Compare 2026 Medicare Supplement (Medigap) rates in Kentucky. 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 | $213/mo |
| 70 | $238/mo |
| 75 | $279/mo |
| 80 | $325/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.
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 Kentucky. 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 World Life Insurance Company Lowest | $123/mo | $134/mo | $158/mo | $184/mo |
| HealthSpring National Health Insurance Company | $127/mo | $143/mo | $168/mo | $197/mo |
| First Health Life & Health Insurance Company | $130/mo | $149/mo | $165/mo | $175/mo |
| State Farm Mutual Automobile Insurance Company | $150/mo | $189/mo | $219/mo | $246/mo |
| Wisconsin Physicians Service Insurance Corporation | $151/mo | $181/mo | $212/mo | $242/mo |
| Transamerica Life Insurance Company | $160/mo | $201/mo | $244/mo | $288/mo |
| Globe Life and Accident Insurance Company | $173/mo | $208/mo | $225/mo | $242/mo |
| AFLAC | $174/mo | $183/mo | $225/mo | $288/mo |
| Woodmen Of The World Life Insurance Society | $181/mo | $184/mo | $221/mo | $269/mo |
| Erie Family Life Insurance Company | $183/mo | $199/mo | $234/mo | $267/mo |
| Humana Insurance Company | $187/mo | $196/mo | $229/mo | $267/mo |
| Bankers Fidelity Assurance Company | $190/mo | $214/mo | $246/mo | $274/mo |
| Anthem Blue Cross Blue Shield - Kentucky | $198/mo | $237/mo | $283/mo | $315/mo |
| Medico Corp Insurance Company | $202/mo | $223/mo | $247/mo | $272/mo |
| Aetna Health and Life Insurance Company | $205/mo | $233/mo | $257/mo | $275/mo |
| Guarantee Trust Life Insurance Company | $246/mo | $261/mo | $294/mo | $340/mo |
| GPM Health and Life Insurance Company | $292/mo | $323/mo | $386/mo | $445/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United World Life Insurance Company Lowest | $141/mo | $154/mo | $182/mo | $212/mo |
| HealthSpring National Health Insurance Company | $142/mo | $160/mo | $188/mo | $221/mo |
| First Health Life & Health Insurance Company | $142/mo | $162/mo | $180/mo | $191/mo |
| State Farm Mutual Automobile Insurance Company | $163/mo | $205/mo | $237/mo | $266/mo |
| Wisconsin Physicians Service Insurance Corporation | $166/mo | $199/mo | $233/mo | $266/mo |
| Transamerica Life Insurance Company | $175/mo | $224/mo | $279/mo | $330/mo |
| Globe Life and Accident Insurance Company | $186/mo | $223/mo | $242/mo | $261/mo |
| AFLAC | $199/mo | $209/mo | $258/mo | $330/mo |
| Woodmen Of The World Life Insurance Society | $209/mo | $212/mo | $254/mo | $310/mo |
| Erie Family Life Insurance Company | $210/mo | $229/mo | $269/mo | $308/mo |
| Humana Insurance Company | $216/mo | $225/mo | $263/mo | $307/mo |
| Bankers Fidelity Assurance Company | $213/mo | $239/mo | $275/mo | $307/mo |
| Anthem Blue Cross Blue Shield - Kentucky | $208/mo | $249/mo | $297/mo | $331/mo |
| Medico Corp Insurance Company | $233/mo | $257/mo | $284/mo | $313/mo |
| Aetna Health and Life Insurance Company | $236/mo | $268/mo | $296/mo | $316/mo |
| Guarantee Trust Life Insurance Company | $275/mo | $293/mo | $332/mo | $385/mo |
| GPM Health and Life Insurance Company | $336/mo | $371/mo | $444/mo | $512/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 | $147/mo | $172/mo | $196/mo | $216/mo |
| Transamerica Life Insurance Company | $211/mo | $265/mo | $323/mo | $380/mo |
| Aetna Health and Life Insurance Company | $234/mo | $271/mo | $306/mo | $339/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $161/mo | $188/mo | $214/mo | $235/mo |
| Transamerica Life Insurance Company | $231/mo | $296/mo | $368/mo | $436/mo |
| Aetna Health and Life Insurance Company | $269/mo | $312/mo | $353/mo | $390/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 |
|---|---|---|---|---|
| Wisconsin Physicians Service Insurance Corporation Lowest | $228/mo | $273/mo | $320/mo | $365/mo |
| State Farm Mutual Automobile Insurance Company | $239/mo | $302/mo | $349/mo | $392/mo |
| Transamerica Life Insurance Company | $249/mo | $313/mo | $382/mo | $450/mo |
| Guarantee Trust Life Insurance Company | $311/mo | $331/mo | $393/mo | $491/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Wisconsin Physicians Service Insurance Corporation Lowest | $251/mo | $300/mo | $351/mo | $401/mo |
| State Farm Mutual Automobile Insurance Company | $259/mo | $327/mo | $379/mo | $425/mo |
| Transamerica Life Insurance Company | $273/mo | $350/mo | $435/mo | $516/mo |
| Guarantee Trust Life Insurance Company | $349/mo | $370/mo | $440/mo | $550/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 | $161/mo | $198/mo | $232/mo | $264/mo |
| Transamerica Life Insurance Company | $168/mo | $211/mo | $256/mo | $302/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $165/mo | $218/mo | $263/mo | $304/mo |
| Transamerica Life Insurance Company | $184/mo | $235/mo | $292/mo | $347/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 | $168/mo | $197/mo | $226/mo | $252/mo |
| HealthSpring National Health Insurance Company | $182/mo | $205/mo | $241/mo | $283/mo |
| Bankers Fidelity Assurance Company | $197/mo | $221/mo | $257/mo | $296/mo |
| AFLAC | $204/mo | $216/mo | $264/mo | $327/mo |
| Humana Insurance Company | $220/mo | $229/mo | $270/mo | $323/mo |
| Anthem Blue Cross Blue Shield - Kentucky | $221/mo | $262/mo | $311/mo | $345/mo |
| Erie Family Life Insurance Company | $231/mo | $257/mo | $297/mo | $348/mo |
| Wisconsin Physicians Service Insurance Corporation | $233/mo | $278/mo | $326/mo | $372/mo |
| Globe Life and Accident Insurance Company | $235/mo | $263/mo | $302/mo | $353/mo |
| State Farm Mutual Automobile Insurance Company | $242/mo | $305/mo | $353/mo | $396/mo |
| Woodmen Of The World Life Insurance Society | $243/mo | $243/mo | $287/mo | $346/mo |
| Medico Corp Insurance Company | $247/mo | $273/mo | $302/mo | $333/mo |
| Transamerica Life Insurance Company | $251/mo | $315/mo | $384/mo | $452/mo |
| Aetna Health and Life Insurance Company | $273/mo | $318/mo | $363/mo | $406/mo |
| United World Life Insurance Company | $294/mo | $318/mo | $369/mo | $427/mo |
| Guarantee Trust Life Insurance Company | $312/mo | $331/mo | $393/mo | $492/mo |
| GPM Health and Life Insurance Company | $388/mo | $428/mo | $513/mo | $591/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $182/mo | $214/mo | $245/mo | $273/mo |
| HealthSpring National Health Insurance Company | $204/mo | $229/mo | $270/mo | $317/mo |
| Bankers Fidelity Assurance Company | $221/mo | $247/mo | $288/mo | $331/mo |
| AFLAC | $234/mo | $247/mo | $302/mo | $374/mo |
| Humana Insurance Company | $253/mo | $263/mo | $310/mo | $372/mo |
| Anthem Blue Cross Blue Shield - Kentucky | $232/mo | $275/mo | $327/mo | $362/mo |
| Erie Family Life Insurance Company | $266/mo | $296/mo | $341/mo | $400/mo |
| Wisconsin Physicians Service Insurance Corporation | $256/mo | $306/mo | $359/mo | $409/mo |
| Globe Life and Accident Insurance Company | $252/mo | $282/mo | $324/mo | $379/mo |
| State Farm Mutual Automobile Insurance Company | $262/mo | $330/mo | $382/mo | $429/mo |
| Woodmen Of The World Life Insurance Society | $279/mo | $279/mo | $330/mo | $398/mo |
| Medico Corp Insurance Company | $284/mo | $314/mo | $347/mo | $383/mo |
| Transamerica Life Insurance Company | $275/mo | $352/mo | $438/mo | $519/mo |
| Aetna Health and Life Insurance Company | $314/mo | $366/mo | $417/mo | $467/mo |
| United World Life Insurance Company | $338/mo | $366/mo | $424/mo | $491/mo |
| Guarantee Trust Life Insurance Company | $349/mo | $371/mo | $440/mo | $551/mo |
| GPM Health and Life Insurance Company | $446/mo | $493/mo | $590/mo | $680/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 World Life Insurance Company Lowest | $47/mo | $51/mo | $59/mo | $69/mo |
| Aetna Health and Life Insurance Company | $53/mo | $61/mo | $70/mo | $78/mo |
| Medico Corp Insurance Company | $74/mo | $82/mo | $90/mo | $100/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United World Life Insurance Company Lowest | $54/mo | $59/mo | $68/mo | $79/mo |
| Aetna Health and Life Insurance Company | $61/mo | $71/mo | $81/mo | $90/mo |
| Medico Corp Insurance Company | $85/mo | $94/mo | $104/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 |
|---|---|---|---|---|
| Bankers Fidelity Assurance Company Lowest | $142/mo | $155/mo | $184/mo | $220/mo |
| HealthSpring National Health Insurance Company | $159/mo | $179/mo | $211/mo | $248/mo |
| Transamerica Life Insurance Company | $167/mo | $210/mo | $256/mo | $302/mo |
| Globe Life and Accident Insurance Company | $168/mo | $188/mo | $226/mo | $260/mo |
| Wisconsin Physicians Service Insurance Corporation | $174/mo | $207/mo | $243/mo | $277/mo |
| AFLAC | $175/mo | $184/mo | $226/mo | $289/mo |
| First Health Life & Health Insurance Company | $176/mo | $208/mo | $239/mo | $268/mo |
| State Farm Mutual Automobile Insurance Company | $180/mo | $221/mo | $260/mo | $295/mo |
| Anthem Blue Cross Blue Shield - Kentucky | $186/mo | $223/mo | $266/mo | $296/mo |
| Humana Insurance Company | $187/mo | $193/mo | $232/mo | $280/mo |
| Medico Corp Insurance Company | $188/mo | $207/mo | $229/mo | $253/mo |
| Erie Family Life Insurance Company | $189/mo | $212/mo | $249/mo | $289/mo |
| Woodmen Of The World Life Insurance Society | $201/mo | $204/mo | $244/mo | $298/mo |
| Aetna Health and Life Insurance Company | $208/mo | $244/mo | $279/mo | $314/mo |
| Guarantee Trust Life Insurance Company | $250/mo | $266/mo | $316/mo | $396/mo |
| United World Life Insurance Company | $272/mo | $296/mo | $350/mo | $407/mo |
| GPM Health and Life Insurance Company | $297/mo | $328/mo | $393/mo | $453/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Bankers Fidelity Assurance Company Lowest | $159/mo | $174/mo | $206/mo | $246/mo |
| HealthSpring National Health Insurance Company | $178/mo | $201/mo | $236/mo | $277/mo |
| Transamerica Life Insurance Company | $184/mo | $235/mo | $292/mo | $346/mo |
| Globe Life and Accident Insurance Company | $180/mo | $202/mo | $243/mo | $279/mo |
| Wisconsin Physicians Service Insurance Corporation | $191/mo | $228/mo | $267/mo | $305/mo |
| AFLAC | $200/mo | $210/mo | $259/mo | $331/mo |
| First Health Life & Health Insurance Company | $191/mo | $225/mo | $259/mo | $290/mo |
| State Farm Mutual Automobile Insurance Company | $184/mo | $244/mo | $294/mo | $340/mo |
| Anthem Blue Cross Blue Shield - Kentucky | $196/mo | $234/mo | $280/mo | $311/mo |
| Humana Insurance Company | $215/mo | $222/mo | $266/mo | $322/mo |
| Medico Corp Insurance Company | $216/mo | $238/mo | $263/mo | $290/mo |
| Erie Family Life Insurance Company | $217/mo | $244/mo | $286/mo | $332/mo |
| Woodmen Of The World Life Insurance Society | $231/mo | $234/mo | $281/mo | $342/mo |
| Aetna Health and Life Insurance Company | $240/mo | $280/mo | $320/mo | $361/mo |
| Guarantee Trust Life Insurance Company | $280/mo | $298/mo | $354/mo | $443/mo |
| United World Life Insurance Company | $313/mo | $341/mo | $403/mo | $468/mo |
| GPM Health and Life Insurance Company | $342/mo | $377/mo | $452/mo | $521/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Humana Insurance Company Lowest | $42/mo | $46/mo | $55/mo | $64/mo |
| United World Life Insurance Company | $43/mo | $47/mo | $54/mo | $63/mo |
| Globe Life and Accident Insurance Company | $49/mo | $54/mo | $62/mo | $73/mo |
| HealthSpring National Health Insurance Company | $49/mo | $56/mo | $65/mo | $77/mo |
| Woodmen Of The World Life Insurance Society | $54/mo | $56/mo | $67/mo | $83/mo |
| Medico Corp Insurance Company | $65/mo | $71/mo | $79/mo | $87/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Humana Insurance Company Lowest | $49/mo | $53/mo | $64/mo | $73/mo |
| United World Life Insurance Company | $50/mo | $54/mo | $63/mo | $73/mo |
| Globe Life and Accident Insurance Company | $52/mo | $58/mo | $67/mo | $79/mo |
| HealthSpring National Health Insurance Company | $55/mo | $62/mo | $73/mo | $86/mo |
| Woodmen Of The World Life Insurance Society | $63/mo | $65/mo | $77/mo | $95/mo |
| Medico Corp Insurance Company | $74/mo | $82/mo | $91/mo | $100/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 |
|---|---|---|---|---|
| Transamerica Life Insurance Company Lowest | $79/mo | $100/mo | $121/mo | $143/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Transamerica Life Insurance Company Lowest | $87/mo | $111/mo | $138/mo | $164/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Transamerica Life Insurance Company Lowest | $118/mo | $148/mo | $180/mo | $212/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Transamerica Life Insurance Company Lowest | $129/mo | $165/mo | $205/mo | $244/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 |
|---|---|---|---|---|
| Transamerica Life Insurance Company Lowest | $145/mo | $182/mo | $222/mo | $261/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Transamerica Life Insurance Company Lowest | $159/mo | $203/mo | $253/mo | $300/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 | $102/mo | $121/mo | $140/mo | $158/mo |
| HealthSpring National Health Insurance Company | $108/mo | $120/mo | $141/mo | $166/mo |
| AFLAC | $109/mo | $120/mo | $149/mo | $190/mo |
| Bankers Fidelity Assurance Company | $116/mo | $127/mo | $151/mo | $181/mo |
| State Farm Mutual Automobile Insurance Company | $119/mo | $145/mo | $173/mo | $199/mo |
| Humana Insurance Company | $125/mo | $129/mo | $160/mo | $198/mo |
| Erie Family Life Insurance Company | $128/mo | $142/mo | $169/mo | $197/mo |
| Medico Corp Insurance Company | $132/mo | $146/mo | $161/mo | $178/mo |
| Woodmen Of The World Life Insurance Society | $134/mo | $137/mo | $166/mo | $205/mo |
| Aetna Health and Life Insurance Company | $135/mo | $159/mo | $183/mo | $207/mo |
| Transamerica Life Insurance Company | $136/mo | $171/mo | $209/mo | $246/mo |
| Globe Life and Accident Insurance Company | $142/mo | $159/mo | $191/mo | $219/mo |
| GPM Health and Life Insurance Company | $146/mo | $162/mo | $193/mo | $223/mo |
| United World Life Insurance Company | $150/mo | $163/mo | $193/mo | $224/mo |
| Wisconsin Physicians Service Insurance Corporation | $155/mo | $186/mo | $218/mo | $248/mo |
| Guarantee Trust Life Insurance Company | $197/mo | $209/mo | $248/mo | $310/mo |
| Anthem Blue Cross Blue Shield - Kentucky | $205/mo | $245/mo | $293/mo | $326/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $110/mo | $130/mo | $151/mo | $170/mo |
| HealthSpring National Health Insurance Company | $121/mo | $134/mo | $158/mo | $185/mo |
| AFLAC | $125/mo | $137/mo | $171/mo | $218/mo |
| Bankers Fidelity Assurance Company | $130/mo | $142/mo | $169/mo | $203/mo |
| State Farm Mutual Automobile Insurance Company | $124/mo | $163/mo | $197/mo | $229/mo |
| Humana Insurance Company | $143/mo | $149/mo | $184/mo | $228/mo |
| Erie Family Life Insurance Company | $147/mo | $163/mo | $195/mo | $227/mo |
| Medico Corp Insurance Company | $152/mo | $168/mo | $186/mo | $205/mo |
| Woodmen Of The World Life Insurance Society | $154/mo | $158/mo | $191/mo | $236/mo |
| Aetna Health and Life Insurance Company | $156/mo | $183/mo | $210/mo | $238/mo |
| Transamerica Life Insurance Company | $149/mo | $191/mo | $238/mo | $282/mo |
| Globe Life and Accident Insurance Company | $152/mo | $171/mo | $205/mo | $236/mo |
| GPM Health and Life Insurance Company | $168/mo | $186/mo | $222/mo | $257/mo |
| United World Life Insurance Company | $172/mo | $187/mo | $221/mo | $257/mo |
| Wisconsin Physicians Service Insurance Corporation | $171/mo | $204/mo | $239/mo | $273/mo |
| Guarantee Trust Life Insurance Company | $220/mo | $234/mo | $278/mo | $348/mo |
| Anthem Blue Cross Blue Shield - Kentucky | $215/mo | $257/mo | $307/mo | $342/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 World Life Insurance Company | $125/mo | $136/mo | $161/mo | $186/mo |
| First Health Life & Health Insurance Company | $144/mo | $165/mo | $184/mo | $195/mo |
| State Farm Mutual Automobile Insurance Company | $153/mo | $193/mo | $223/mo | $251/mo |
| Wisconsin Physicians Service Insurance Corporation | $154/mo | $184/mo | $216/mo | $246/mo |
| Transamerica Life Insurance Company | $160/mo | $201/mo | $244/mo | $288/mo |
| Globe Life and Accident Insurance Company | $173/mo | $208/mo | $225/mo | $242/mo |
| HealthSpring National Health Insurance Company | $181/mo | $204/mo | $239/mo | $282/mo |
| AFLAC | $182/mo | $191/mo | $235/mo | $301/mo |
| Erie Family Life Insurance Company | $186/mo | $203/mo | $238/mo | $272/mo |
| Humana Insurance Company | $187/mo | $196/mo | $229/mo | $267/mo |
| Woodmen Of The World Life Insurance Society | $189/mo | $192/mo | $231/mo | $281/mo |
| Anthem Blue Cross Blue Shield - Kentucky | $198/mo | $237/mo | $283/mo | $315/mo |
| Bankers Fidelity Assurance Company | $215/mo | $242/mo | $278/mo | $310/mo |
| Aetna Health and Life Insurance Company | $220/mo | $250/mo | $277/mo | $296/mo |
| Medico Corp Insurance Company | $244/mo | $270/mo | $298/mo | $329/mo |
| Guarantee Trust Life Insurance Company | $254/mo | $269/mo | $304/mo | $351/mo |
| GPM Health and Life Insurance Company | $307/mo | $339/mo | $405/mo | $468/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United World Life Insurance Company | $143/mo | $156/mo | $185/mo | $214/mo |
| First Health Life & Health Insurance Company | $157/mo | $180/mo | $200/mo | $212/mo |
| State Farm Mutual Automobile Insurance Company | $166/mo | $209/mo | $242/mo | $272/mo |
| Wisconsin Physicians Service Insurance Corporation | $170/mo | $202/mo | $237/mo | $271/mo |
| Transamerica Life Insurance Company | $175/mo | $224/mo | $279/mo | $330/mo |
| Globe Life and Accident Insurance Company | $186/mo | $223/mo | $242/mo | $261/mo |
| HealthSpring National Health Insurance Company | $202/mo | $228/mo | $268/mo | $315/mo |
| AFLAC | $208/mo | $219/mo | $269/mo | $344/mo |
| Erie Family Life Insurance Company | $214/mo | $233/mo | $273/mo | $313/mo |
| Humana Insurance Company | $216/mo | $225/mo | $263/mo | $307/mo |
| Woodmen Of The World Life Insurance Society | $218/mo | $221/mo | $265/mo | $323/mo |
| Anthem Blue Cross Blue Shield - Kentucky | $208/mo | $249/mo | $297/mo | $331/mo |
| Bankers Fidelity Assurance Company | $241/mo | $271/mo | $311/mo | $347/mo |
| Aetna Health and Life Insurance Company | $253/mo | $288/mo | $318/mo | $340/mo |
| Medico Corp Insurance Company | $281/mo | $310/mo | $342/mo | $378/mo |
| Guarantee Trust Life Insurance Company | $284/mo | $302/mo | $343/mo | $398/mo |
| GPM Health and Life Insurance Company | $352/mo | $389/mo | $466/mo | $538/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 | $164/mo | $191/mo | $217/mo | $239/mo |
| Transamerica Life Insurance Company | $211/mo | $265/mo | $323/mo | $380/mo |
| Aetna Health and Life Insurance Company | $252/mo | $291/mo | $329/mo | $365/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $179/mo | $208/mo | $237/mo | $261/mo |
| Transamerica Life Insurance Company | $231/mo | $296/mo | $368/mo | $436/mo |
| Aetna Health and Life Insurance Company | $290/mo | $335/mo | $379/mo | $420/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 |
|---|---|---|---|---|
| Wisconsin Physicians Service Insurance Corporation | $233/mo | $278/mo | $325/mo | $371/mo |
| State Farm Mutual Automobile Insurance Company | $244/mo | $308/mo | $356/mo | $400/mo |
| Transamerica Life Insurance Company | $249/mo | $313/mo | $382/mo | $450/mo |
| Guarantee Trust Life Insurance Company | $321/mo | $341/mo | $406/mo | $508/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Wisconsin Physicians Service Insurance Corporation | $256/mo | $305/mo | $358/mo | $408/mo |
| State Farm Mutual Automobile Insurance Company | $264/mo | $333/mo | $386/mo | $434/mo |
| Transamerica Life Insurance Company | $273/mo | $350/mo | $435/mo | $516/mo |
| Guarantee Trust Life Insurance Company | $360/mo | $382/mo | $455/mo | $569/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 | $164/mo | $201/mo | $237/mo | $270/mo |
| Transamerica Life Insurance Company | $168/mo | $211/mo | $256/mo | $302/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $168/mo | $222/mo | $268/mo | $310/mo |
| Transamerica Life Insurance Company | $184/mo | $235/mo | $292/mo | $347/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 | $187/mo | $219/mo | $251/mo | $279/mo |
| AFLAC | $213/mo | $225/mo | $276/mo | $341/mo |
| Humana Insurance Company | $220/mo | $229/mo | $270/mo | $323/mo |
| Bankers Fidelity Assurance Company | $223/mo | $250/mo | $291/mo | $334/mo |
| Erie Family Life Insurance Company | $235/mo | $261/mo | $302/mo | $354/mo |
| Globe Life and Accident Insurance Company | $235/mo | $263/mo | $302/mo | $353/mo |
| Wisconsin Physicians Service Insurance Corporation | $237/mo | $283/mo | $332/mo | $379/mo |
| Anthem Blue Cross Blue Shield - Kentucky | $239/mo | $285/mo | $339/mo | $377/mo |
| State Farm Mutual Automobile Insurance Company | $247/mo | $311/mo | $360/mo | $404/mo |
| Transamerica Life Insurance Company | $251/mo | $315/mo | $384/mo | $452/mo |
| Woodmen Of The World Life Insurance Society | $253/mo | $253/mo | $299/mo | $362/mo |
| HealthSpring National Health Insurance Company | $259/mo | $292/mo | $344/mo | $404/mo |
| Aetna Health and Life Insurance Company | $294/mo | $342/mo | $390/mo | $436/mo |
| United World Life Insurance Company | $298/mo | $323/mo | $374/mo | $433/mo |
| Medico Corp Insurance Company | $299/mo | $330/mo | $364/mo | $402/mo |
| Guarantee Trust Life Insurance Company | $322/mo | $342/mo | $406/mo | $508/mo |
| GPM Health and Life Insurance Company | $407/mo | $450/mo | $538/mo | $621/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $202/mo | $237/mo | $272/mo | $303/mo |
| AFLAC | $245/mo | $258/mo | $316/mo | $391/mo |
| Humana Insurance Company | $253/mo | $263/mo | $310/mo | $372/mo |
| Bankers Fidelity Assurance Company | $250/mo | $279/mo | $325/mo | $374/mo |
| Erie Family Life Insurance Company | $270/mo | $301/mo | $347/mo | $407/mo |
| Globe Life and Accident Insurance Company | $252/mo | $282/mo | $324/mo | $379/mo |
| Wisconsin Physicians Service Insurance Corporation | $261/mo | $311/mo | $365/mo | $416/mo |
| Anthem Blue Cross Blue Shield - Kentucky | $251/mo | $299/mo | $356/mo | $396/mo |
| State Farm Mutual Automobile Insurance Company | $267/mo | $337/mo | $390/mo | $438/mo |
| Transamerica Life Insurance Company | $275/mo | $352/mo | $438/mo | $519/mo |
| Woodmen Of The World Life Insurance Society | $291/mo | $291/mo | $344/mo | $416/mo |
| HealthSpring National Health Insurance Company | $291/mo | $327/mo | $385/mo | $453/mo |
| Aetna Health and Life Insurance Company | $338/mo | $394/mo | $448/mo | $502/mo |
| United World Life Insurance Company | $342/mo | $371/mo | $430/mo | $498/mo |
| Medico Corp Insurance Company | $343/mo | $379/mo | $418/mo | $462/mo |
| Guarantee Trust Life Insurance Company | $360/mo | $383/mo | $455/mo | $569/mo |
| GPM Health and Life Insurance Company | $468/mo | $517/mo | $619/mo | $714/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 World Life Insurance Company | $48/mo | $52/mo | $60/mo | $70/mo |
| Aetna Health and Life Insurance Company | $57/mo | $66/mo | $75/mo | $84/mo |
| Medico Corp Insurance Company | $90/mo | $99/mo | $109/mo | $121/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United World Life Insurance Company | $55/mo | $60/mo | $69/mo | $80/mo |
| Aetna Health and Life Insurance Company | $65/mo | $76/mo | $87/mo | $97/mo |
| Medico Corp Insurance Company | $103/mo | $114/mo | $126/mo | $139/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Bankers Fidelity Assurance Company | $160/mo | $175/mo | $208/mo | $249/mo |
| Transamerica Life Insurance Company | $167/mo | $210/mo | $256/mo | $302/mo |
| Globe Life and Accident Insurance Company | $168/mo | $188/mo | $226/mo | $260/mo |
| Wisconsin Physicians Service Insurance Corporation | $177/mo | $211/mo | $247/mo | $282/mo |
| AFLAC | $182/mo | $192/mo | $236/mo | $302/mo |
| State Farm Mutual Automobile Insurance Company | $184/mo | $225/mo | $265/mo | $301/mo |
| Anthem Blue Cross Blue Shield - Kentucky | $186/mo | $223/mo | $266/mo | $296/mo |
| Humana Insurance Company | $187/mo | $193/mo | $232/mo | $280/mo |
| Erie Family Life Insurance Company | $192/mo | $215/mo | $253/mo | $294/mo |
| First Health Life & Health Insurance Company | $196/mo | $230/mo | $265/mo | $297/mo |
| Woodmen Of The World Life Insurance Society | $210/mo | $213/mo | $255/mo | $311/mo |
| Aetna Health and Life Insurance Company | $224/mo | $262/mo | $300/mo | $337/mo |
| Medico Corp Insurance Company | $226/mo | $250/mo | $276/mo | $305/mo |
| HealthSpring National Health Insurance Company | $227/mo | $256/mo | $301/mo | $354/mo |
| Guarantee Trust Life Insurance Company | $259/mo | $275/mo | $327/mo | $409/mo |
| United World Life Insurance Company | $275/mo | $300/mo | $355/mo | $412/mo |
| GPM Health and Life Insurance Company | $312/mo | $344/mo | $412/mo | $476/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Bankers Fidelity Assurance Company | $180/mo | $196/mo | $233/mo | $279/mo |
| Transamerica Life Insurance Company | $184/mo | $235/mo | $292/mo | $346/mo |
| Globe Life and Accident Insurance Company | $180/mo | $202/mo | $243/mo | $279/mo |
| Wisconsin Physicians Service Insurance Corporation | $194/mo | $232/mo | $272/mo | $310/mo |
| AFLAC | $209/mo | $220/mo | $270/mo | $346/mo |
| State Farm Mutual Automobile Insurance Company | $188/mo | $249/mo | $300/mo | $346/mo |
| Anthem Blue Cross Blue Shield - Kentucky | $196/mo | $234/mo | $280/mo | $311/mo |
| Humana Insurance Company | $215/mo | $222/mo | $266/mo | $322/mo |
| Erie Family Life Insurance Company | $221/mo | $248/mo | $291/mo | $338/mo |
| First Health Life & Health Insurance Company | $212/mo | $249/mo | $288/mo | $322/mo |
| Woodmen Of The World Life Insurance Society | $241/mo | $244/mo | $293/mo | $358/mo |
| Aetna Health and Life Insurance Company | $258/mo | $301/mo | $344/mo | $388/mo |
| Medico Corp Insurance Company | $260/mo | $288/mo | $317/mo | $351/mo |
| HealthSpring National Health Insurance Company | $254/mo | $286/mo | $337/mo | $396/mo |
| Guarantee Trust Life Insurance Company | $290/mo | $308/mo | $366/mo | $458/mo |
| United World Life Insurance Company | $317/mo | $345/mo | $408/mo | $474/mo |
| GPM Health and Life Insurance Company | $359/mo | $396/mo | $474/mo | $547/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Humana Insurance Company | $42/mo | $46/mo | $55/mo | $64/mo |
| United World Life Insurance Company | $44/mo | $48/mo | $55/mo | $64/mo |
| Globe Life and Accident Insurance Company | $49/mo | $54/mo | $62/mo | $73/mo |
| Woodmen Of The World Life Insurance Society | $57/mo | $59/mo | $70/mo | $86/mo |
| HealthSpring National Health Insurance Company | $70/mo | $79/mo | $93/mo | $110/mo |
| Medico Corp Insurance Company | $78/mo | $86/mo | $95/mo | $105/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Humana Insurance Company | $49/mo | $53/mo | $64/mo | $73/mo |
| United World Life Insurance Company | $50/mo | $55/mo | $63/mo | $74/mo |
| Globe Life and Accident Insurance Company | $52/mo | $58/mo | $67/mo | $79/mo |
| Woodmen Of The World Life Insurance Society | $65/mo | $68/mo | $81/mo | $99/mo |
| HealthSpring National Health Insurance Company | $79/mo | $89/mo | $104/mo | $123/mo |
| Medico Corp Insurance Company | $90/mo | $99/mo | $110/mo | $121/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 |
|---|---|---|---|---|
| Transamerica Life Insurance Company | $79/mo | $100/mo | $121/mo | $143/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Transamerica Life Insurance Company | $87/mo | $111/mo | $138/mo | $164/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Transamerica Life Insurance Company | $118/mo | $148/mo | $180/mo | $212/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Transamerica Life Insurance Company | $129/mo | $165/mo | $205/mo | $244/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 |
|---|---|---|---|---|
| Transamerica Life Insurance Company | $145/mo | $182/mo | $222/mo | $261/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Transamerica Life Insurance Company | $159/mo | $203/mo | $253/mo | $300/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 | $113/mo | $134/mo | $155/mo | $175/mo |
| AFLAC | $114/mo | $125/mo | $156/mo | $198/mo |
| State Farm Mutual Automobile Insurance Company | $121/mo | $148/mo | $176/mo | $203/mo |
| Humana Insurance Company | $125/mo | $129/mo | $160/mo | $198/mo |
| Erie Family Life Insurance Company | $130/mo | $144/mo | $172/mo | $201/mo |
| Bankers Fidelity Assurance Company | $131/mo | $143/mo | $170/mo | $205/mo |
| Transamerica Life Insurance Company | $136/mo | $171/mo | $209/mo | $246/mo |
| Woodmen Of The World Life Insurance Society | $140/mo | $143/mo | $173/mo | $215/mo |
| Globe Life and Accident Insurance Company | $142/mo | $159/mo | $191/mo | $219/mo |
| Aetna Health and Life Insurance Company | $146/mo | $171/mo | $196/mo | $222/mo |
| United World Life Insurance Company | $152/mo | $165/mo | $195/mo | $227/mo |
| GPM Health and Life Insurance Company | $153/mo | $170/mo | $203/mo | $234/mo |
| HealthSpring National Health Insurance Company | $154/mo | $171/mo | $201/mo | $236/mo |
| Wisconsin Physicians Service Insurance Corporation | $158/mo | $189/mo | $222/mo | $253/mo |
| Medico Corp Insurance Company | $160/mo | $177/mo | $195/mo | $215/mo |
| Guarantee Trust Life Insurance Company | $203/mo | $216/mo | $256/mo | $321/mo |
| Anthem Blue Cross Blue Shield - Kentucky | $205/mo | $245/mo | $293/mo | $326/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $122/mo | $145/mo | $167/mo | $189/mo |
| AFLAC | $131/mo | $143/mo | $179/mo | $227/mo |
| State Farm Mutual Automobile Insurance Company | $156/mo | $196/mo | $234/mo | $268/mo |
| Humana Insurance Company | $143/mo | $149/mo | $184/mo | $228/mo |
| Erie Family Life Insurance Company | $150/mo | $166/mo | $198/mo | $231/mo |
| Bankers Fidelity Assurance Company | $147/mo | $160/mo | $191/mo | $229/mo |
| Transamerica Life Insurance Company | $149/mo | $191/mo | $238/mo | $282/mo |
| Woodmen Of The World Life Insurance Society | $161/mo | $165/mo | $200/mo | $247/mo |
| Globe Life and Accident Insurance Company | $152/mo | $171/mo | $205/mo | $236/mo |
| Aetna Health and Life Insurance Company | $168/mo | $197/mo | $226/mo | $256/mo |
| United World Life Insurance Company | $174/mo | $190/mo | $224/mo | $261/mo |
| GPM Health and Life Insurance Company | $176/mo | $195/mo | $234/mo | $269/mo |
| HealthSpring National Health Insurance Company | $172/mo | $191/mo | $225/mo | $265/mo |
| Wisconsin Physicians Service Insurance Corporation | $174/mo | $208/mo | $244/mo | $278/mo |
| Medico Corp Insurance Company | $184/mo | $203/mo | $224/mo | $247/mo |
| Guarantee Trust Life Insurance Company | $227/mo | $241/mo | $287/mo | $359/mo |
| Anthem Blue Cross Blue Shield - Kentucky | $215/mo | $257/mo | $307/mo | $342/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 Kentucky 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 | $127/mo |
| w / 6% HHD | $149/mo | |
| Standard II w / 20% HHD | $190/mo | |
| Standard II w / 6% HHD | $223/mo | |
| Standard II | $238/mo | |
| Bankers Fidelity Assurance Company | Preferred | $190 – $201/mo |
| Standard | $228 – $241/mo | |
| Medico Corp Insurance Company | Standard I | $222 – $258/mo |
| Standard II | $253 – $294/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $142/mo |
| w / 6% HHD | $167/mo | |
| Standard II w / 20% HHD | $213/mo | |
| Standard II w / 6% HHD | $250/mo | |
| Standard II | $266/mo | |
| Bankers Fidelity Assurance Company | Preferred | $213 – $225/mo |
| Standard | $255 – $269/mo | |
| Medico Corp Insurance Company | Standard I | $256 – $297/mo |
| Standard II | $291 – $338/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 Kentucky 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 | $182/mo |
| w / 6% HHD | $214/mo | |
| Standard II w / 20% HHD | $273/mo | |
| Standard II w / 6% HHD | $320/mo | |
| Standard II | $341/mo | |
| Bankers Fidelity Assurance Company | Preferred | $197 – $208/mo |
| Standard | $237 – $250/mo | |
| Medico Corp Insurance Company | Standard I | $272 – $316/mo |
| Standard II | $309 – $359/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $204/mo |
| w / 6% HHD | $239/mo | |
| Standard II w / 20% HHD | $305/mo | |
| Standard II w / 6% HHD | $359/mo | |
| Standard II | $382/mo | |
| Bankers Fidelity Assurance Company | Preferred | $221 – $233/mo |
| Standard | $265 – $280/mo | |
| Medico Corp Insurance Company | Standard I | $313 – $363/mo |
| Standard II | $356 – $413/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 Kentucky 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 Corp Insurance Company | Standard I | $82 – $95/mo |
| Standard II | $93 – $108/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Corp Insurance Company | Standard I | $94 – $109/mo |
| Standard II | $107 – $124/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 Kentucky 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 | $142 – $150/mo |
| Standard | $170 – $180/mo | |
| HealthSpring National Health Insurance Company | w / 20% HHD | $159/mo |
| w / 6% HHD | $187/mo | |
| Standard II w / 20% HHD | $239/mo | |
| Standard II w / 6% HHD | $280/mo | |
| Standard II | $298/mo | |
| Medico Corp Insurance Company | Standard I | $206 – $240/mo |
| Standard II | $235 – $272/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $159 – $168/mo |
| Standard | $191 – $201/mo | |
| HealthSpring National Health Insurance Company | w / 20% HHD | $178/mo |
| w / 6% HHD | $209/mo | |
| Standard II w / 20% HHD | $267/mo | |
| Standard II w / 6% HHD | $314/mo | |
| Standard II | $334/mo | |
| Medico Corp Insurance Company | Standard I | $237 – $276/mo |
| Standard II | $270 – $313/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 Kentucky 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 | $49/mo |
| w / 6% HHD | $58/mo | |
| Standard II w / 20% HHD | $74/mo | |
| Standard II w / 6% HHD | $87/mo | |
| Standard II | $92/mo | |
| Medico Corp Insurance Company | Standard I | $71 – $83/mo |
| Standard II | $81 – $94/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $55/mo |
| w / 6% HHD | $65/mo | |
| Standard II w / 20% HHD | $83/mo | |
| Standard II w / 6% HHD | $97/mo | |
| Standard II | $104/mo | |
| Medico Corp Insurance Company | Standard I | $82 – $95/mo |
| Standard II | $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 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 Kentucky 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 | $108/mo |
| w / 6% HHD | $127/mo | |
| Standard II w / 20% HHD | $162/mo | |
| Standard II w / 6% HHD | $190/mo | |
| Standard II | $202/mo | |
| Bankers Fidelity Assurance Company | Preferred | $116 – $123/mo |
| Standard | $140 – $147/mo | |
| Medico Corp Insurance Company | Standard I | $146 – $169/mo |
| Standard II | $166 – $192/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $121/mo |
| w / 6% HHD | $142/mo | |
| Standard II w / 20% HHD | $181/mo | |
| Standard II w / 6% HHD | $213/mo | |
| Standard II | $227/mo | |
| Bankers Fidelity Assurance Company | Preferred | $130 – $137/mo |
| Standard | $156 – $165/mo | |
| Medico Corp Insurance Company | Standard I | $168 – $195/mo |
| Standard II | $190 – $221/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.
No. You are not legally forced to buy a Medicare Part D prescription drug plan in Kentucky. However, skipping out on it is rarely a winning bet at Churchill Downs. Standard Medigap policies do not pay for your retail medications. If you do not sign up for a standalone Part D plan (or have creditable drug coverage from a former employer or union) when you first become eligible, Medicare will hit you with a permanent monthly late-enrollment penalty that attaches to your premium for life when you do eventually sign up.
Yes. Effective January 1, 2024, Kentucky established a state-mandated birthday rule to give residents more financial freedom. If you already have an active Medigap policy, you get a 60-day guaranteed-issue window that begins on your birthday each year. During this time, you can shop around and switch to the exact same plan letter (such as moving from Plan G with one company to Plan G with another) to chase a cheaper premium. The new insurance company cannot ask you health questions or deny you coverage, making the transition as smooth as a fine Kentucky bourbon.
Medicare standardly starts at age 65 for the vast majority of beneficiaries. Your initial opportunity to sign up opens three months before your 65th birthday month, includes your birth month, and extends for three months after. However, your journey can cross the starting gate early if you qualify via a long-term disability (after receiving Social Security Disability benefits for 24 months) or if you have specific conditions like ALS or End-Stage Renal Disease (ESRD).
Yes. You are technically allowed to submit an application for a Medigap plan at any time of the year in Kentucky; there is no locked fall enrollment season for these policies like there is for Medicare Advantage. However, timing dictates your price and approval. If you apply outside of your initial 6-month Medigap Open Enrollment Period or a protected window like the state's annual birthday rule, private insurance carriers will put you through medical underwriting. They can look at your complete health history, charge you significantly higher premiums, or deny you coverage entirely based on pre-existing conditions.
Yes. To buy a Medicare Supplement (Medigap) plan anywhere from Louisville to the rolling hills of horse country, you must be actively enrolled in both Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance). Think of Original Medicare as your foundational biscuit and a Medigap plan as the gravy--you cannot layer on a supplemental policy to cover your out-of-pocket deductibles and coinsurance until the baseline federal coverage is fully active.
Have more questions? Browse our complete FAQ library or call 1 (855) 665-9200
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PLEASE NOTE: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.
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