Compare 2026 Medicare Supplement (Medigap) rates in Louisiana. 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 | $217/mo |
| 70 | $233/mo |
| 75 | $272/mo |
| 80 | $311/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 Louisiana. 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 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $117/mo | $129/mo | $158/mo | $187/mo |
| United American Insurance Company | $118/mo | $144/mo | $151/mo | $151/mo |
| Philadelphia American Life Insurance Company | $128/mo | $145/mo | $174/mo | $200/mo |
| Blue Cross Blue Shield of Louisiana | $130/mo | $153/mo | $172/mo | $179/mo |
| Wisconsin Physicians Service Insurance Corporation | $147/mo | $176/mo | $206/mo | $235/mo |
| First Health Life & Health Insurance Company | $151/mo | $173/mo | $192/mo | $203/mo |
| Humana Insurance Company | $155/mo | $173/mo | $207/mo | $252/mo |
| Aetna Health Insurance Company | $158/mo | $167/mo | $196/mo | $231/mo |
| Medico Insurance Company | $158/mo | $162/mo | $188/mo | $228/mo |
| AFLAC | $187/mo | $205/mo | $242/mo | $277/mo |
| Woodmen Of The World Life Insurance Society | $191/mo | $193/mo | $232/mo | $291/mo |
| Bankers Fidelity Assurance Company | $195/mo | $240/mo | $287/mo | $322/mo |
| State Farm Mutual Automobile Insurance Company | $210/mo | $264/mo | $307/mo | $345/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company | $132/mo | $145/mo | $178/mo | $211/mo |
| United American Insurance Company | $135/mo | $166/mo | $173/mo | $173/mo |
| Philadelphia American Life Insurance Company | $141/mo | $159/mo | $191/mo | $220/mo |
| Blue Cross Blue Shield of Louisiana Lowest | $130/mo | $153/mo | $172/mo | $179/mo |
| Wisconsin Physicians Service Insurance Corporation | $162/mo | $193/mo | $227/mo | $258/mo |
| First Health Life & Health Insurance Company | $165/mo | $189/mo | $210/mo | $223/mo |
| Humana Insurance Company | $173/mo | $193/mo | $231/mo | $281/mo |
| Aetna Health Insurance Company | $181/mo | $192/mo | $226/mo | $266/mo |
| Medico Insurance Company | $177/mo | $182/mo | $211/mo | $256/mo |
| AFLAC | $215/mo | $236/mo | $278/mo | $319/mo |
| Woodmen Of The World Life Insurance Society | $219/mo | $222/mo | $267/mo | $335/mo |
| Bankers Fidelity Assurance Company | $219/mo | $269/mo | $321/mo | $361/mo |
| State Farm Mutual Automobile Insurance Company | $227/mo | $287/mo | $333/mo | $373/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 | $173/mo | $202/mo | $230/mo | $254/mo |
| AARP - UnitedHealthcare Insurance Company | $181/mo | $199/mo | $244/mo | $289/mo |
| Blue Cross Blue Shield of Louisiana | $186/mo | $220/mo | $250/mo | $262/mo |
| United American Insurance Company | $191/mo | $239/mo | $259/mo | $260/mo |
| Aetna Health Insurance Company | $196/mo | $208/mo | $245/mo | $288/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $189/mo | $220/mo | $251/mo | $276/mo |
| AARP - UnitedHealthcare Insurance Company | $204/mo | $225/mo | $276/mo | $326/mo |
| Blue Cross Blue Shield of Louisiana Lowest | $186/mo | $220/mo | $250/mo | $262/mo |
| United American Insurance Company | $219/mo | $275/mo | $298/mo | $298/mo |
| Aetna Health Insurance Company | $226/mo | $240/mo | $282/mo | $332/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 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company Lowest | $153/mo | $159/mo | $187/mo | $224/mo |
| Wisconsin Physicians Service Insurance Corporation | $211/mo | $252/mo | $295/mo | $337/mo |
| AARP - UnitedHealthcare Insurance Company | $227/mo | $250/mo | $306/mo | $362/mo |
| United American Insurance Company | $295/mo | $372/mo | $416/mo | $445/mo |
| State Farm Mutual Automobile Insurance Company | $304/mo | $382/mo | $443/mo | $498/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company Lowest | $173/mo | $180/mo | $211/mo | $253/mo |
| Wisconsin Physicians Service Insurance Corporation | $232/mo | $277/mo | $325/mo | $370/mo |
| AARP - UnitedHealthcare Insurance Company | $256/mo | $282/mo | $345/mo | $409/mo |
| United American Insurance Company | $339/mo | $428/mo | $478/mo | $512/mo |
| State Farm Mutual Automobile Insurance Company | $329/mo | $415/mo | $480/mo | $540/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 | $180/mo | $221/mo | $260/mo | $295/mo |
| United American Insurance Company | $264/mo | $339/mo | $381/mo | $409/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $184/mo | $243/mo | $294/mo | $339/mo |
| United American Insurance Company | $304/mo | $390/mo | $438/mo | $470/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 |
|---|---|---|---|---|
| AFLAC Lowest | $186/mo | $201/mo | $248/mo | $307/mo |
| Medico Insurance Company | $186/mo | $190/mo | $222/mo | $277/mo |
| First Health Life & Health Insurance Company | $206/mo | $241/mo | $277/mo | $308/mo |
| Woodmen Of The World Life Insurance Society | $214/mo | $214/mo | $253/mo | $306/mo |
| Wisconsin Physicians Service Insurance Corporation | $216/mo | $257/mo | $302/mo | $344/mo |
| AARP - UnitedHealthcare Insurance Company | $228/mo | $250/mo | $307/mo | $363/mo |
| State Farm Mutual Automobile Insurance Company | $228/mo | $288/mo | $333/mo | $374/mo |
| Philadelphia American Life Insurance Company | $230/mo | $254/mo | $305/mo | $349/mo |
| United American Insurance Company | $244/mo | $308/mo | $344/mo | $368/mo |
| Aetna Health Insurance Company | $246/mo | $261/mo | $307/mo | $362/mo |
| Bankers Fidelity Assurance Company | $249/mo | $304/mo | $366/mo | $425/mo |
| Blue Cross Blue Shield of Louisiana | $254/mo | $301/mo | $344/mo | $360/mo |
| Humana Insurance Company | $260/mo | $270/mo | $318/mo | $381/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AFLAC | $214/mo | $231/mo | $285/mo | $353/mo |
| Medico Insurance Company Lowest | $209/mo | $214/mo | $250/mo | $311/mo |
| First Health Life & Health Insurance Company | $223/mo | $262/mo | $300/mo | $334/mo |
| Woodmen Of The World Life Insurance Society | $246/mo | $246/mo | $291/mo | $351/mo |
| Wisconsin Physicians Service Insurance Corporation | $237/mo | $283/mo | $332/mo | $378/mo |
| AARP - UnitedHealthcare Insurance Company | $257/mo | $282/mo | $346/mo | $410/mo |
| State Farm Mutual Automobile Insurance Company | $247/mo | $312/mo | $361/mo | $406/mo |
| Philadelphia American Life Insurance Company | $253/mo | $279/mo | $336/mo | $383/mo |
| United American Insurance Company | $281/mo | $354/mo | $395/mo | $423/mo |
| Aetna Health Insurance Company | $283/mo | $300/mo | $353/mo | $416/mo |
| Bankers Fidelity Assurance Company | $279/mo | $341/mo | $410/mo | $475/mo |
| Blue Cross Blue Shield of Louisiana | $254/mo | $301/mo | $344/mo | $360/mo |
| Humana Insurance Company | $292/mo | $310/mo | $366/mo | $438/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 | $37/mo | $48/mo | $59/mo | $69/mo |
| Philadelphia American Life Insurance Company | $44/mo | $50/mo | $59/mo | $72/mo |
| Humana Insurance Company | $45/mo | $50/mo | $60/mo | $73/mo |
| United American Insurance Company | $45/mo | $59/mo | $73/mo | $86/mo |
| Medico Insurance Company | $55/mo | $56/mo | $66/mo | $87/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Bankers Fidelity Assurance Company Lowest | $41/mo | $54/mo | $66/mo | $78/mo |
| Philadelphia American Life Insurance Company | $48/mo | $55/mo | $65/mo | $83/mo |
| Humana Insurance Company | $50/mo | $56/mo | $67/mo | $81/mo |
| United American Insurance Company | $51/mo | $68/mo | $84/mo | $99/mo |
| Medico Insurance Company | $62/mo | $63/mo | $74/mo | $98/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Bankers Fidelity Assurance Company Lowest | $118/mo | $124/mo | $148/mo | $175/mo |
| Medico Insurance Company | $137/mo | $141/mo | $168/mo | $212/mo |
| Philadelphia American Life Insurance Company | $152/mo | $161/mo | $192/mo | $222/mo |
| AFLAC | $156/mo | $165/mo | $200/mo | $261/mo |
| Wisconsin Physicians Service Insurance Corporation | $173/mo | $207/mo | $243/mo | $277/mo |
| AARP - UnitedHealthcare Insurance Company | $176/mo | $194/mo | $238/mo | $281/mo |
| Woodmen Of The World Life Insurance Society | $177/mo | $180/mo | $216/mo | $271/mo |
| State Farm Mutual Automobile Insurance Company | $181/mo | $221/mo | $260/mo | $296/mo |
| Blue Cross Blue Shield of Louisiana | $184/mo | $219/mo | $250/mo | $261/mo |
| First Health Life & Health Insurance Company | $187/mo | $220/mo | $253/mo | $284/mo |
| Aetna Health Insurance Company | $216/mo | $230/mo | $270/mo | $318/mo |
| Humana Insurance Company | $219/mo | $228/mo | $273/mo | $330/mo |
| United American Insurance Company | $252/mo | $322/mo | $362/mo | $389/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Bankers Fidelity Assurance Company Lowest | $133/mo | $140/mo | $166/mo | $197/mo |
| Medico Insurance Company | $154/mo | $159/mo | $189/mo | $238/mo |
| Philadelphia American Life Insurance Company | $167/mo | $178/mo | $211/mo | $245/mo |
| AFLAC | $179/mo | $190/mo | $230/mo | $300/mo |
| Wisconsin Physicians Service Insurance Corporation | $191/mo | $228/mo | $267/mo | $304/mo |
| AARP - UnitedHealthcare Insurance Company | $199/mo | $219/mo | $268/mo | $318/mo |
| Woodmen Of The World Life Insurance Society | $204/mo | $207/mo | $248/mo | $312/mo |
| State Farm Mutual Automobile Insurance Company | $184/mo | $244/mo | $294/mo | $340/mo |
| Blue Cross Blue Shield of Louisiana | $184/mo | $219/mo | $250/mo | $261/mo |
| First Health Life & Health Insurance Company | $202/mo | $238/mo | $274/mo | $307/mo |
| Aetna Health Insurance Company | $249/mo | $264/mo | $310/mo | $366/mo |
| Humana Insurance Company | $244/mo | $262/mo | $314/mo | $380/mo |
| United American Insurance Company | $289/mo | $371/mo | $416/mo | $447/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 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company Lowest | $35/mo | $41/mo | $48/mo | $58/mo |
| Bankers Fidelity Assurance Company | $37/mo | $39/mo | $46/mo | $54/mo |
| Aetna Health Insurance Company | $42/mo | $44/mo | $52/mo | $61/mo |
| Humana Insurance Company | $46/mo | $50/mo | $60/mo | $69/mo |
| United American Insurance Company | $49/mo | $65/mo | $79/mo | $94/mo |
| Medico Insurance Company | $51/mo | $52/mo | $61/mo | $76/mo |
| Woodmen Of The World Life Insurance Society | $53/mo | $55/mo | $65/mo | $80/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company Lowest | $39/mo | $45/mo | $53/mo | $64/mo |
| Bankers Fidelity Assurance Company | $41/mo | $43/mo | $51/mo | $61/mo |
| Aetna Health Insurance Company | $48/mo | $51/mo | $60/mo | $70/mo |
| Humana Insurance Company | $53/mo | $58/mo | $69/mo | $80/mo |
| United American Insurance Company | $56/mo | $74/mo | $91/mo | $108/mo |
| Medico Insurance Company | $57/mo | $59/mo | $68/mo | $90/mo |
| Woodmen Of The World Life Insurance Society | $61/mo | $63/mo | $75/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 | $77/mo | $84/mo | $104/mo | $123/mo |
| United American Insurance Company | $111/mo | $148/mo | $164/mo | $171/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $87/mo | $95/mo | $117/mo | $139/mo |
| United American Insurance Company | $128/mo | $170/mo | $188/mo | $197/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 | $126/mo | $139/mo | $171/mo | $202/mo |
| United American Insurance Company | $156/mo | $207/mo | $230/mo | $240/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $143/mo | $157/mo | $193/mo | $228/mo |
| United American Insurance Company | $179/mo | $238/mo | $264/mo | $276/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 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company Lowest | $92/mo | $96/mo | $101/mo | $121/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company Lowest | $92/mo | $97/mo | $114/mo | $136/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 | $91/mo | $96/mo | $114/mo | $135/mo |
| Philadelphia American Life Insurance Company | $100/mo | $106/mo | $124/mo | $148/mo |
| Medico Insurance Company | $104/mo | $109/mo | $132/mo | $168/mo |
| First Health Life & Health Insurance Company | $105/mo | $124/mo | $144/mo | $162/mo |
| AFLAC | $110/mo | $120/mo | $150/mo | $196/mo |
| Woodmen Of The World Life Insurance Society | $118/mo | $121/mo | $146/mo | $181/mo |
| State Farm Mutual Automobile Insurance Company | $137/mo | $167/mo | $199/mo | $229/mo |
| Blue Cross Blue Shield of Louisiana | $143/mo | $169/mo | $194/mo | $203/mo |
| Aetna Health Insurance Company | $145/mo | $163/mo | $192/mo | $226/mo |
| Humana Insurance Company | $151/mo | $156/mo | $193/mo | $239/mo |
| AARP - UnitedHealthcare Insurance Company | $152/mo | $167/mo | $205/mo | $243/mo |
| Wisconsin Physicians Service Insurance Corporation | $157/mo | $188/mo | $220/mo | $251/mo |
| United American Insurance Company | $312/mo | $403/mo | $456/mo | $496/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Bankers Fidelity Assurance Company Lowest | $102/mo | $107/mo | $128/mo | $151/mo |
| Philadelphia American Life Insurance Company | $114/mo | $119/mo | $140/mo | $167/mo |
| Medico Insurance Company | $117/mo | $122/mo | $148/mo | $189/mo |
| First Health Life & Health Insurance Company | $113/mo | $134/mo | $155/mo | $175/mo |
| AFLAC | $126/mo | $138/mo | $173/mo | $226/mo |
| Woodmen Of The World Life Insurance Society | $136/mo | $139/mo | $168/mo | $208/mo |
| State Farm Mutual Automobile Insurance Company | $143/mo | $187/mo | $227/mo | $264/mo |
| Blue Cross Blue Shield of Louisiana | $143/mo | $169/mo | $194/mo | $203/mo |
| Aetna Health Insurance Company | $167/mo | $187/mo | $221/mo | $260/mo |
| Humana Insurance Company | $173/mo | $180/mo | $222/mo | $275/mo |
| AARP - UnitedHealthcare Insurance Company | $171/mo | $188/mo | $231/mo | $274/mo |
| Wisconsin Physicians Service Insurance Corporation | $173/mo | $207/mo | $242/mo | $276/mo |
| United American Insurance Company | $359/mo | $463/mo | $524/mo | $571/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 | $144/mo | $151/mo | $151/mo |
| Blue Cross Blue Shield of Louisiana | $137/mo | $161/mo | $181/mo | $189/mo |
| Wisconsin Physicians Service Insurance Corporation | $147/mo | $176/mo | $206/mo | $235/mo |
| Philadelphia American Life Insurance Company | $149/mo | $169/mo | $203/mo | $233/mo |
| First Health Life & Health Insurance Company | $158/mo | $180/mo | $201/mo | $213/mo |
| Aetna Health Insurance Company | $173/mo | $184/mo | $216/mo | $255/mo |
| Medico Insurance Company | $202/mo | $208/mo | $241/mo | $292/mo |
| AFLAC | $203/mo | $223/mo | $262/mo | $301/mo |
| Woodmen Of The World Life Insurance Society | $211/mo | $214/mo | $257/mo | $323/mo |
| Humana Insurance Company | $212/mo | $227/mo | $268/mo | $318/mo |
| State Farm Mutual Automobile Insurance Company | $214/mo | $270/mo | $313/mo | $351/mo |
| AARP - UnitedHealthcare Insurance Company | $219/mo | $225/mo | $237/mo | $247/mo |
| Bankers Fidelity Assurance Company | $238/mo | $293/mo | $349/mo | $392/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $135/mo | $166/mo | $173/mo | $173/mo |
| Blue Cross Blue Shield of Louisiana | $137/mo | $161/mo | $181/mo | $189/mo |
| Wisconsin Physicians Service Insurance Corporation | $162/mo | $193/mo | $227/mo | $258/mo |
| Philadelphia American Life Insurance Company | $164/mo | $185/mo | $223/mo | $256/mo |
| First Health Life & Health Insurance Company | $173/mo | $197/mo | $219/mo | $233/mo |
| Aetna Health Insurance Company | $199/mo | $211/mo | $248/mo | $293/mo |
| Medico Insurance Company | $227/mo | $234/mo | $271/mo | $328/mo |
| AFLAC | $234/mo | $256/mo | $301/mo | $346/mo |
| Woodmen Of The World Life Insurance Society | $243/mo | $246/mo | $296/mo | $371/mo |
| Humana Insurance Company | $240/mo | $258/mo | $304/mo | $361/mo |
| State Farm Mutual Automobile Insurance Company | $232/mo | $293/mo | $339/mo | $381/mo |
| AARP - UnitedHealthcare Insurance Company | $247/mo | $254/mo | $267/mo | $279/mo |
| Bankers Fidelity Assurance Company | $266/mo | $328/mo | $391/mo | $440/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $181/mo | $211/mo | $241/mo | $265/mo |
| United American Insurance Company | $191/mo | $239/mo | $259/mo | $260/mo |
| Blue Cross Blue Shield of Louisiana | $196/mo | $232/mo | $263/mo | $275/mo |
| Aetna Health Insurance Company | $216/mo | $229/mo | $269/mo | $317/mo |
| AARP - UnitedHealthcare Insurance Company | $338/mo | $348/mo | $366/mo | $382/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $197/mo | $230/mo | $262/mo | $288/mo |
| United American Insurance Company | $219/mo | $275/mo | $298/mo | $298/mo |
| Blue Cross Blue Shield of Louisiana | $196/mo | $232/mo | $263/mo | $275/mo |
| Aetna Health Insurance Company | $248/mo | $264/mo | $310/mo | $365/mo |
| AARP - UnitedHealthcare Insurance Company | $382/mo | $393/mo | $413/mo | $431/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 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company | $174/mo | $182/mo | $213/mo | $255/mo |
| Wisconsin Physicians Service Insurance Corporation | $211/mo | $252/mo | $295/mo | $337/mo |
| United American Insurance Company | $295/mo | $372/mo | $416/mo | $445/mo |
| State Farm Mutual Automobile Insurance Company | $310/mo | $390/mo | $452/mo | $508/mo |
| AARP - UnitedHealthcare Insurance Company | $424/mo | $436/mo | $458/mo | $478/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company | $197/mo | $205/mo | $241/mo | $288/mo |
| Wisconsin Physicians Service Insurance Corporation | $232/mo | $277/mo | $325/mo | $370/mo |
| United American Insurance Company | $339/mo | $428/mo | $478/mo | $512/mo |
| State Farm Mutual Automobile Insurance Company | $336/mo | $423/mo | $490/mo | $551/mo |
| AARP - UnitedHealthcare Insurance Company | $478/mo | $492/mo | $517/mo | $540/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 | $184/mo | $225/mo | $265/mo | $301/mo |
| United American Insurance Company | $264/mo | $339/mo | $381/mo | $409/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $188/mo | $248/mo | $299/mo | $346/mo |
| United American Insurance Company | $304/mo | $390/mo | $438/mo | $470/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 |
|---|---|---|---|---|
| AFLAC | $202/mo | $218/mo | $269/mo | $333/mo |
| First Health Life & Health Insurance Company | $215/mo | $252/mo | $289/mo | $322/mo |
| Wisconsin Physicians Service Insurance Corporation | $216/mo | $257/mo | $302/mo | $344/mo |
| State Farm Mutual Automobile Insurance Company | $233/mo | $294/mo | $340/mo | $382/mo |
| Woodmen Of The World Life Insurance Society | $237/mo | $237/mo | $280/mo | $338/mo |
| Medico Insurance Company | $238/mo | $243/mo | $285/mo | $354/mo |
| United American Insurance Company | $244/mo | $308/mo | $344/mo | $368/mo |
| Blue Cross Blue Shield of Louisiana | $267/mo | $317/mo | $361/mo | $378/mo |
| Philadelphia American Life Insurance Company | $269/mo | $296/mo | $356/mo | $407/mo |
| Aetna Health Insurance Company | $271/mo | $287/mo | $338/mo | $398/mo |
| Humana Insurance Company | $284/mo | $305/mo | $363/mo | $438/mo |
| Bankers Fidelity Assurance Company | $303/mo | $371/mo | $446/mo | $517/mo |
| AARP - UnitedHealthcare Insurance Company | $425/mo | $437/mo | $459/mo | $480/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AFLAC | $232/mo | $251/mo | $310/mo | $383/mo |
| First Health Life & Health Insurance Company | $233/mo | $273/mo | $314/mo | $349/mo |
| Wisconsin Physicians Service Insurance Corporation | $237/mo | $283/mo | $332/mo | $378/mo |
| State Farm Mutual Automobile Insurance Company | $252/mo | $318/mo | $368/mo | $414/mo |
| Woodmen Of The World Life Insurance Society | $273/mo | $273/mo | $322/mo | $389/mo |
| Medico Insurance Company | $268/mo | $274/mo | $320/mo | $399/mo |
| United American Insurance Company | $281/mo | $354/mo | $395/mo | $423/mo |
| Blue Cross Blue Shield of Louisiana | $267/mo | $317/mo | $361/mo | $378/mo |
| Philadelphia American Life Insurance Company | $296/mo | $326/mo | $392/mo | $447/mo |
| Aetna Health Insurance Company | $311/mo | $330/mo | $388/mo | $458/mo |
| Humana Insurance Company | $321/mo | $345/mo | $410/mo | $495/mo |
| Bankers Fidelity Assurance Company | $339/mo | $415/mo | $499/mo | $579/mo |
| AARP - UnitedHealthcare Insurance Company | $479/mo | $493/mo | $518/mo | $541/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 | $45/mo | $59/mo | $72/mo | $87/mo |
| United American Insurance Company | $45/mo | $59/mo | $73/mo | $86/mo |
| Humana Insurance Company | $49/mo | $55/mo | $65/mo | $79/mo |
| Philadelphia American Life Insurance Company | $51/mo | $59/mo | $69/mo | $84/mo |
| Medico Insurance Company | $70/mo | $72/mo | $85/mo | $107/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Bankers Fidelity Assurance Company | $50/mo | $66/mo | $80/mo | $92/mo |
| United American Insurance Company | $51/mo | $68/mo | $84/mo | $99/mo |
| Humana Insurance Company | $55/mo | $61/mo | $73/mo | $88/mo |
| Philadelphia American Life Insurance Company | $56/mo | $65/mo | $76/mo | $94/mo |
| Medico Insurance Company | $79/mo | $82/mo | $96/mo | $119/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 | $147/mo | $155/mo | $184/mo | $218/mo |
| AFLAC | $169/mo | $179/mo | $217/mo | $283/mo |
| Wisconsin Physicians Service Insurance Corporation | $173/mo | $207/mo | $243/mo | $277/mo |
| Medico Insurance Company | $175/mo | $181/mo | $215/mo | $271/mo |
| Philadelphia American Life Insurance Company | $177/mo | $188/mo | $224/mo | $259/mo |
| State Farm Mutual Automobile Insurance Company | $184/mo | $226/mo | $266/mo | $302/mo |
| First Health Life & Health Insurance Company | $195/mo | $230/mo | $265/mo | $296/mo |
| Woodmen Of The World Life Insurance Society | $196/mo | $199/mo | $239/mo | $300/mo |
| Blue Cross Blue Shield of Louisiana | $206/mo | $242/mo | $274/mo | $286/mo |
| Aetna Health Insurance Company | $238/mo | $253/mo | $297/mo | $350/mo |
| Humana Insurance Company | $239/mo | $257/mo | $307/mo | $373/mo |
| United American Insurance Company | $252/mo | $322/mo | $362/mo | $389/mo |
| AARP - UnitedHealthcare Insurance Company | $383/mo | $393/mo | $392/mo | $408/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Bankers Fidelity Assurance Company | $166/mo | $174/mo | $207/mo | $245/mo |
| AFLAC | $195/mo | $206/mo | $250/mo | $326/mo |
| Wisconsin Physicians Service Insurance Corporation | $191/mo | $228/mo | $267/mo | $304/mo |
| Medico Insurance Company | $197/mo | $203/mo | $242/mo | $305/mo |
| Philadelphia American Life Insurance Company | $194/mo | $207/mo | $246/mo | $285/mo |
| State Farm Mutual Automobile Insurance Company | $188/mo | $249/mo | $300/mo | $347/mo |
| First Health Life & Health Insurance Company | $211/mo | $249/mo | $286/mo | $320/mo |
| Woodmen Of The World Life Insurance Society | $226/mo | $229/mo | $275/mo | $345/mo |
| Blue Cross Blue Shield of Louisiana | $206/mo | $242/mo | $274/mo | $286/mo |
| Aetna Health Insurance Company | $274/mo | $291/mo | $341/mo | $402/mo |
| Humana Insurance Company | $270/mo | $290/mo | $347/mo | $422/mo |
| United American Insurance Company | $289/mo | $371/mo | $416/mo | $447/mo |
| AARP - UnitedHealthcare Insurance Company | $432/mo | $443/mo | $442/mo | $460/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 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company | $41/mo | $48/mo | $56/mo | $68/mo |
| Aetna Health Insurance Company | $46/mo | $49/mo | $57/mo | $67/mo |
| Bankers Fidelity Assurance Company | $46/mo | $48/mo | $57/mo | $68/mo |
| United American Insurance Company | $49/mo | $65/mo | $79/mo | $94/mo |
| Humana Insurance Company | $54/mo | $59/mo | $71/mo | $84/mo |
| Woodmen Of The World Life Insurance Society | $59/mo | $61/mo | $72/mo | $89/mo |
| Medico Insurance Company | $65/mo | $67/mo | $78/mo | $94/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company | $45/mo | $52/mo | $61/mo | $75/mo |
| Aetna Health Insurance Company | $53/mo | $56/mo | $66/mo | $77/mo |
| Bankers Fidelity Assurance Company | $51/mo | $54/mo | $64/mo | $76/mo |
| United American Insurance Company | $56/mo | $74/mo | $91/mo | $108/mo |
| Humana Insurance Company | $61/mo | $67/mo | $80/mo | $95/mo |
| Woodmen Of The World Life Insurance Society | $67/mo | $70/mo | $83/mo | $99/mo |
| Medico Insurance Company | $73/mo | $75/mo | $88/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 | $111/mo | $148/mo | $164/mo | $171/mo |
| AARP - UnitedHealthcare Insurance Company | $144/mo | $148/mo | $156/mo | $163/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $128/mo | $170/mo | $188/mo | $197/mo |
| AARP - UnitedHealthcare Insurance Company | $163/mo | $167/mo | $176/mo | $184/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 | $156/mo | $207/mo | $230/mo | $240/mo |
| AARP - UnitedHealthcare Insurance Company | $237/mo | $243/mo | $256/mo | $267/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $179/mo | $238/mo | $264/mo | $276/mo |
| AARP - UnitedHealthcare Insurance Company | $267/mo | $275/mo | $289/mo | $302/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 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company | $100/mo | $105/mo | $117/mo | $140/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company | $98/mo | $103/mo | $132/mo | $158/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 | $110/mo | $130/mo | $150/mo | $169/mo |
| Bankers Fidelity Assurance Company | $111/mo | $116/mo | $141/mo | $168/mo |
| Philadelphia American Life Insurance Company | $117/mo | $122/mo | $144/mo | $172/mo |
| AFLAC | $119/mo | $130/mo | $163/mo | $213/mo |
| Woodmen Of The World Life Insurance Society | $131/mo | $134/mo | $162/mo | $200/mo |
| Medico Insurance Company | $134/mo | $139/mo | $169/mo | $216/mo |
| State Farm Mutual Automobile Insurance Company | $139/mo | $171/mo | $203/mo | $234/mo |
| Blue Cross Blue Shield of Louisiana | $150/mo | $178/mo | $204/mo | $214/mo |
| Wisconsin Physicians Service Insurance Corporation | $157/mo | $188/mo | $220/mo | $251/mo |
| Aetna Health Insurance Company | $160/mo | $179/mo | $211/mo | $248/mo |
| Humana Insurance Company | $173/mo | $186/mo | $226/mo | $277/mo |
| United American Insurance Company | $312/mo | $403/mo | $456/mo | $496/mo |
| AARP - UnitedHealthcare Insurance Company | $338/mo | $347/mo | $343/mo | $357/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $118/mo | $140/mo | $162/mo | $183/mo |
| Bankers Fidelity Assurance Company | $127/mo | $134/mo | $159/mo | $188/mo |
| Philadelphia American Life Insurance Company | $132/mo | $138/mo | $162/mo | $194/mo |
| AFLAC | $137/mo | $150/mo | $188/mo | $245/mo |
| Woodmen Of The World Life Insurance Society | $150/mo | $154/mo | $186/mo | $231/mo |
| Medico Insurance Company | $150/mo | $157/mo | $190/mo | $242/mo |
| State Farm Mutual Automobile Insurance Company | $146/mo | $191/mo | $231/mo | $269/mo |
| Blue Cross Blue Shield of Louisiana | $150/mo | $178/mo | $204/mo | $214/mo |
| Wisconsin Physicians Service Insurance Corporation | $173/mo | $207/mo | $242/mo | $276/mo |
| Aetna Health Insurance Company | $184/mo | $206/mo | $243/mo | $286/mo |
| Humana Insurance Company | $195/mo | $210/mo | $255/mo | $313/mo |
| United American Insurance Company | $359/mo | $463/mo | $524/mo | $571/mo |
| AARP - UnitedHealthcare Insurance Company | $382/mo | $391/mo | $387/mo | $403/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 Louisiana 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 | $117 – $135/mo |
| Level 2 | $291 – $334/mo | |
| Medico Insurance Company | Preferred | $158 – $204/mo |
| Standard I | $174 – $225/mo | |
| Standard II | $197 – $255/mo | |
| Bankers Fidelity Assurance Company | Preferred | $195 – $237/mo |
| Standard | $234 – $284/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $132 – $152/mo |
| Level 2 | $328 – $377/mo | |
| Medico Insurance Company | Preferred | $177 – $230/mo |
| Standard I | $195 – $253/mo | |
| Standard II | $222 – $287/mo | |
| Bankers Fidelity Assurance Company | Preferred | $219 – $265/mo |
| Standard | $262 – $319/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 Louisiana 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 | $181 – $209/mo |
| Level 2 | $448 – $516/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $204 – $235/mo |
| Level 2 | $506 – $582/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 Louisiana 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 | $227 – $262/mo |
| Level 2 | $561 – $646/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $256 – $295/mo |
| Level 2 | $633 – $729/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 Louisiana carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Insurance Company | Preferred | $186 – $240/mo |
| Standard I | $204 – $264/mo | |
| Standard II | $232 – $300/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $228 – $262/mo |
| Level 2 | $562 – $648/mo | |
| Bankers Fidelity Assurance Company | Preferred | $249 – $302/mo |
| Standard | $298 – $363/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Insurance Company | Preferred | $209 – $270/mo |
| Standard I | $230 – $297/mo | |
| Standard II | $261 – $338/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $257 – $296/mo |
| Level 2 | $634 – $731/mo | |
| Bankers Fidelity Assurance Company | Preferred | $279 – $338/mo |
| Standard | $334 – $406/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 Louisiana 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 | $37 – $45/mo |
| Standard | $44 – $54/mo | |
| Medico Insurance Company | Preferred | $55 – $71/mo |
| Standard I | $60 – $78/mo | |
| Standard II | $69 – $89/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $41 – $50/mo |
| Standard | $49 – $60/mo | |
| Medico Insurance Company | Preferred | $62 – $80/mo |
| Standard I | $68 – $88/mo | |
| Standard II | $77 – $100/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 Louisiana 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 | $118 – $144/mo |
| Standard | $148 – $180/mo | |
| Medico Insurance Company | Preferred | $137 – $177/mo |
| Standard I | $150 – $195/mo | |
| Standard II | $171 – $221/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $176 – $203/mo |
| Level 2 | $536 – $617/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $133 – $162/mo |
| Standard | $166 – $202/mo | |
| Medico Insurance Company | Preferred | $154 – $199/mo |
| Standard I | $169 – $219/mo | |
| Standard II | $192 – $249/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $199 – $229/mo |
| Level 2 | $605 – $696/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 Louisiana 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 | $37 – $45/mo |
| Standard | $46 – $56/mo | |
| Medico Insurance Company | Preferred | $51 – $66/mo |
| Standard I | $56 – $72/mo | |
| Standard II | $64 – $82/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $41 – $50/mo |
| Standard | $52 – $63/mo | |
| Medico Insurance Company | Preferred | $57 – $74/mo |
| Standard I | $63 – $81/mo | |
| Standard II | $71 – $93/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 Louisiana 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 | $77 – $88/mo |
| Level 2 | $191 – $220/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $87 – $100/mo |
| Level 2 | $216 – $249/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 Louisiana 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 | $126 – $146/mo |
| Level 2 | $314 – $361/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $143 – $165/mo |
| Level 2 | $354 – $408/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 Louisiana 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 | $91 – $100/mo |
| Standard | $114 – $138/mo | |
| Medico Insurance Company | Preferred | $104 – $135/mo |
| Standard I | $115 – $149/mo | |
| Standard II | $130 – $169/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $152 – $175/mo |
| Level 2 | $477 – $549/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $102 – $124/mo |
| Standard | $128 – $155/mo | |
| Medico Insurance Company | Preferred | $117 – $152/mo |
| Standard I | $129 – $167/mo | |
| Standard II | $147 – $190/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $171 – $198/mo |
| Level 2 | $538 – $620/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.
For most Louisiana residents, Medicare eligibility begins around 65 years old. Starting three months before your 65th birthday and the three months after your 65th birthday, you have an Initial Enrollment Period where you can enroll in Medicare Part A and Medicare Part B without penalty. When you have Medicare Part A and Part B, you begin your Medigap Open Enrollment Period where you can buy a Medicare Supplement plan without medical underwriting.
Yes. Louisiana has a birthday rule for current Medigap beneficiaries. You get a 63-day window starting on your birthday to change to an equal or lesser plan, but only with your current carrier or its affiliate.
Yes. You receive the standard initial 6-month window when you are 65 and enrolled in Medicare Part B, plus a recurring 63-day enrollment window following your birthday to change your Medigap plan to an equal or lesser plan with your current carrier or affiliate.
Yes. Insurance carriers cannot issue a supplemental policy unless you are fully enrolled in both Parts A and B. Once you enroll in Part A and Part B, Medicare becomes your primary payer for healthcare costs and coordinates with a Medicare Supplement plan behind the scenes to pay the 20% coinsurance that Medicare Part B does not pay.
No. There is no federal requirement to have prescription drug coverage, but going without prescription drug coverage (either through delaying Medicare Part D or creditible coverage through an employer) means Medicare will add a lifelong premium penalty when you sign up later.
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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