |
| Standard II w / 6% HHD | $305 – $377/mo | |
| Standard II | $325 – $401/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $167/mo |
| Level 2 | $360/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $213 – $275/mo |
| Level 2 | $560 – $722/mo | |
| Medico Life and Health Insurance Company | Preferred | $226 – $263/mo |
| Standard I | $249 – $289/mo | |
| Standard II | $283 – $328/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 Kansas 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 | $237/mo |
| Level 2 | $510/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $237/mo |
| Level 2 | $510/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 Kansas 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 | $287/mo |
| Level 2 | $618/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $287/mo |
| Level 2 | $618/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 Kansas 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 Insurance Company | w / 20% HHD | $212 – $262/mo |
| w / 6% HHD | $249 – $307/mo | |
| Standard II w / 20% HHD | $318 – $392/mo | |
| Standard II w / 6% HHD | $374 – $461/mo | |
| Standard II | $398 – $490/mo | |
| Medico Life and Health Insurance Company | Preferred | $262 – $305/mo |
| Standard I | $288 – $335/mo | |
| Standard II | $328 – $381/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $288/mo |
| Level 2 | $620/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $289 – $374/mo |
| Level 2 | $668 – $861/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $238 – $293/mo |
| w / 6% HHD | $279 – $344/mo | |
| Standard II w / 20% HHD | $356 – $439/mo | |
| Standard II w / 6% HHD | $419 – $516/mo | |
| Standard II | $445 – $549/mo | |
| Medico Life and Health Insurance Company | Preferred | $302 – $350/mo |
| Standard I | $332 – $385/mo | |
| Standard II | $377 – $438/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $288/mo |
| Level 2 | $620/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $327 – $422/mo |
| Level 2 | $754 – $972/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 Kansas 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 | $79 – $91/mo |
| Standard I | $87 – $101/mo | |
| Standard II | $98 – $114/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Life and Health Insurance Company | Preferred | $90 – $105/mo |
| Standard I | $100 – $116/mo | |
| Standard II | $113 – $131/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 Kansas 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 Insurance Company | w / 20% HHD | $136 – $167/mo |
| w / 6% HHD | $160 – $197/mo | |
| Standard II w / 20% HHD | $204 – $251/mo | |
| Standard II w / 6% HHD | $239 – $295/mo | |
| Standard II | $255 – $314/mo | |
| Medico Life and Health Insurance Company | Preferred | $182 – $212/mo |
| Standard I | $201 – $233/mo | |
| Standard II | $228 – $265/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $193 – $250/mo |
| Level 2 | $631 – $813/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $231/mo |
| Level 2 | $563/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $152 – $188/mo |
| w / 6% HHD | $179 – $220/mo | |
| Standard II w / 20% HHD | $228 – $281/mo | |
| Standard II w / 6% HHD | $268 – $331/mo | |
| Standard II | $285 – $352/mo | |
| Medico Life and Health Insurance Company | Preferred | $210 – $244/mo |
| Standard I | $231 – $268/mo | |
| Standard II | $262 – $305/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $219 – $282/mo |
| Level 2 | $712 – $918/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $231/mo |
| Level 2 | $563/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 Kansas 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 Insurance Company | w / 20% HHD | $45 – $56/mo |
| w / 6% HHD | $53 – $65/mo | |
| Standard II w / 20% HHD | $68 – $84/mo | |
| Standard II w / 6% HHD | $80 – $98/mo | |
| Standard II | $85 – $104/mo | |
| Medico Life and Health Insurance Company | Preferred | $63 – $73/mo |
| Standard I | $69 – $80/mo | |
| Standard II | $79 – $91/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $51 – $62/mo |
| w / 6% HHD | $59 – $73/mo | |
| Standard II w / 20% HHD | $76 – $94/mo | |
| Standard II w / 6% HHD | $89 – $110/mo | |
| Standard II | $95 – $117/mo | |
| Medico Life and Health Insurance Company | Preferred | $72 – $84/mo |
| Standard I | $80 – $92/mo | |
| Standard II | $90 – $105/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 Kansas 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 | $93/mo |
| Level 2 | $201/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $93/mo |
| Level 2 | $201/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 Kansas 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 | $166/mo |
| Level 2 | $358/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $166/mo |
| Level 2 | $358/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 Kansas 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 Insurance Company | w / 20% HHD | $91 – $112/mo |
| w / 6% HHD | $107 – $131/mo | |
| Standard II w / 20% HHD | $136 – $168/mo | |
| Standard II w / 6% HHD | $160 – $197/mo | |
| Standard II | $170 – $210/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $130 – $169/mo |
| Level 2 | $599 – $772/mo | |
| Medico Life and Health Insurance Company | Preferred | $133 – $155/mo |
| Standard I | $147 – $170/mo | |
| Standard II | $167 – $194/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $216/mo |
| Level 2 | $534/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $102 – $125/mo |
| w / 6% HHD | $119 – $147/mo | |
| Standard II w / 20% HHD | $152 – $188/mo | |
| Standard II w / 6% HHD | $179 – $221/mo | |
| Standard II | $191 – $235/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $147 – $191/mo |
| Level 2 | $676 – $871/mo | |
| Medico Life and Health Insurance Company | Preferred | $153 – $178/mo |
| Standard I | $169 – $196/mo | |
| Standard II | $192 – $223/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $216/mo |
| Level 2 | $534/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 purchase any standardized Medicare Supplement (Medigap) plan in Kansas, you must be actively enrolled in both Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance). Think of Original Medicare as the deep roots of a native Kansas sunflower--you simply cannot grow your supplemental protection on top until that core federal foundation is firmly planted.
Yes. You are technically allowed to apply for a Medigap plan at any time of the year in Kansas. Unlike Medicare Advantage or Part D prescription plans, Medigap does not have a strict annual fall enrollment window that locks you out. However, timing does affect your rates. If you apply outside of your initial six-month Medigap Open Enrollment Period, private carriers will require medical underwriting. They can review your entire health history, charge you steeper rates, or reject your application outright due to pre-existing conditions.
No. Kansas does not currently have a state-mandated Medigap birthday rule in place. While a handful of states grant their residents an annual window around their birthday to swap insurance carriers without a health check, Kansas follows the standard federal baseline. There is no automated yellow brick road to bypass health questions down the road, meaning your initial enrollment window is the absolute safest and most crucial time to choose your long-term plan.
For the vast majority of Kansans, Medicare eligibility officially begins at age 65. Your Initial Enrollment Period is a seven-month window that opens three months before your 65th birthday month, includes the month you blow out the candles, and extends for three months afterward. However, you can cross the starting line early if you qualify via a long-term disability (after receiving Social Security Disability benefits for 24 months) or if you have specific chronic conditions like ALS or End-Stage Renal Disease (ESRD).
No. You are not legally required to buy a Medicare Part D prescription drug plan in Kansas. However, going without it is a major gamble, even if you don't have regular prescriptions. Modern Medigap policies are prohibited by federal law from covering retail pharmacy medications. If you skip Part D when you are first eligible and lack equivalent creditable drug coverage from a former employer, Medicare will attach a permanent, lifelong monthly late-enrollment penalty to your premium when you do eventually sign up.
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