Rate data current as of
Compare 2026 Medicare Supplement (Medigap) rates in Missouri. 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 | $295/mo |
| 70 | $335/mo |
| 75 | $379/mo |
| 80 | $428/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 Missouri. Averages roll up multiple carriers and rate classes for the age, gender, and plan letter you select. Your premium can still differ based on ZIP code, underwriting, household discounts, and how the carrier bills the policy. Treat tables as directional guidance, not a binding quote.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United World Life Insurance Company Lowest | $152/mo | $175/mo | $200/mo | $228/mo |
| First Health Life & Health Insurance Company | $156/mo | $172/mo | $184/mo | $190/mo |
| USAA Life Insurance Company | $164/mo | $177/mo | $186/mo | $194/mo |
| AARP - UnitedHealthcare Insurance Company | $166/mo | $208/mo | $238/mo | $265/mo |
| State Farm Mutual Automobile Insurance Company | $202/mo | $236/mo | $261/mo | $261/mo |
| Aetna Health and Life Insurance Company | $229/mo | $251/mo | $285/mo | $320/mo |
| Insurance Company of North America | $235/mo | $240/mo | $271/mo | $312/mo |
| Medico Life and Health Insurance Company | $241/mo | $241/mo | $252/mo | $279/mo |
| AFLAC | $242/mo | $259/mo | $288/mo | $324/mo |
| Washington National Insurance Company | $245/mo | $275/mo | $304/mo | $335/mo |
| LifeShield National Insurance Company | $247/mo | $265/mo | $297/mo | $335/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United World Life Insurance Company | $175/mo | $202/mo | $230/mo | $262/mo |
| First Health Life & Health Insurance Company | $169/mo | $186/mo | $199/mo | $206/mo |
| USAA Life Insurance Company Lowest | $164/mo | $177/mo | $186/mo | $194/mo |
| AARP - UnitedHealthcare Insurance Company | $184/mo | $231/mo | $265/mo | $294/mo |
| State Farm Mutual Automobile Insurance Company | $219/mo | $256/mo | $283/mo | $283/mo |
| Aetna Health and Life Insurance Company | $263/mo | $289/mo | $328/mo | $368/mo |
| Insurance Company of North America | $266/mo | $271/mo | $306/mo | $352/mo |
| Medico Life and Health Insurance Company | $277/mo | $277/mo | $289/mo | $321/mo |
| AFLAC | $278/mo | $297/mo | $331/mo | $371/mo |
| Washington National Insurance Company | $272/mo | $306/mo | $338/mo | $373/mo |
| LifeShield National Insurance Company | $270/mo | $290/mo | $325/mo | $366/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 | $184/mo | $207/mo | $227/mo | $244/mo |
| AARP - UnitedHealthcare Insurance Company | $236/mo | $295/mo | $339/mo | $376/mo |
| Aetna Health and Life Insurance Company | $280/mo | $308/mo | $348/mo | $392/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $198/mo | $223/mo | $245/mo | $262/mo |
| AARP - UnitedHealthcare Insurance Company | $262/mo | $328/mo | $376/mo | $418/mo |
| Aetna Health and Life Insurance Company | $322/mo | $354/mo | $401/mo | $450/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 | $317/mo | $371/mo | $410/mo | $410/mo |
| AARP - UnitedHealthcare Insurance Company | $320/mo | $402/mo | $460/mo | $511/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $343/mo | $401/mo | $444/mo | $444/mo |
| AARP - UnitedHealthcare Insurance Company | $356/mo | $446/mo | $512/mo | $568/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 | $223/mo | $254/mo | $281/mo | $306/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $246/mo | $286/mo | $322/mo | $355/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 | $192/mo | $218/mo | $241/mo | $261/mo |
| AFLAC | $302/mo | $318/mo | $358/mo | $412/mo |
| Washington National Insurance Company | $302/mo | $366/mo | $424/mo | $477/mo |
| USAA Life Insurance Company | $308/mo | $328/mo | $348/mo | $361/mo |
| LifeShield National Insurance Company | $312/mo | $335/mo | $376/mo | $424/mo |
| State Farm Mutual Automobile Insurance Company | $317/mo | $371/mo | $410/mo | $410/mo |
| AARP - UnitedHealthcare Insurance Company | $325/mo | $407/mo | $466/mo | $518/mo |
| Aetna Health and Life Insurance Company | $330/mo | $363/mo | $411/mo | $462/mo |
| Insurance Company of North America | $351/mo | $358/mo | $403/mo | $465/mo |
| Medico Life and Health Insurance Company | $399/mo | $399/mo | $417/mo | $462/mo |
| United World Life Insurance Company | $478/mo | $536/mo | $600/mo | $689/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $206/mo | $233/mo | $258/mo | $280/mo |
| AFLAC | $347/mo | $365/mo | $411/mo | $472/mo |
| Washington National Insurance Company | $335/mo | $406/mo | $471/mo | $530/mo |
| USAA Life Insurance Company | $308/mo | $328/mo | $348/mo | $361/mo |
| LifeShield National Insurance Company | $342/mo | $367/mo | $412/mo | $464/mo |
| State Farm Mutual Automobile Insurance Company | $344/mo | $402/mo | $445/mo | $445/mo |
| AARP - UnitedHealthcare Insurance Company | $361/mo | $452/mo | $519/mo | $576/mo |
| Aetna Health and Life Insurance Company | $380/mo | $417/mo | $473/mo | $531/mo |
| Insurance Company of North America | $397/mo | $405/mo | $456/mo | $526/mo |
| Medico Life and Health Insurance Company | $459/mo | $459/mo | $480/mo | $532/mo |
| United World Life Insurance Company | $549/mo | $616/mo | $690/mo | $793/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 |
|---|---|---|---|---|
| Aetna Health and Life Insurance Company Lowest | $58/mo | $64/mo | $72/mo | $81/mo |
| Medico Life and Health Insurance Company | $98/mo | $98/mo | $103/mo | $114/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Aetna Health and Life Insurance Company Lowest | $67/mo | $73/mo | $83/mo | $94/mo |
| Medico Life and Health Insurance Company | $113/mo | $113/mo | $118/mo | $131/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 | $177/mo | $202/mo | $225/mo | $245/mo |
| Washington National Insurance Company | $201/mo | $259/mo | $332/mo | $415/mo |
| AARP - UnitedHealthcare Insurance Company | $222/mo | $279/mo | $319/mo | $355/mo |
| State Farm Mutual Automobile Insurance Company | $223/mo | $254/mo | $282/mo | $306/mo |
| Aetna Health and Life Insurance Company | $234/mo | $257/mo | $292/mo | $328/mo |
| Insurance Company of North America | $238/mo | $243/mo | $273/mo | $315/mo |
| AFLAC | $246/mo | $269/mo | $314/mo | $371/mo |
| LifeShield National Insurance Company | $248/mo | $266/mo | $299/mo | $336/mo |
| USAA Life Insurance Company | $252/mo | $287/mo | $324/mo | $358/mo |
| United World Life Insurance Company | $277/mo | $319/mo | $364/mo | $414/mo |
| Medico Life and Health Insurance Company | $310/mo | $310/mo | $324/mo | $359/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $189/mo | $215/mo | $240/mo | $261/mo |
| Washington National Insurance Company | $223/mo | $288/mo | $369/mo | $461/mo |
| AARP - UnitedHealthcare Insurance Company | $247/mo | $310/mo | $355/mo | $394/mo |
| State Farm Mutual Automobile Insurance Company | $246/mo | $287/mo | $323/mo | $355/mo |
| Aetna Health and Life Insurance Company | $269/mo | $296/mo | $336/mo | $377/mo |
| Insurance Company of North America | $269/mo | $274/mo | $309/mo | $356/mo |
| AFLAC | $282/mo | $309/mo | $360/mo | $425/mo |
| LifeShield National Insurance Company | $271/mo | $292/mo | $327/mo | $368/mo |
| USAA Life Insurance Company | $252/mo | $287/mo | $324/mo | $358/mo |
| United World Life Insurance Company | $318/mo | $366/mo | $419/mo | $476/mo |
| Medico Life and Health Insurance Company | $357/mo | $357/mo | $373/mo | $413/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 |
|---|---|---|---|---|
| Washington National Insurance Company Lowest | $53/mo | $64/mo | $78/mo | $92/mo |
| United World Life Insurance Company | $55/mo | $63/mo | $72/mo | $82/mo |
| Medico Life and Health Insurance Company | $77/mo | $77/mo | $81/mo | $95/mo |
| Insurance Company of North America | $84/mo | $86/mo | $96/mo | $111/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Washington National Insurance Company Lowest | $59/mo | $71/mo | $86/mo | $102/mo |
| United World Life Insurance Company | $63/mo | $72/mo | $83/mo | $98/mo |
| Medico Life and Health Insurance Company | $94/mo | $94/mo | $98/mo | $103/mo |
| Insurance Company of North America | $95/mo | $97/mo | $109/mo | $126/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 | $95/mo | $119/mo | $137/mo | $152/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $106/mo | $133/mo | $153/mo | $169/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 | $160/mo | $201/mo | $231/mo | $256/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $178/mo | $224/mo | $256/mo | $285/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 |
|---|---|---|---|---|
| Washington National Insurance Company Lowest | $146/mo | $189/mo | $242/mo | $272/mo |
| Insurance Company of North America | $165/mo | $170/mo | $197/mo | $228/mo |
| First Health Life & Health Insurance Company | $168/mo | $192/mo | $215/mo | $236/mo |
| State Farm Mutual Automobile Insurance Company | $171/mo | $196/mo | $220/mo | $243/mo |
| AFLAC | $174/mo | $191/mo | $219/mo | $258/mo |
| United World Life Insurance Company | $178/mo | $200/mo | $228/mo | $259/mo |
| LifeShield National Insurance Company | $190/mo | $214/mo | $245/mo | $284/mo |
| AARP - UnitedHealthcare Insurance Company | $193/mo | $243/mo | $278/mo | $309/mo |
| Medico Life and Health Insurance Company | $219/mo | $219/mo | $229/mo | $254/mo |
| Aetna Health and Life Insurance Company | $223/mo | $250/mo | $283/mo | $318/mo |
| USAA Life Insurance Company | $224/mo | $239/mo | $253/mo | $263/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Washington National Insurance Company Lowest | $163/mo | $210/mo | $269/mo | $302/mo |
| Insurance Company of North America | $186/mo | $192/mo | $223/mo | $258/mo |
| First Health Life & Health Insurance Company | $178/mo | $203/mo | $228/mo | $250/mo |
| State Farm Mutual Automobile Insurance Company | $191/mo | $222/mo | $252/mo | $280/mo |
| AFLAC | $200/mo | $219/mo | $251/mo | $296/mo |
| United World Life Insurance Company | $205/mo | $230/mo | $262/mo | $298/mo |
| LifeShield National Insurance Company | $208/mo | $234/mo | $268/mo | $311/mo |
| AARP - UnitedHealthcare Insurance Company | $215/mo | $270/mo | $309/mo | $343/mo |
| Medico Life and Health Insurance Company | $252/mo | $252/mo | $263/mo | $292/mo |
| Aetna Health and Life Insurance Company | $257/mo | $288/mo | $325/mo | $365/mo |
| USAA Life Insurance Company | $224/mo | $239/mo | $253/mo | $263/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 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $160/mo | $177/mo | $189/mo | $196/mo |
| United World Life Insurance Company | $161/mo | $186/mo | $212/mo | $241/mo |
| USAA Life Insurance Company | $164/mo | $177/mo | $186/mo | $194/mo |
| State Farm Mutual Automobile Insurance Company | $206/mo | $241/mo | $266/mo | $266/mo |
| AARP - UnitedHealthcare Insurance Company | $217/mo | $272/mo | $312/mo | $346/mo |
| Aetna Health and Life Insurance Company | $243/mo | $267/mo | $302/mo | $340/mo |
| Insurance Company of North America | $248/mo | $253/mo | $286/mo | $329/mo |
| AFLAC | $256/mo | $274/mo | $304/mo | $342/mo |
| LifeShield National Insurance Company | $260/mo | $280/mo | $314/mo | $353/mo |
| Washington National Insurance Company | $288/mo | $324/mo | $358/mo | $395/mo |
| Medico Life and Health Insurance Company | $290/mo | $290/mo | $304/mo | $337/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $174/mo | $191/mo | $205/mo | $213/mo |
| United World Life Insurance Company | $185/mo | $213/mo | $244/mo | $277/mo |
| USAA Life Insurance Company | $164/mo | $177/mo | $186/mo | $194/mo |
| State Farm Mutual Automobile Insurance Company | $223/mo | $261/mo | $289/mo | $289/mo |
| AARP - UnitedHealthcare Insurance Company | $241/mo | $302/mo | $347/mo | $385/mo |
| Aetna Health and Life Insurance Company | $279/mo | $307/mo | $347/mo | $390/mo |
| Insurance Company of North America | $281/mo | $286/mo | $323/mo | $372/mo |
| AFLAC | $293/mo | $314/mo | $349/mo | $392/mo |
| LifeShield National Insurance Company | $285/mo | $306/mo | $343/mo | $387/mo |
| Washington National Insurance Company | $320/mo | $360/mo | $398/mo | $439/mo |
| Medico Life and Health Insurance Company | $334/mo | $334/mo | $349/mo | $387/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 | $189/mo | $213/mo | $234/mo | $251/mo |
| Aetna Health and Life Insurance Company | $297/mo | $326/mo | $369/mo | $415/mo |
| AARP - UnitedHealthcare Insurance Company | $308/mo | $386/mo | $443/mo | $491/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $204/mo | $229/mo | $252/mo | $270/mo |
| Aetna Health and Life Insurance Company | $341/mo | $375/mo | $425/mo | $477/mo |
| AARP - UnitedHealthcare Insurance Company | $342/mo | $429/mo | $492/mo | $546/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 | $323/mo | $378/mo | $418/mo | $418/mo |
| AARP - UnitedHealthcare Insurance Company | $401/mo | $502/mo | $576/mo | $639/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $350/mo | $410/mo | $453/mo | $453/mo |
| AARP - UnitedHealthcare Insurance Company | $446/mo | $558/mo | $640/mo | $711/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 | $227/mo | $259/mo | $287/mo | $312/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $251/mo | $292/mo | $328/mo | $362/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 | $198/mo | $224/mo | $248/mo | $269/mo |
| USAA Life Insurance Company | $308/mo | $328/mo | $348/mo | $361/mo |
| AFLAC | $319/mo | $336/mo | $378/mo | $435/mo |
| State Farm Mutual Automobile Insurance Company | $324/mo | $379/mo | $419/mo | $419/mo |
| LifeShield National Insurance Company | $329/mo | $354/mo | $397/mo | $447/mo |
| Aetna Health and Life Insurance Company | $350/mo | $384/mo | $436/mo | $490/mo |
| Washington National Insurance Company | $356/mo | $431/mo | $500/mo | $562/mo |
| Insurance Company of North America | $371/mo | $378/mo | $426/mo | $491/mo |
| AARP - UnitedHealthcare Insurance Company | $406/mo | $509/mo | $583/mo | $647/mo |
| Medico Life and Health Insurance Company | $482/mo | $482/mo | $504/mo | $558/mo |
| United World Life Insurance Company | $505/mo | $567/mo | $635/mo | $729/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $212/mo | $240/mo | $266/mo | $288/mo |
| USAA Life Insurance Company | $308/mo | $328/mo | $348/mo | $361/mo |
| AFLAC | $366/mo | $385/mo | $433/mo | $499/mo |
| State Farm Mutual Automobile Insurance Company | $351/mo | $410/mo | $454/mo | $454/mo |
| LifeShield National Insurance Company | $361/mo | $388/mo | $435/mo | $489/mo |
| Aetna Health and Life Insurance Company | $402/mo | $442/mo | $501/mo | $563/mo |
| Washington National Insurance Company | $395/mo | $479/mo | $555/mo | $625/mo |
| Insurance Company of North America | $419/mo | $427/mo | $481/mo | $555/mo |
| AARP - UnitedHealthcare Insurance Company | $452/mo | $566/mo | $649/mo | $720/mo |
| Medico Life and Health Insurance Company | $554/mo | $554/mo | $579/mo | $642/mo |
| United World Life Insurance Company | $581/mo | $652/mo | $730/mo | $839/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 and Life Insurance Company | $62/mo | $68/mo | $77/mo | $86/mo |
| Medico Life and Health Insurance Company | $117/mo | $117/mo | $124/mo | $137/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Aetna Health and Life Insurance Company | $71/mo | $78/mo | $88/mo | $99/mo |
| Medico Life and Health Insurance Company | $136/mo | $136/mo | $142/mo | $158/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $183/mo | $208/mo | $231/mo | $252/mo |
| State Farm Mutual Automobile Insurance Company | $228/mo | $259/mo | $288/mo | $313/mo |
| Washington National Insurance Company | $236/mo | $305/mo | $391/mo | $489/mo |
| Aetna Health and Life Insurance Company | $248/mo | $273/mo | $309/mo | $347/mo |
| Insurance Company of North America | $251/mo | $256/mo | $288/mo | $333/mo |
| USAA Life Insurance Company | $252/mo | $287/mo | $324/mo | $358/mo |
| AFLAC | $260/mo | $284/mo | $331/mo | $392/mo |
| LifeShield National Insurance Company | $262/mo | $281/mo | $315/mo | $355/mo |
| United World Life Insurance Company | $293/mo | $337/mo | $385/mo | $438/mo |
| AARP - UnitedHealthcare Insurance Company | $338/mo | $424/mo | $486/mo | $540/mo |
| Medico Life and Health Insurance Company | $374/mo | $374/mo | $391/mo | $434/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $195/mo | $222/mo | $247/mo | $269/mo |
| State Farm Mutual Automobile Insurance Company | $251/mo | $293/mo | $329/mo | $362/mo |
| Washington National Insurance Company | $263/mo | $339/mo | $434/mo | $543/mo |
| Aetna Health and Life Insurance Company | $286/mo | $314/mo | $356/mo | $399/mo |
| Insurance Company of North America | $284/mo | $289/mo | $326/mo | $376/mo |
| USAA Life Insurance Company | $252/mo | $287/mo | $324/mo | $358/mo |
| AFLAC | $298/mo | $326/mo | $380/mo | $449/mo |
| LifeShield National Insurance Company | $286/mo | $308/mo | $345/mo | $389/mo |
| United World Life Insurance Company | $337/mo | $388/mo | $443/mo | $504/mo |
| AARP - UnitedHealthcare Insurance Company | $376/mo | $472/mo | $541/mo | $600/mo |
| Medico Life and Health Insurance Company | $430/mo | $430/mo | $450/mo | $499/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United World Life Insurance Company | $58/mo | $67/mo | $76/mo | $86/mo |
| Washington National Insurance Company | $62/mo | $75/mo | $91/mo | $109/mo |
| Insurance Company of North America | $89/mo | $90/mo | $102/mo | $117/mo |
| Medico Life and Health Insurance Company | $91/mo | $91/mo | $98/mo | $107/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United World Life Insurance Company | $66/mo | $76/mo | $87/mo | $101/mo |
| Washington National Insurance Company | $69/mo | $84/mo | $101/mo | $121/mo |
| Insurance Company of North America | $100/mo | $102/mo | $115/mo | $133/mo |
| Medico Life and Health Insurance Company | $106/mo | $106/mo | $113/mo | $124/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 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company | $124/mo | $156/mo | $179/mo | $199/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company | $139/mo | $174/mo | $200/mo | $222/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 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company | $210/mo | $263/mo | $302/mo | $335/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company | $233/mo | $293/mo | $335/mo | $372/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 | $173/mo | $197/mo | $221/mo | $243/mo |
| Washington National Insurance Company | $173/mo | $223/mo | $285/mo | $321/mo |
| Insurance Company of North America | $174/mo | $179/mo | $208/mo | $241/mo |
| State Farm Mutual Automobile Insurance Company | $174/mo | $200/mo | $224/mo | $248/mo |
| AFLAC | $184/mo | $202/mo | $231/mo | $272/mo |
| United World Life Insurance Company | $188/mo | $211/mo | $241/mo | $275/mo |
| LifeShield National Insurance Company | $201/mo | $226/mo | $259/mo | $300/mo |
| USAA Life Insurance Company | $224/mo | $239/mo | $253/mo | $263/mo |
| Aetna Health and Life Insurance Company | $237/mo | $265/mo | $300/mo | $337/mo |
| Medico Life and Health Insurance Company | $264/mo | $264/mo | $276/mo | $306/mo |
| AARP - UnitedHealthcare Insurance Company | $291/mo | $364/mo | $418/mo | $464/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $183/mo | $210/mo | $235/mo | $258/mo |
| Washington National Insurance Company | $192/mo | $247/mo | $317/mo | $356/mo |
| Insurance Company of North America | $197/mo | $203/mo | $235/mo | $272/mo |
| State Farm Mutual Automobile Insurance Company | $194/mo | $227/mo | $257/mo | $286/mo |
| AFLAC | $211/mo | $231/mo | $265/mo | $312/mo |
| United World Life Insurance Company | $216/mo | $243/mo | $278/mo | $316/mo |
| LifeShield National Insurance Company | $220/mo | $247/mo | $283/mo | $328/mo |
| USAA Life Insurance Company | $224/mo | $239/mo | $253/mo | $263/mo |
| Aetna Health and Life Insurance Company | $272/mo | $305/mo | $345/mo | $387/mo |
| Medico Life and Health Insurance Company | $304/mo | $304/mo | $318/mo | $352/mo |
| AARP - UnitedHealthcare Insurance Company | $323/mo | $405/mo | $464/mo | $515/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 Missouri carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $166 – $181/mo |
| Level 2 | $249 – $272/mo | |
| Medico Life and Health Insurance Company | Preferred | $241 – $280/mo |
| Standard I | $265 – $307/mo | |
| Standard II | $301 – $349/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $184 – $201/mo |
| Level 2 | $277 – $302/mo | |
| Medico Life and Health Insurance Company | Preferred | $277 – $321/mo |
| Standard I | $304 – $354/mo | |
| Standard II | $346 – $402/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 Missouri 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 | $236 – $257/mo |
| Level 2 | $354 – $386/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $262 – $285/mo |
| Level 2 | $394 – $429/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 Missouri 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 | $320/mo |
| Level 2 | $481/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $356/mo |
| Level 2 | $535/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 Missouri 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 | $325/mo |
| Level 2 | $488/mo | |
| Medico Life and Health Insurance Company | Preferred | $399 – $463/mo |
| Standard I | $439 – $510/mo | |
| Standard II | $499 – $579/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $361/mo |
| Level 2 | $543/mo | |
| Medico Life and Health Insurance Company | Preferred | $459 – $533/mo |
| Standard I | $505 – $586/mo | |
| Standard II | $574 – $666/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 Missouri carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Life and Health Insurance Company | Preferred | $98 – $104/mo |
| Standard I | $108 – $125/mo | |
| Standard II | $123 – $143/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Life and Health Insurance Company | Preferred | $113 – $131/mo |
| Standard I | $124 – $144/mo | |
| Standard II | $141 – $164/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 Missouri 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 | $222 – $242/mo |
| Level 2 | $426 – $464/mo | |
| Medico Life and Health Insurance Company | Preferred | $310 – $360/mo |
| Standard I | $341 – $396/mo | |
| Standard II | $388 – $450/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $247 – $269/mo |
| Level 2 | $474 – $516/mo | |
| Medico Life and Health Insurance Company | Preferred | $357 – $414/mo |
| Standard I | $392 – $456/mo | |
| Standard II | $446 – $518/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 Missouri carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Life and Health Insurance Company | Preferred | $77 – $89/mo |
| Standard I | $85 – $98/mo | |
| Standard II | $96 – $102/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Life and Health Insurance Company | Preferred | $94 – $103/mo |
| Standard I | $97 – $103/mo | |
| Standard II | $111 – $129/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 Missouri 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 | $95 – $104/mo |
| Level 2 | $143 – $156/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $106 – $115/mo |
| Level 2 | $160 – $174/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 Missouri 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 | $160 – $175/mo |
| Level 2 | $241 – $263/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $178 – $194/mo |
| Level 2 | $268 – $292/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 Missouri 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 | $193 – $211/mo |
| Level 2 | $363 – $396/mo | |
| Medico Life and Health Insurance Company | Preferred | $219 – $254/mo |
| Standard I | $241 – $280/mo | |
| Standard II | $274 – $318/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $215 – $234/mo |
| Level 2 | $404 – $440/mo | |
| Medico Life and Health Insurance Company | Preferred | $252 – $292/mo |
| Standard I | $277 – $322/mo | |
| Standard II | $315 – $365/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.
Missouri has an Anniversary Rule. You get a 60-day window centered on your policy's start date to switch carriers for the exact same plan letter (e.g., Plan G to Plan G) to find a cheaper rate. The new carrier cannot ask health questions or raise premiums based on your medical history.
For most beneficiaries, Medicare eligibility begins at 65. Enrolling right at 65 guarantees baseline, preferred pricing from private insurers. Delaying enrollment without a valid employer health plan results in late penalties that permanently increase your monthly premium.
Yes. Both parts are required to sign up for a Medicare Supplement plan. Your total monthly cost includes the Part B premium plus your private Medigap premium. This trade-off gives you predictability, trading hospital copays for a steady monthly bill.
Yes, applications are accepted year-round. However, applying at a time of the year outside your initial 6 months, a qualifying life event, or during your annual anniversary window requires you to go through medical underwriting. Depending on health history and diagnoses, you may have higher quoted premium costs.
Yes, you can! Under Missouri law, if you are under 65 and on Medicare due to a disability or ESRD, you are granted a 6-month Medigap Open Enrollment Period starting the month your Medicare Part B becomes active. Also know that if you enroll in a Medigap plan before 65, you will still have your Medigap Open Enrollment period around your 65th birthday to enroll in a new plan at the standard 65 rate.
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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