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2026 Medicare Supplement in Montana

Rate data current as of

Attained-Age
Get an overview of Medicare Supplement rates in Montana across all available plan letters, including Plans G, N and F.
medicare supplement in montana
OVERVIEW

At A Glance: Medicare Supplement in Montana

Compare 2026 Medicare Supplement (Medigap) rates in Montana. 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.


15
Carriers in Montana
$221/mo
Avg. Plan G
$182/mo
Avg. Plan N
$291/mo
Avg. Plan F

2026 averages for age 65, non-tobacco. Rates vary by carrier, ZIP, and underwriting.

Gender:

Average Medigap Rates in Montana

2026 average monthly premiums for non-tobacco users across all carriers.

Average Plan G Rates in Montana 2026 averages · Non-tobacco · All carriers
Age Avg. Monthly Rate
65 $221/mo
70 $248/mo
75 $291/mo
80 $329/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.


CARRIERS

Medicare Supplement Insurance Providers in Montana

Plan A Rate Ranges by Carrier in Montana

Age 65 · Non-tobacco · 2026 · Rate varies by zip

United American Insurance Company
$109 /mo
Age 65 · Non-tobacco · Rate varies by zip
First Health Life & Health Insurance Company
$113 /mo
Age 65 · Non-tobacco · Rate varies by zip
HealthSpring National Health Insurance Company
$124 $233 /mo
Age 65 · Non-tobacco · Rate varies by zip
Old Surety Life Insurance Company
$134 /mo
Age 65 · Non-tobacco · Rate varies by zip
Washington National Insurance Company
$143 $176 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$146 $344 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$146 $199 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$159 /mo
Age 65 · Non-tobacco · Rate varies by zip
Woodmen Of The World Life Insurance Society
$159 /mo
Age 65 · Non-tobacco · Rate varies by zip
Insurance Company of North America
$162 /mo
Age 65 · Non-tobacco · Rate varies by zip
AFLAC
$188 /mo
Age 65 · Non-tobacco · Rate varies by zip
Blue Cross Blue Shield of Montana
$202 /mo
Age 65 · Non-tobacco · Rate varies by zip
Everence Association Inc.
$223 /mo
Age 65 · Non-tobacco · Rate varies by zip
Continental Life Insurance Company of Brentwood, Tennessee
$231 /mo
Age 65 · Non-tobacco · Rate varies by zip
Guarantee Trust Life Insurance Company
$337 /mo
Age 65 · Non-tobacco · 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.

Plan B Rate Ranges by Carrier in Montana

Age 65 · Non-tobacco · 2026 · Rate varies by zip

First Health Life & Health Insurance Company
$129 /mo
Age 65 · Non-tobacco · Rate varies by zip
Continental Life Insurance Company of Brentwood, Tennessee
$181 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$198 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$216 $509 /mo
Age 65 · Non-tobacco · Rate varies by zip
United American Insurance Company
$236 /mo
Age 65 · Non-tobacco · 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.

Plan C Rate Ranges by Carrier in Montana

Age 65 · Non-tobacco · 2026 · Rate varies by zip

AARP - UnitedHealthcare Insurance Company
$258 $607 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$262 /mo
Age 65 · Non-tobacco · Rate varies by zip
United American Insurance Company
$268 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$270 /mo
Age 65 · Non-tobacco · 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.

Plan D Rate Ranges by Carrier in Montana

Age 65 · Non-tobacco · 2026 · Rate varies by zip

State Farm Mutual Automobile Insurance Company
$196 /mo
Age 65 · Non-tobacco · Rate varies by zip
United American Insurance Company
$250 /mo
Age 65 · Non-tobacco · 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.

Plan F Rate Ranges by Carrier in Montana

Age 65 · Non-tobacco · 2026 · Rate varies by zip

First Health Life & Health Insurance Company
$164 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$193 $357 /mo
Age 65 · Non-tobacco · Rate varies by zip
HealthSpring National Health Insurance Company
$200 $376 /mo
Age 65 · Non-tobacco · Rate varies by zip
Insurance Company of North America
$226 /mo
Age 65 · Non-tobacco · Rate varies by zip
Washington National Insurance Company
$230 $284 /mo
Age 65 · Non-tobacco · Rate varies by zip
Woodmen Of The World Life Insurance Society
$230 /mo
Age 65 · Non-tobacco · Rate varies by zip
AFLAC
$235 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$260 $611 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$272 /mo
Age 65 · Non-tobacco · Rate varies by zip
Everence Association Inc.
$273 /mo
Age 65 · Non-tobacco · Rate varies by zip
Blue Cross Blue Shield of Montana
$284 /mo
Age 65 · Non-tobacco · Rate varies by zip
United American Insurance Company
$289 /mo
Age 65 · Non-tobacco · Rate varies by zip
Continental Life Insurance Company of Brentwood, Tennessee
$295 /mo
Age 65 · Non-tobacco · Rate varies by zip
Old Surety Life Insurance Company
$369 /mo
Age 65 · Non-tobacco · Rate varies by zip
Guarantee Trust Life Insurance Company
$427 /mo
Age 65 · Non-tobacco · 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.

High-Deductible Plan F Rate Ranges by Carrier in Montana

Age 65 · Non-tobacco · 2026 · Rate varies by zip

Humana Insurance Company
$44 $48 /mo
Age 65 · Non-tobacco · Rate varies by zip
United American Insurance Company
$54 /mo
Age 65 · Non-tobacco · Rate varies by zip
Continental Life Insurance Company of Brentwood, Tennessee
$69 /mo
Age 65 · Non-tobacco · Rate varies by zip
Blue Cross Blue Shield of Montana
$104 /mo
Age 65 · Non-tobacco · 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.

Plan G Rate Ranges by Carrier in Montana

Age 65 · Non-tobacco · 2026 · Rate varies by zip

HealthSpring National Health Insurance Company
$125 $234 /mo
Age 65 · Non-tobacco · Rate varies by zip
First Health Life & Health Insurance Company
$138 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$153 $249 /mo
Age 65 · Non-tobacco · Rate varies by zip
Insurance Company of North America
$163 /mo
Age 65 · Non-tobacco · Rate varies by zip
Washington National Insurance Company
$169 $209 /mo
Age 65 · Non-tobacco · Rate varies by zip
Woodmen Of The World Life Insurance Society
$169 /mo
Age 65 · Non-tobacco · Rate varies by zip
Old Surety Life Insurance Company
$179 /mo
Age 65 · Non-tobacco · Rate varies by zip
AFLAC
$190 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$196 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$204 $581 /mo
Age 65 · Non-tobacco · Rate varies by zip
United American Insurance Company
$228 /mo
Age 65 · Non-tobacco · Rate varies by zip
Continental Life Insurance Company of Brentwood, Tennessee
$232 /mo
Age 65 · Non-tobacco · Rate varies by zip
Blue Cross Blue Shield of Montana
$235 $255 /mo
Age 65 · Non-tobacco · Rate varies by zip
Everence Association Inc.
$246 /mo
Age 65 · Non-tobacco · Rate varies by zip
Guarantee Trust Life Insurance Company
$347 /mo
Age 65 · Non-tobacco · 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.

High-Deductible Plan G Rate Ranges by Carrier in Montana

Age 65 · Non-tobacco · 2026 · Rate varies by zip

Washington National Insurance Company
$39 $48 /mo
Age 65 · Non-tobacco · Rate varies by zip
HealthSpring National Health Insurance Company
$42 $79 /mo
Age 65 · Non-tobacco · Rate varies by zip
United American Insurance Company
$45 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$46 $65 /mo
Age 65 · Non-tobacco · Rate varies by zip
Woodmen Of The World Life Insurance Society
$54 /mo
Age 65 · Non-tobacco · Rate varies by zip
Insurance Company of North America
$56 /mo
Age 65 · Non-tobacco · Rate varies by zip
Blue Cross Blue Shield of Montana
$99 $119 /mo
Age 65 · Non-tobacco · 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.

Plan K Rate Ranges by Carrier in Montana

Age 65 · Non-tobacco · 2026 · Rate varies by zip

Humana Insurance Company
$67 $95 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$77 $183 /mo
Age 65 · Non-tobacco · Rate varies by zip
United American Insurance Company
$98 /mo
Age 65 · Non-tobacco · 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.

Plan L Rate Ranges by Carrier in Montana

Age 65 · Non-tobacco · 2026 · Rate varies by zip

United American Insurance Company
$137 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$152 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$155 $366 /mo
Age 65 · Non-tobacco · 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.

Plan N Rate Ranges by Carrier in Montana

Age 65 · Non-tobacco · 2026 · Rate varies by zip

First Health Life & Health Insurance Company
$79 /mo
Age 65 · Non-tobacco · Rate varies by zip
HealthSpring National Health Insurance Company
$87 $164 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$115 $234 /mo
Age 65 · Non-tobacco · Rate varies by zip
Insurance Company of North America
$115 /mo
Age 65 · Non-tobacco · Rate varies by zip
Washington National Insurance Company
$121 $150 /mo
Age 65 · Non-tobacco · Rate varies by zip
Woodmen Of The World Life Insurance Society
$125 /mo
Age 65 · Non-tobacco · Rate varies by zip
AFLAC
$145 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$150 /mo
Age 65 · Non-tobacco · Rate varies by zip
Continental Life Insurance Company of Brentwood, Tennessee
$171 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$178 $565 /mo
Age 65 · Non-tobacco · Rate varies by zip
Blue Cross Blue Shield of Montana
$199 /mo
Age 65 · Non-tobacco · Rate varies by zip
Everence Association Inc.
$209 /mo
Age 65 · Non-tobacco · Rate varies by zip
United American Insurance Company
$271 /mo
Age 65 · Non-tobacco · Rate varies by zip
Guarantee Trust Life Insurance Company
$273 /mo
Age 65 · Non-tobacco · 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.

How we calculate displayed rates

Figures for Medicare Supplement (Medigap) on this page use 2026 filed or community rates from our carrier-rate dataset for Montana. 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.

Lowest Plan A Rates by Carrier in Montana

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
United American Insurance Company Lowest $109/mo $136/mo $142/mo $142/mo
First Health Life & Health Insurance Company $113/mo $130/mo $144/mo $153/mo
HealthSpring National Health Insurance Company $124/mo $131/mo $155/mo $185/mo
Old Surety Life Insurance Company $134/mo $161/mo $181/mo $199/mo
Washington National Insurance Company $143/mo $185/mo $236/mo $296/mo
AARP - UnitedHealthcare Insurance Company $146/mo $180/mo $215/mo $229/mo
Humana Insurance Company $146/mo $164/mo $193/mo $224/mo
State Farm Mutual Automobile Insurance Company $159/mo $200/mo $231/mo $260/mo
Woodmen Of The World Life Insurance Society $159/mo $173/mo $203/mo $224/mo
Insurance Company of North America $162/mo $168/mo $192/mo $216/mo
AFLAC $188/mo $213/mo $250/mo $276/mo
Blue Cross Blue Shield of Montana $202/mo $238/mo $286/mo $341/mo
Everence Association Inc. $223/mo $260/mo $290/mo $313/mo
Continental Life Insurance Company of Brentwood, Tennessee $231/mo $246/mo $288/mo $338/mo
Guarantee Trust Life Insurance Company $337/mo $358/mo $403/mo $466/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.

Lowest Plan B Rates by Carrier in Montana

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 $129/mo $150/mo $171/mo $188/mo
Continental Life Insurance Company of Brentwood, Tennessee $181/mo $192/mo $225/mo $264/mo
Humana Insurance Company $198/mo $237/mo $280/mo $324/mo
AARP - UnitedHealthcare Insurance Company $216/mo $267/mo $318/mo $339/mo
United American Insurance Company $236/mo $301/mo $328/mo $329/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.

Lowest Plan C Rates by Carrier in Montana

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
AARP - UnitedHealthcare Insurance Company Lowest $258/mo $319/mo $380/mo $404/mo
Humana Insurance Company $262/mo $313/mo $370/mo $428/mo
United American Insurance Company $268/mo $345/mo $387/mo $418/mo
State Farm Mutual Automobile Insurance Company $270/mo $340/mo $394/mo $442/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.

Lowest Plan D Rates by Carrier in Montana

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 $196/mo $249/mo $297/mo $338/mo
United American Insurance Company $250/mo $327/mo $371/mo $402/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.

Lowest Plan F Rates by Carrier in Montana

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 $164/mo $192/mo $221/mo $245/mo
Humana Insurance Company $193/mo $199/mo $236/mo $273/mo
HealthSpring National Health Insurance Company $200/mo $207/mo $232/mo $262/mo
Insurance Company of North America $226/mo $235/mo $269/mo $302/mo
Washington National Insurance Company $230/mo $279/mo $338/mo $404/mo
Woodmen Of The World Life Insurance Society $230/mo $230/mo $258/mo $283/mo
AFLAC $235/mo $262/mo $304/mo $332/mo
AARP - UnitedHealthcare Insurance Company $260/mo $321/mo $382/mo $407/mo
State Farm Mutual Automobile Insurance Company $272/mo $343/mo $397/mo $446/mo
Everence Association Inc. $273/mo $326/mo $379/mo $422/mo
Blue Cross Blue Shield of Montana $284/mo $335/mo $402/mo $480/mo
United American Insurance Company $289/mo $370/mo $416/mo $449/mo
Continental Life Insurance Company of Brentwood, Tennessee $295/mo $313/mo $368/mo $432/mo
Old Surety Life Insurance Company $369/mo $448/mo $536/mo $601/mo
Guarantee Trust Life Insurance Company $427/mo $454/mo $540/mo $675/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.

Lowest High-Deductible Plan F Rates by Carrier in Montana

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Humana Insurance Company Lowest $44/mo $53/mo $63/mo $72/mo
United American Insurance Company $54/mo $73/mo $90/mo $98/mo
Continental Life Insurance Company of Brentwood, Tennessee $69/mo $74/mo $86/mo $101/mo
Blue Cross Blue Shield of Montana $104/mo $123/mo $147/mo $175/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.

Lowest Plan G Rates by Carrier in Montana

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
HealthSpring National Health Insurance Company Lowest $125/mo $131/mo $155/mo $185/mo
First Health Life & Health Insurance Company $138/mo $163/mo $187/mo $210/mo
Humana Insurance Company $153/mo $172/mo $204/mo $236/mo
Insurance Company of North America $163/mo $170/mo $194/mo $219/mo
Washington National Insurance Company $169/mo $219/mo $280/mo $351/mo
Woodmen Of The World Life Insurance Society $169/mo $183/mo $216/mo $238/mo
Old Surety Life Insurance Company $179/mo $186/mo $213/mo $244/mo
AFLAC $190/mo $215/mo $253/mo $279/mo
State Farm Mutual Automobile Insurance Company $196/mo $249/mo $297/mo $339/mo
AARP - UnitedHealthcare Insurance Company $204/mo $252/mo $301/mo $320/mo
United American Insurance Company $228/mo $298/mo $337/mo $366/mo
Continental Life Insurance Company of Brentwood, Tennessee $232/mo $247/mo $290/mo $340/mo
Blue Cross Blue Shield of Montana $235/mo $278/mo $334/mo $399/mo
Everence Association Inc. $246/mo $294/mo $344/mo $385/mo
Guarantee Trust Life Insurance Company $347/mo $369/mo $438/mo $548/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.

Lowest High-Deductible Plan G Rates by Carrier in Montana

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Washington National Insurance Company Lowest $39/mo $47/mo $58/mo $69/mo
HealthSpring National Health Insurance Company $42/mo $44/mo $52/mo $63/mo
United American Insurance Company $45/mo $61/mo $75/mo $82/mo
Humana Insurance Company $46/mo $53/mo $63/mo $73/mo
Woodmen Of The World Life Insurance Society $54/mo $60/mo $70/mo $77/mo
Insurance Company of North America $56/mo $59/mo $67/mo $76/mo
Blue Cross Blue Shield of Montana $99/mo $117/mo $140/mo $167/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.

Lowest Plan K Rates by Carrier in Montana

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Humana Insurance Company Lowest $67/mo $78/mo $95/mo $113/mo
AARP - UnitedHealthcare Insurance Company $77/mo $96/mo $114/mo $122/mo
United American Insurance Company $98/mo $130/mo $145/mo $154/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.

Lowest Plan L Rates by Carrier in Montana

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
United American Insurance Company Lowest $137/mo $182/mo $203/mo $216/mo
Humana Insurance Company $152/mo $181/mo $215/mo $248/mo
AARP - UnitedHealthcare Insurance Company $155/mo $192/mo $228/mo $243/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.

Lowest Plan N Rates by Carrier in Montana

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 $79/mo $93/mo $108/mo $121/mo
HealthSpring National Health Insurance Company $87/mo $95/mo $111/mo $132/mo
Humana Insurance Company $115/mo $130/mo $153/mo $178/mo
Insurance Company of North America $115/mo $120/mo $137/mo $154/mo
Washington National Insurance Company $121/mo $157/mo $201/mo $252/mo
Woodmen Of The World Life Insurance Society $125/mo $134/mo $161/mo $182/mo
AFLAC $145/mo $162/mo $196/mo $221/mo
State Farm Mutual Automobile Insurance Company $150/mo $190/mo $228/mo $263/mo
Continental Life Insurance Company of Brentwood, Tennessee $171/mo $191/mo $226/mo $264/mo
AARP - UnitedHealthcare Insurance Company $178/mo $220/mo $262/mo $279/mo
Blue Cross Blue Shield of Montana $199/mo $235/mo $282/mo $337/mo
Everence Association Inc. $209/mo $245/mo $288/mo $330/mo
United American Insurance Company $271/mo $357/mo $407/mo $447/mo
Guarantee Trust Life Insurance Company $273/mo $289/mo $344/mo $430/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.

Average Plan A Rates by Carrier in Montana

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
United American Insurance Company $109/mo $136/mo $142/mo $142/mo
First Health Life & Health Insurance Company $113/mo $130/mo $144/mo $153/mo
Old Surety Life Insurance Company $134/mo $161/mo $181/mo $199/mo
State Farm Mutual Automobile Insurance Company $159/mo $200/mo $231/mo $260/mo
Washington National Insurance Company $159/mo $206/mo $264/mo $331/mo
Woodmen Of The World Life Insurance Society $159/mo $173/mo $203/mo $224/mo
Insurance Company of North America $162/mo $168/mo $192/mo $216/mo
HealthSpring National Health Insurance Company $178/mo $186/mo $221/mo $264/mo
Humana Insurance Company $181/mo $208/mo $244/mo $279/mo
AFLAC $188/mo $213/mo $250/mo $276/mo
Blue Cross Blue Shield of Montana $202/mo $238/mo $286/mo $341/mo
Everence Association Inc. $223/mo $260/mo $290/mo $313/mo
Continental Life Insurance Company of Brentwood, Tennessee $231/mo $246/mo $288/mo $338/mo
AARP - UnitedHealthcare Insurance Company $245/mo $262/mo $270/mo $275/mo
Guarantee Trust Life Insurance Company $337/mo $358/mo $403/mo $466/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.

Average Plan B Rates by Carrier in Montana

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
First Health Life & Health Insurance Company $129/mo $150/mo $171/mo $188/mo
Continental Life Insurance Company of Brentwood, Tennessee $181/mo $192/mo $225/mo $264/mo
Humana Insurance Company $198/mo $237/mo $280/mo $324/mo
United American Insurance Company $236/mo $301/mo $328/mo $329/mo
AARP - UnitedHealthcare Insurance Company $363/mo $388/mo $400/mo $407/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.

Average Plan C Rates by Carrier in Montana

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Humana Insurance Company $262/mo $313/mo $370/mo $428/mo
United American Insurance Company $268/mo $345/mo $387/mo $418/mo
State Farm Mutual Automobile Insurance Company $270/mo $340/mo $394/mo $442/mo
AARP - UnitedHealthcare Insurance Company $433/mo $463/mo $477/mo $485/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.

Average Plan D Rates by Carrier in Montana

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
State Farm Mutual Automobile Insurance Company $196/mo $249/mo $297/mo $338/mo
United American Insurance Company $250/mo $327/mo $371/mo $402/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.

Average Plan F Rates by Carrier in Montana

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
First Health Life & Health Insurance Company $164/mo $192/mo $221/mo $245/mo
Insurance Company of North America $226/mo $235/mo $269/mo $302/mo
Woodmen Of The World Life Insurance Society $230/mo $230/mo $258/mo $283/mo
AFLAC $235/mo $262/mo $304/mo $332/mo
Washington National Insurance Company $257/mo $312/mo $378/mo $451/mo
State Farm Mutual Automobile Insurance Company $272/mo $343/mo $397/mo $446/mo
Everence Association Inc. $273/mo $326/mo $379/mo $422/mo
Blue Cross Blue Shield of Montana $284/mo $335/mo $402/mo $480/mo
Humana Insurance Company $285/mo $319/mo $375/mo $434/mo
HealthSpring National Health Insurance Company $286/mo $295/mo $331/mo $375/mo
United American Insurance Company $289/mo $370/mo $416/mo $449/mo
Continental Life Insurance Company of Brentwood, Tennessee $295/mo $313/mo $368/mo $432/mo
Old Surety Life Insurance Company $369/mo $448/mo $536/mo $601/mo
Guarantee Trust Life Insurance Company $427/mo $454/mo $540/mo $675/mo
AARP - UnitedHealthcare Insurance Company $435/mo $466/mo $480/mo $488/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.

Average High-Deductible Plan F Rates by Carrier in Montana

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Humana Insurance Company $46/mo $54/mo $64/mo $75/mo
United American Insurance Company $54/mo $73/mo $90/mo $98/mo
Continental Life Insurance Company of Brentwood, Tennessee $69/mo $74/mo $86/mo $101/mo
Blue Cross Blue Shield of Montana $104/mo $123/mo $147/mo $175/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.

Average Plan G Rates by Carrier in Montana

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
First Health Life & Health Insurance Company $138/mo $163/mo $187/mo $210/mo
Insurance Company of North America $163/mo $170/mo $194/mo $219/mo
Woodmen Of The World Life Insurance Society $169/mo $183/mo $216/mo $238/mo
HealthSpring National Health Insurance Company $178/mo $187/mo $221/mo $264/mo
Old Surety Life Insurance Company $179/mo $186/mo $213/mo $244/mo
Washington National Insurance Company $189/mo $244/mo $313/mo $392/mo
AFLAC $190/mo $215/mo $253/mo $279/mo
State Farm Mutual Automobile Insurance Company $196/mo $249/mo $297/mo $339/mo
Humana Insurance Company $211/mo $244/mo $288/mo $334/mo
United American Insurance Company $228/mo $298/mo $337/mo $366/mo
Continental Life Insurance Company of Brentwood, Tennessee $232/mo $247/mo $290/mo $340/mo
Blue Cross Blue Shield of Montana $245/mo $288/mo $344/mo $408/mo
Everence Association Inc. $246/mo $294/mo $344/mo $385/mo
Guarantee Trust Life Insurance Company $347/mo $369/mo $438/mo $548/mo
AARP - UnitedHealthcare Insurance Company $392/mo $417/mo $411/mo $418/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.

Average High-Deductible Plan G Rates by Carrier in Montana

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Washington National Insurance Company $44/mo $53/mo $64/mo $77/mo
United American Insurance Company $45/mo $61/mo $75/mo $82/mo
Humana Insurance Company $52/mo $60/mo $71/mo $82/mo
Woodmen Of The World Life Insurance Society $54/mo $60/mo $70/mo $77/mo
Insurance Company of North America $56/mo $59/mo $67/mo $76/mo
HealthSpring National Health Insurance Company $60/mo $63/mo $75/mo $89/mo
Blue Cross Blue Shield of Montana $109/mo $127/mo $150/mo $177/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.

Average Plan K Rates by Carrier in Montana

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Humana Insurance Company $81/mo $96/mo $115/mo $134/mo
United American Insurance Company $98/mo $130/mo $145/mo $154/mo
AARP - UnitedHealthcare Insurance Company $130/mo $139/mo $144/mo $146/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.

Average Plan L Rates by Carrier in Montana

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
United American Insurance Company $137/mo $182/mo $203/mo $216/mo
Humana Insurance Company $152/mo $181/mo $215/mo $248/mo
AARP - UnitedHealthcare Insurance Company $260/mo $279/mo $287/mo $292/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.

Average Plan N Rates by Carrier in Montana

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
First Health Life & Health Insurance Company $79/mo $93/mo $108/mo $121/mo
Insurance Company of North America $115/mo $120/mo $137/mo $154/mo
HealthSpring National Health Insurance Company $125/mo $135/mo $159/mo $188/mo
Woodmen Of The World Life Insurance Society $125/mo $134/mo $161/mo $182/mo
Washington National Insurance Company $136/mo $175/mo $225/mo $281/mo
AFLAC $145/mo $162/mo $196/mo $221/mo
State Farm Mutual Automobile Insurance Company $150/mo $190/mo $228/mo $263/mo
Continental Life Insurance Company of Brentwood, Tennessee $171/mo $191/mo $226/mo $264/mo
Humana Insurance Company $177/mo $205/mo $242/mo $281/mo
Blue Cross Blue Shield of Montana $199/mo $235/mo $282/mo $337/mo
Everence Association Inc. $209/mo $245/mo $288/mo $330/mo
United American Insurance Company $271/mo $357/mo $407/mo $447/mo
Guarantee Trust Life Insurance Company $273/mo $289/mo $344/mo $430/mo
AARP - UnitedHealthcare Insurance Company $371/mo $392/mo $378/mo $384/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.

Underwriting & Household Discount Pricing — Plan A in Montana

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 Montana 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 $124/mo
w / 6% HHD $146/mo
Standard II w / 20% HHD $187/mo
Standard II w / 6% HHD $219/mo
Standard II $233/mo
AARP - UnitedHealthcare Insurance Company Standard $146/mo
Level 2 $344/mo
Humana Insurance Company Achieve $146 – $179/mo
Value $199/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.

Underwriting & Household Discount Pricing — Plan B in Montana

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 Montana 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 $216/mo
Level 2 $509/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.

Underwriting & Household Discount Pricing — Plan C in Montana

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 Montana 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 $258/mo
Level 2 $607/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.

Underwriting & Household Discount Pricing — Plan F in Montana

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 Montana 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
Humana Insurance Company Achieve $193 – $238/mo
Value $357/mo
HealthSpring National Health Insurance Company w / 20% HHD $200/mo
w / 6% HHD $235/mo
Standard II w / 20% HHD $300/mo
Standard II w / 6% HHD $353/mo
Standard II $376/mo
AARP - UnitedHealthcare Insurance Company Standard $260/mo
Level 2 $611/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.

Underwriting & Household Discount Pricing — Plan G in Montana

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 Montana 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 $125/mo
w / 6% HHD $146/mo
Standard II w / 20% HHD $187/mo
Standard II w / 6% HHD $220/mo
Standard II $234/mo
Humana Insurance Company Achieve $153 – $189/mo
Value $213/mo
AARP - UnitedHealthcare Insurance Company Standard $204/mo
Level 2 $581/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.

Underwriting & Household Discount Pricing — High-Deductible Plan G in Montana

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 Montana 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/mo
w / 6% HHD $49/mo
Standard II w / 20% HHD $63/mo
Standard II w / 6% HHD $74/mo
Standard II $79/mo
Humana Insurance Company Value $46/mo
Achieve $53 – $65/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.

Underwriting & Household Discount Pricing — Plan K in Montana

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 Montana carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
AARP - UnitedHealthcare Insurance Company Standard $77/mo
Level 2 $183/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.

Underwriting & Household Discount Pricing — Plan L in Montana

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 Montana 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 $155/mo
Level 2 $366/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.

Underwriting & Household Discount Pricing — Plan N in Montana

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 Montana 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 $87/mo
w / 6% HHD $103/mo
Standard II w / 20% HHD $131/mo
Standard II w / 6% HHD $154/mo
Standard II $164/mo
Humana Insurance Company Achieve $115 – $142/mo
Value $169/mo
AARP - UnitedHealthcare Insurance Company Standard $178/mo
Level 2 $565/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.

RESOURCES

More Information on Medicare Supplement in Montana

Before You Compare

Is Choosing the Cheapest Plan Right for Me?

The lowest premium isn't always the best value. Medigap plans are standardized — every Plan G covers the same benefits — but carriers differ in ways that affect your long-term costs and experience:

  • Introductory rates can be misleading. Some carriers offer low first-year premiums that increase significantly at renewal. Ask about a carrier's rate increase history before enrolling.
  • Rate stability matters more than starting price. A carrier that raises rates 3% annually will cost less over 10 years than one that starts lower but increases 8–12% per year.
  • Financial strength protects your coverage. AM Best ratings measure a carrier's ability to pay claims. A financially strong carrier is less likely to exit the market or impose steep rate hikes.

Questions to ask your agent:

  • "What's this carrier's rate increase history over the last 5 years?"
  • "How financially stable is this company?"
Talk to a licensed agent →
Ready to find the right Medicare plan?