Rate data current as of
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 | $219/mo |
| 70 | $239/mo |
| 75 | $277/mo |
| 80 | $317/mo |
Rates are statewide averages across all carriers. Your actual premium will vary by carrier, zip code, health status, and underwriting factors. Get a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Figures for Medicare Supplement (Medigap) on this page use 2026 filed or community rates from our carrier-rate dataset for 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 |
| USAA Life Insurance Company | $128/mo | $149/mo | $179/mo | $208/mo |
| Blue Cross Blue Shield of Louisiana | $130/mo | $153/mo | $172/mo | $179/mo |
| LifeShield National Insurance Company | $149/mo | $155/mo | $190/mo | $234/mo |
| First Health Life & Health Insurance Company | $151/mo | $173/mo | $192/mo | $203/mo |
| Insurance Company of North America | $157/mo | $159/mo | $188/mo | $229/mo |
| Aetna Health Insurance Company | $158/mo | $167/mo | $196/mo | $231/mo |
| American Benefit Life Insurance Company | $165/mo | $169/mo | $206/mo | $251/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 |
| Medico Life and Health Insurance Company | $211/mo | $213/mo | $228/mo | $269/mo |
| Physicians Mutual Insurance Company, Inc. | $215/mo | $247/mo | $283/mo | $325/mo |
| Washington National Insurance Company | $218/mo | $281/mo | $360/mo | $450/mo |
| Humana Insurance Company | $234/mo | $245/mo | $286/mo | $333/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 |
| USAA Life Insurance Company Lowest | $128/mo | $149/mo | $179/mo | $208/mo |
| Blue Cross Blue Shield of Louisiana | $130/mo | $153/mo | $172/mo | $179/mo |
| LifeShield National Insurance Company | $172/mo | $178/mo | $219/mo | $269/mo |
| First Health Life & Health Insurance Company | $165/mo | $189/mo | $210/mo | $223/mo |
| Insurance Company of North America | $177/mo | $179/mo | $213/mo | $259/mo |
| Aetna Health Insurance Company | $181/mo | $192/mo | $226/mo | $266/mo |
| American Benefit Life Insurance Company | $189/mo | $195/mo | $237/mo | $289/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 |
| Medico Life and Health Insurance Company | $243/mo | $245/mo | $262/mo | $309/mo |
| Physicians Mutual Insurance Company, Inc. | $238/mo | $273/mo | $313/mo | $359/mo |
| Washington National Insurance Company | $242/mo | $312/mo | $400/mo | $500/mo |
| Humana Insurance Company | $269/mo | $281/mo | $329/mo | $384/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 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $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 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $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 |
|---|---|---|---|---|
| LifeShield National Insurance Company Lowest | $184/mo | $192/mo | $230/mo | $280/mo |
| AFLAC | $186/mo | $201/mo | $248/mo | $307/mo |
| American Benefit Life Insurance Company | $205/mo | $214/mo | $256/mo | $310/mo |
| Insurance Company of North America | $205/mo | $211/mo | $250/mo | $304/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 |
| Washington National Insurance Company | $227/mo | $274/mo | $333/mo | $397/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 |
| USAA Life Insurance Company | $234/mo | $274/mo | $328/mo | $379/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 |
| Physicians Mutual Insurance Company, Inc. | $276/mo | $317/mo | $364/mo | $417/mo |
| Medico Life and Health Insurance Company | $296/mo | $299/mo | $319/mo | $377/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| LifeShield National Insurance Company Lowest | $211/mo | $221/mo | $265/mo | $322/mo |
| AFLAC | $214/mo | $231/mo | $285/mo | $353/mo |
| American Benefit Life Insurance Company | $236/mo | $246/mo | $295/mo | $356/mo |
| Insurance Company of North America | $231/mo | $238/mo | $283/mo | $344/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 |
| Washington National Insurance Company | $252/mo | $305/mo | $370/mo | $441/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 |
| USAA Life Insurance Company | $234/mo | $274/mo | $328/mo | $379/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 | $299/mo | $310/mo | $366/mo | $438/mo |
| Physicians Mutual Insurance Company, Inc. | $305/mo | $350/mo | $402/mo | $461/mo |
| Medico Life and Health Insurance Company | $341/mo | $344/mo | $367/mo | $434/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 |
| United American Insurance Company | $45/mo | $59/mo | $73/mo | $86/mo |
| Medico Life and Health Insurance Company | $89/mo | $90/mo | $96/mo | $113/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Bankers Fidelity Assurance Company Lowest | $41/mo | $54/mo | $66/mo | $78/mo |
| United American Insurance Company | $51/mo | $68/mo | $84/mo | $99/mo |
| Medico Life and Health Insurance Company | $102/mo | $103/mo | $110/mo | $130/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 |
| LifeShield National Insurance Company | $150/mo | $155/mo | $191/mo | $235/mo |
| AFLAC | $156/mo | $165/mo | $200/mo | $261/mo |
| Physicians Mutual Insurance Company, Inc. | $157/mo | $180/mo | $207/mo | $238/mo |
| Insurance Company of North America | $158/mo | $160/mo | $190/mo | $231/mo |
| American Benefit Life Insurance Company | $166/mo | $170/mo | $207/mo | $252/mo |
| USAA Life Insurance Company | $172/mo | $208/mo | $245/mo | $289/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 |
| Washington National Insurance Company | $181/mo | $234/mo | $299/mo | $375/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 |
| Medico Life and Health Insurance Company | $196/mo | $198/mo | $211/mo | $250/mo |
| Aetna Health Insurance Company | $216/mo | $230/mo | $270/mo | $318/mo |
| Humana Insurance Company | $220/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 |
| LifeShield National Insurance Company | $173/mo | $179/mo | $220/mo | $270/mo |
| AFLAC | $179/mo | $190/mo | $230/mo | $300/mo |
| Physicians Mutual Insurance Company, Inc. | $174/mo | $199/mo | $229/mo | $263/mo |
| Insurance Company of North America | $179/mo | $181/mo | $215/mo | $262/mo |
| American Benefit Life Insurance Company | $190/mo | $196/mo | $239/mo | $290/mo |
| USAA Life Insurance Company | $172/mo | $208/mo | $245/mo | $289/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 |
| Washington National Insurance Company | $201/mo | $260/mo | $333/mo | $416/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 |
| Medico Life and Health Insurance Company | $225/mo | $228/mo | $243/mo | $287/mo |
| Aetna Health Insurance Company | $249/mo | $264/mo | $310/mo | $366/mo |
| Humana Insurance Company | $253/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 |
|---|---|---|---|---|
| Bankers Fidelity Assurance Company Lowest | $37/mo | $39/mo | $46/mo | $54/mo |
| Aetna Health Insurance Company | $42/mo | $44/mo | $52/mo | $61/mo |
| Washington National Insurance Company | $42/mo | $50/mo | $61/mo | $72/mo |
| Humana Insurance Company | $46/mo | $50/mo | $60/mo | $69/mo |
| United American Insurance Company | $49/mo | $65/mo | $79/mo | $94/mo |
| Insurance Company of North America | $53/mo | $54/mo | $64/mo | $78/mo |
| Woodmen Of The World Life Insurance Society | $53/mo | $55/mo | $65/mo | $80/mo |
| Physicians Mutual Insurance Company, Inc. | $66/mo | $79/mo | $96/mo | $115/mo |
| Medico Life and Health Insurance Company | $68/mo | $68/mo | $73/mo | $86/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Bankers Fidelity Assurance Company Lowest | $41/mo | $43/mo | $51/mo | $61/mo |
| Aetna Health Insurance Company | $48/mo | $51/mo | $60/mo | $70/mo |
| Washington National Insurance Company | $46/mo | $56/mo | $67/mo | $80/mo |
| Humana Insurance Company | $53/mo | $58/mo | $69/mo | $80/mo |
| United American Insurance Company | $56/mo | $74/mo | $91/mo | $108/mo |
| Insurance Company of North America | $60/mo | $61/mo | $72/mo | $88/mo |
| Woodmen Of The World Life Insurance Society | $61/mo | $63/mo | $75/mo | $92/mo |
| Physicians Mutual Insurance Company, Inc. | $73/mo | $88/mo | $106/mo | $127/mo |
| Medico Life and Health Insurance Company | $78/mo | $79/mo | $84/mo | $99/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 |
|---|---|---|---|---|
| Bankers Fidelity Assurance Company Lowest | $91/mo | $96/mo | $114/mo | $135/mo |
| First Health Life & Health Insurance Company | $105/mo | $124/mo | $144/mo | $162/mo |
| AFLAC | $110/mo | $120/mo | $150/mo | $196/mo |
| Insurance Company of North America | $112/mo | $114/mo | $135/mo | $164/mo |
| LifeShield National Insurance Company | $112/mo | $123/mo | $154/mo | $188/mo |
| Woodmen Of The World Life Insurance Society | $118/mo | $121/mo | $146/mo | $181/mo |
| American Benefit Life Insurance Company | $123/mo | $134/mo | $167/mo | $209/mo |
| Washington National Insurance Company | $132/mo | $171/mo | $219/mo | $274/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 |
| Medico Life and Health Insurance Company | $148/mo | $150/mo | $160/mo | $189/mo |
| Humana Insurance Company | $151/mo | $156/mo | $193/mo | $239/mo |
| AARP - UnitedHealthcare Insurance Company | $152/mo | $167/mo | $205/mo | $243/mo |
| USAA Life Insurance Company | $170/mo | $199/mo | $237/mo | $275/mo |
| Physicians Mutual Insurance Company, Inc. | $228/mo | $262/mo | $301/mo | $345/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 |
| First Health Life & Health Insurance Company | $113/mo | $134/mo | $155/mo | $175/mo |
| AFLAC | $126/mo | $138/mo | $173/mo | $226/mo |
| Insurance Company of North America | $126/mo | $129/mo | $152/mo | $186/mo |
| LifeShield National Insurance Company | $129/mo | $142/mo | $178/mo | $217/mo |
| Woodmen Of The World Life Insurance Society | $136/mo | $139/mo | $168/mo | $208/mo |
| American Benefit Life Insurance Company | $141/mo | $154/mo | $193/mo | $240/mo |
| Washington National Insurance Company | $147/mo | $190/mo | $243/mo | $304/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 |
| Medico Life and Health Insurance Company | $170/mo | $172/mo | $184/mo | $217/mo |
| Humana Insurance Company | $173/mo | $180/mo | $222/mo | $275/mo |
| AARP - UnitedHealthcare Insurance Company | $171/mo | $188/mo | $231/mo | $274/mo |
| USAA Life Insurance Company | $170/mo | $199/mo | $237/mo | $275/mo |
| Physicians Mutual Insurance Company, Inc. | $252/mo | $290/mo | $332/mo | $382/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 |
| USAA Life Insurance Company | $128/mo | $149/mo | $179/mo | $208/mo |
| Blue Cross Blue Shield of Louisiana | $137/mo | $161/mo | $181/mo | $189/mo |
| First Health Life & Health Insurance Company | $158/mo | $180/mo | $201/mo | $213/mo |
| LifeShield National Insurance Company | $162/mo | $168/mo | $206/mo | $254/mo |
| Insurance Company of North America | $172/mo | $175/mo | $207/mo | $252/mo |
| Aetna Health Insurance Company | $173/mo | $184/mo | $216/mo | $255/mo |
| American Benefit Life Insurance Company | $179/mo | $184/mo | $224/mo | $273/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 |
| 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 |
| Physicians Mutual Insurance Company, Inc. | $220/mo | $253/mo | $290/mo | $333/mo |
| Bankers Fidelity Assurance Company | $238/mo | $293/mo | $349/mo | $392/mo |
| Humana Insurance Company | $254/mo | $265/mo | $310/mo | $362/mo |
| Medico Life and Health Insurance Company | $255/mo | $258/mo | $275/mo | $325/mo |
| Washington National Insurance Company | $255/mo | $330/mo | $422/mo | $528/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $135/mo | $166/mo | $173/mo | $173/mo |
| USAA Life Insurance Company | $128/mo | $149/mo | $179/mo | $208/mo |
| Blue Cross Blue Shield of Louisiana | $137/mo | $161/mo | $181/mo | $189/mo |
| First Health Life & Health Insurance Company | $173/mo | $197/mo | $219/mo | $233/mo |
| LifeShield National Insurance Company | $186/mo | $193/mo | $237/mo | $292/mo |
| Insurance Company of North America | $195/mo | $197/mo | $234/mo | $285/mo |
| Aetna Health Insurance Company | $199/mo | $211/mo | $248/mo | $293/mo |
| American Benefit Life Insurance Company | $206/mo | $211/mo | $258/mo | $313/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 |
| 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 |
| Physicians Mutual Insurance Company, Inc. | $243/mo | $279/mo | $321/mo | $368/mo |
| Bankers Fidelity Assurance Company | $266/mo | $328/mo | $391/mo | $440/mo |
| Humana Insurance Company | $292/mo | $305/mo | $357/mo | $416/mo |
| Medico Life and Health Insurance Company | $293/mo | $296/mo | $316/mo | $373/mo |
| Washington National Insurance Company | $283/mo | $366/mo | $469/mo | $587/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 |
|---|---|---|---|---|
| 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 |
|---|---|---|---|---|
| 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 |
|---|---|---|---|---|
| LifeShield National Insurance Company | $200/mo | $208/mo | $250/mo | $303/mo |
| AFLAC | $202/mo | $218/mo | $269/mo | $333/mo |
| First Health Life & Health Insurance Company | $215/mo | $252/mo | $289/mo | $322/mo |
| American Benefit Life Insurance Company | $222/mo | $232/mo | $278/mo | $336/mo |
| Insurance Company of North America | $225/mo | $232/mo | $276/mo | $335/mo |
| State Farm Mutual Automobile Insurance Company | $233/mo | $294/mo | $340/mo | $382/mo |
| USAA Life Insurance Company | $234/mo | $274/mo | $328/mo | $379/mo |
| Woodmen Of The World Life Insurance Society | $237/mo | $237/mo | $280/mo | $338/mo |
| United American Insurance Company | $244/mo | $308/mo | $344/mo | $368/mo |
| Washington National Insurance Company | $266/mo | $322/mo | $390/mo | $465/mo |
| Blue Cross Blue Shield of Louisiana | $267/mo | $317/mo | $361/mo | $378/mo |
| Aetna Health Insurance Company | $271/mo | $287/mo | $338/mo | $398/mo |
| Humana Insurance Company | $282/mo | $293/mo | $345/mo | $414/mo |
| Physicians Mutual Insurance Company, Inc. | $282/mo | $324/mo | $372/mo | $427/mo |
| Bankers Fidelity Assurance Company | $303/mo | $371/mo | $446/mo | $517/mo |
| Medico Life and Health Insurance Company | $358/mo | $361/mo | $385/mo | $455/mo |
| AARP - UnitedHealthcare Insurance Company | $425/mo | $437/mo | $459/mo | $480/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| LifeShield National Insurance Company | $229/mo | $239/mo | $287/mo | $349/mo |
| AFLAC | $232/mo | $251/mo | $310/mo | $383/mo |
| First Health Life & Health Insurance Company | $233/mo | $273/mo | $314/mo | $349/mo |
| American Benefit Life Insurance Company | $256/mo | $267/mo | $320/mo | $386/mo |
| Insurance Company of North America | $254/mo | $262/mo | $311/mo | $379/mo |
| State Farm Mutual Automobile Insurance Company | $252/mo | $318/mo | $368/mo | $414/mo |
| USAA Life Insurance Company | $234/mo | $274/mo | $328/mo | $379/mo |
| Woodmen Of The World Life Insurance Society | $273/mo | $273/mo | $322/mo | $389/mo |
| United American Insurance Company | $281/mo | $354/mo | $395/mo | $423/mo |
| Washington National Insurance Company | $295/mo | $357/mo | $434/mo | $517/mo |
| Blue Cross Blue Shield of Louisiana | $267/mo | $317/mo | $361/mo | $378/mo |
| Aetna Health Insurance Company | $311/mo | $330/mo | $388/mo | $458/mo |
| Humana Insurance Company | $324/mo | $337/mo | $397/mo | $476/mo |
| Physicians Mutual Insurance Company, Inc. | $312/mo | $358/mo | $411/mo | $472/mo |
| Bankers Fidelity Assurance Company | $339/mo | $415/mo | $499/mo | $579/mo |
| Medico Life and Health Insurance Company | $411/mo | $415/mo | $443/mo | $524/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 |
| Medico Life and Health Insurance Company | $107/mo | $108/mo | $116/mo | $137/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 |
| Medico Life and Health Insurance Company | $123/mo | $125/mo | $133/mo | $157/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 |
| LifeShield National Insurance Company | $163/mo | $169/mo | $208/mo | $255/mo |
| AFLAC | $169/mo | $179/mo | $217/mo | $283/mo |
| USAA Life Insurance Company | $172/mo | $208/mo | $245/mo | $289/mo |
| Insurance Company of North America | $174/mo | $176/mo | $209/mo | $255/mo |
| American Benefit Life Insurance Company | $180/mo | $185/mo | $225/mo | $274/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 |
| Physicians Mutual Insurance Company, Inc. | $206/mo | $237/mo | $272/mo | $312/mo |
| Washington National Insurance Company | $212/mo | $274/mo | $351/mo | $439/mo |
| Medico Life and Health Insurance Company | $237/mo | $239/mo | $255/mo | $301/mo |
| Aetna Health Insurance Company | $238/mo | $253/mo | $297/mo | $350/mo |
| Humana Insurance Company | $239/mo | $247/mo | $296/mo | $358/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 |
| LifeShield National Insurance Company | $187/mo | $194/mo | $239/mo | $293/mo |
| AFLAC | $195/mo | $206/mo | $250/mo | $326/mo |
| USAA Life Insurance Company | $172/mo | $208/mo | $245/mo | $289/mo |
| Insurance Company of North America | $197/mo | $199/mo | $237/mo | $288/mo |
| American Benefit Life Insurance Company | $207/mo | $212/mo | $259/mo | $315/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 |
| Physicians Mutual Insurance Company, Inc. | $228/mo | $262/mo | $301/mo | $345/mo |
| Washington National Insurance Company | $236/mo | $305/mo | $390/mo | $488/mo |
| Medico Life and Health Insurance Company | $272/mo | $275/mo | $293/mo | $346/mo |
| Aetna Health Insurance Company | $274/mo | $291/mo | $341/mo | $402/mo |
| Humana Insurance Company | $275/mo | $284/mo | $341/mo | $412/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 |
|---|---|---|---|---|
| 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 |
| Washington National Insurance Company | $49/mo | $59/mo | $71/mo | $85/mo |
| Humana Insurance Company | $50/mo | $55/mo | $65/mo | $75/mo |
| Insurance Company of North America | $59/mo | $59/mo | $70/mo | $86/mo |
| Woodmen Of The World Life Insurance Society | $59/mo | $61/mo | $72/mo | $89/mo |
| Physicians Mutual Insurance Company, Inc. | $67/mo | $81/mo | $98/mo | $118/mo |
| Medico Life and Health Insurance Company | $82/mo | $82/mo | $88/mo | $104/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| 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 |
| Washington National Insurance Company | $54/mo | $65/mo | $79/mo | $94/mo |
| Humana Insurance Company | $58/mo | $63/mo | $75/mo | $87/mo |
| Insurance Company of North America | $66/mo | $67/mo | $80/mo | $97/mo |
| Woodmen Of The World Life Insurance Society | $67/mo | $70/mo | $83/mo | $99/mo |
| Physicians Mutual Insurance Company, Inc. | $74/mo | $90/mo | $108/mo | $130/mo |
| Medico Life and Health Insurance Company | $94/mo | $95/mo | $101/mo | $120/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 |
|---|---|---|---|---|
| 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 |
| AFLAC | $119/mo | $130/mo | $163/mo | $213/mo |
| LifeShield National Insurance Company | $122/mo | $134/mo | $168/mo | $204/mo |
| Insurance Company of North America | $123/mo | $125/mo | $148/mo | $181/mo |
| Woodmen Of The World Life Insurance Society | $131/mo | $134/mo | $162/mo | $200/mo |
| American Benefit Life Insurance Company | $133/mo | $145/mo | $182/mo | $227/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 |
| Washington National Insurance Company | $155/mo | $201/mo | $257/mo | $321/mo |
| Aetna Health Insurance Company | $160/mo | $179/mo | $211/mo | $248/mo |
| Humana Insurance Company | $163/mo | $170/mo | $209/mo | $260/mo |
| USAA Life Insurance Company | $170/mo | $199/mo | $237/mo | $275/mo |
| Medico Life and Health Insurance Company | $179/mo | $181/mo | $193/mo | $228/mo |
| Physicians Mutual Insurance Company, Inc. | $234/mo | $268/mo | $308/mo | $353/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 |
| AFLAC | $137/mo | $150/mo | $188/mo | $245/mo |
| LifeShield National Insurance Company | $140/mo | $154/mo | $193/mo | $235/mo |
| Insurance Company of North America | $139/mo | $141/mo | $168/mo | $204/mo |
| Woodmen Of The World Life Insurance Society | $150/mo | $154/mo | $186/mo | $231/mo |
| American Benefit Life Insurance Company | $153/mo | $167/mo | $209/mo | $261/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 |
| Washington National Insurance Company | $172/mo | $223/mo | $285/mo | $357/mo |
| Aetna Health Insurance Company | $184/mo | $206/mo | $243/mo | $286/mo |
| Humana Insurance Company | $188/mo | $195/mo | $241/mo | $299/mo |
| USAA Life Insurance Company | $170/mo | $199/mo | $237/mo | $275/mo |
| Medico Life and Health Insurance Company | $206/mo | $208/mo | $222/mo | $262/mo |
| Physicians Mutual Insurance Company, Inc. | $258/mo | $296/mo | $340/mo | $391/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 | |
| Bankers Fidelity Assurance Company | Preferred | $195 – $237/mo |
| Standard | $234 – $284/mo | |
| Medico Life and Health Insurance Company | Preferred | $211 – $245/mo |
| Standard I | $232 – $270/mo | |
| Standard II | $264 – $307/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $132 – $152/mo |
| Level 2 | $328 – $377/mo | |
| Bankers Fidelity Assurance Company | Preferred | $219 – $265/mo |
| Standard | $262 – $319/mo | |
| Medico Life and Health Insurance Company | Preferred | $243 – $282/mo |
| Standard I | $267 – $311/mo | |
| Standard II | $304 – $353/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 |
|---|---|---|
| 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 | |
| Medico Life and Health Insurance Company | Preferred | $296 – $344/mo |
| Standard I | $326 – $379/mo | |
| Standard II | $370 – $430/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| 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 | |
| Medico Life and Health Insurance Company | Preferred | $341 – $396/mo |
| Standard I | $375 – $436/mo | |
| Standard II | $426 – $495/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 Life and Health Insurance Company | Preferred | $89 – $103/mo |
| Standard I | $98 – $114/mo | |
| Standard II | $111 – $129/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $41 – $50/mo |
| Standard | $49 – $60/mo | |
| Medico Life and Health Insurance Company | Preferred | $102 – $119/mo |
| Standard I | $112 – $131/mo | |
| Standard II | $128 – $148/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 | |
| AARP - UnitedHealthcare Insurance Company | Standard | $176 – $203/mo |
| Level 2 | $536 – $617/mo | |
| Medico Life and Health Insurance Company | Preferred | $196 – $228/mo |
| Standard I | $216 – $251/mo | |
| Standard II | $245 – $285/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $133 – $162/mo |
| Standard | $166 – $202/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $199 – $229/mo |
| Level 2 | $605 – $696/mo | |
| Medico Life and Health Insurance Company | Preferred | $225 – $262/mo |
| Standard I | $248 – $288/mo | |
| Standard II | $282 – $327/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 Life and Health Insurance Company | Preferred | $68 – $79/mo |
| Standard I | $74 – $86/mo | |
| Standard II | $85 – $98/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $41 – $50/mo |
| Standard | $52 – $63/mo | |
| Medico Life and Health Insurance Company | Preferred | $78 – $90/mo |
| Standard I | $86 – $99/mo | |
| Standard II | $97 – $113/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 Life and Health Insurance Company | Preferred | $148 – $172/mo |
| Standard I | $163 – $189/mo | |
| Standard II | $185 – $215/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 Life and Health Insurance Company | Preferred | $170 – $198/mo |
| Standard I | $187 – $218/mo | |
| Standard II | $213 – $247/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
© 2026 United Medicare Advisors.
PLEASE NOTE: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.
Spring Insurance Solutions dba United Medicare Advisors and www.unitedmedicareadvisors.com are wholly owned and operated by Spring Venture Group, LLC. United Medicare Advisors and its divisions are licensed to sell insurance products in AL, AZ, AR, CA, CO, CT, DE, DC, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY.
