Compare 2026 Medicare Supplement (Medigap) rates in New Hampshire. 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 | $246/mo |
| 70 | $279/mo |
| 75 | $320/mo |
| 80 | $373/mo |
Rates are statewide averages across all carriers. Your actual premium will vary by carrier, zip code, health status, and underwriting factors. Get a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Figures for Medicare Supplement (Medigap) on this page use 2026 filed or community rates from our carrier-rate dataset for New Hampshire. Averages roll up multiple carriers and rate classes for the age, gender, and plan letter you select. Your premium can still differ based on ZIP code, underwriting, household discounts, and how the carrier bills the policy. Treat tables as directional guidance, not a binding quote.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $112/mo | $136/mo | $164/mo | $197/mo |
| United American Insurance Company | $134/mo | $143/mo | $143/mo | $143/mo |
| United World Life Insurance Company | $149/mo | $179/mo | $208/mo | $252/mo |
| HealthSpring National Health Insurance Company | $152/mo | $161/mo | $187/mo | $217/mo |
| Anthem Blue Cross and Blue Shield - New Hampshire | $160/mo | $192/mo | $215/mo | $251/mo |
| SilverScript Insurance Company | $162/mo | $186/mo | $213/mo | $242/mo |
| First Health Life & Health Insurance Company | $166/mo | $182/mo | $196/mo | $203/mo |
| State Farm Mutual Automobile Insurance Company | $168/mo | $195/mo | $215/mo | $227/mo |
| Aetna Health and Life Insurance Company | $205/mo | $225/mo | $256/mo | $288/mo |
| USAA Life Insurance Company | $221/mo | $239/mo | $253/mo | $264/mo |
| Medico Insurance Company | $223/mo | $223/mo | $233/mo | $259/mo |
| Washington National Insurance Company | $235/mo | $304/mo | $390/mo | $488/mo |
| Humana Insurance Company | $237/mo | $255/mo | $289/mo | $327/mo |
| AFLAC | $252/mo | $270/mo | $300/mo | $337/mo |
| Harvard Pilgrim Health Care Inc. | $306/mo | $344/mo | $388/mo | $555/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $126/mo | $153/mo | $184/mo | $221/mo |
| United American Insurance Company | $154/mo | $164/mo | $164/mo | $164/mo |
| United World Life Insurance Company | $167/mo | $200/mo | $233/mo | $283/mo |
| HealthSpring National Health Insurance Company | $169/mo | $179/mo | $208/mo | $241/mo |
| Anthem Blue Cross and Blue Shield - New Hampshire | $177/mo | $212/mo | $236/mo | $276/mo |
| SilverScript Insurance Company | $186/mo | $214/mo | $245/mo | $279/mo |
| First Health Life & Health Insurance Company | $180/mo | $198/mo | $212/mo | $220/mo |
| State Farm Mutual Automobile Insurance Company | $182/mo | $211/mo | $233/mo | $247/mo |
| Aetna Health and Life Insurance Company | $236/mo | $259/mo | $294/mo | $331/mo |
| USAA Life Insurance Company | $221/mo | $239/mo | $253/mo | $264/mo |
| Medico Insurance Company | $257/mo | $257/mo | $269/mo | $298/mo |
| Washington National Insurance Company | $261/mo | $338/mo | $433/mo | $542/mo |
| Humana Insurance Company | $268/mo | $288/mo | $326/mo | $369/mo |
| AFLAC | $289/mo | $309/mo | $344/mo | $386/mo |
| Harvard Pilgrim Health Care Inc. | $306/mo | $344/mo | $388/mo | $555/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 | $196/mo | $220/mo | $242/mo | $259/mo |
| AARP - UnitedHealthcare Insurance Company | $203/mo | $247/mo | $298/mo | $357/mo |
| Aetna Health and Life Insurance Company | $206/mo | $226/mo | $256/mo | $288/mo |
| United American Insurance Company | $283/mo | $310/mo | $314/mo | $314/mo |
| Humana Insurance Company | $316/mo | $347/mo | $381/mo | $408/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $211/mo | $237/mo | $261/mo | $279/mo |
| AARP - UnitedHealthcare Insurance Company | $228/mo | $277/mo | $334/mo | $400/mo |
| Aetna Health and Life Insurance Company | $236/mo | $259/mo | $294/mo | $332/mo |
| United American Insurance Company | $326/mo | $356/mo | $361/mo | $361/mo |
| Humana Insurance Company | $328/mo | $374/mo | $425/mo | $470/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $253/mo | $293/mo | $325/mo | $343/mo |
| AARP - UnitedHealthcare Insurance Company | $255/mo | $309/mo | $373/mo | $446/mo |
| United American Insurance Company | $330/mo | $370/mo | $394/mo | $412/mo |
| Humana Insurance Company | $415/mo | $457/mo | $502/mo | $537/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $275/mo | $318/mo | $352/mo | $372/mo |
| AARP - UnitedHealthcare Insurance Company | $286/mo | $347/mo | $418/mo | $501/mo |
| United American Insurance Company | $379/mo | $426/mo | $453/mo | $473/mo |
| Humana Insurance Company | $432/mo | $492/mo | $559/mo | $618/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 | $201/mo | $229/mo | $255/mo | $277/mo |
| United American Insurance Company | $313/mo | $355/mo | $379/mo | $397/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $222/mo | $259/mo | $291/mo | $321/mo |
| United American Insurance Company | $360/mo | $408/mo | $436/mo | $456/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 |
|---|---|---|---|---|
| SilverScript Insurance Company Lowest | $227/mo | $243/mo | $275/mo | $313/mo |
| Anthem Blue Cross and Blue Shield - New Hampshire | $243/mo | $291/mo | $324/mo | $379/mo |
| AARP - UnitedHealthcare Insurance Company | $256/mo | $311/mo | $375/mo | $449/mo |
| State Farm Mutual Automobile Insurance Company | $256/mo | $296/mo | $328/mo | $347/mo |
| HealthSpring National Health Insurance Company | $260/mo | $274/mo | $313/mo | $358/mo |
| First Health Life & Health Insurance Company | $264/mo | $299/mo | $331/mo | $359/mo |
| Humana Insurance Company | $270/mo | $279/mo | $316/mo | $358/mo |
| AFLAC | $275/mo | $301/mo | $339/mo | $390/mo |
| United American Insurance Company | $290/mo | $326/mo | $347/mo | $362/mo |
| Washington National Insurance Company | $292/mo | $354/mo | $429/mo | $512/mo |
| USAA Life Insurance Company | $301/mo | $325/mo | $344/mo | $358/mo |
| United World Life Insurance Company | $325/mo | $356/mo | $413/mo | $474/mo |
| Medico Insurance Company | $335/mo | $335/mo | $350/mo | $388/mo |
| Aetna Health and Life Insurance Company | $358/mo | $393/mo | $446/mo | $503/mo |
| Harvard Pilgrim Health Care Inc. | $377/mo | $440/mo | $491/mo | $831/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| SilverScript Insurance Company Lowest | $262/mo | $279/mo | $317/mo | $360/mo |
| Anthem Blue Cross and Blue Shield - New Hampshire | $267/mo | $320/mo | $357/mo | $417/mo |
| AARP - UnitedHealthcare Insurance Company | $288/mo | $349/mo | $421/mo | $504/mo |
| State Farm Mutual Automobile Insurance Company | $277/mo | $321/mo | $355/mo | $376/mo |
| HealthSpring National Health Insurance Company | $289/mo | $304/mo | $348/mo | $398/mo |
| First Health Life & Health Insurance Company | $283/mo | $320/mo | $355/mo | $385/mo |
| Humana Insurance Company | $305/mo | $316/mo | $357/mo | $404/mo |
| AFLAC | $315/mo | $345/mo | $388/mo | $447/mo |
| United American Insurance Company | $333/mo | $374/mo | $399/mo | $416/mo |
| Washington National Insurance Company | $324/mo | $393/mo | $477/mo | $569/mo |
| USAA Life Insurance Company | $301/mo | $325/mo | $344/mo | $358/mo |
| United World Life Insurance Company | $363/mo | $398/mo | $463/mo | $531/mo |
| Medico Insurance Company | $385/mo | $385/mo | $403/mo | $447/mo |
| Aetna Health and Life Insurance Company | $412/mo | $452/mo | $513/mo | $578/mo |
| Harvard Pilgrim Health Care Inc. | $377/mo | $440/mo | $491/mo | $831/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 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $55/mo | $63/mo | $68/mo | $73/mo |
| Aetna Health and Life Insurance Company | $58/mo | $63/mo | $72/mo | $81/mo |
| Humana Insurance Company | $61/mo | $67/mo | $74/mo | $79/mo |
| Medico Insurance Company | $101/mo | $101/mo | $105/mo | $117/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $63/mo | $72/mo | $78/mo | $84/mo |
| Aetna Health and Life Insurance Company | $66/mo | $73/mo | $83/mo | $93/mo |
| Humana Insurance Company | $64/mo | $72/mo | $82/mo | $91/mo |
| Medico Insurance Company | $116/mo | $116/mo | $121/mo | $134/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 |
|---|---|---|---|---|
| HealthSpring National Health Insurance Company Lowest | $176/mo | $186/mo | $216/mo | $250/mo |
| Anthem Blue Cross and Blue Shield - New Hampshire | $185/mo | $221/mo | $247/mo | $288/mo |
| AARP - UnitedHealthcare Insurance Company | $196/mo | $238/mo | $287/mo | $343/mo |
| SilverScript Insurance Company | $196/mo | $209/mo | $237/mo | $269/mo |
| State Farm Mutual Automobile Insurance Company | $202/mo | $230/mo | $255/mo | $277/mo |
| Washington National Insurance Company | $203/mo | $263/mo | $337/mo | $421/mo |
| Medico Insurance Company | $207/mo | $207/mo | $217/mo | $240/mo |
| AFLAC | $213/mo | $239/mo | $273/mo | $307/mo |
| United World Life Insurance Company | $213/mo | $255/mo | $298/mo | $361/mo |
| Humana Insurance Company | $216/mo | $232/mo | $263/mo | $297/mo |
| First Health Life & Health Insurance Company | $242/mo | $275/mo | $307/mo | $334/mo |
| USAA Life Insurance Company | $246/mo | $277/mo | $304/mo | $333/mo |
| Harvard Pilgrim Health Care Inc. | $256/mo | $343/mo | $414/mo | $609/mo |
| Aetna Health and Life Insurance Company | $268/mo | $294/mo | $334/mo | $376/mo |
| United American Insurance Company | $289/mo | $327/mo | $349/mo | $365/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring National Health Insurance Company Lowest | $195/mo | $207/mo | $240/mo | $278/mo |
| Anthem Blue Cross and Blue Shield - New Hampshire | $203/mo | $243/mo | $272/mo | $317/mo |
| AARP - UnitedHealthcare Insurance Company | $220/mo | $267/mo | $322/mo | $385/mo |
| SilverScript Insurance Company | $225/mo | $240/mo | $272/mo | $310/mo |
| State Farm Mutual Automobile Insurance Company | $223/mo | $259/mo | $292/mo | $322/mo |
| Washington National Insurance Company | $226/mo | $292/mo | $374/mo | $468/mo |
| Medico Insurance Company | $238/mo | $238/mo | $249/mo | $276/mo |
| AFLAC | $244/mo | $273/mo | $312/mo | $351/mo |
| United World Life Insurance Company | $239/mo | $286/mo | $333/mo | $404/mo |
| Humana Insurance Company | $244/mo | $262/mo | $297/mo | $336/mo |
| First Health Life & Health Insurance Company | $258/mo | $294/mo | $328/mo | $356/mo |
| USAA Life Insurance Company | $246/mo | $277/mo | $304/mo | $333/mo |
| Harvard Pilgrim Health Care Inc. | $256/mo | $343/mo | $414/mo | $609/mo |
| Aetna Health and Life Insurance Company | $308/mo | $338/mo | $384/mo | $432/mo |
| United American Insurance Company | $332/mo | $375/mo | $401/mo | $420/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 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $55/mo | $63/mo | $68/mo | $73/mo |
| Humana Insurance Company | $70/mo | $76/mo | $86/mo | $97/mo |
| United World Life Insurance Company | $70/mo | $84/mo | $98/mo | $119/mo |
| Medico Insurance Company | $71/mo | $71/mo | $75/mo | $83/mo |
| Washington National Insurance Company | $78/mo | $94/mo | $114/mo | $136/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $63/mo | $72/mo | $78/mo | $84/mo |
| Humana Insurance Company | $78/mo | $86/mo | $97/mo | $110/mo |
| United World Life Insurance Company | $79/mo | $94/mo | $110/mo | $133/mo |
| Medico Insurance Company | $82/mo | $82/mo | $86/mo | $95/mo |
| Washington National Insurance Company | $86/mo | $104/mo | $127/mo | $151/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 | $73/mo | $89/mo | $108/mo | $129/mo |
| United American Insurance Company | $106/mo | $117/mo | $123/mo | $126/mo |
| Humana Insurance Company | $200/mo | $220/mo | $242/mo | $259/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $83/mo | $101/mo | $121/mo | $146/mo |
| United American Insurance Company | $122/mo | $135/mo | $142/mo | $144/mo |
| Humana Insurance Company | $208/mo | $237/mo | $270/mo | $298/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 | $135/mo | $164/mo | $197/mo | $237/mo |
| United American Insurance Company | $156/mo | $173/mo | $182/mo | $185/mo |
| Humana Insurance Company | $271/mo | $298/mo | $328/mo | $350/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $151/mo | $184/mo | $222/mo | $266/mo |
| United American Insurance Company | $179/mo | $199/mo | $209/mo | $213/mo |
| Humana Insurance Company | $282/mo | $321/mo | $365/mo | $403/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 |
|---|---|---|---|---|
| Harvard Pilgrim Health Care Inc. Lowest | $311/mo | $357/mo | $400/mo | $606/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Harvard Pilgrim Health Care Inc. Lowest | $311/mo | $357/mo | $400/mo | $606/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 | $121/mo | $139/mo | $156/mo | $171/mo |
| HealthSpring National Health Insurance Company | $126/mo | $146/mo | $169/mo | $196/mo |
| SilverScript Insurance Company | $131/mo | $150/mo | $172/mo | $196/mo |
| Washington National Insurance Company | $154/mo | $199/mo | $255/mo | $319/mo |
| State Farm Mutual Automobile Insurance Company | $155/mo | $177/mo | $199/mo | $219/mo |
| United World Life Insurance Company | $156/mo | $174/mo | $201/mo | $237/mo |
| Humana Insurance Company | $158/mo | $170/mo | $192/mo | $217/mo |
| AFLAC | $159/mo | $181/mo | $210/mo | $244/mo |
| Medico Insurance Company | $165/mo | $165/mo | $172/mo | $191/mo |
| AARP - UnitedHealthcare Insurance Company | $182/mo | $221/mo | $267/mo | $319/mo |
| Aetna Health and Life Insurance Company | $192/mo | $215/mo | $243/mo | $274/mo |
| Anthem Blue Cross and Blue Shield - New Hampshire | $201/mo | $241/mo | $269/mo | $314/mo |
| USAA Life Insurance Company | $249/mo | $269/mo | $285/mo | $297/mo |
| United American Insurance Company | $251/mo | $286/mo | $308/mo | $326/mo |
| Harvard Pilgrim Health Care Inc. | $264/mo | $307/mo | $354/mo | $588/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $129/mo | $147/mo | $165/mo | $181/mo |
| HealthSpring National Health Insurance Company | $140/mo | $162/mo | $188/mo | $218/mo |
| SilverScript Insurance Company | $151/mo | $173/mo | $198/mo | $225/mo |
| Washington National Insurance Company | $171/mo | $221/mo | $283/mo | $354/mo |
| State Farm Mutual Automobile Insurance Company | $172/mo | $201/mo | $228/mo | $253/mo |
| United World Life Insurance Company | $175/mo | $195/mo | $225/mo | $265/mo |
| Humana Insurance Company | $178/mo | $192/mo | $217/mo | $245/mo |
| AFLAC | $182/mo | $207/mo | $241/mo | $279/mo |
| Medico Insurance Company | $189/mo | $189/mo | $198/mo | $219/mo |
| AARP - UnitedHealthcare Insurance Company | $204/mo | $248/mo | $299/mo | $358/mo |
| Aetna Health and Life Insurance Company | $221/mo | $247/mo | $280/mo | $315/mo |
| Anthem Blue Cross and Blue Shield - New Hampshire | $222/mo | $265/mo | $296/mo | $346/mo |
| USAA Life Insurance Company | $249/mo | $269/mo | $285/mo | $297/mo |
| United American Insurance Company | $289/mo | $329/mo | $355/mo | $375/mo |
| Harvard Pilgrim Health Care Inc. | $264/mo | $307/mo | $354/mo | $588/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $134/mo | $143/mo | $143/mo | $143/mo |
| AARP - UnitedHealthcare Insurance Company | $140/mo | $170/mo | $206/mo | $246/mo |
| United World Life Insurance Company | $155/mo | $185/mo | $216/mo | $261/mo |
| Anthem Blue Cross and Blue Shield - New Hampshire | $160/mo | $192/mo | $215/mo | $251/mo |
| SilverScript Insurance Company | $162/mo | $186/mo | $213/mo | $242/mo |
| First Health Life & Health Insurance Company | $166/mo | $182/mo | $196/mo | $203/mo |
| State Farm Mutual Automobile Insurance Company | $168/mo | $195/mo | $215/mo | $227/mo |
| Aetna Health and Life Insurance Company | $205/mo | $225/mo | $256/mo | $288/mo |
| HealthSpring National Health Insurance Company | $217/mo | $230/mo | $267/mo | $309/mo |
| USAA Life Insurance Company | $221/mo | $239/mo | $253/mo | $264/mo |
| Medico Insurance Company | $249/mo | $249/mo | $261/mo | $289/mo |
| AFLAC | $252/mo | $270/mo | $300/mo | $337/mo |
| Humana Insurance Company | $258/mo | $282/mo | $313/mo | $344/mo |
| Washington National Insurance Company | $263/mo | $340/mo | $435/mo | $545/mo |
| Harvard Pilgrim Health Care Inc. | $306/mo | $344/mo | $388/mo | $555/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $154/mo | $164/mo | $164/mo | $164/mo |
| AARP - UnitedHealthcare Insurance Company | $157/mo | $191/mo | $231/mo | $276/mo |
| United World Life Insurance Company | $173/mo | $207/mo | $242/mo | $293/mo |
| Anthem Blue Cross and Blue Shield - New Hampshire | $177/mo | $212/mo | $236/mo | $276/mo |
| SilverScript Insurance Company | $186/mo | $214/mo | $245/mo | $279/mo |
| First Health Life & Health Insurance Company | $180/mo | $198/mo | $212/mo | $220/mo |
| State Farm Mutual Automobile Insurance Company | $182/mo | $211/mo | $233/mo | $247/mo |
| Aetna Health and Life Insurance Company | $236/mo | $259/mo | $294/mo | $331/mo |
| HealthSpring National Health Insurance Company | $241/mo | $256/mo | $296/mo | $343/mo |
| USAA Life Insurance Company | $221/mo | $239/mo | $253/mo | $264/mo |
| Medico Insurance Company | $287/mo | $287/mo | $300/mo | $332/mo |
| AFLAC | $289/mo | $309/mo | $344/mo | $386/mo |
| Humana Insurance Company | $279/mo | $310/mo | $351/mo | $393/mo |
| Washington National Insurance Company | $292/mo | $377/mo | $484/mo | $605/mo |
| Harvard Pilgrim Health Care Inc. | $306/mo | $344/mo | $388/mo | $555/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 | $196/mo | $220/mo | $242/mo | $259/mo |
| Aetna Health and Life Insurance Company | $206/mo | $226/mo | $256/mo | $288/mo |
| AARP - UnitedHealthcare Insurance Company | $255/mo | $309/mo | $373/mo | $446/mo |
| United American Insurance Company | $283/mo | $310/mo | $314/mo | $314/mo |
| Humana Insurance Company | $316/mo | $347/mo | $381/mo | $408/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $211/mo | $237/mo | $261/mo | $279/mo |
| Aetna Health and Life Insurance Company | $236/mo | $259/mo | $294/mo | $332/mo |
| AARP - UnitedHealthcare Insurance Company | $286/mo | $347/mo | $418/mo | $501/mo |
| United American Insurance Company | $326/mo | $356/mo | $361/mo | $361/mo |
| Humana Insurance Company | $328/mo | $374/mo | $425/mo | $470/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $253/mo | $293/mo | $325/mo | $343/mo |
| AARP - UnitedHealthcare Insurance Company | $319/mo | $387/mo | $466/mo | $558/mo |
| United American Insurance Company | $330/mo | $370/mo | $394/mo | $412/mo |
| Humana Insurance Company | $415/mo | $457/mo | $502/mo | $537/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $275/mo | $318/mo | $352/mo | $372/mo |
| AARP - UnitedHealthcare Insurance Company | $358/mo | $435/mo | $523/mo | $626/mo |
| United American Insurance Company | $379/mo | $426/mo | $453/mo | $473/mo |
| Humana Insurance Company | $432/mo | $492/mo | $559/mo | $618/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 | $201/mo | $229/mo | $255/mo | $277/mo |
| United American Insurance Company | $313/mo | $355/mo | $379/mo | $397/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $222/mo | $259/mo | $291/mo | $321/mo |
| United American Insurance Company | $360/mo | $408/mo | $436/mo | $456/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 |
|---|---|---|---|---|
| SilverScript Insurance Company | $227/mo | $243/mo | $275/mo | $313/mo |
| Anthem Blue Cross and Blue Shield - New Hampshire | $243/mo | $291/mo | $324/mo | $379/mo |
| State Farm Mutual Automobile Insurance Company | $256/mo | $296/mo | $328/mo | $347/mo |
| First Health Life & Health Insurance Company | $264/mo | $299/mo | $331/mo | $359/mo |
| AFLAC | $275/mo | $301/mo | $339/mo | $390/mo |
| United American Insurance Company | $290/mo | $326/mo | $347/mo | $362/mo |
| USAA Life Insurance Company | $301/mo | $325/mo | $344/mo | $358/mo |
| AARP - UnitedHealthcare Insurance Company | $321/mo | $389/mo | $469/mo | $561/mo |
| Washington National Insurance Company | $326/mo | $395/mo | $479/mo | $572/mo |
| United World Life Insurance Company | $336/mo | $368/mo | $428/mo | $491/mo |
| Humana Insurance Company | $355/mo | $382/mo | $424/mo | $463/mo |
| Aetna Health and Life Insurance Company | $358/mo | $393/mo | $446/mo | $503/mo |
| HealthSpring National Health Insurance Company | $371/mo | $391/mo | $447/mo | $511/mo |
| Medico Insurance Company | $374/mo | $374/mo | $391/mo | $434/mo |
| Harvard Pilgrim Health Care Inc. | $377/mo | $440/mo | $491/mo | $831/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| SilverScript Insurance Company | $262/mo | $279/mo | $317/mo | $360/mo |
| Anthem Blue Cross and Blue Shield - New Hampshire | $267/mo | $320/mo | $357/mo | $417/mo |
| State Farm Mutual Automobile Insurance Company | $277/mo | $321/mo | $355/mo | $376/mo |
| First Health Life & Health Insurance Company | $283/mo | $320/mo | $355/mo | $385/mo |
| AFLAC | $315/mo | $345/mo | $388/mo | $447/mo |
| United American Insurance Company | $333/mo | $374/mo | $399/mo | $416/mo |
| USAA Life Insurance Company | $301/mo | $325/mo | $344/mo | $358/mo |
| AARP - UnitedHealthcare Insurance Company | $360/mo | $437/mo | $526/mo | $630/mo |
| Washington National Insurance Company | $362/mo | $439/mo | $533/mo | $635/mo |
| United World Life Insurance Company | $376/mo | $413/mo | $479/mo | $550/mo |
| Humana Insurance Company | $381/mo | $418/mo | $475/mo | $529/mo |
| Aetna Health and Life Insurance Company | $412/mo | $452/mo | $513/mo | $578/mo |
| HealthSpring National Health Insurance Company | $412/mo | $434/mo | $496/mo | $568/mo |
| Medico Insurance Company | $430/mo | $430/mo | $450/mo | $499/mo |
| Harvard Pilgrim Health Care Inc. | $377/mo | $440/mo | $491/mo | $831/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $55/mo | $63/mo | $68/mo | $73/mo |
| Aetna Health and Life Insurance Company | $58/mo | $63/mo | $72/mo | $81/mo |
| Humana Insurance Company | $61/mo | $67/mo | $74/mo | $79/mo |
| Medico Insurance Company | $112/mo | $112/mo | $117/mo | $130/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $63/mo | $72/mo | $78/mo | $84/mo |
| Aetna Health and Life Insurance Company | $66/mo | $73/mo | $83/mo | $93/mo |
| Humana Insurance Company | $64/mo | $72/mo | $82/mo | $91/mo |
| Medico Insurance Company | $129/mo | $129/mo | $135/mo | $150/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Anthem Blue Cross and Blue Shield - New Hampshire | $185/mo | $221/mo | $247/mo | $288/mo |
| SilverScript Insurance Company | $196/mo | $209/mo | $237/mo | $269/mo |
| State Farm Mutual Automobile Insurance Company | $202/mo | $230/mo | $255/mo | $277/mo |
| AFLAC | $213/mo | $239/mo | $273/mo | $307/mo |
| United World Life Insurance Company | $221/mo | $264/mo | $308/mo | $373/mo |
| Washington National Insurance Company | $227/mo | $293/mo | $376/mo | $471/mo |
| Medico Insurance Company | $231/mo | $231/mo | $242/mo | $268/mo |
| First Health Life & Health Insurance Company | $242/mo | $275/mo | $307/mo | $334/mo |
| USAA Life Insurance Company | $246/mo | $277/mo | $304/mo | $333/mo |
| HealthSpring National Health Insurance Company | $251/mo | $266/mo | $308/mo | $357/mo |
| Harvard Pilgrim Health Care Inc. | $256/mo | $343/mo | $414/mo | $609/mo |
| Aetna Health and Life Insurance Company | $268/mo | $294/mo | $334/mo | $376/mo |
| AARP - UnitedHealthcare Insurance Company | $278/mo | $337/mo | $406/mo | $487/mo |
| United American Insurance Company | $289/mo | $327/mo | $349/mo | $365/mo |
| Humana Insurance Company | $302/mo | $330/mo | $366/mo | $400/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Anthem Blue Cross and Blue Shield - New Hampshire | $203/mo | $243/mo | $272/mo | $317/mo |
| SilverScript Insurance Company | $225/mo | $240/mo | $272/mo | $310/mo |
| State Farm Mutual Automobile Insurance Company | $223/mo | $259/mo | $292/mo | $322/mo |
| AFLAC | $244/mo | $273/mo | $312/mo | $351/mo |
| United World Life Insurance Company | $247/mo | $296/mo | $345/mo | $418/mo |
| Washington National Insurance Company | $252/mo | $326/mo | $418/mo | $523/mo |
| Medico Insurance Company | $266/mo | $266/mo | $278/mo | $308/mo |
| First Health Life & Health Insurance Company | $258/mo | $294/mo | $328/mo | $356/mo |
| USAA Life Insurance Company | $246/mo | $277/mo | $304/mo | $333/mo |
| HealthSpring National Health Insurance Company | $278/mo | $295/mo | $342/mo | $397/mo |
| Harvard Pilgrim Health Care Inc. | $256/mo | $343/mo | $414/mo | $609/mo |
| Aetna Health and Life Insurance Company | $308/mo | $338/mo | $384/mo | $432/mo |
| AARP - UnitedHealthcare Insurance Company | $312/mo | $379/mo | $456/mo | $546/mo |
| United American Insurance Company | $332/mo | $375/mo | $401/mo | $420/mo |
| Humana Insurance Company | $324/mo | $361/mo | $410/mo | $457/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $55/mo | $63/mo | $68/mo | $73/mo |
| Humana Insurance Company | $73/mo | $79/mo | $88/mo | $97/mo |
| United World Life Insurance Company | $73/mo | $87/mo | $102/mo | $123/mo |
| Medico Insurance Company | $80/mo | $80/mo | $83/mo | $92/mo |
| Washington National Insurance Company | $87/mo | $105/mo | $127/mo | $152/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $63/mo | $72/mo | $78/mo | $84/mo |
| Humana Insurance Company | $79/mo | $87/mo | $99/mo | $110/mo |
| United World Life Insurance Company | $82/mo | $98/mo | $114/mo | $138/mo |
| Medico Insurance Company | $92/mo | $92/mo | $96/mo | $106/mo |
| Washington National Insurance Company | $96/mo | $117/mo | $141/mo | $169/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 | $92/mo | $112/mo | $135/mo | $162/mo |
| United American Insurance Company | $106/mo | $117/mo | $123/mo | $126/mo |
| Humana Insurance Company | $200/mo | $220/mo | $242/mo | $259/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company | $104/mo | $126/mo | $152/mo | $182/mo |
| United American Insurance Company | $122/mo | $135/mo | $142/mo | $144/mo |
| Humana Insurance Company | $208/mo | $237/mo | $270/mo | $298/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $156/mo | $173/mo | $182/mo | $185/mo |
| AARP - UnitedHealthcare Insurance Company | $169/mo | $205/mo | $247/mo | $296/mo |
| Humana Insurance Company | $271/mo | $298/mo | $328/mo | $350/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $179/mo | $199/mo | $209/mo | $213/mo |
| AARP - UnitedHealthcare Insurance Company | $190/mo | $230/mo | $278/mo | $332/mo |
| Humana Insurance Company | $282/mo | $321/mo | $365/mo | $403/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Harvard Pilgrim Health Care Inc. | $311/mo | $357/mo | $400/mo | $606/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Harvard Pilgrim Health Care Inc. | $311/mo | $357/mo | $400/mo | $606/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 | $121/mo | $139/mo | $156/mo | $171/mo |
| SilverScript Insurance Company | $131/mo | $150/mo | $172/mo | $196/mo |
| State Farm Mutual Automobile Insurance Company | $155/mo | $177/mo | $199/mo | $219/mo |
| AFLAC | $159/mo | $181/mo | $210/mo | $244/mo |
| United World Life Insurance Company | $162/mo | $181/mo | $208/mo | $245/mo |
| Washington National Insurance Company | $172/mo | $222/mo | $285/mo | $356/mo |
| HealthSpring National Health Insurance Company | $180/mo | $208/mo | $241/mo | $280/mo |
| Medico Insurance Company | $184/mo | $184/mo | $192/mo | $213/mo |
| Aetna Health and Life Insurance Company | $192/mo | $215/mo | $243/mo | $274/mo |
| Anthem Blue Cross and Blue Shield - New Hampshire | $201/mo | $241/mo | $269/mo | $314/mo |
| AARP - UnitedHealthcare Insurance Company | $228/mo | $277/mo | $334/mo | $400/mo |
| Humana Insurance Company | $235/mo | $257/mo | $285/mo | $311/mo |
| USAA Life Insurance Company | $249/mo | $269/mo | $285/mo | $297/mo |
| United American Insurance Company | $251/mo | $286/mo | $308/mo | $326/mo |
| Harvard Pilgrim Health Care Inc. | $264/mo | $307/mo | $354/mo | $588/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $129/mo | $147/mo | $165/mo | $181/mo |
| SilverScript Insurance Company | $151/mo | $173/mo | $198/mo | $225/mo |
| State Farm Mutual Automobile Insurance Company | $172/mo | $201/mo | $228/mo | $253/mo |
| AFLAC | $182/mo | $207/mo | $241/mo | $279/mo |
| United World Life Insurance Company | $181/mo | $202/mo | $233/mo | $275/mo |
| Washington National Insurance Company | $191/mo | $247/mo | $316/mo | $396/mo |
| HealthSpring National Health Insurance Company | $199/mo | $231/mo | $268/mo | $310/mo |
| Medico Insurance Company | $211/mo | $211/mo | $221/mo | $245/mo |
| Aetna Health and Life Insurance Company | $221/mo | $247/mo | $280/mo | $315/mo |
| Anthem Blue Cross and Blue Shield - New Hampshire | $222/mo | $265/mo | $296/mo | $346/mo |
| AARP - UnitedHealthcare Insurance Company | $256/mo | $311/mo | $375/mo | $448/mo |
| Humana Insurance Company | $252/mo | $281/mo | $319/mo | $356/mo |
| USAA Life Insurance Company | $249/mo | $269/mo | $285/mo | $297/mo |
| United American Insurance Company | $289/mo | $329/mo | $355/mo | $375/mo |
| Harvard Pilgrim Health Care Inc. | $264/mo | $307/mo | $354/mo | $588/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 New Hampshire 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 | $112/mo |
| Level 2 | $169/mo | |
| HealthSpring National Health Insurance Company | w / 20% HHD | $152/mo |
| w / 6% HHD | $179/mo | |
| Standard II w / 20% HHD | $228/mo | |
| Standard II w / 6% HHD | $268/mo | |
| Standard II | $285/mo | |
| Medico Insurance Company | Preferred | $223/mo |
| Standard I | $246/mo | |
| Standard II | $279/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $126/mo |
| Level 2 | $189/mo | |
| HealthSpring National Health Insurance Company | w / 20% HHD | $169/mo |
| w / 6% HHD | $198/mo | |
| Standard II w / 20% HHD | $253/mo | |
| Standard II w / 6% HHD | $298/mo | |
| Standard II | $317/mo | |
| Medico Insurance Company | Preferred | $257/mo |
| Standard I | $282/mo | |
| Standard II | $321/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 New Hampshire 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 | $203/mo |
| Level 2 | $306/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $228/mo |
| Level 2 | $343/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 New Hampshire 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 | $255/mo |
| Level 2 | $383/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $286/mo |
| Level 2 | $430/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 New Hampshire 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 | $256/mo |
| Level 2 | $385/mo | |
| HealthSpring National Health Insurance Company | w / 20% HHD | $260/mo |
| w / 6% HHD | $306/mo | |
| Standard II w / 20% HHD | $390/mo | |
| Standard II w / 6% HHD | $459/mo | |
| Standard II | $488/mo | |
| Medico Insurance Company | Preferred | $335/mo |
| Standard I | $369/mo | |
| Standard II | $419/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $288/mo |
| Level 2 | $432/mo | |
| HealthSpring National Health Insurance Company | w / 20% HHD | $289/mo |
| w / 6% HHD | $339/mo | |
| Standard II w / 20% HHD | $433/mo | |
| Standard II w / 6% HHD | $509/mo | |
| Standard II | $541/mo | |
| Medico Insurance Company | Preferred | $385/mo |
| Standard I | $424/mo | |
| Standard II | $482/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 New Hampshire carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Insurance Company | Preferred | $101/mo |
| Standard I | $111/mo | |
| Standard II | $126/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Insurance Company | Preferred | $116/mo |
| Standard I | $127/mo | |
| Standard II | $145/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 New Hampshire 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 | $176/mo |
| w / 6% HHD | $206/mo | |
| Standard II w / 20% HHD | $264/mo | |
| Standard II w / 6% HHD | $310/mo | |
| Standard II | $329/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $196/mo |
| Level 2 | $360/mo | |
| Medico Insurance Company | Preferred | $207/mo |
| Standard I | $228/mo | |
| Standard II | $259/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $195/mo |
| w / 6% HHD | $229/mo | |
| Standard II w / 20% HHD | $293/mo | |
| Standard II w / 6% HHD | $344/mo | |
| Standard II | $366/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $220/mo |
| Level 2 | $404/mo | |
| Medico Insurance Company | Preferred | $238/mo |
| Standard I | $262/mo | |
| Standard II | $298/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 New Hampshire carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Insurance Company | Preferred | $71/mo |
| Standard I | $79/mo | |
| Standard II | $89/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Insurance Company | Preferred | $82/mo |
| Standard I | $90/mo | |
| Standard II | $103/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 New Hampshire 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 | $73/mo |
| Level 2 | $111/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $83/mo |
| Level 2 | $125/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 New Hampshire 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 | $135/mo |
| Level 2 | $203/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $151/mo |
| Level 2 | $228/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 New Hampshire 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 | $126/mo |
| w / 6% HHD | $148/mo | |
| Standard II w / 20% HHD | $189/mo | |
| Standard II w / 6% HHD | $222/mo | |
| Standard II | $236/mo | |
| Medico Insurance Company | Preferred | $165/mo |
| Standard I | $181/mo | |
| Standard II | $206/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $182/mo |
| Level 2 | $274/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $140/mo |
| w / 6% HHD | $164/mo | |
| Standard II w / 20% HHD | $210/mo | |
| Standard II w / 6% HHD | $246/mo | |
| Standard II | $262/mo | |
| Medico Insurance Company | Preferred | $189/mo |
| Standard I | $208/mo | |
| Standard II | $236/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $204/mo |
| Level 2 | $307/mo |
Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.
Yes. You must be actively enrolled in both Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) before an insurance company can sell you a Medigap policy. Think of Original Medicare as the foundation of your coverage--as solid as the granite of our White Mountains. You simply cannot layer on a supplemental policy to cover your out-of-pocket deductibles and coinsurance until those core federal pieces are firmly in place.
Yes. New Hampshire strictly observes the standard federal 6-month Medigap Open Enrollment Period. This critical, one-time window automatically kicks off on the first day of the month you are 65 or older and enrolled in Medicare Part B. During these six months, private insurance companies must show you true New England hospitality: they are legally required to sell you any Medigap policy they offer, cannot put you through medical underwriting, and cannot charge you higher rates due to past or present health problems.
No. You are not legally required to buy a Medicare Part D plan in New Hampshire. However, skipping it is rarely a wise move. Modern Medigap policies do not cover retail prescription drugs. If you decide to go without a standalone Part D plan (and do not have equivalent creditable coverage from a source like a former employer), Medicare will attach a permanent monthly late-enrollment penalty to your premium when you eventually do sign up down the road.
No. Currently, New Hampshire does not have a Medicare Supplement birthday rule on the books. Once your initial enrollment windows pass, you do not get an automatic annual opportunity around your birthday to switch Medigap policies without health questions. If you want to change your plan or carrier later on to chase a lower premium, you will generally have to go through medical underwriting, meaning private insurers can look at your medical history and deny you coverage based on pre-existing conditions.
For the vast majority of New Hampshire residents, Medicare eligibility officially begins at age 65. Your Initial Enrollment Period is a seven-month window that opens three months before your 65th birthday month, includes the month you blow out the candles, and extends for three months after. However, you can qualify earlier than 65 if you have been receiving Social Security Disability benefits for 24 months, or if you have specific conditions like ALS or End-Stage Renal Disease (ESRD).
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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