Rate data current as of
Compare 2026 Medicare Supplement (Medigap) rates in Mississippi. 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 | $226/mo |
| 70 | $242/mo |
| 75 | $281/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.
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 Mississippi. 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 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest Lowest | $97/mo | $109/mo | $130/mo | $154/mo |
| HealthSpring National Health Insurance Company | $114/mo | $119/mo | $140/mo | $166/mo |
| United American Insurance Company | $120/mo | $144/mo | $152/mo | $152/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $136/mo | $145/mo | $170/mo | $200/mo |
| United World Life Insurance Company | $137/mo | $146/mo | $166/mo | $196/mo |
| LifeShield National Insurance Company | $138/mo | $143/mo | $176/mo | $216/mo |
| USAA Life Insurance Company | $150/mo | $175/mo | $209/mo | $243/mo |
| Insurance Company of North America | $153/mo | $154/mo | $183/mo | $223/mo |
| AARP - UnitedHealthcare Insurance Company | $154/mo | $170/mo | $208/mo | $246/mo |
| MedMutual Protect | $155/mo | $166/mo | $194/mo | $228/mo |
| State Farm Mutual Automobile Insurance Company | $156/mo | $197/mo | $228/mo | $256/mo |
| Woodmen Of The World Life Insurance Society | $156/mo | $159/mo | $190/mo | $239/mo |
| American Benefit Life Insurance Company | $167/mo | $171/mo | $209/mo | $254/mo |
| Humana Insurance Company | $172/mo | $181/mo | $212/mo | $255/mo |
| AFLAC | $173/mo | $190/mo | $224/mo | $257/mo |
| Nassau Life Insurance Company | $173/mo | $182/mo | $221/mo | $259/mo |
| AARP - UnitedHealthcare Insurance Company of America | $176/mo | $196/mo | $229/mo | $265/mo |
| Physicians Mutual Insurance Company, Inc. | $192/mo | $220/mo | $253/mo | $290/mo |
| Washington National Insurance Company | $202/mo | $261/mo | $335/mo | $419/mo |
| Guarantee Trust Life Insurance Company | $243/mo | $258/mo | $291/mo | $336/mo |
| GPM Health and Life Insurance Company | $253/mo | $279/mo | $334/mo | $385/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest Lowest | $107/mo | $120/mo | $143/mo | $169/mo |
| HealthSpring National Health Insurance Company | $128/mo | $133/mo | $157/mo | $186/mo |
| United American Insurance Company | $138/mo | $166/mo | $175/mo | $175/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $157/mo | $166/mo | $196/mo | $230/mo |
| United World Life Insurance Company | $158/mo | $168/mo | $191/mo | $226/mo |
| LifeShield National Insurance Company | $159/mo | $164/mo | $202/mo | $248/mo |
| USAA Life Insurance Company | $150/mo | $175/mo | $209/mo | $243/mo |
| Insurance Company of North America | $172/mo | $174/mo | $207/mo | $252/mo |
| AARP - UnitedHealthcare Insurance Company | $174/mo | $191/mo | $235/mo | $278/mo |
| MedMutual Protect | $171/mo | $182/mo | $214/mo | $251/mo |
| State Farm Mutual Automobile Insurance Company | $169/mo | $213/mo | $247/mo | $278/mo |
| Woodmen Of The World Life Insurance Society | $180/mo | $182/mo | $219/mo | $275/mo |
| American Benefit Life Insurance Company | $192/mo | $197/mo | $240/mo | $292/mo |
| Humana Insurance Company | $194/mo | $205/mo | $240/mo | $294/mo |
| AFLAC | $199/mo | $217/mo | $256/mo | $294/mo |
| Nassau Life Insurance Company | $198/mo | $209/mo | $254/mo | $298/mo |
| AARP - UnitedHealthcare Insurance Company of America | $203/mo | $226/mo | $264/mo | $305/mo |
| Physicians Mutual Insurance Company, Inc. | $212/mo | $243/mo | $279/mo | $321/mo |
| Washington National Insurance Company | $225/mo | $290/mo | $372/mo | $465/mo |
| Guarantee Trust Life Insurance Company | $272/mo | $290/mo | $329/mo | $381/mo |
| GPM Health and Life Insurance Company | $291/mo | $321/mo | $384/mo | $443/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 |
|---|---|---|---|---|
| Continental Life Insurance Company of Brentwood, Tennessee Lowest | $147/mo | $156/mo | $183/mo | $216/mo |
| AARP - UnitedHealthcare Insurance Company | $201/mo | $221/mo | $271/mo | $321/mo |
| United American Insurance Company | $219/mo | $273/mo | $299/mo | $301/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Continental Life Insurance Company of Brentwood, Tennessee Lowest | $169/mo | $179/mo | $210/mo | $248/mo |
| AARP - UnitedHealthcare Insurance Company | $227/mo | $250/mo | $306/mo | $362/mo |
| United American Insurance Company | $252/mo | $314/mo | $344/mo | $346/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 | $245/mo | $309/mo | $358/mo | $403/mo |
| AARP - UnitedHealthcare Insurance Company | $248/mo | $273/mo | $334/mo | $396/mo |
| United American Insurance Company | $262/mo | $331/mo | $374/mo | $410/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $266/mo | $335/mo | $388/mo | $436/mo |
| AARP - UnitedHealthcare Insurance Company | $280/mo | $308/mo | $377/mo | $447/mo |
| United American Insurance Company | $302/mo | $380/mo | $430/mo | $471/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 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest Lowest | $151/mo | $153/mo | $180/mo | $217/mo |
| MedMutual Protect | $187/mo | $199/mo | $234/mo | $274/mo |
| State Farm Mutual Automobile Insurance Company | $190/mo | $233/mo | $274/mo | $311/mo |
| United American Insurance Company | $244/mo | $314/mo | $358/mo | $394/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest Lowest | $166/mo | $169/mo | $198/mo | $238/mo |
| MedMutual Protect | $205/mo | $219/mo | $257/mo | $302/mo |
| State Farm Mutual Automobile Insurance Company | $194/mo | $257/mo | $309/mo | $357/mo |
| United American Insurance Company | $281/mo | $361/mo | $411/mo | $452/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 |
|---|---|---|---|---|
| MedMutual Protect Lowest | $156/mo | $167/mo | $195/mo | $229/mo |
| HealthSpring National Health Insurance Company | $164/mo | $170/mo | $197/mo | $231/mo |
| LifeShield National Insurance Company | $170/mo | $178/mo | $213/mo | $259/mo |
| New Era Life Insurance Company of the Midwest | $172/mo | $175/mo | $205/mo | $247/mo |
| AFLAC | $174/mo | $187/mo | $229/mo | $283/mo |
| Nassau Life Insurance Company | $181/mo | $196/mo | $228/mo | $268/mo |
| Humana Insurance Company | $185/mo | $195/mo | $229/mo | $281/mo |
| Insurance Company of North America | $186/mo | $192/mo | $228/mo | $277/mo |
| Woodmen Of The World Life Insurance Society | $195/mo | $195/mo | $230/mo | $278/mo |
| American Benefit Life Insurance Company | $209/mo | $218/mo | $262/mo | $316/mo |
| AARP - UnitedHealthcare Insurance Company of America | $213/mo | $236/mo | $276/mo | $319/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $216/mo | $229/mo | $269/mo | $317/mo |
| USAA Life Insurance Company | $222/mo | $260/mo | $310/mo | $359/mo |
| Washington National Insurance Company | $226/mo | $274/mo | $332/mo | $396/mo |
| United World Life Insurance Company | $236/mo | $250/mo | $284/mo | $337/mo |
| Physicians Mutual Insurance Company, Inc. | $247/mo | $283/mo | $325/mo | $373/mo |
| State Farm Mutual Automobile Insurance Company | $248/mo | $312/mo | $362/mo | $407/mo |
| AARP - UnitedHealthcare Insurance Company | $249/mo | $274/mo | $335/mo | $397/mo |
| Guarantee Trust Life Insurance Company | $308/mo | $327/mo | $389/mo | $487/mo |
| United American Insurance Company | $325/mo | $409/mo | $462/mo | $506/mo |
| GPM Health and Life Insurance Company | $340/mo | $376/mo | $450/mo | $519/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect Lowest | $172/mo | $183/mo | $215/mo | $252/mo |
| HealthSpring National Health Insurance Company | $184/mo | $190/mo | $221/mo | $258/mo |
| LifeShield National Insurance Company | $196/mo | $204/mo | $245/mo | $298/mo |
| New Era Life Insurance Company of the Midwest | $189/mo | $192/mo | $226/mo | $272/mo |
| AFLAC | $199/mo | $214/mo | $262/mo | $325/mo |
| Nassau Life Insurance Company | $208/mo | $225/mo | $262/mo | $308/mo |
| Humana Insurance Company | $209/mo | $221/mo | $258/mo | $317/mo |
| Insurance Company of North America | $210/mo | $217/mo | $257/mo | $313/mo |
| Woodmen Of The World Life Insurance Society | $224/mo | $224/mo | $264/mo | $319/mo |
| American Benefit Life Insurance Company | $240/mo | $251/mo | $301/mo | $363/mo |
| AARP - UnitedHealthcare Insurance Company of America | $245/mo | $273/mo | $318/mo | $368/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $248/mo | $264/mo | $309/mo | $365/mo |
| USAA Life Insurance Company | $222/mo | $260/mo | $310/mo | $359/mo |
| Washington National Insurance Company | $251/mo | $304/mo | $368/mo | $439/mo |
| United World Life Insurance Company | $271/mo | $287/mo | $327/mo | $387/mo |
| Physicians Mutual Insurance Company, Inc. | $273/mo | $313/mo | $359/mo | $412/mo |
| State Farm Mutual Automobile Insurance Company | $269/mo | $338/mo | $392/mo | $441/mo |
| AARP - UnitedHealthcare Insurance Company | $281/mo | $309/mo | $378/mo | $448/mo |
| Guarantee Trust Life Insurance Company | $345/mo | $367/mo | $436/mo | $545/mo |
| United American Insurance Company | $374/mo | $470/mo | $531/mo | $582/mo |
| GPM Health and Life Insurance Company | $391/mo | $432/mo | $517/mo | $597/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 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest Lowest | $37/mo | $44/mo | $53/mo | $64/mo |
| United American Insurance Company | $45/mo | $59/mo | $73/mo | $80/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest Lowest | $41/mo | $48/mo | $58/mo | $71/mo |
| United American Insurance Company | $51/mo | $68/mo | $84/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 |
|---|---|---|---|---|
| LifeShield National Insurance Company Lowest | $139/mo | $144/mo | $177/mo | $217/mo |
| Physicians Mutual Insurance Company, Inc. | $140/mo | $161/mo | $185/mo | $212/mo |
| MedMutual Protect | $141/mo | $151/mo | $177/mo | $207/mo |
| HealthSpring National Health Insurance Company | $142/mo | $147/mo | $173/mo | $206/mo |
| AFLAC | $152/mo | $159/mo | $196/mo | $251/mo |
| Insurance Company of North America | $154/mo | $156/mo | $185/mo | $225/mo |
| Nassau Life Insurance Company | $154/mo | $162/mo | $197/mo | $234/mo |
| Humana Insurance Company | $156/mo | $165/mo | $193/mo | $237/mo |
| Woodmen Of The World Life Insurance Society | $157/mo | $159/mo | $191/mo | $240/mo |
| American Benefit Life Insurance Company | $161/mo | $165/mo | $201/mo | $245/mo |
| AARP - UnitedHealthcare Insurance Company of America | $162/mo | $180/mo | $210/mo | $243/mo |
| First Health Life & Health Insurance Company | $163/mo | $192/mo | $221/mo | $248/mo |
| Washington National Insurance Company | $163/mo | $211/mo | $270/mo | $338/mo |
| USAA Life Insurance Company | $172/mo | $217/mo | $250/mo | $291/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $175/mo | $185/mo | $218/mo | $256/mo |
| State Farm Mutual Automobile Insurance Company | $190/mo | $233/mo | $274/mo | $312/mo |
| AARP - UnitedHealthcare Insurance Company | $198/mo | $217/mo | $266/mo | $315/mo |
| United World Life Insurance Company | $205/mo | $214/mo | $249/mo | $300/mo |
| Guarantee Trust Life Insurance Company | $253/mo | $269/mo | $319/mo | $399/mo |
| GPM Health and Life Insurance Company | $256/mo | $282/mo | $338/mo | $390/mo |
| United American Insurance Company | $258/mo | $331/mo | $377/mo | $415/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| LifeShield National Insurance Company | $159/mo | $165/mo | $203/mo | $250/mo |
| Physicians Mutual Insurance Company, Inc. Lowest | $155/mo | $178/mo | $204/mo | $235/mo |
| MedMutual Protect | $155/mo | $166/mo | $194/mo | $228/mo |
| HealthSpring National Health Insurance Company | $159/mo | $165/mo | $194/mo | $231/mo |
| AFLAC | $174/mo | $183/mo | $225/mo | $288/mo |
| Insurance Company of North America | $174/mo | $176/mo | $209/mo | $255/mo |
| Nassau Life Insurance Company | $177/mo | $186/mo | $227/mo | $269/mo |
| Humana Insurance Company | $176/mo | $186/mo | $218/mo | $268/mo |
| Woodmen Of The World Life Insurance Society | $181/mo | $183/mo | $220/mo | $276/mo |
| American Benefit Life Insurance Company | $185/mo | $190/mo | $231/mo | $282/mo |
| AARP - UnitedHealthcare Insurance Company of America | $187/mo | $207/mo | $242/mo | $280/mo |
| First Health Life & Health Insurance Company | $176/mo | $208/mo | $239/mo | $267/mo |
| Washington National Insurance Company | $181/mo | $234/mo | $300/mo | $375/mo |
| USAA Life Insurance Company | $172/mo | $217/mo | $250/mo | $291/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $201/mo | $213/mo | $250/mo | $295/mo |
| State Farm Mutual Automobile Insurance Company | $195/mo | $257/mo | $310/mo | $358/mo |
| AARP - UnitedHealthcare Insurance Company | $223/mo | $245/mo | $301/mo | $356/mo |
| United World Life Insurance Company | $235/mo | $247/mo | $286/mo | $345/mo |
| Guarantee Trust Life Insurance Company | $283/mo | $301/mo | $358/mo | $447/mo |
| GPM Health and Life Insurance Company | $294/mo | $325/mo | $388/mo | $448/mo |
| United American Insurance Company | $297/mo | $381/mo | $434/mo | $477/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 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest Lowest | $29/mo | $34/mo | $41/mo | $50/mo |
| HealthSpring National Health Insurance Company | $42/mo | $44/mo | $51/mo | $61/mo |
| Washington National Insurance Company | $42/mo | $50/mo | $61/mo | $72/mo |
| United World Life Insurance Company | $43/mo | $45/mo | $53/mo | $64/mo |
| Humana Insurance Company | $44/mo | $48/mo | $57/mo | $66/mo |
| United American Insurance Company | $45/mo | $59/mo | $73/mo | $80/mo |
| MedMutual Protect | $48/mo | $51/mo | $60/mo | $71/mo |
| Woodmen Of The World Life Insurance Society | $48/mo | $50/mo | $60/mo | $73/mo |
| Insurance Company of North America | $49/mo | $49/mo | $59/mo | $71/mo |
| Physicians Mutual Insurance Company, Inc. | $59/mo | $71/mo | $86/mo | $103/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $63/mo | $67/mo | $79/mo | $93/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest Lowest | $32/mo | $38/mo | $45/mo | $55/mo |
| HealthSpring National Health Insurance Company | $47/mo | $49/mo | $58/mo | $68/mo |
| Washington National Insurance Company | $46/mo | $56/mo | $67/mo | $80/mo |
| United World Life Insurance Company | $49/mo | $52/mo | $61/mo | $74/mo |
| Humana Insurance Company | $50/mo | $55/mo | $64/mo | $75/mo |
| United American Insurance Company | $51/mo | $68/mo | $84/mo | $92/mo |
| MedMutual Protect | $53/mo | $57/mo | $66/mo | $78/mo |
| Woodmen Of The World Life Insurance Society | $56/mo | $58/mo | $69/mo | $84/mo |
| Insurance Company of North America | $55/mo | $56/mo | $66/mo | $80/mo |
| Physicians Mutual Insurance Company, Inc. | $65/mo | $79/mo | $95/mo | $114/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $73/mo | $77/mo | $90/mo | $107/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 | $94/mo | $103/mo | $127/mo | $150/mo |
| United American Insurance Company | $102/mo | $135/mo | $150/mo | $159/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $106/mo | $116/mo | $143/mo | $169/mo |
| United American Insurance Company | $117/mo | $155/mo | $173/mo | $183/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 | $141/mo | $155/mo | $191/mo | $226/mo |
| United American Insurance Company | $142/mo | $190/mo | $211/mo | $223/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $160/mo | $176/mo | $215/mo | $255/mo |
| United American Insurance Company | $163/mo | $218/mo | $243/mo | $257/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 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest Lowest | $85/mo | $93/mo | $109/mo | $130/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest Lowest | $94/mo | $102/mo | $120/mo | $143/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 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest Lowest | $88/mo | $96/mo | $113/mo | $135/mo |
| HealthSpring National Health Insurance Company | $97/mo | $106/mo | $124/mo | $148/mo |
| First Health Life & Health Insurance Company | $100/mo | $119/mo | $137/mo | $155/mo |
| MedMutual Protect | $100/mo | $107/mo | $125/mo | $147/mo |
| AFLAC | $101/mo | $110/mo | $137/mo | $175/mo |
| Insurance Company of North America | $102/mo | $104/mo | $123/mo | $150/mo |
| LifeShield National Insurance Company | $103/mo | $113/mo | $142/mo | $173/mo |
| Woodmen Of The World Life Insurance Society | $115/mo | $118/mo | $143/mo | $176/mo |
| AARP - UnitedHealthcare Insurance Company of America | $116/mo | $129/mo | $151/mo | $175/mo |
| Nassau Life Insurance Company | $116/mo | $124/mo | $152/mo | $181/mo |
| American Benefit Life Insurance Company | $119/mo | $130/mo | $162/mo | $203/mo |
| Washington National Insurance Company | $119/mo | $153/mo | $196/mo | $245/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $122/mo | $136/mo | $161/mo | $189/mo |
| Humana Insurance Company | $128/mo | $136/mo | $168/mo | $208/mo |
| GPM Health and Life Insurance Company | $134/mo | $148/mo | $177/mo | $204/mo |
| State Farm Mutual Automobile Insurance Company | $144/mo | $176/mo | $209/mo | $242/mo |
| United World Life Insurance Company | $155/mo | $163/mo | $189/mo | $227/mo |
| USAA Life Insurance Company | $157/mo | $183/mo | $218/mo | $253/mo |
| AARP - UnitedHealthcare Insurance Company | $176/mo | $194/mo | $237/mo | $281/mo |
| Guarantee Trust Life Insurance Company | $200/mo | $213/mo | $253/mo | $316/mo |
| Physicians Mutual Insurance Company, Inc. | $204/mo | $234/mo | $268/mo | $308/mo |
| United American Insurance Company | $262/mo | $339/mo | $388/mo | $434/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest Lowest | $97/mo | $105/mo | $124/mo | $148/mo |
| HealthSpring National Health Insurance Company | $109/mo | $118/mo | $139/mo | $165/mo |
| First Health Life & Health Insurance Company | $108/mo | $128/mo | $148/mo | $167/mo |
| MedMutual Protect | $110/mo | $117/mo | $137/mo | $161/mo |
| AFLAC | $115/mo | $126/mo | $157/mo | $200/mo |
| Insurance Company of North America | $115/mo | $118/mo | $139/mo | $170/mo |
| LifeShield National Insurance Company | $119/mo | $130/mo | $163/mo | $199/mo |
| Woodmen Of The World Life Insurance Society | $132/mo | $135/mo | $164/mo | $203/mo |
| AARP - UnitedHealthcare Insurance Company of America | $134/mo | $149/mo | $174/mo | $202/mo |
| Nassau Life Insurance Company | $133/mo | $142/mo | $174/mo | $208/mo |
| American Benefit Life Insurance Company | $137/mo | $149/mo | $187/mo | $233/mo |
| Washington National Insurance Company | $132/mo | $170/mo | $218/mo | $272/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $140/mo | $157/mo | $185/mo | $218/mo |
| Humana Insurance Company | $145/mo | $157/mo | $193/mo | $235/mo |
| GPM Health and Life Insurance Company | $154/mo | $170/mo | $203/mo | $234/mo |
| State Farm Mutual Automobile Insurance Company | $150/mo | $197/mo | $239/mo | $278/mo |
| United World Life Insurance Company | $178/mo | $187/mo | $217/mo | $261/mo |
| USAA Life Insurance Company | $157/mo | $183/mo | $218/mo | $253/mo |
| AARP - UnitedHealthcare Insurance Company | $199/mo | $219/mo | $268/mo | $318/mo |
| Guarantee Trust Life Insurance Company | $224/mo | $238/mo | $283/mo | $354/mo |
| Physicians Mutual Insurance Company, Inc. | $225/mo | $258/mo | $297/mo | $340/mo |
| United American Insurance Company | $301/mo | $390/mo | $447/mo | $499/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 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest | $100/mo | $113/mo | $134/mo | $159/mo |
| United American Insurance Company | $120/mo | $144/mo | $152/mo | $152/mo |
| United World Life Insurance Company | $143/mo | $151/mo | $172/mo | $204/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $145/mo | $154/mo | $181/mo | $213/mo |
| LifeShield National Insurance Company | $146/mo | $151/mo | $186/mo | $229/mo |
| USAA Life Insurance Company | $150/mo | $175/mo | $209/mo | $243/mo |
| Insurance Company of North America | $159/mo | $161/mo | $191/mo | $232/mo |
| State Farm Mutual Automobile Insurance Company | $159/mo | $201/mo | $233/mo | $261/mo |
| MedMutual Protect | $162/mo | $172/mo | $202/mo | $237/mo |
| Woodmen Of The World Life Insurance Society | $166/mo | $169/mo | $203/mo | $254/mo |
| HealthSpring National Health Insurance Company | $169/mo | $176/mo | $207/mo | $246/mo |
| American Benefit Life Insurance Company | $174/mo | $179/mo | $218/mo | $266/mo |
| Humana Insurance Company | $177/mo | $186/mo | $218/mo | $261/mo |
| AFLAC | $181/mo | $199/mo | $234/mo | $268/mo |
| Nassau Life Insurance Company | $181/mo | $190/mo | $231/mo | $271/mo |
| Physicians Mutual Insurance Company, Inc. | $202/mo | $232/mo | $267/mo | $306/mo |
| Washington National Insurance Company | $237/mo | $307/mo | $393/mo | $491/mo |
| Guarantee Trust Life Insurance Company | $251/mo | $266/mo | $300/mo | $346/mo |
| GPM Health and Life Insurance Company | $261/mo | $289/mo | $346/mo | $399/mo |
| AARP - UnitedHealthcare Insurance Company | $268/mo | $276/mo | $290/mo | $303/mo |
| AARP - UnitedHealthcare Insurance Company of America | $330/mo | $340/mo | $364/mo | $377/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest | $110/mo | $124/mo | $147/mo | $175/mo |
| United American Insurance Company | $138/mo | $166/mo | $175/mo | $175/mo |
| United World Life Insurance Company | $164/mo | $174/mo | $198/mo | $235/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $167/mo | $177/mo | $208/mo | $245/mo |
| LifeShield National Insurance Company | $168/mo | $174/mo | $214/mo | $263/mo |
| USAA Life Insurance Company | $150/mo | $175/mo | $209/mo | $243/mo |
| Insurance Company of North America | $180/mo | $182/mo | $216/mo | $263/mo |
| State Farm Mutual Automobile Insurance Company | $173/mo | $218/mo | $252/mo | $283/mo |
| MedMutual Protect | $178/mo | $190/mo | $222/mo | $261/mo |
| Woodmen Of The World Life Insurance Society | $191/mo | $194/mo | $233/mo | $292/mo |
| HealthSpring National Health Insurance Company | $190/mo | $197/mo | $232/mo | $276/mo |
| American Benefit Life Insurance Company | $200/mo | $206/mo | $251/mo | $306/mo |
| Humana Insurance Company | $202/mo | $212/mo | $248/mo | $297/mo |
| AFLAC | $208/mo | $227/mo | $268/mo | $308/mo |
| Nassau Life Insurance Company | $208/mo | $218/mo | $266/mo | $312/mo |
| Physicians Mutual Insurance Company, Inc. | $224/mo | $257/mo | $295/mo | $339/mo |
| Washington National Insurance Company | $264/mo | $341/mo | $436/mo | $546/mo |
| Guarantee Trust Life Insurance Company | $281/mo | $298/mo | $339/mo | $393/mo |
| GPM Health and Life Insurance Company | $301/mo | $332/mo | $398/mo | $459/mo |
| AARP - UnitedHealthcare Insurance Company | $302/mo | $311/mo | $327/mo | $341/mo |
| AARP - UnitedHealthcare Insurance Company of America | $380/mo | $392/mo | $420/mo | $434/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 |
|---|---|---|---|---|
| Continental Life Insurance Company of Brentwood, Tennessee | $156/mo | $166/mo | $195/mo | $229/mo |
| United American Insurance Company | $219/mo | $273/mo | $299/mo | $301/mo |
| AARP - UnitedHealthcare Insurance Company | $350/mo | $360/mo | $378/mo | $395/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Continental Life Insurance Company of Brentwood, Tennessee | $180/mo | $191/mo | $224/mo | $264/mo |
| United American Insurance Company | $252/mo | $314/mo | $344/mo | $346/mo |
| AARP - UnitedHealthcare Insurance Company | $394/mo | $406/mo | $426/mo | $445/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 | $250/mo | $315/mo | $366/mo | $411/mo |
| United American Insurance Company | $262/mo | $331/mo | $374/mo | $410/mo |
| AARP - UnitedHealthcare Insurance Company | $431/mo | $443/mo | $466/mo | $486/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $271/mo | $342/mo | $396/mo | $445/mo |
| United American Insurance Company | $302/mo | $380/mo | $430/mo | $471/mo |
| AARP - UnitedHealthcare Insurance Company | $486/mo | $500/mo | $526/mo | $549/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 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest | $156/mo | $158/mo | $186/mo | $223/mo |
| MedMutual Protect | $194/mo | $207/mo | $243/mo | $285/mo |
| State Farm Mutual Automobile Insurance Company | $194/mo | $237/mo | $279/mo | $318/mo |
| United American Insurance Company | $244/mo | $314/mo | $358/mo | $394/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest | $171/mo | $174/mo | $204/mo | $246/mo |
| MedMutual Protect | $214/mo | $228/mo | $268/mo | $314/mo |
| State Farm Mutual Automobile Insurance Company | $198/mo | $262/mo | $316/mo | $364/mo |
| United American Insurance Company | $281/mo | $361/mo | $411/mo | $452/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect | $163/mo | $173/mo | $204/mo | $239/mo |
| New Era Life Insurance Company of the Midwest | $177/mo | $180/mo | $212/mo | $255/mo |
| LifeShield National Insurance Company | $180/mo | $188/mo | $225/mo | $274/mo |
| AFLAC | $182/mo | $196/mo | $239/mo | $296/mo |
| Nassau Life Insurance Company | $189/mo | $205/mo | $238/mo | $281/mo |
| Humana Insurance Company | $194/mo | $203/mo | $238/mo | $289/mo |
| Insurance Company of North America | $194/mo | $200/mo | $237/mo | $288/mo |
| Woodmen Of The World Life Insurance Society | $207/mo | $207/mo | $245/mo | $295/mo |
| American Benefit Life Insurance Company | $219/mo | $228/mo | $274/mo | $330/mo |
| USAA Life Insurance Company | $222/mo | $260/mo | $310/mo | $359/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $230/mo | $244/mo | $287/mo | $338/mo |
| HealthSpring National Health Insurance Company | $244/mo | $252/mo | $292/mo | $342/mo |
| United World Life Insurance Company | $245/mo | $260/mo | $295/mo | $350/mo |
| State Farm Mutual Automobile Insurance Company | $253/mo | $319/mo | $369/mo | $415/mo |
| Physicians Mutual Insurance Company, Inc. | $260/mo | $299/mo | $343/mo | $394/mo |
| Washington National Insurance Company | $265/mo | $321/mo | $389/mo | $464/mo |
| Guarantee Trust Life Insurance Company | $318/mo | $337/mo | $401/mo | $502/mo |
| United American Insurance Company | $325/mo | $409/mo | $462/mo | $506/mo |
| GPM Health and Life Insurance Company | $352/mo | $389/mo | $466/mo | $537/mo |
| AARP - UnitedHealthcare Insurance Company | $432/mo | $444/mo | $467/mo | $488/mo |
| AARP - UnitedHealthcare Insurance Company of America | $442/mo | $454/mo | $468/mo | $483/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect | $179/mo | $191/mo | $224/mo | $263/mo |
| New Era Life Insurance Company of the Midwest | $195/mo | $198/mo | $233/mo | $280/mo |
| LifeShield National Insurance Company | $207/mo | $216/mo | $259/mo | $315/mo |
| AFLAC | $209/mo | $224/mo | $274/mo | $340/mo |
| Nassau Life Insurance Company | $217/mo | $235/mo | $274/mo | $323/mo |
| Humana Insurance Company | $221/mo | $231/mo | $272/mo | $330/mo |
| Insurance Company of North America | $219/mo | $226/mo | $268/mo | $326/mo |
| Woodmen Of The World Life Insurance Society | $238/mo | $238/mo | $281/mo | $340/mo |
| American Benefit Life Insurance Company | $252/mo | $262/mo | $315/mo | $380/mo |
| USAA Life Insurance Company | $222/mo | $260/mo | $310/mo | $359/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $264/mo | $281/mo | $330/mo | $389/mo |
| HealthSpring National Health Insurance Company | $273/mo | $282/mo | $327/mo | $383/mo |
| United World Life Insurance Company | $282/mo | $299/mo | $340/mo | $403/mo |
| State Farm Mutual Automobile Insurance Company | $274/mo | $345/mo | $400/mo | $449/mo |
| Physicians Mutual Insurance Company, Inc. | $288/mo | $330/mo | $379/mo | $435/mo |
| Washington National Insurance Company | $294/mo | $356/mo | $432/mo | $515/mo |
| Guarantee Trust Life Insurance Company | $356/mo | $378/mo | $449/mo | $562/mo |
| United American Insurance Company | $374/mo | $470/mo | $531/mo | $582/mo |
| GPM Health and Life Insurance Company | $405/mo | $447/mo | $535/mo | $618/mo |
| AARP - UnitedHealthcare Insurance Company | $488/mo | $501/mo | $527/mo | $550/mo |
| AARP - UnitedHealthcare Insurance Company of America | $509/mo | $523/mo | $539/mo | $557/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 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest | $38/mo | $45/mo | $54/mo | $66/mo |
| United American Insurance Company | $45/mo | $59/mo | $73/mo | $80/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest | $42/mo | $50/mo | $60/mo | $73/mo |
| United American Insurance Company | $51/mo | $68/mo | $84/mo | $92/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 | $147/mo | $152/mo | $187/mo | $230/mo |
| MedMutual Protect | $147/mo | $157/mo | $184/mo | $216/mo |
| AFLAC | $159/mo | $167/mo | $205/mo | $263/mo |
| Insurance Company of North America | $160/mo | $162/mo | $193/mo | $235/mo |
| Nassau Life Insurance Company | $161/mo | $169/mo | $206/mo | $245/mo |
| Humana Insurance Company | $164/mo | $171/mo | $203/mo | $247/mo |
| First Health Life & Health Insurance Company | $167/mo | $197/mo | $227/mo | $254/mo |
| Woodmen Of The World Life Insurance Society | $167/mo | $170/mo | $204/mo | $255/mo |
| American Benefit Life Insurance Company | $168/mo | $173/mo | $210/mo | $256/mo |
| USAA Life Insurance Company | $172/mo | $217/mo | $250/mo | $291/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $186/mo | $197/mo | $232/mo | $273/mo |
| Physicians Mutual Insurance Company, Inc. | $190/mo | $218/mo | $250/mo | $287/mo |
| Washington National Insurance Company | $191/mo | $247/mo | $317/mo | $396/mo |
| State Farm Mutual Automobile Insurance Company | $194/mo | $238/mo | $280/mo | $318/mo |
| HealthSpring National Health Insurance Company | $210/mo | $219/mo | $257/mo | $305/mo |
| United World Life Insurance Company | $213/mo | $223/mo | $259/mo | $312/mo |
| United American Insurance Company | $258/mo | $331/mo | $377/mo | $415/mo |
| Guarantee Trust Life Insurance Company | $260/mo | $277/mo | $329/mo | $412/mo |
| GPM Health and Life Insurance Company | $265/mo | $292/mo | $350/mo | $403/mo |
| AARP - UnitedHealthcare Insurance Company | $386/mo | $396/mo | $399/mo | $416/mo |
| AARP - UnitedHealthcare Insurance Company of America | $398/mo | $408/mo | $398/mo | $410/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| LifeShield National Insurance Company | $169/mo | $175/mo | $215/mo | $264/mo |
| MedMutual Protect | $162/mo | $173/mo | $202/mo | $238/mo |
| AFLAC | $182/mo | $191/mo | $235/mo | $301/mo |
| Insurance Company of North America | $181/mo | $184/mo | $218/mo | $265/mo |
| Nassau Life Insurance Company | $185/mo | $195/mo | $237/mo | $282/mo |
| Humana Insurance Company | $187/mo | $195/mo | $231/mo | $282/mo |
| First Health Life & Health Insurance Company | $181/mo | $213/mo | $245/mo | $274/mo |
| Woodmen Of The World Life Insurance Society | $192/mo | $195/mo | $234/mo | $294/mo |
| American Benefit Life Insurance Company | $193/mo | $199/mo | $242/mo | $295/mo |
| USAA Life Insurance Company | $172/mo | $217/mo | $250/mo | $291/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $214/mo | $227/mo | $266/mo | $314/mo |
| Physicians Mutual Insurance Company, Inc. | $210/mo | $241/mo | $277/mo | $318/mo |
| Washington National Insurance Company | $213/mo | $275/mo | $352/mo | $440/mo |
| State Farm Mutual Automobile Insurance Company | $198/mo | $262/mo | $316/mo | $365/mo |
| HealthSpring National Health Insurance Company | $235/mo | $245/mo | $288/mo | $342/mo |
| United World Life Insurance Company | $245/mo | $257/mo | $298/mo | $358/mo |
| United American Insurance Company | $297/mo | $381/mo | $434/mo | $477/mo |
| Guarantee Trust Life Insurance Company | $292/mo | $310/mo | $369/mo | $461/mo |
| GPM Health and Life Insurance Company | $305/mo | $336/mo | $402/mo | $464/mo |
| AARP - UnitedHealthcare Insurance Company | $436/mo | $447/mo | $451/mo | $469/mo |
| AARP - UnitedHealthcare Insurance Company of America | $459/mo | $470/mo | $458/mo | $472/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 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest | $30/mo | $35/mo | $42/mo | $52/mo |
| Humana Insurance Company | $45/mo | $48/mo | $57/mo | $68/mo |
| United American Insurance Company | $45/mo | $59/mo | $73/mo | $80/mo |
| United World Life Insurance Company | $45/mo | $47/mo | $55/mo | $67/mo |
| Washington National Insurance Company | $49/mo | $59/mo | $71/mo | $85/mo |
| MedMutual Protect | $50/mo | $54/mo | $63/mo | $74/mo |
| Insurance Company of North America | $51/mo | $51/mo | $61/mo | $74/mo |
| Woodmen Of The World Life Insurance Society | $52/mo | $53/mo | $64/mo | $78/mo |
| HealthSpring National Health Insurance Company | $62/mo | $65/mo | $76/mo | $91/mo |
| Physicians Mutual Insurance Company, Inc. | $62/mo | $75/mo | $91/mo | $109/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $67/mo | $71/mo | $84/mo | $99/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest | $33/mo | $39/mo | $47/mo | $57/mo |
| Humana Insurance Company | $51/mo | $55/mo | $65/mo | $78/mo |
| United American Insurance Company | $51/mo | $68/mo | $84/mo | $92/mo |
| United World Life Insurance Company | $51/mo | $54/mo | $64/mo | $77/mo |
| Washington National Insurance Company | $54/mo | $65/mo | $79/mo | $94/mo |
| MedMutual Protect | $55/mo | $59/mo | $69/mo | $81/mo |
| Insurance Company of North America | $57/mo | $58/mo | $69/mo | $84/mo |
| Woodmen Of The World Life Insurance Society | $59/mo | $61/mo | $73/mo | $90/mo |
| HealthSpring National Health Insurance Company | $70/mo | $73/mo | $85/mo | $101/mo |
| Physicians Mutual Insurance Company, Inc. | $69/mo | $83/mo | $100/mo | $121/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $77/mo | $82/mo | $96/mo | $113/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 | $102/mo | $135/mo | $150/mo | $159/mo |
| AARP - UnitedHealthcare Insurance Company | $163/mo | $168/mo | $177/mo | $185/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $117/mo | $155/mo | $173/mo | $183/mo |
| AARP - UnitedHealthcare Insurance Company | $184/mo | $190/mo | $199/mo | $208/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 | $142/mo | $190/mo | $211/mo | $223/mo |
| AARP - UnitedHealthcare Insurance Company | $246/mo | $253/mo | $266/mo | $278/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $163/mo | $218/mo | $243/mo | $257/mo |
| AARP - UnitedHealthcare Insurance Company | $278/mo | $286/mo | $300/mo | $313/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 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest | $89/mo | $97/mo | $114/mo | $136/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest | $98/mo | $106/mo | $126/mo | $150/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 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest | $92/mo | $100/mo | $118/mo | $141/mo |
| First Health Life & Health Insurance Company | $103/mo | $122/mo | $141/mo | $159/mo |
| MedMutual Protect | $104/mo | $111/mo | $130/mo | $153/mo |
| AFLAC | $105/mo | $115/mo | $144/mo | $183/mo |
| Insurance Company of North America | $106/mo | $108/mo | $129/mo | $156/mo |
| LifeShield National Insurance Company | $109/mo | $120/mo | $150/mo | $183/mo |
| Nassau Life Insurance Company | $121/mo | $129/mo | $159/mo | $190/mo |
| Woodmen Of The World Life Insurance Society | $122/mo | $125/mo | $152/mo | $187/mo |
| American Benefit Life Insurance Company | $124/mo | $136/mo | $170/mo | $212/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $130/mo | $145/mo | $171/mo | $202/mo |
| Humana Insurance Company | $131/mo | $141/mo | $171/mo | $210/mo |
| GPM Health and Life Insurance Company | $138/mo | $153/mo | $183/mo | $211/mo |
| Washington National Insurance Company | $139/mo | $180/mo | $230/mo | $288/mo |
| HealthSpring National Health Insurance Company | $144/mo | $157/mo | $184/mo | $219/mo |
| State Farm Mutual Automobile Insurance Company | $147/mo | $180/mo | $213/mo | $246/mo |
| USAA Life Insurance Company | $157/mo | $183/mo | $218/mo | $253/mo |
| United World Life Insurance Company | $161/mo | $169/mo | $196/mo | $236/mo |
| Guarantee Trust Life Insurance Company | $206/mo | $219/mo | $261/mo | $326/mo |
| Physicians Mutual Insurance Company, Inc. | $215/mo | $247/mo | $283/mo | $325/mo |
| United American Insurance Company | $262/mo | $339/mo | $388/mo | $434/mo |
| AARP - UnitedHealthcare Insurance Company | $329/mo | $338/mo | $346/mo | $361/mo |
| AARP - UnitedHealthcare Insurance Company of America | $340/mo | $347/mo | $322/mo | $331/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company of the Midwest | $102/mo | $110/mo | $130/mo | $155/mo |
| First Health Life & Health Insurance Company | $111/mo | $131/mo | $152/mo | $171/mo |
| MedMutual Protect | $114/mo | $122/mo | $143/mo | $168/mo |
| AFLAC | $121/mo | $132/mo | $164/mo | $209/mo |
| Insurance Company of North America | $120/mo | $122/mo | $145/mo | $177/mo |
| LifeShield National Insurance Company | $125/mo | $138/mo | $173/mo | $211/mo |
| Nassau Life Insurance Company | $139/mo | $149/mo | $182/mo | $218/mo |
| Woodmen Of The World Life Insurance Society | $141/mo | $144/mo | $174/mo | $216/mo |
| American Benefit Life Insurance Company | $143/mo | $156/mo | $195/mo | $244/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $149/mo | $167/mo | $197/mo | $232/mo |
| Humana Insurance Company | $149/mo | $161/mo | $195/mo | $240/mo |
| GPM Health and Life Insurance Company | $159/mo | $176/mo | $210/mo | $243/mo |
| Washington National Insurance Company | $155/mo | $200/mo | $256/mo | $320/mo |
| HealthSpring National Health Insurance Company | $161/mo | $176/mo | $206/mo | $245/mo |
| State Farm Mutual Automobile Insurance Company | $153/mo | $201/mo | $243/mo | $284/mo |
| USAA Life Insurance Company | $157/mo | $183/mo | $218/mo | $253/mo |
| United World Life Insurance Company | $186/mo | $194/mo | $226/mo | $272/mo |
| Guarantee Trust Life Insurance Company | $231/mo | $245/mo | $292/mo | $365/mo |
| Physicians Mutual Insurance Company, Inc. | $237/mo | $273/mo | $313/mo | $359/mo |
| United American Insurance Company | $301/mo | $390/mo | $447/mo | $499/mo |
| AARP - UnitedHealthcare Insurance Company | $372/mo | $382/mo | $391/mo | $408/mo |
| AARP - UnitedHealthcare Insurance Company of America | $392/mo | $400/mo | $371/mo | $381/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 Mississippi carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $114 – $123/mo |
| w / 6% HHD | $134 – $145/mo | |
| Standard II w / 20% HHD | $171 – $185/mo | |
| Standard II w / 6% HHD | $201 – $217/mo | |
| Standard II | $214 – $231/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $154/mo |
| Level 2 | $382/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $176 – $197/mo |
| Level 2 | $448 – $499/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $128 – $138/mo |
| w / 6% HHD | $150 – $162/mo | |
| Standard II w / 20% HHD | $192 – $207/mo | |
| Standard II w / 6% HHD | $225 – $243/mo | |
| Standard II | $240 – $258/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $174/mo |
| Level 2 | $431/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $203 – $227/mo |
| Level 2 | $516 – $575/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 Mississippi 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 | $201/mo |
| Level 2 | $498/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $227/mo |
| Level 2 | $562/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 Mississippi 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 | $248/mo |
| Level 2 | $613/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $280/mo |
| Level 2 | $692/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 Mississippi carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $164 – $177/mo |
| w / 6% HHD | $193 – $208/mo | |
| Standard II w / 20% HHD | $247 – $266/mo | |
| Standard II w / 6% HHD | $290 – $312/mo | |
| Standard II | $308 – $332/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $213 – $237/mo |
| Level 2 | $623 – $694/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $249/mo |
| Level 2 | $615/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $184 – $198/mo |
| w / 6% HHD | $216 – $233/mo | |
| Standard II w / 20% HHD | $276 – $298/mo | |
| Standard II w / 6% HHD | $325 – $350/mo | |
| Standard II | $345 – $372/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $245 – $274/mo |
| Level 2 | $717 – $799/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $281/mo |
| Level 2 | $694/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 Mississippi carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $142 – $153/mo |
| w / 6% HHD | $167 – $180/mo | |
| Standard II w / 20% HHD | $213 – $229/mo | |
| Standard II w / 6% HHD | $250 – $269/mo | |
| Standard II | $266 – $286/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $162 – $180/mo |
| Level 2 | $592 – $660/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $198/mo |
| Level 2 | $574/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $159 – $171/mo |
| w / 6% HHD | $187 – $201/mo | |
| Standard II w / 20% HHD | $238 – $257/mo | |
| Standard II w / 6% HHD | $280 – $302/mo | |
| Standard II | $298 – $321/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $187 – $208/mo |
| Level 2 | $682 – $760/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $223/mo |
| Level 2 | $648/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 Mississippi carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $42 – $45/mo |
| w / 6% HHD | $49 – $53/mo | |
| Standard II w / 20% HHD | $63 – $68/mo | |
| Standard II w / 6% HHD | $74 – $80/mo | |
| Standard II | $79 – $85/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $47 – $51/mo |
| w / 6% HHD | $55 – $60/mo | |
| Standard II w / 20% HHD | $71 – $76/mo | |
| Standard II w / 6% HHD | $83 – $89/mo | |
| Standard II | $88 – $95/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 Mississippi 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 | $94/mo |
| Level 2 | $233/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $106/mo |
| Level 2 | $263/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 Mississippi 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 | $141/mo |
| Level 2 | $351/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $160/mo |
| Level 2 | $396/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 Mississippi carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $97 – $105/mo |
| w / 6% HHD | $114 – $123/mo | |
| Standard II w / 20% HHD | $146 – $157/mo | |
| Standard II w / 6% HHD | $171 – $185/mo | |
| Standard II | $182 – $196/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $116 – $129/mo |
| Level 2 | $528 – $588/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $176/mo |
| Level 2 | $483/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $109 – $117/mo |
| w / 6% HHD | $128 – $138/mo | |
| Standard II w / 20% HHD | $163 – $176/mo | |
| Standard II w / 6% HHD | $192 – $207/mo | |
| Standard II | $204 – $220/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $134 – $150/mo |
| Level 2 | $608 – $677/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $199/mo |
| Level 2 | $545/mo |
Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.
Yes. You can technically apply for a Medicare Supplement policy at any point during the year. However, if you submit an application outside of your initial six-month Medigap Open Enrollment Period or a special guaranteed-issue window, insurance companies will require medical underwriting. This means they can review your health history, ask medical questions, and potentially deny you coverage or charge you a steeper premium based on pre-existing conditions.
Yes. To purchase any Medigap policy, you must already be actively enrolled in both Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance). Think of Original Medicare as the mighty Mississippi River--it forms the deep, foundational current of your healthcare, and you simply cannot navigate the supplemental waters without those core federal parts fully active.
For the vast majority of folks down South, Medicare eligibility officially begins at age 65. Your Initial Enrollment Period is a seven-month window that starts three months before your 65th birthday month, includes the month you blow out the candles, and extends for three months afterward. You can only start your coverage earlier than 65 if you have a qualifying long-term disability (after receiving Social Security Disability benefits for 24 months) or suffer from specific severe conditions like End-Stage Renal Disease (ESRD) or ALS.
No. You are not legally required by the state or federal government to purchase a Medicare Part D prescription drug plan. That being said, skipping it is rarely a wise decision. Modern Medigap plans do not cover your medications at the local pharmacy. If you decide to go without a standalone Part D plan when you are first eligible and don't have equivalent creditable drug coverage elsewhere, Medicare will permanently add a late-enrollment penalty to your monthly premium if you ever need to sign up in the future.
No. Mississippi does not currently have a state-mandated Medigap birthday rule in place. While a handful of other states grant policyholders an annual guaranteed window around their birthday to swap out their coverage without health questions, Mississippians do not enjoy this specific consumer protection. If you want to switch your Medigap carrier or plan later on to find a better rate, you will generally have to pass medical underwriting to get approved.
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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