Compare 2026 Medicare Supplement (Medigap) rates in North Dakota. 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 | $230/mo |
| 75 | $270/mo |
| 80 | $313/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 North Dakota. 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 |
|---|---|---|---|---|
| Atlantic Capital Life Assurance Company Lowest | $125/mo | $132/mo | $157/mo | $186/mo |
| United American Insurance Company | $126/mo | $152/mo | $161/mo | $161/mo |
| BlueCross BlueShield of North Dakota | $127/mo | $147/mo | $173/mo | $195/mo |
| GPM Health and Life Insurance Company | $127/mo | $137/mo | $160/mo | $192/mo |
| HealthSpring National Health Insurance Company | $137/mo | $147/mo | $172/mo | $204/mo |
| State Farm Mutual Automobile Insurance Company | $149/mo | $188/mo | $218/mo | $245/mo |
| Medica Insurance Company | $172/mo | $181/mo | $213/mo | $245/mo |
| AFLAC | $181/mo | $198/mo | $233/mo | $267/mo |
| Wisconsin Physicians Service Insurance Corporation | $181/mo | $215/mo | $253/mo | $288/mo |
| ManhattanLife Insurance and Annuity Company | $183/mo | $200/mo | $236/mo | $281/mo |
| Humana Insurance Company | $184/mo | $217/mo | $252/mo | $286/mo |
| American Continental Insurance Company | $186/mo | $210/mo | $246/mo | $271/mo |
| AARP - UnitedHealthcare Insurance Company of America | $203/mo | $226/mo | $263/mo | $305/mo |
| Guarantee Trust Life Insurance Company | $266/mo | $282/mo | $318/mo | $368/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Atlantic Capital Life Assurance Company | $143/mo | $150/mo | $179/mo | $212/mo |
| United American Insurance Company | $144/mo | $175/mo | $185/mo | $185/mo |
| BlueCross BlueShield of North Dakota Lowest | $127/mo | $157/mo | $195/mo | $226/mo |
| GPM Health and Life Insurance Company | $146/mo | $158/mo | $184/mo | $220/mo |
| HealthSpring National Health Insurance Company | $152/mo | $163/mo | $191/mo | $226/mo |
| State Farm Mutual Automobile Insurance Company | $162/mo | $204/mo | $236/mo | $265/mo |
| Medica Insurance Company | $197/mo | $209/mo | $246/mo | $282/mo |
| AFLAC | $207/mo | $226/mo | $267/mo | $306/mo |
| Wisconsin Physicians Service Insurance Corporation | $199/mo | $237/mo | $278/mo | $317/mo |
| ManhattanLife Insurance and Annuity Company | $210/mo | $230/mo | $271/mo | $323/mo |
| Humana Insurance Company | $184/mo | $224/mo | $273/mo | $322/mo |
| American Continental Insurance Company | $214/mo | $242/mo | $283/mo | $311/mo |
| AARP - UnitedHealthcare Insurance Company of America | $230/mo | $255/mo | $298/mo | $344/mo |
| Guarantee Trust Life Insurance Company | $298/mo | $317/mo | $360/mo | $417/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 |
|---|---|---|---|---|
| Humana Insurance Company Lowest | $194/mo | $229/mo | $265/mo | $302/mo |
| United American Insurance Company | $257/mo | $318/mo | $347/mo | $351/mo |
| American Continental Insurance Company | $281/mo | $318/mo | $372/mo | $409/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Humana Insurance Company Lowest | $194/mo | $236/mo | $287/mo | $340/mo |
| United American Insurance Company | $295/mo | $365/mo | $399/mo | $404/mo |
| American Continental Insurance Company | $323/mo | $366/mo | $427/mo | $471/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $234/mo | $294/mo | $341/mo | $383/mo |
| BlueCross BlueShield of North Dakota | $235/mo | $272/mo | $322/mo | $363/mo |
| Humana Insurance Company | $243/mo | $287/mo | $332/mo | $378/mo |
| Wisconsin Physicians Service Insurance Corporation | $252/mo | $301/mo | $353/mo | $402/mo |
| United American Insurance Company | $265/mo | $331/mo | $373/mo | $406/mo |
| Guarantee Trust Life Insurance Company | $337/mo | $358/mo | $426/mo | $532/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $253/mo | $319/mo | $370/mo | $415/mo |
| BlueCross BlueShield of North Dakota Lowest | $237/mo | $292/mo | $364/mo | $422/mo |
| Humana Insurance Company | $243/mo | $296/mo | $360/mo | $425/mo |
| Wisconsin Physicians Service Insurance Corporation | $277/mo | $331/mo | $388/mo | $443/mo |
| United American Insurance Company | $305/mo | $381/mo | $429/mo | $467/mo |
| Guarantee Trust Life Insurance Company | $378/mo | $401/mo | $477/mo | $596/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 | $186/mo | $228/mo | $268/mo | $305/mo |
| United American Insurance Company | $255/mo | $325/mo | $369/mo | $403/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $190/mo | $251/mo | $303/mo | $350/mo |
| United American Insurance Company | $293/mo | $373/mo | $424/mo | $463/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 | $140/mo | $166/mo | $195/mo | $231/mo |
| Atlantic Capital Life Assurance Company | $147/mo | $154/mo | $183/mo | $217/mo |
| GPM Health and Life Insurance Company | $193/mo | $204/mo | $235/mo | $281/mo |
| AFLAC | $196/mo | $212/mo | $262/mo | $324/mo |
| ManhattanLife Insurance and Annuity Company | $197/mo | $213/mo | $253/mo | $310/mo |
| Medica Insurance Company | $204/mo | $214/mo | $254/mo | $300/mo |
| State Farm Mutual Automobile Insurance Company | $236/mo | $297/mo | $344/mo | $387/mo |
| BlueCross BlueShield of North Dakota | $255/mo | $296/mo | $350/mo | $394/mo |
| Wisconsin Physicians Service Insurance Corporation | $256/mo | $306/mo | $358/mo | $409/mo |
| United American Insurance Company | $259/mo | $323/mo | $365/mo | $396/mo |
| Humana Insurance Company | $272/mo | $321/mo | $372/mo | $423/mo |
| AARP - UnitedHealthcare Insurance Company of America | $327/mo | $364/mo | $424/mo | $490/mo |
| Guarantee Trust Life Insurance Company | $337/mo | $358/mo | $426/mo | $533/mo |
| American Continental Insurance Company | $357/mo | $401/mo | $461/mo | $498/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring National Health Insurance Company Lowest | $155/mo | $185/mo | $216/mo | $257/mo |
| Atlantic Capital Life Assurance Company | $168/mo | $176/mo | $209/mo | $248/mo |
| GPM Health and Life Insurance Company | $222/mo | $234/mo | $270/mo | $323/mo |
| AFLAC | $225/mo | $243/mo | $300/mo | $371/mo |
| ManhattanLife Insurance and Annuity Company | $226/mo | $245/mo | $292/mo | $357/mo |
| Medica Insurance Company | $234/mo | $246/mo | $293/mo | $345/mo |
| State Farm Mutual Automobile Insurance Company | $256/mo | $322/mo | $374/mo | $419/mo |
| BlueCross BlueShield of North Dakota | $258/mo | $317/mo | $395/mo | $457/mo |
| Wisconsin Physicians Service Insurance Corporation | $282/mo | $336/mo | $394/mo | $450/mo |
| United American Insurance Company | $298/mo | $372/mo | $419/mo | $456/mo |
| Humana Insurance Company | $272/mo | $331/mo | $403/mo | $476/mo |
| AARP - UnitedHealthcare Insurance Company of America | $370/mo | $411/mo | $479/mo | $553/mo |
| Guarantee Trust Life Insurance Company | $378/mo | $401/mo | $477/mo | $597/mo |
| American Continental Insurance Company | $411/mo | $461/mo | $530/mo | $573/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 |
|---|---|---|---|---|
| Humana Insurance Company Lowest | $46/mo | $54/mo | $62/mo | $71/mo |
| United American Insurance Company | $46/mo | $60/mo | $75/mo | $81/mo |
| BlueCross BlueShield of North Dakota | $59/mo | $69/mo | $82/mo | $92/mo |
| American Continental Insurance Company | $77/mo | $86/mo | $99/mo | $107/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Humana Insurance Company Lowest | $46/mo | $56/mo | $68/mo | $80/mo |
| United American Insurance Company | $53/mo | $69/mo | $86/mo | $93/mo |
| BlueCross BlueShield of North Dakota | $60/mo | $74/mo | $92/mo | $107/mo |
| American Continental Insurance Company | $89/mo | $99/mo | $114/mo | $124/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 | $126/mo | $132/mo | $157/mo | $186/mo |
| HealthSpring National Health Insurance Company | $135/mo | $145/mo | $169/mo | $201/mo |
| GPM Health and Life Insurance Company | $140/mo | $151/mo | $176/mo | $211/mo |
| Medica Insurance Company | $164/mo | $174/mo | $210/mo | $250/mo |
| AFLAC | $172/mo | $182/mo | $222/mo | $290/mo |
| ManhattanLife Insurance and Annuity Company | $173/mo | $185/mo | $221/mo | $273/mo |
| State Farm Mutual Automobile Insurance Company | $186/mo | $228/mo | $269/mo | $306/mo |
| Wisconsin Physicians Service Insurance Corporation | $191/mo | $228/mo | $268/mo | $305/mo |
| BlueCross BlueShield of North Dakota | $198/mo | $231/mo | $273/mo | $307/mo |
| American Continental Insurance Company | $222/mo | $251/mo | $294/mo | $323/mo |
| United American Insurance Company | $233/mo | $296/mo | $335/mo | $367/mo |
| Humana Insurance Company | $240/mo | $284/mo | $329/mo | $374/mo |
| AARP - UnitedHealthcare Insurance Company of America | $248/mo | $275/mo | $321/mo | $371/mo |
| Guarantee Trust Life Insurance Company | $277/mo | $294/mo | $350/mo | $437/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Atlantic Capital Life Assurance Company Lowest | $144/mo | $151/mo | $179/mo | $212/mo |
| HealthSpring National Health Insurance Company | $150/mo | $161/mo | $188/mo | $223/mo |
| GPM Health and Life Insurance Company | $161/mo | $174/mo | $203/mo | $243/mo |
| Medica Insurance Company | $188/mo | $200/mo | $241/mo | $287/mo |
| AFLAC | $198/mo | $208/mo | $255/mo | $332/mo |
| ManhattanLife Insurance and Annuity Company | $199/mo | $213/mo | $254/mo | $314/mo |
| State Farm Mutual Automobile Insurance Company | $191/mo | $252/mo | $304/mo | $351/mo |
| Wisconsin Physicians Service Insurance Corporation | $211/mo | $251/mo | $295/mo | $336/mo |
| BlueCross BlueShield of North Dakota | $201/mo | $247/mo | $308/mo | $357/mo |
| American Continental Insurance Company | $255/mo | $289/mo | $338/mo | $372/mo |
| United American Insurance Company | $268/mo | $340/mo | $386/mo | $421/mo |
| Humana Insurance Company | $241/mo | $293/mo | $357/mo | $421/mo |
| AARP - UnitedHealthcare Insurance Company of America | $280/mo | $311/mo | $363/mo | $419/mo |
| Guarantee Trust Life Insurance Company | $310/mo | $329/mo | $392/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 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Humana Insurance Company Lowest | $43/mo | $51/mo | $59/mo | $67/mo |
| Atlantic Capital Life Assurance Company | $46/mo | $48/mo | $57/mo | $68/mo |
| United American Insurance Company | $46/mo | $60/mo | $75/mo | $81/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Humana Insurance Company Lowest | $43/mo | $53/mo | $64/mo | $76/mo |
| Atlantic Capital Life Assurance Company | $52/mo | $55/mo | $65/mo | $77/mo |
| United American Insurance Company | $53/mo | $69/mo | $86/mo | $93/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 | $77/mo | $81/mo | $96/mo | $114/mo |
| United American Insurance Company | $94/mo | $125/mo | $139/mo | $147/mo |
| Humana Insurance Company | $110/mo | $130/mo | $151/mo | $172/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Atlantic Capital Life Assurance Company Lowest | $88/mo | $92/mo | $110/mo | $130/mo |
| United American Insurance Company | $108/mo | $143/mo | $160/mo | $169/mo |
| Humana Insurance Company | $111/mo | $135/mo | $164/mo | $193/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 | $131/mo | $175/mo | $194/mo | $206/mo |
| Humana Insurance Company | $143/mo | $169/mo | $196/mo | $223/mo |
| BlueCross BlueShield of North Dakota | $165/mo | $192/mo | $228/mo | $256/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $151/mo | $201/mo | $223/mo | $237/mo |
| Humana Insurance Company Lowest | $143/mo | $174/mo | $212/mo | $251/mo |
| BlueCross BlueShield of North Dakota | $167/mo | $206/mo | $257/mo | $297/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 | $88/mo | $105/mo | $123/mo | $146/mo |
| GPM Health and Life Insurance Company | $91/mo | $98/mo | $118/mo | $141/mo |
| Atlantic Capital Life Assurance Company | $94/mo | $99/mo | $118/mo | $140/mo |
| ManhattanLife Insurance and Annuity Company | $102/mo | $111/mo | $137/mo | $164/mo |
| AFLAC | $115/mo | $127/mo | $158/mo | $197/mo |
| Medica Insurance Company | $118/mo | $123/mo | $153/mo | $186/mo |
| State Farm Mutual Automobile Insurance Company | $141/mo | $173/mo | $205/mo | $237/mo |
| American Continental Insurance Company | $162/mo | $183/mo | $214/mo | $236/mo |
| Wisconsin Physicians Service Insurance Corporation | $171/mo | $204/mo | $239/mo | $273/mo |
| BlueCross BlueShield of North Dakota | $178/mo | $207/mo | $245/mo | $276/mo |
| AARP - UnitedHealthcare Insurance Company of America | $182/mo | $202/mo | $236/mo | $273/mo |
| Humana Insurance Company | $198/mo | $234/mo | $272/mo | $309/mo |
| Guarantee Trust Life Insurance Company | $219/mo | $233/mo | $277/mo | $346/mo |
| United American Insurance Company | $288/mo | $368/mo | $421/mo | $466/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring National Health Insurance Company Lowest | $98/mo | $116/mo | $136/mo | $162/mo |
| GPM Health and Life Insurance Company | $105/mo | $113/mo | $136/mo | $163/mo |
| Atlantic Capital Life Assurance Company | $108/mo | $113/mo | $134/mo | $159/mo |
| ManhattanLife Insurance and Annuity Company | $117/mo | $128/mo | $157/mo | $188/mo |
| AFLAC | $132/mo | $145/mo | $181/mo | $226/mo |
| Medica Insurance Company | $135/mo | $142/mo | $176/mo | $214/mo |
| State Farm Mutual Automobile Insurance Company | $147/mo | $193/mo | $234/mo | $273/mo |
| American Continental Insurance Company | $186/mo | $211/mo | $246/mo | $271/mo |
| Wisconsin Physicians Service Insurance Corporation | $188/mo | $224/mo | $263/mo | $300/mo |
| BlueCross BlueShield of North Dakota | $180/mo | $222/mo | $277/mo | $320/mo |
| AARP - UnitedHealthcare Insurance Company of America | $205/mo | $228/mo | $266/mo | $308/mo |
| Humana Insurance Company | $199/mo | $242/mo | $294/mo | $348/mo |
| Guarantee Trust Life Insurance Company | $246/mo | $261/mo | $310/mo | $388/mo |
| United American Insurance Company | $331/mo | $423/mo | $484/mo | $535/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 | $126/mo | $152/mo | $161/mo | $161/mo |
| BlueCross BlueShield of North Dakota | $127/mo | $147/mo | $173/mo | $195/mo |
| GPM Health and Life Insurance Company | $127/mo | $137/mo | $160/mo | $192/mo |
| Atlantic Capital Life Assurance Company | $132/mo | $138/mo | $164/mo | $195/mo |
| HealthSpring National Health Insurance Company | $144/mo | $154/mo | $181/mo | $215/mo |
| State Farm Mutual Automobile Insurance Company | $149/mo | $188/mo | $218/mo | $245/mo |
| Medica Insurance Company | $172/mo | $181/mo | $213/mo | $245/mo |
| AFLAC | $181/mo | $198/mo | $233/mo | $267/mo |
| Wisconsin Physicians Service Insurance Corporation | $181/mo | $215/mo | $253/mo | $288/mo |
| ManhattanLife Insurance and Annuity Company | $183/mo | $200/mo | $236/mo | $281/mo |
| American Continental Insurance Company | $186/mo | $210/mo | $246/mo | $271/mo |
| Humana Insurance Company | $200/mo | $236/mo | $274/mo | $311/mo |
| AARP - UnitedHealthcare Insurance Company of America | $203/mo | $226/mo | $263/mo | $305/mo |
| Guarantee Trust Life Insurance Company | $266/mo | $282/mo | $318/mo | $368/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $144/mo | $175/mo | $185/mo | $185/mo |
| BlueCross BlueShield of North Dakota | $127/mo | $157/mo | $195/mo | $226/mo |
| GPM Health and Life Insurance Company | $146/mo | $158/mo | $184/mo | $220/mo |
| Atlantic Capital Life Assurance Company | $150/mo | $158/mo | $188/mo | $222/mo |
| HealthSpring National Health Insurance Company | $160/mo | $171/mo | $201/mo | $238/mo |
| State Farm Mutual Automobile Insurance Company | $162/mo | $204/mo | $236/mo | $265/mo |
| Medica Insurance Company | $197/mo | $209/mo | $246/mo | $282/mo |
| AFLAC | $207/mo | $226/mo | $267/mo | $306/mo |
| Wisconsin Physicians Service Insurance Corporation | $199/mo | $237/mo | $278/mo | $317/mo |
| ManhattanLife Insurance and Annuity Company | $210/mo | $230/mo | $271/mo | $323/mo |
| American Continental Insurance Company | $214/mo | $242/mo | $283/mo | $311/mo |
| Humana Insurance Company | $200/mo | $244/mo | $297/mo | $350/mo |
| AARP - UnitedHealthcare Insurance Company of America | $230/mo | $255/mo | $298/mo | $344/mo |
| Guarantee Trust Life Insurance Company | $298/mo | $317/mo | $360/mo | $417/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 |
|---|---|---|---|---|
| Humana Insurance Company | $211/mo | $249/mo | $289/mo | $328/mo |
| United American Insurance Company | $257/mo | $318/mo | $347/mo | $351/mo |
| American Continental Insurance Company | $281/mo | $318/mo | $372/mo | $409/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Humana Insurance Company | $211/mo | $257/mo | $312/mo | $369/mo |
| United American Insurance Company | $295/mo | $365/mo | $399/mo | $404/mo |
| American Continental Insurance Company | $323/mo | $366/mo | $427/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 | $234/mo | $294/mo | $341/mo | $383/mo |
| BlueCross BlueShield of North Dakota | $235/mo | $272/mo | $322/mo | $363/mo |
| Wisconsin Physicians Service Insurance Corporation | $252/mo | $301/mo | $353/mo | $402/mo |
| Humana Insurance Company | $264/mo | $312/mo | $361/mo | $411/mo |
| United American Insurance Company | $265/mo | $331/mo | $373/mo | $406/mo |
| Guarantee Trust Life Insurance Company | $337/mo | $358/mo | $426/mo | $532/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $253/mo | $319/mo | $370/mo | $415/mo |
| BlueCross BlueShield of North Dakota | $237/mo | $292/mo | $364/mo | $422/mo |
| Wisconsin Physicians Service Insurance Corporation | $277/mo | $331/mo | $388/mo | $443/mo |
| Humana Insurance Company | $264/mo | $322/mo | $391/mo | $462/mo |
| United American Insurance Company | $305/mo | $381/mo | $429/mo | $467/mo |
| Guarantee Trust Life Insurance Company | $378/mo | $401/mo | $477/mo | $596/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 | $186/mo | $228/mo | $268/mo | $305/mo |
| United American Insurance Company | $255/mo | $325/mo | $369/mo | $403/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $190/mo | $251/mo | $303/mo | $350/mo |
| United American Insurance Company | $293/mo | $373/mo | $424/mo | $463/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 |
|---|---|---|---|---|
| HealthSpring National Health Insurance Company | $147/mo | $175/mo | $205/mo | $243/mo |
| Atlantic Capital Life Assurance Company | $154/mo | $162/mo | $193/mo | $228/mo |
| GPM Health and Life Insurance Company | $193/mo | $204/mo | $235/mo | $281/mo |
| AFLAC | $196/mo | $212/mo | $262/mo | $324/mo |
| ManhattanLife Insurance and Annuity Company | $197/mo | $213/mo | $253/mo | $310/mo |
| Medica Insurance Company | $204/mo | $214/mo | $254/mo | $300/mo |
| State Farm Mutual Automobile Insurance Company | $236/mo | $297/mo | $344/mo | $387/mo |
| BlueCross BlueShield of North Dakota | $255/mo | $296/mo | $350/mo | $394/mo |
| Wisconsin Physicians Service Insurance Corporation | $256/mo | $306/mo | $358/mo | $409/mo |
| United American Insurance Company | $259/mo | $323/mo | $365/mo | $396/mo |
| Humana Insurance Company | $295/mo | $349/mo | $405/mo | $460/mo |
| AARP - UnitedHealthcare Insurance Company of America | $327/mo | $364/mo | $424/mo | $490/mo |
| Guarantee Trust Life Insurance Company | $337/mo | $358/mo | $426/mo | $533/mo |
| American Continental Insurance Company | $357/mo | $401/mo | $461/mo | $498/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring National Health Insurance Company | $164/mo | $194/mo | $227/mo | $270/mo |
| Atlantic Capital Life Assurance Company | $176/mo | $185/mo | $220/mo | $261/mo |
| GPM Health and Life Insurance Company | $222/mo | $234/mo | $270/mo | $323/mo |
| AFLAC | $225/mo | $243/mo | $300/mo | $371/mo |
| ManhattanLife Insurance and Annuity Company | $226/mo | $245/mo | $292/mo | $357/mo |
| Medica Insurance Company | $234/mo | $246/mo | $293/mo | $345/mo |
| State Farm Mutual Automobile Insurance Company | $256/mo | $322/mo | $374/mo | $419/mo |
| BlueCross BlueShield of North Dakota | $258/mo | $317/mo | $395/mo | $457/mo |
| Wisconsin Physicians Service Insurance Corporation | $282/mo | $336/mo | $394/mo | $450/mo |
| United American Insurance Company | $298/mo | $372/mo | $419/mo | $456/mo |
| Humana Insurance Company | $296/mo | $360/mo | $438/mo | $518/mo |
| AARP - UnitedHealthcare Insurance Company of America | $370/mo | $411/mo | $479/mo | $553/mo |
| Guarantee Trust Life Insurance Company | $378/mo | $401/mo | $477/mo | $597/mo |
| American Continental Insurance Company | $411/mo | $461/mo | $530/mo | $573/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 | $46/mo | $60/mo | $75/mo | $81/mo |
| Humana Insurance Company | $49/mo | $58/mo | $68/mo | $77/mo |
| BlueCross BlueShield of North Dakota | $59/mo | $69/mo | $82/mo | $92/mo |
| American Continental Insurance Company | $77/mo | $86/mo | $99/mo | $107/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $53/mo | $69/mo | $86/mo | $93/mo |
| Humana Insurance Company | $50/mo | $60/mo | $73/mo | $87/mo |
| BlueCross BlueShield of North Dakota | $60/mo | $74/mo | $92/mo | $107/mo |
| American Continental Insurance Company | $89/mo | $99/mo | $114/mo | $124/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Atlantic Capital Life Assurance Company | $132/mo | $139/mo | $165/mo | $195/mo |
| GPM Health and Life Insurance Company | $140/mo | $151/mo | $176/mo | $211/mo |
| HealthSpring National Health Insurance Company | $142/mo | $152/mo | $178/mo | $212/mo |
| Medica Insurance Company | $164/mo | $174/mo | $210/mo | $250/mo |
| AFLAC | $172/mo | $182/mo | $222/mo | $290/mo |
| ManhattanLife Insurance and Annuity Company | $173/mo | $185/mo | $221/mo | $273/mo |
| State Farm Mutual Automobile Insurance Company | $186/mo | $228/mo | $269/mo | $306/mo |
| Wisconsin Physicians Service Insurance Corporation | $191/mo | $228/mo | $268/mo | $305/mo |
| BlueCross BlueShield of North Dakota | $198/mo | $231/mo | $273/mo | $307/mo |
| American Continental Insurance Company | $222/mo | $251/mo | $294/mo | $323/mo |
| United American Insurance Company | $233/mo | $296/mo | $335/mo | $367/mo |
| AARP - UnitedHealthcare Insurance Company of America | $248/mo | $275/mo | $321/mo | $371/mo |
| Humana Insurance Company | $261/mo | $309/mo | $358/mo | $407/mo |
| Guarantee Trust Life Insurance Company | $277/mo | $294/mo | $350/mo | $437/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Atlantic Capital Life Assurance Company | $151/mo | $158/mo | $188/mo | $223/mo |
| GPM Health and Life Insurance Company | $161/mo | $174/mo | $203/mo | $243/mo |
| HealthSpring National Health Insurance Company | $158/mo | $169/mo | $198/mo | $235/mo |
| Medica Insurance Company | $188/mo | $200/mo | $241/mo | $287/mo |
| AFLAC | $198/mo | $208/mo | $255/mo | $332/mo |
| ManhattanLife Insurance and Annuity Company | $199/mo | $213/mo | $254/mo | $314/mo |
| State Farm Mutual Automobile Insurance Company | $191/mo | $252/mo | $304/mo | $351/mo |
| Wisconsin Physicians Service Insurance Corporation | $211/mo | $251/mo | $295/mo | $336/mo |
| BlueCross BlueShield of North Dakota | $201/mo | $247/mo | $308/mo | $357/mo |
| American Continental Insurance Company | $255/mo | $289/mo | $338/mo | $372/mo |
| United American Insurance Company | $268/mo | $340/mo | $386/mo | $421/mo |
| AARP - UnitedHealthcare Insurance Company of America | $280/mo | $311/mo | $363/mo | $419/mo |
| Humana Insurance Company | $262/mo | $319/mo | $388/mo | $458/mo |
| Guarantee Trust Life Insurance Company | $310/mo | $329/mo | $392/mo | $490/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 | $46/mo | $60/mo | $75/mo | $81/mo |
| Humana Insurance Company | $47/mo | $55/mo | $64/mo | $73/mo |
| Atlantic Capital Life Assurance Company | $48/mo | $51/mo | $60/mo | $71/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $53/mo | $69/mo | $86/mo | $93/mo |
| Humana Insurance Company | $47/mo | $57/mo | $70/mo | $82/mo |
| Atlantic Capital Life Assurance Company | $55/mo | $58/mo | $68/mo | $81/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 | $81/mo | $85/mo | $101/mo | $120/mo |
| United American Insurance Company | $94/mo | $125/mo | $139/mo | $147/mo |
| Humana Insurance Company | $120/mo | $142/mo | $164/mo | $187/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Atlantic Capital Life Assurance Company | $92/mo | $97/mo | $115/mo | $136/mo |
| United American Insurance Company | $108/mo | $143/mo | $160/mo | $169/mo |
| Humana Insurance Company | $120/mo | $146/mo | $178/mo | $210/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 | $131/mo | $175/mo | $194/mo | $206/mo |
| Humana Insurance Company | $156/mo | $184/mo | $213/mo | $242/mo |
| BlueCross BlueShield of North Dakota | $165/mo | $192/mo | $228/mo | $256/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $151/mo | $201/mo | $223/mo | $237/mo |
| Humana Insurance Company | $156/mo | $190/mo | $231/mo | $273/mo |
| BlueCross BlueShield of North Dakota | $167/mo | $206/mo | $257/mo | $297/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 |
|---|---|---|---|---|
| GPM Health and Life Insurance Company | $91/mo | $98/mo | $118/mo | $141/mo |
| HealthSpring National Health Insurance Company | $93/mo | $110/mo | $129/mo | $153/mo |
| Atlantic Capital Life Assurance Company | $99/mo | $104/mo | $124/mo | $147/mo |
| ManhattanLife Insurance and Annuity Company | $102/mo | $111/mo | $137/mo | $164/mo |
| AFLAC | $115/mo | $127/mo | $158/mo | $197/mo |
| Medica Insurance Company | $118/mo | $123/mo | $153/mo | $186/mo |
| State Farm Mutual Automobile Insurance Company | $141/mo | $173/mo | $205/mo | $237/mo |
| American Continental Insurance Company | $162/mo | $183/mo | $214/mo | $236/mo |
| Wisconsin Physicians Service Insurance Corporation | $171/mo | $204/mo | $239/mo | $273/mo |
| BlueCross BlueShield of North Dakota | $178/mo | $207/mo | $245/mo | $276/mo |
| AARP - UnitedHealthcare Insurance Company of America | $182/mo | $202/mo | $236/mo | $273/mo |
| Humana Insurance Company | $216/mo | $255/mo | $295/mo | $336/mo |
| Guarantee Trust Life Insurance Company | $219/mo | $233/mo | $277/mo | $346/mo |
| United American Insurance Company | $288/mo | $368/mo | $421/mo | $466/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| GPM Health and Life Insurance Company | $105/mo | $113/mo | $136/mo | $163/mo |
| HealthSpring National Health Insurance Company | $103/mo | $122/mo | $143/mo | $170/mo |
| Atlantic Capital Life Assurance Company | $113/mo | $119/mo | $141/mo | $167/mo |
| ManhattanLife Insurance and Annuity Company | $117/mo | $128/mo | $157/mo | $188/mo |
| AFLAC | $132/mo | $145/mo | $181/mo | $226/mo |
| Medica Insurance Company | $135/mo | $142/mo | $176/mo | $214/mo |
| State Farm Mutual Automobile Insurance Company | $147/mo | $193/mo | $234/mo | $273/mo |
| American Continental Insurance Company | $186/mo | $211/mo | $246/mo | $271/mo |
| Wisconsin Physicians Service Insurance Corporation | $188/mo | $224/mo | $263/mo | $300/mo |
| BlueCross BlueShield of North Dakota | $180/mo | $222/mo | $277/mo | $320/mo |
| AARP - UnitedHealthcare Insurance Company of America | $205/mo | $228/mo | $266/mo | $308/mo |
| Humana Insurance Company | $216/mo | $263/mo | $320/mo | $378/mo |
| Guarantee Trust Life Insurance Company | $246/mo | $261/mo | $310/mo | $388/mo |
| United American Insurance Company | $331/mo | $423/mo | $484/mo | $535/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 North Dakota 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 / 10% HHD | $137/mo |
| w / 6% HHD | $143/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 10% HHD | $152/mo |
| w / 6% HHD | $159/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 North Dakota 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 / 10% HHD | $140/mo |
| w / 6% HHD | $146/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 10% HHD | $155/mo |
| w / 6% HHD | $162/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 North Dakota 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 / 10% HHD | $135/mo |
| w / 6% HHD | $141/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 10% HHD | $150/mo |
| w / 6% HHD | $157/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 North Dakota 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 / 10% HHD | $88/mo |
| w / 6% HHD | $92/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 10% HHD | $98/mo |
| w / 6% HHD | $102/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.