Compare 2026 Medicare Supplement (Medigap) rates in New Mexico. 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 | $202/mo |
| 70 | $216/mo |
| 75 | $253/mo |
| 80 | $283/mo |
Rates are statewide averages across all carriers. Your actual premium will vary by carrier, zip code, health status, and underwriting factors. Get a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Figures for Medicare Supplement (Medigap) on this page use 2026 filed or community rates from our carrier-rate dataset for New Mexico. 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 |
|---|---|---|---|---|
| GPM Health and Life Insurance Company Lowest | $110/mo | $118/mo | $138/mo | $165/mo |
| First Health Life & Health Insurance Company | $117/mo | $134/mo | $149/mo | $158/mo |
| AARP - UnitedHealthcare Insurance Company | $124/mo | $138/mo | $160/mo | $186/mo |
| United American Insurance Company | $127/mo | $151/mo | $160/mo | $160/mo |
| Atlantic Capital Life Assurance Company | $131/mo | $138/mo | $164/mo | $195/mo |
| State Farm Mutual Automobile Insurance Company | $133/mo | $168/mo | $195/mo | $219/mo |
| American Benefit Life Insurance Company | $135/mo | $139/mo | $170/mo | $206/mo |
| MedMutual Protect | $138/mo | $147/mo | $172/mo | $202/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $139/mo | $158/mo | $189/mo | $220/mo |
| Nassau Life Insurance Company | $147/mo | $157/mo | $191/mo | $223/mo |
| Humana Insurance Company | $150/mo | $159/mo | $188/mo | $229/mo |
| Blue Cross and Blue Shield of New Mexico | $159/mo | $197/mo | $235/mo | $272/mo |
| AFLAC | $163/mo | $179/mo | $211/mo | $242/mo |
| Heartland National Life Insurance Company | $188/mo | $196/mo | $232/mo | $267/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| GPM Health and Life Insurance Company Lowest | $126/mo | $136/mo | $159/mo | $190/mo |
| First Health Life & Health Insurance Company | $128/mo | $146/mo | $162/mo | $172/mo |
| AARP - UnitedHealthcare Insurance Company | $140/mo | $155/mo | $181/mo | $209/mo |
| United American Insurance Company | $145/mo | $174/mo | $184/mo | $184/mo |
| Atlantic Capital Life Assurance Company | $151/mo | $158/mo | $188/mo | $223/mo |
| State Farm Mutual Automobile Insurance Company | $133/mo | $168/mo | $195/mo | $219/mo |
| American Benefit Life Insurance Company | $156/mo | $160/mo | $195/mo | $237/mo |
| MedMutual Protect | $152/mo | $162/mo | $190/mo | $223/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $160/mo | $182/mo | $217/mo | $253/mo |
| Nassau Life Insurance Company | $168/mo | $180/mo | $220/mo | $256/mo |
| Humana Insurance Company | $170/mo | $180/mo | $213/mo | $259/mo |
| Blue Cross and Blue Shield of New Mexico | $177/mo | $218/mo | $260/mo | $302/mo |
| AFLAC | $187/mo | $205/mo | $241/mo | $277/mo |
| Heartland National Life Insurance Company | $217/mo | $226/mo | $267/mo | $307/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 | $133/mo | $155/mo | $177/mo | $195/mo |
| AARP - UnitedHealthcare Insurance Company | $166/mo | $185/mo | $215/mo | $249/mo |
| United American Insurance Company | $256/mo | $313/mo | $343/mo | $350/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $145/mo | $169/mo | $193/mo | $212/mo |
| AARP - UnitedHealthcare Insurance Company | $188/mo | $209/mo | $243/mo | $281/mo |
| United American Insurance Company | $294/mo | $360/mo | $394/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.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $198/mo | $220/mo | $256/mo | $296/mo |
| State Farm Mutual Automobile Insurance Company | $219/mo | $276/mo | $320/mo | $359/mo |
| United American Insurance Company | $271/mo | $336/mo | $379/mo | $418/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company | $224/mo | $248/mo | $289/mo | $335/mo |
| State Farm Mutual Automobile Insurance Company Lowest | $219/mo | $276/mo | $320/mo | $359/mo |
| United American Insurance Company | $312/mo | $387/mo | $436/mo | $480/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 | $161/mo | $197/mo | $232/mo | $264/mo |
| MedMutual Protect | $200/mo | $214/mo | $251/mo | $294/mo |
| United American Insurance Company | $254/mo | $320/mo | $363/mo | $402/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $165/mo | $217/mo | $262/mo | $303/mo |
| MedMutual Protect | $221/mo | $235/mo | $276/mo | $324/mo |
| United American Insurance Company | $292/mo | $367/mo | $418/mo | $462/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 |
|---|---|---|---|---|
| Atlantic Capital Life Assurance Company Lowest | $132/mo | $138/mo | $164/mo | $195/mo |
| MedMutual Protect | $137/mo | $146/mo | $171/mo | $200/mo |
| GPM Health and Life Insurance Company | $146/mo | $154/mo | $177/mo | $212/mo |
| Nassau Life Insurance Company | $157/mo | $170/mo | $204/mo | $240/mo |
| AFLAC | $164/mo | $178/mo | $219/mo | $269/mo |
| American Benefit Life Insurance Company | $166/mo | $173/mo | $208/mo | $250/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $172/mo | $172/mo | $198/mo | $230/mo |
| First Health Life & Health Insurance Company | $197/mo | $230/mo | $264/mo | $294/mo |
| AARP - UnitedHealthcare Insurance Company | $200/mo | $222/mo | $258/mo | $299/mo |
| Humana Insurance Company | $209/mo | $222/mo | $263/mo | $320/mo |
| State Farm Mutual Automobile Insurance Company | $221/mo | $279/mo | $323/mo | $363/mo |
| Blue Cross and Blue Shield of New Mexico | $244/mo | $302/mo | $360/mo | $417/mo |
| United American Insurance Company | $325/mo | $402/mo | $454/mo | $499/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Atlantic Capital Life Assurance Company | $151/mo | $159/mo | $188/mo | $223/mo |
| MedMutual Protect Lowest | $150/mo | $160/mo | $188/mo | $220/mo |
| GPM Health and Life Insurance Company | $168/mo | $177/mo | $204/mo | $244/mo |
| Nassau Life Insurance Company | $180/mo | $195/mo | $234/mo | $276/mo |
| AFLAC | $188/mo | $204/mo | $251/mo | $308/mo |
| American Benefit Life Insurance Company | $191/mo | $199/mo | $239/mo | $288/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $198/mo | $198/mo | $228/mo | $265/mo |
| First Health Life & Health Insurance Company | $213/mo | $250/mo | $287/mo | $319/mo |
| AARP - UnitedHealthcare Insurance Company | $226/mo | $250/mo | $292/mo | $337/mo |
| Humana Insurance Company | $237/mo | $251/mo | $297/mo | $361/mo |
| State Farm Mutual Automobile Insurance Company | $221/mo | $279/mo | $323/mo | $363/mo |
| Blue Cross and Blue Shield of New Mexico | $270/mo | $334/mo | $398/mo | $462/mo |
| United American Insurance Company | $374/mo | $462/mo | $522/mo | $574/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 | $49/mo | $64/mo | $80/mo | $88/mo |
| Blue Cross and Blue Shield of New Mexico | $71/mo | $88/mo | $104/mo | $121/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $57/mo | $74/mo | $91/mo | $101/mo |
| Blue Cross and Blue Shield of New Mexico | $79/mo | $97/mo | $116/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 |
|---|---|---|---|---|
| Atlantic Capital Life Assurance Company Lowest | $105/mo | $111/mo | $131/mo | $156/mo |
| GPM Health and Life Insurance Company | $119/mo | $129/mo | $150/mo | $180/mo |
| MedMutual Protect | $119/mo | $127/mo | $149/mo | $174/mo |
| Nassau Life Insurance Company | $134/mo | $143/mo | $175/mo | $208/mo |
| American Benefit Life Insurance Company | $136/mo | $140/mo | $170/mo | $207/mo |
| AFLAC | $142/mo | $150/mo | $183/mo | $239/mo |
| First Health Life & Health Insurance Company | $143/mo | $168/mo | $194/mo | $217/mo |
| State Farm Mutual Automobile Insurance Company | $161/mo | $197/mo | $232/mo | $264/mo |
| AARP - UnitedHealthcare Insurance Company | $166/mo | $185/mo | $215/mo | $249/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $166/mo | $166/mo | $191/mo | $222/mo |
| Humana Insurance Company | $176/mo | $187/mo | $221/mo | $269/mo |
| Blue Cross and Blue Shield of New Mexico | $189/mo | $239/mo | $289/mo | $339/mo |
| Heartland National Life Insurance Company | $204/mo | $208/mo | $253/mo | $302/mo |
| United American Insurance Company | $264/mo | $332/mo | $378/mo | $418/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Atlantic Capital Life Assurance Company Lowest | $121/mo | $127/mo | $151/mo | $179/mo |
| GPM Health and Life Insurance Company | $137/mo | $148/mo | $173/mo | $207/mo |
| MedMutual Protect | $131/mo | $139/mo | $163/mo | $192/mo |
| Nassau Life Insurance Company | $154/mo | $165/mo | $201/mo | $239/mo |
| American Benefit Life Insurance Company | $157/mo | $161/mo | $196/mo | $239/mo |
| AFLAC | $163/mo | $171/mo | $210/mo | $274/mo |
| First Health Life & Health Insurance Company | $155/mo | $182/mo | $210/mo | $235/mo |
| State Farm Mutual Automobile Insurance Company | $165/mo | $218/mo | $263/mo | $304/mo |
| AARP - UnitedHealthcare Insurance Company | $188/mo | $208/mo | $243/mo | $281/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $191/mo | $191/mo | $220/mo | $256/mo |
| Humana Insurance Company | $199/mo | $211/mo | $250/mo | $304/mo |
| Blue Cross and Blue Shield of New Mexico | $211/mo | $267/mo | $322/mo | $378/mo |
| Heartland National Life Insurance Company | $234/mo | $240/mo | $291/mo | $348/mo |
| United American Insurance Company | $304/mo | $382/mo | $434/mo | $480/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Continental Life Insurance Company of Brentwood, Tennessee Lowest | $34/mo | $39/mo | $47/mo | $54/mo |
| Atlantic Capital Life Assurance Company | $35/mo | $37/mo | $44/mo | $52/mo |
| Humana Insurance Company | $37/mo | $39/mo | $46/mo | $56/mo |
| MedMutual Protect | $38/mo | $41/mo | $48/mo | $56/mo |
| United American Insurance Company | $49/mo | $64/mo | $80/mo | $88/mo |
| Blue Cross and Blue Shield of New Mexico | $75/mo | $93/mo | $111/mo | $128/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Continental Life Insurance Company of Brentwood, Tennessee Lowest | $39/mo | $45/mo | $54/mo | $62/mo |
| Atlantic Capital Life Assurance Company | $40/mo | $42/mo | $50/mo | $59/mo |
| Humana Insurance Company | $41/mo | $44/mo | $52/mo | $63/mo |
| MedMutual Protect | $42/mo | $45/mo | $52/mo | $61/mo |
| United American Insurance Company | $57/mo | $74/mo | $91/mo | $101/mo |
| Blue Cross and Blue Shield of New Mexico | $83/mo | $103/mo | $122/mo | $142/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 | $56/mo | $63/mo | $73/mo | $85/mo |
| Atlantic Capital Life Assurance Company | $66/mo | $70/mo | $83/mo | $98/mo |
| United American Insurance Company | $133/mo | $177/mo | $197/mo | $210/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $64/mo | $71/mo | $83/mo | $96/mo |
| Atlantic Capital Life Assurance Company | $76/mo | $80/mo | $95/mo | $112/mo |
| United American Insurance Company | $116/mo | $154/mo | $172/mo | $182/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 | $110/mo | $122/mo | $142/mo | $164/mo |
| United American Insurance Company | $186/mo | $249/mo | $277/mo | $295/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $124/mo | $138/mo | $161/mo | $186/mo |
| United American Insurance Company | $162/mo | $216/mo | $241/mo | $256/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 |
|---|---|---|---|---|
| Atlantic Capital Life Assurance Company Lowest | $84/mo | $88/mo | $105/mo | $124/mo |
| MedMutual Protect | $85/mo | $91/mo | $106/mo | $125/mo |
| GPM Health and Life Insurance Company | $91/mo | $98/mo | $117/mo | $141/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $94/mo | $107/mo | $128/mo | $149/mo |
| Nassau Life Insurance Company | $97/mo | $103/mo | $127/mo | $152/mo |
| American Benefit Life Insurance Company | $99/mo | $109/mo | $136/mo | $170/mo |
| First Health Life & Health Insurance Company | $100/mo | $119/mo | $137/mo | $155/mo |
| AFLAC | $102/mo | $113/mo | $140/mo | $183/mo |
| Humana Insurance Company | $103/mo | $116/mo | $142/mo | $171/mo |
| State Farm Mutual Automobile Insurance Company | $122/mo | $149/mo | $177/mo | $205/mo |
| Heartland National Life Insurance Company | $133/mo | $139/mo | $170/mo | $204/mo |
| AARP - UnitedHealthcare Insurance Company | $139/mo | $155/mo | $181/mo | $209/mo |
| Blue Cross and Blue Shield of New Mexico | $159/mo | $202/mo | $244/mo | $286/mo |
| United American Insurance Company | $262/mo | $332/mo | $380/mo | $426/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Atlantic Capital Life Assurance Company | $96/mo | $101/mo | $120/mo | $142/mo |
| MedMutual Protect Lowest | $93/mo | $100/mo | $117/mo | $137/mo |
| GPM Health and Life Insurance Company | $104/mo | $112/mo | $135/mo | $162/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $108/mo | $123/mo | $147/mo | $171/mo |
| Nassau Life Insurance Company | $111/mo | $119/mo | $146/mo | $174/mo |
| American Benefit Life Insurance Company | $114/mo | $125/mo | $156/mo | $195/mo |
| First Health Life & Health Insurance Company | $108/mo | $128/mo | $148/mo | $167/mo |
| AFLAC | $117/mo | $129/mo | $161/mo | $210/mo |
| Humana Insurance Company | $116/mo | $131/mo | $161/mo | $194/mo |
| State Farm Mutual Automobile Insurance Company | $128/mo | $167/mo | $202/mo | $236/mo |
| Heartland National Life Insurance Company | $153/mo | $160/mo | $195/mo | $234/mo |
| AARP - UnitedHealthcare Insurance Company | $158/mo | $175/mo | $204/mo | $236/mo |
| Blue Cross and Blue Shield of New Mexico | $179/mo | $225/mo | $272/mo | $319/mo |
| United American Insurance Company | $301/mo | $382/mo | $437/mo | $490/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 |
|---|---|---|---|---|
| GPM Health and Life Insurance Company | $118/mo | $127/mo | $148/mo | $178/mo |
| United American Insurance Company | $127/mo | $151/mo | $160/mo | $160/mo |
| First Health Life & Health Insurance Company | $128/mo | $146/mo | $163/mo | $172/mo |
| State Farm Mutual Automobile Insurance Company | $133/mo | $168/mo | $195/mo | $219/mo |
| MedMutual Protect | $138/mo | $147/mo | $172/mo | $202/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $139/mo | $158/mo | $189/mo | $220/mo |
| American Benefit Life Insurance Company | $144/mo | $148/mo | $180/mo | $219/mo |
| Humana Insurance Company | $150/mo | $159/mo | $188/mo | $229/mo |
| Nassau Life Insurance Company | $154/mo | $165/mo | $202/mo | $235/mo |
| Atlantic Capital Life Assurance Company | $155/mo | $163/mo | $194/mo | $230/mo |
| Blue Cross and Blue Shield of New Mexico | $159/mo | $197/mo | $235/mo | $272/mo |
| AFLAC | $173/mo | $190/mo | $223/mo | $256/mo |
| Heartland National Life Insurance Company | $201/mo | $210/mo | $248/mo | $285/mo |
| AARP - UnitedHealthcare Insurance Company | $235/mo | $242/mo | $253/mo | $261/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| GPM Health and Life Insurance Company | $136/mo | $146/mo | $171/mo | $204/mo |
| United American Insurance Company | $145/mo | $174/mo | $184/mo | $184/mo |
| First Health Life & Health Insurance Company | $140/mo | $160/mo | $178/mo | $188/mo |
| State Farm Mutual Automobile Insurance Company | $133/mo | $168/mo | $195/mo | $219/mo |
| MedMutual Protect | $152/mo | $162/mo | $190/mo | $223/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $160/mo | $182/mo | $217/mo | $253/mo |
| American Benefit Life Insurance Company | $165/mo | $170/mo | $207/mo | $252/mo |
| Humana Insurance Company | $170/mo | $180/mo | $213/mo | $259/mo |
| Nassau Life Insurance Company | $178/mo | $190/mo | $232/mo | $270/mo |
| Atlantic Capital Life Assurance Company | $178/mo | $187/mo | $223/mo | $264/mo |
| Blue Cross and Blue Shield of New Mexico | $177/mo | $218/mo | $260/mo | $302/mo |
| AFLAC | $198/mo | $217/mo | $256/mo | $294/mo |
| Heartland National Life Insurance Company | $231/mo | $241/mo | $286/mo | $328/mo |
| AARP - UnitedHealthcare Insurance Company | $265/mo | $273/mo | $285/mo | $295/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 | $146/mo | $170/mo | $193/mo | $213/mo |
| United American Insurance Company | $256/mo | $313/mo | $343/mo | $350/mo |
| AARP - UnitedHealthcare Insurance Company | $315/mo | $324/mo | $339/mo | $351/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $159/mo | $185/mo | $211/mo | $232/mo |
| United American Insurance Company | $294/mo | $360/mo | $394/mo | $402/mo |
| AARP - UnitedHealthcare Insurance Company | $355/mo | $366/mo | $383/mo | $396/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 | $219/mo | $276/mo | $320/mo | $359/mo |
| United American Insurance Company | $271/mo | $336/mo | $379/mo | $418/mo |
| AARP - UnitedHealthcare Insurance Company | $375/mo | $386/mo | $404/mo | $417/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $219/mo | $276/mo | $320/mo | $359/mo |
| United American Insurance Company | $312/mo | $387/mo | $436/mo | $480/mo |
| AARP - UnitedHealthcare Insurance Company | $423/mo | $436/mo | $456/mo | $471/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 | $161/mo | $197/mo | $232/mo | $264/mo |
| MedMutual Protect | $200/mo | $214/mo | $251/mo | $294/mo |
| United American Insurance Company | $254/mo | $320/mo | $363/mo | $402/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $165/mo | $217/mo | $262/mo | $303/mo |
| MedMutual Protect | $221/mo | $235/mo | $276/mo | $324/mo |
| United American Insurance Company | $292/mo | $367/mo | $418/mo | $462/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect | $137/mo | $146/mo | $171/mo | $200/mo |
| Atlantic Capital Life Assurance Company | $155/mo | $163/mo | $194/mo | $230/mo |
| GPM Health and Life Insurance Company | $157/mo | $165/mo | $191/mo | $228/mo |
| Nassau Life Insurance Company | $165/mo | $179/mo | $215/mo | $253/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $172/mo | $172/mo | $198/mo | $230/mo |
| AFLAC | $174/mo | $189/mo | $233/mo | $285/mo |
| American Benefit Life Insurance Company | $176/mo | $184/mo | $220/mo | $266/mo |
| Humana Insurance Company | $209/mo | $222/mo | $263/mo | $320/mo |
| First Health Life & Health Insurance Company | $215/mo | $252/mo | $290/mo | $322/mo |
| State Farm Mutual Automobile Insurance Company | $221/mo | $279/mo | $323/mo | $363/mo |
| Blue Cross and Blue Shield of New Mexico | $244/mo | $302/mo | $360/mo | $417/mo |
| United American Insurance Company | $325/mo | $402/mo | $454/mo | $499/mo |
| AARP - UnitedHealthcare Insurance Company | $378/mo | $389/mo | $407/mo | $420/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect | $150/mo | $160/mo | $188/mo | $220/mo |
| Atlantic Capital Life Assurance Company | $178/mo | $187/mo | $223/mo | $264/mo |
| GPM Health and Life Insurance Company | $181/mo | $190/mo | $219/mo | $262/mo |
| Nassau Life Insurance Company | $190/mo | $205/mo | $247/mo | $291/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $198/mo | $198/mo | $228/mo | $265/mo |
| AFLAC | $200/mo | $216/mo | $267/mo | $327/mo |
| American Benefit Life Insurance Company | $202/mo | $211/mo | $253/mo | $306/mo |
| Humana Insurance Company | $237/mo | $251/mo | $297/mo | $361/mo |
| First Health Life & Health Insurance Company | $233/mo | $274/mo | $314/mo | $350/mo |
| State Farm Mutual Automobile Insurance Company | $221/mo | $279/mo | $323/mo | $363/mo |
| Blue Cross and Blue Shield of New Mexico | $270/mo | $334/mo | $398/mo | $462/mo |
| United American Insurance Company | $374/mo | $462/mo | $522/mo | $574/mo |
| AARP - UnitedHealthcare Insurance Company | $426/mo | $439/mo | $459/mo | $475/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 | $49/mo | $64/mo | $80/mo | $88/mo |
| Blue Cross and Blue Shield of New Mexico | $71/mo | $88/mo | $104/mo | $121/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $57/mo | $74/mo | $91/mo | $101/mo |
| Blue Cross and Blue Shield of New Mexico | $79/mo | $97/mo | $116/mo | $134/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect | $119/mo | $127/mo | $149/mo | $174/mo |
| Atlantic Capital Life Assurance Company | $124/mo | $131/mo | $155/mo | $184/mo |
| GPM Health and Life Insurance Company | $128/mo | $139/mo | $162/mo | $194/mo |
| Nassau Life Insurance Company | $141/mo | $151/mo | $184/mo | $219/mo |
| American Benefit Life Insurance Company | $144/mo | $148/mo | $181/mo | $220/mo |
| AFLAC | $151/mo | $159/mo | $194/mo | $254/mo |
| First Health Life & Health Insurance Company | $156/mo | $184/mo | $212/mo | $237/mo |
| State Farm Mutual Automobile Insurance Company | $161/mo | $197/mo | $232/mo | $264/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $166/mo | $166/mo | $191/mo | $222/mo |
| Humana Insurance Company | $176/mo | $187/mo | $221/mo | $269/mo |
| Blue Cross and Blue Shield of New Mexico | $201/mo | $251/mo | $301/mo | $351/mo |
| Heartland National Life Insurance Company | $218/mo | $223/mo | $271/mo | $323/mo |
| United American Insurance Company | $264/mo | $332/mo | $378/mo | $418/mo |
| AARP - UnitedHealthcare Insurance Company | $356/mo | $366/mo | $367/mo | $378/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect | $131/mo | $139/mo | $163/mo | $192/mo |
| Atlantic Capital Life Assurance Company | $143/mo | $150/mo | $178/mo | $211/mo |
| GPM Health and Life Insurance Company | $148/mo | $159/mo | $186/mo | $223/mo |
| Nassau Life Insurance Company | $162/mo | $174/mo | $212/mo | $252/mo |
| American Benefit Life Insurance Company | $166/mo | $171/mo | $208/mo | $253/mo |
| AFLAC | $173/mo | $182/mo | $223/mo | $290/mo |
| First Health Life & Health Insurance Company | $169/mo | $199/mo | $230/mo | $257/mo |
| State Farm Mutual Automobile Insurance Company | $165/mo | $218/mo | $263/mo | $304/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $191/mo | $191/mo | $220/mo | $256/mo |
| Humana Insurance Company | $199/mo | $211/mo | $250/mo | $304/mo |
| Blue Cross and Blue Shield of New Mexico | $223/mo | $279/mo | $334/mo | $390/mo |
| Heartland National Life Insurance Company | $250/mo | $256/mo | $311/mo | $372/mo |
| United American Insurance Company | $304/mo | $382/mo | $434/mo | $480/mo |
| AARP - UnitedHealthcare Insurance Company | $402/mo | $413/mo | $414/mo | $427/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Continental Life Insurance Company of Brentwood, Tennessee | $34/mo | $39/mo | $47/mo | $54/mo |
| Humana Insurance Company | $37/mo | $39/mo | $46/mo | $56/mo |
| MedMutual Protect | $38/mo | $41/mo | $48/mo | $56/mo |
| Atlantic Capital Life Assurance Company | $41/mo | $43/mo | $52/mo | $61/mo |
| United American Insurance Company | $49/mo | $64/mo | $80/mo | $88/mo |
| Blue Cross and Blue Shield of New Mexico | $75/mo | $93/mo | $111/mo | $128/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Continental Life Insurance Company of Brentwood, Tennessee | $39/mo | $45/mo | $54/mo | $62/mo |
| Humana Insurance Company | $41/mo | $44/mo | $52/mo | $63/mo |
| MedMutual Protect | $42/mo | $45/mo | $52/mo | $61/mo |
| Atlantic Capital Life Assurance Company | $47/mo | $50/mo | $59/mo | $70/mo |
| United American Insurance Company | $57/mo | $74/mo | $91/mo | $101/mo |
| Blue Cross and Blue Shield of New Mexico | $83/mo | $103/mo | $122/mo | $142/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 |
|---|---|---|---|---|
| Atlantic Capital Life Assurance Company | $78/mo | $82/mo | $98/mo | $116/mo |
| AARP - UnitedHealthcare Insurance Company | $108/mo | $111/mo | $116/mo | $120/mo |
| United American Insurance Company | $133/mo | $177/mo | $197/mo | $210/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Atlantic Capital Life Assurance Company | $90/mo | $94/mo | $112/mo | $133/mo |
| AARP - UnitedHealthcare Insurance Company | $122/mo | $126/mo | $131/mo | $136/mo |
| United American Insurance Company | $116/mo | $154/mo | $172/mo | $182/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 | $186/mo | $249/mo | $277/mo | $295/mo |
| AARP - UnitedHealthcare Insurance Company | $208/mo | $214/mo | $224/mo | $232/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $162/mo | $216/mo | $241/mo | $256/mo |
| AARP - UnitedHealthcare Insurance Company | $235/mo | $242/mo | $253/mo | $262/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect | $85/mo | $91/mo | $106/mo | $125/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $94/mo | $107/mo | $128/mo | $149/mo |
| GPM Health and Life Insurance Company | $98/mo | $105/mo | $126/mo | $151/mo |
| Atlantic Capital Life Assurance Company | $99/mo | $104/mo | $124/mo | $147/mo |
| Nassau Life Insurance Company | $102/mo | $109/mo | $134/mo | $160/mo |
| Humana Insurance Company | $103/mo | $116/mo | $142/mo | $171/mo |
| American Benefit Life Insurance Company | $106/mo | $115/mo | $144/mo | $180/mo |
| AFLAC | $109/mo | $120/mo | $149/mo | $194/mo |
| First Health Life & Health Insurance Company | $110/mo | $130/mo | $150/mo | $170/mo |
| State Farm Mutual Automobile Insurance Company | $122/mo | $149/mo | $177/mo | $205/mo |
| Heartland National Life Insurance Company | $142/mo | $149/mo | $181/mo | $218/mo |
| Blue Cross and Blue Shield of New Mexico | $159/mo | $202/mo | $244/mo | $286/mo |
| United American Insurance Company | $262/mo | $332/mo | $380/mo | $426/mo |
| AARP - UnitedHealthcare Insurance Company | $337/mo | $345/mo | $333/mo | $343/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect | $93/mo | $100/mo | $117/mo | $137/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $108/mo | $123/mo | $147/mo | $171/mo |
| GPM Health and Life Insurance Company | $112/mo | $121/mo | $145/mo | $174/mo |
| Atlantic Capital Life Assurance Company | $114/mo | $119/mo | $142/mo | $168/mo |
| Nassau Life Insurance Company | $117/mo | $125/mo | $154/mo | $184/mo |
| Humana Insurance Company | $116/mo | $131/mo | $161/mo | $194/mo |
| American Benefit Life Insurance Company | $121/mo | $133/mo | $166/mo | $207/mo |
| AFLAC | $124/mo | $137/mo | $171/mo | $222/mo |
| First Health Life & Health Insurance Company | $118/mo | $140/mo | $162/mo | $183/mo |
| State Farm Mutual Automobile Insurance Company | $128/mo | $167/mo | $202/mo | $236/mo |
| Heartland National Life Insurance Company | $164/mo | $171/mo | $208/mo | $251/mo |
| Blue Cross and Blue Shield of New Mexico | $179/mo | $225/mo | $272/mo | $319/mo |
| United American Insurance Company | $301/mo | $382/mo | $437/mo | $490/mo |
| AARP - UnitedHealthcare Insurance Company | $381/mo | $389/mo | $376/mo | $387/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
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 Mexico 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 | $124 – $126/mo |
| Level 2 | $341 – $348/mo | |
| Atlantic Capital Life Assurance Company | Preferred | $131 – $143/mo |
| Standard | $166 – $181/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $140 – $143/mo |
| Level 2 | $385 – $393/mo | |
| Atlantic Capital Life Assurance Company | Preferred | $151 – $164/mo |
| Standard | $190 – $208/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 Mexico carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $166 – $170/mo |
| Level 2 | $457 – $466/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $188 – $192/mo |
| Level 2 | $516 – $526/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 Mexico 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 | $198 – $202/mo |
| Level 2 | $544 – $555/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $224 – $228/mo |
| Level 2 | $614 – $627/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 Mexico 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 |
|---|---|---|
| Atlantic Capital Life Assurance Company | Preferred | $132 – $143/mo |
| Standard | $166 – $181/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $200 – $204/mo |
| Level 2 | $548 – $559/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Atlantic Capital Life Assurance Company | Preferred | $151 – $165/mo |
| Standard | $191 – $208/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $226 – $230/mo |
| Level 2 | $619 – $631/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 Mexico 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 |
|---|---|---|
| Atlantic Capital Life Assurance Company | Preferred | $105 – $115/mo |
| Standard | $133 – $145/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $166 – $170/mo |
| Level 2 | $540 – $550/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Atlantic Capital Life Assurance Company | Preferred | $121 – $132/mo |
| Standard | $152 – $166/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $188 – $192/mo |
| Level 2 | $609 – $621/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 Mexico 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 |
|---|---|---|
| Atlantic Capital Life Assurance Company | Preferred | $35 – $38/mo |
| Standard | $44 – $48/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Atlantic Capital Life Assurance Company | Preferred | $40 – $44/mo |
| Standard | $50 – $55/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 Mexico 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 | $56 – $58/mo |
| Level 2 | $157 – $160/mo | |
| Atlantic Capital Life Assurance Company | Preferred | $66 – $72/mo |
| Standard | $83 – $91/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $64 – $65/mo |
| Level 2 | $177 – $181/mo | |
| Atlantic Capital Life Assurance Company | Preferred | $76 – $83/mo |
| Standard | $96 – $104/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 Mexico 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 | $110 – $112/mo |
| Level 2 | $303 – $309/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $124 – $127/mo |
| Level 2 | $342 – $349/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 Mexico 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 |
|---|---|---|
| Atlantic Capital Life Assurance Company | Preferred | $84 – $91/mo |
| Standard | $106 – $115/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $139 – $142/mo |
| Level 2 | $528 – $539/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Atlantic Capital Life Assurance Company | Preferred | $96 – $105/mo |
| Standard | $121 – $132/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $158 – $161/mo |
| Level 2 | $596 – $608/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.