Rate data current as of
Compare 2026 Medicare Supplement (Medigap) rates in Ohio. 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 | $224/mo |
| 70 | $242/mo |
| 75 | $283/mo |
| 80 | $318/mo |
Rates are statewide averages across all carriers. Your actual premium will vary by carrier, zip code, health status, and underwriting factors. Get a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Figures for Medicare Supplement (Medigap) on this page use 2026 filed or community rates from our carrier-rate dataset for Ohio. 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 |
|---|---|---|---|---|
| USAA Life Insurance Company Lowest | $117/mo | $137/mo | $163/mo | $190/mo |
| AARP - UnitedHealthcare Insurance Company | $121/mo | $133/mo | $163/mo | $194/mo |
| AARP - UnitedHealthcare Insurance Company of America | $123/mo | $137/mo | $160/mo | $186/mo |
| First Health Life & Health Insurance Company | $131/mo | $149/mo | $166/mo | $176/mo |
| HealthSpring Insurance Company | $132/mo | $135/mo | $163/mo | $202/mo |
| LifeShield National Insurance Company | $134/mo | $141/mo | $172/mo | $207/mo |
| Omaha Supplemental Insurance Company | $134/mo | $145/mo | $167/mo | $198/mo |
| New Era Life Insurance Company | $138/mo | $148/mo | $179/mo | $207/mo |
| Erie Family Life Insurance Company | $141/mo | $154/mo | $180/mo | $206/mo |
| State Farm Mutual Automobile Insurance Company | $144/mo | $181/mo | $210/mo | $236/mo |
| Medico Life and Health Insurance Company | $145/mo | $147/mo | $157/mo | $185/mo |
| Woodmen Of The World Life Insurance Society | $148/mo | $150/mo | $180/mo | $220/mo |
| AultCare Insurance Company | $149/mo | $190/mo | $236/mo | $267/mo |
| Anthem Blue Cross and Blue Shield - Ohio | $150/mo | $179/mo | $215/mo | $248/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $152/mo | $161/mo | $189/mo | $223/mo |
| Insurance Company of North America | $154/mo | $158/mo | $189/mo | $230/mo |
| Washington National Insurance Company | $154/mo | $186/mo | $226/mo | $269/mo |
| Globe Life and Accident Insurance Company | $158/mo | $177/mo | $213/mo | $245/mo |
| Nassau Life Insurance Company | $163/mo | $171/mo | $207/mo | $241/mo |
| Humana Insurance Company | $164/mo | $171/mo | $200/mo | $233/mo |
| AFLAC | $166/mo | $176/mo | $212/mo | $255/mo |
| American Benefit Life Insurance Company | $173/mo | $178/mo | $216/mo | $261/mo |
| Everence Association Inc. | $182/mo | $197/mo | $207/mo | $220/mo |
| Heartland National Life Insurance Company | $208/mo | $208/mo | $251/mo | $288/mo |
| Pekin Life Insurance Company | $242/mo | $285/mo | $315/mo | $334/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| USAA Life Insurance Company Lowest | $117/mo | $137/mo | $163/mo | $190/mo |
| AARP - UnitedHealthcare Insurance Company | $137/mo | $150/mo | $184/mo | $218/mo |
| AARP - UnitedHealthcare Insurance Company of America | $140/mo | $155/mo | $181/mo | $210/mo |
| First Health Life & Health Insurance Company | $143/mo | $164/mo | $182/mo | $193/mo |
| HealthSpring Insurance Company | $152/mo | $155/mo | $187/mo | $232/mo |
| LifeShield National Insurance Company | $154/mo | $162/mo | $197/mo | $238/mo |
| Omaha Supplemental Insurance Company | $154/mo | $166/mo | $192/mo | $227/mo |
| New Era Life Insurance Company | $151/mo | $163/mo | $196/mo | $228/mo |
| Erie Family Life Insurance Company | $162/mo | $177/mo | $207/mo | $237/mo |
| State Farm Mutual Automobile Insurance Company | $144/mo | $181/mo | $210/mo | $236/mo |
| Medico Life and Health Insurance Company | $167/mo | $169/mo | $180/mo | $213/mo |
| Woodmen Of The World Life Insurance Society | $170/mo | $173/mo | $207/mo | $253/mo |
| AultCare Insurance Company | $161/mo | $206/mo | $255/mo | $289/mo |
| Anthem Blue Cross and Blue Shield - Ohio | $164/mo | $196/mo | $236/mo | $272/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $175/mo | $185/mo | $217/mo | $256/mo |
| Insurance Company of North America | $173/mo | $179/mo | $213/mo | $260/mo |
| Washington National Insurance Company | $171/mo | $207/mo | $251/mo | $299/mo |
| Globe Life and Accident Insurance Company | $170/mo | $191/mo | $229/mo | $263/mo |
| Nassau Life Insurance Company | $187/mo | $197/mo | $238/mo | $278/mo |
| Humana Insurance Company | $184/mo | $196/mo | $229/mo | $268/mo |
| AFLAC | $191/mo | $203/mo | $244/mo | $293/mo |
| American Benefit Life Insurance Company | $199/mo | $204/mo | $249/mo | $301/mo |
| Everence Association Inc. | $201/mo | $217/mo | $228/mo | $242/mo |
| Heartland National Life Insurance Company | $239/mo | $239/mo | $288/mo | $331/mo |
| Pekin Life Insurance Company | $265/mo | $314/mo | $347/mo | $368/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 | $150/mo | $175/mo | $199/mo | $219/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $170/mo | $181/mo | $213/mo | $251/mo |
| AARP - UnitedHealthcare Insurance Company | $183/mo | $201/mo | $246/mo | $292/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $163/mo | $191/mo | $217/mo | $239/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $196/mo | $208/mo | $245/mo | $288/mo |
| AARP - UnitedHealthcare Insurance Company | $206/mo | $227/mo | $278/mo | $329/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company Lowest | $186/mo | $200/mo | $234/mo | $273/mo |
| State Farm Mutual Automobile Insurance Company | $226/mo | $285/mo | $330/mo | $371/mo |
| AARP - UnitedHealthcare Insurance Company | $232/mo | $255/mo | $313/mo | $370/mo |
| Heartland National Life Insurance Company | $274/mo | $274/mo | $328/mo | $383/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company Lowest | $210/mo | $226/mo | $265/mo | $309/mo |
| State Farm Mutual Automobile Insurance Company | $226/mo | $285/mo | $330/mo | $371/mo |
| AARP - UnitedHealthcare Insurance Company | $262/mo | $288/mo | $353/mo | $418/mo |
| Heartland National Life Insurance Company | $315/mo | $315/mo | $377/mo | $440/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 | $184/mo | $226/mo | $265/mo | $302/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $188/mo | $249/mo | $300/mo | $346/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 |
|---|---|---|---|---|
| LifeShield National Insurance Company Lowest | $166/mo | $173/mo | $208/mo | $249/mo |
| Woodmen Of The World Life Insurance Society | $184/mo | $184/mo | $218/mo | $263/mo |
| Insurance Company of North America | $187/mo | $193/mo | $234/mo | $283/mo |
| Nassau Life Insurance Company | $190/mo | $204/mo | $239/mo | $282/mo |
| Erie Family Life Insurance Company | $201/mo | $224/mo | $259/mo | $303/mo |
| USAA Life Insurance Company | $202/mo | $235/mo | $281/mo | $325/mo |
| AFLAC | $205/mo | $218/mo | $261/mo | $311/mo |
| Medico Life and Health Insurance Company | $207/mo | $209/mo | $223/mo | $264/mo |
| American Benefit Life Insurance Company | $208/mo | $217/mo | $261/mo | $312/mo |
| Anthem Blue Cross and Blue Shield - Ohio | $209/mo | $273/mo | $337/mo | $388/mo |
| HealthSpring Insurance Company | $211/mo | $214/mo | $243/mo | $283/mo |
| Humana Insurance Company | $215/mo | $224/mo | $264/mo | $316/mo |
| AultCare Insurance Company | $217/mo | $276/mo | $343/mo | $388/mo |
| State Farm Mutual Automobile Insurance Company | $228/mo | $287/mo | $333/mo | $374/mo |
| New Era Life Insurance Company | $231/mo | $248/mo | $291/mo | $335/mo |
| Omaha Supplemental Insurance Company | $233/mo | $247/mo | $285/mo | $336/mo |
| AARP - UnitedHealthcare Insurance Company | $234/mo | $257/mo | $315/mo | $373/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $236/mo | $251/mo | $295/mo | $348/mo |
| Washington National Insurance Company | $237/mo | $287/mo | $348/mo | $414/mo |
| First Health Life & Health Insurance Company | $239/mo | $280/mo | $322/mo | $358/mo |
| Globe Life and Accident Insurance Company | $251/mo | $281/mo | $322/mo | $377/mo |
| AARP - UnitedHealthcare Insurance Company of America | $263/mo | $292/mo | $341/mo | $394/mo |
| Everence Association Inc. | $286/mo | $310/mo | $329/mo | $356/mo |
| Pekin Life Insurance Company | $291/mo | $345/mo | $387/mo | $418/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| LifeShield National Insurance Company Lowest | $191/mo | $199/mo | $239/mo | $287/mo |
| Woodmen Of The World Life Insurance Society | $212/mo | $212/mo | $250/mo | $302/mo |
| Insurance Company of North America | $211/mo | $218/mo | $265/mo | $320/mo |
| Nassau Life Insurance Company | $218/mo | $234/mo | $275/mo | $324/mo |
| Erie Family Life Insurance Company | $232/mo | $258/mo | $297/mo | $349/mo |
| USAA Life Insurance Company | $202/mo | $235/mo | $281/mo | $325/mo |
| AFLAC | $235/mo | $251/mo | $301/mo | $358/mo |
| Medico Life and Health Insurance Company | $238/mo | $241/mo | $257/mo | $304/mo |
| American Benefit Life Insurance Company | $240/mo | $250/mo | $300/mo | $359/mo |
| Anthem Blue Cross and Blue Shield - Ohio | $230/mo | $300/mo | $370/mo | $426/mo |
| HealthSpring Insurance Company | $243/mo | $247/mo | $279/mo | $325/mo |
| Humana Insurance Company | $248/mo | $257/mo | $303/mo | $363/mo |
| AultCare Insurance Company | $234/mo | $299/mo | $370/mo | $419/mo |
| State Farm Mutual Automobile Insurance Company | $228/mo | $287/mo | $333/mo | $374/mo |
| New Era Life Insurance Company | $254/mo | $273/mo | $320/mo | $369/mo |
| Omaha Supplemental Insurance Company | $268/mo | $284/mo | $328/mo | $386/mo |
| AARP - UnitedHealthcare Insurance Company | $264/mo | $290/mo | $355/mo | $421/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $272/mo | $289/mo | $339/mo | $400/mo |
| Washington National Insurance Company | $263/mo | $318/mo | $386/mo | $460/mo |
| First Health Life & Health Insurance Company | $259/mo | $304/mo | $349/mo | $388/mo |
| Globe Life and Accident Insurance Company | $270/mo | $302/mo | $346/mo | $406/mo |
| AARP - UnitedHealthcare Insurance Company of America | $297/mo | $330/mo | $385/mo | $445/mo |
| Everence Association Inc. | $315/mo | $341/mo | $362/mo | $392/mo |
| Pekin Life Insurance Company | $320/mo | $379/mo | $426/mo | $461/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 |
|---|---|---|---|---|
| New Era Life Insurance Company Lowest | $38/mo | $44/mo | $52/mo | $64/mo |
| Humana Insurance Company | $48/mo | $56/mo | $65/mo | $76/mo |
| Medico Life and Health Insurance Company | $62/mo | $63/mo | $67/mo | $79/mo |
| AultCare Insurance Company | $84/mo | $107/mo | $133/mo | $150/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company Lowest | $42/mo | $48/mo | $57/mo | $70/mo |
| Humana Insurance Company | $51/mo | $60/mo | $71/mo | $83/mo |
| Medico Life and Health Insurance Company | $72/mo | $72/mo | $77/mo | $91/mo |
| AultCare Insurance Company | $91/mo | $116/mo | $143/mo | $162/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 Insurance Company Lowest | $135/mo | $138/mo | $166/mo | $206/mo |
| LifeShield National Insurance Company | $135/mo | $142/mo | $173/mo | $208/mo |
| Erie Family Life Insurance Company | $142/mo | $159/mo | $187/mo | $217/mo |
| Medico Life and Health Insurance Company | $147/mo | $148/mo | $158/mo | $187/mo |
| Woodmen Of The World Life Insurance Society | $149/mo | $151/mo | $181/mo | $221/mo |
| Insurance Company of North America | $155/mo | $160/mo | $191/mo | $232/mo |
| New Era Life Insurance Company | $162/mo | $176/mo | $212/mo | $245/mo |
| AFLAC | $164/mo | $175/mo | $210/mo | $252/mo |
| Nassau Life Insurance Company | $164/mo | $173/mo | $211/mo | $250/mo |
| Humana Insurance Company | $165/mo | $171/mo | $205/mo | $248/mo |
| Anthem Blue Cross and Blue Shield - Ohio | $168/mo | $219/mo | $270/mo | $321/mo |
| American Benefit Life Insurance Company | $174/mo | $179/mo | $218/mo | $263/mo |
| Globe Life and Accident Insurance Company | $174/mo | $195/mo | $235/mo | $270/mo |
| AultCare Insurance Company | $179/mo | $229/mo | $284/mo | $321/mo |
| USAA Life Insurance Company | $180/mo | $196/mo | $236/mo | $293/mo |
| AARP - UnitedHealthcare Insurance Company | $181/mo | $199/mo | $244/mo | $289/mo |
| Washington National Insurance Company | $183/mo | $222/mo | $269/mo | $320/mo |
| State Farm Mutual Automobile Insurance Company | $184/mo | $226/mo | $266/mo | $302/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $188/mo | $200/mo | $235/mo | $277/mo |
| Omaha Supplemental Insurance Company | $191/mo | $206/mo | $238/mo | $281/mo |
| Pekin Life Insurance Company | $191/mo | $251/mo | $327/mo | $376/mo |
| Everence Association Inc. | $194/mo | $210/mo | $224/mo | $240/mo |
| AARP - UnitedHealthcare Insurance Company of America | $197/mo | $219/mo | $255/mo | $296/mo |
| Heartland National Life Insurance Company | $208/mo | $208/mo | $253/mo | $302/mo |
| First Health Life & Health Insurance Company | $219/mo | $257/mo | $297/mo | $332/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring Insurance Company Lowest | $155/mo | $159/mo | $191/mo | $237/mo |
| LifeShield National Insurance Company | $155/mo | $163/mo | $198/mo | $240/mo |
| Erie Family Life Insurance Company | $163/mo | $183/mo | $215/mo | $250/mo |
| Medico Life and Health Insurance Company | $169/mo | $171/mo | $182/mo | $215/mo |
| Woodmen Of The World Life Insurance Society | $171/mo | $174/mo | $208/mo | $254/mo |
| Insurance Company of North America | $175/mo | $181/mo | $215/mo | $262/mo |
| New Era Life Insurance Company | $178/mo | $193/mo | $233/mo | $269/mo |
| AFLAC | $189/mo | $201/mo | $241/mo | $290/mo |
| Nassau Life Insurance Company | $189/mo | $199/mo | $242/mo | $288/mo |
| Humana Insurance Company | $190/mo | $197/mo | $236/mo | $285/mo |
| Anthem Blue Cross and Blue Shield - Ohio | $184/mo | $240/mo | $296/mo | $352/mo |
| American Benefit Life Insurance Company | $200/mo | $205/mo | $250/mo | $302/mo |
| Globe Life and Accident Insurance Company | $187/mo | $210/mo | $253/mo | $290/mo |
| AultCare Insurance Company | $194/mo | $247/mo | $306/mo | $346/mo |
| USAA Life Insurance Company | $180/mo | $196/mo | $236/mo | $293/mo |
| AARP - UnitedHealthcare Insurance Company | $205/mo | $225/mo | $276/mo | $327/mo |
| Washington National Insurance Company | $203/mo | $246/mo | $298/mo | $356/mo |
| State Farm Mutual Automobile Insurance Company | $188/mo | $249/mo | $301/mo | $347/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $216/mo | $230/mo | $270/mo | $318/mo |
| Omaha Supplemental Insurance Company | $219/mo | $236/mo | $273/mo | $323/mo |
| Pekin Life Insurance Company | $210/mo | $276/mo | $360/mo | $414/mo |
| Everence Association Inc. | $214/mo | $232/mo | $247/mo | $264/mo |
| AARP - UnitedHealthcare Insurance Company of America | $223/mo | $247/mo | $288/mo | $334/mo |
| Heartland National Life Insurance Company | $240/mo | $240/mo | $291/mo | $348/mo |
| First Health Life & Health Insurance Company | $237/mo | $279/mo | $321/mo | $360/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 |
|---|---|---|---|---|
| New Era Life Insurance Company Lowest | $43/mo | $49/mo | $59/mo | $72/mo |
| HealthSpring Insurance Company | $46/mo | $47/mo | $57/mo | $70/mo |
| Humana Insurance Company | $46/mo | $50/mo | $60/mo | $70/mo |
| Omaha Supplemental Insurance Company | $46/mo | $49/mo | $57/mo | $68/mo |
| Globe Life and Accident Insurance Company | $47/mo | $53/mo | $61/mo | $71/mo |
| Washington National Insurance Company | $49/mo | $59/mo | $71/mo | $84/mo |
| Woodmen Of The World Life Insurance Society | $50/mo | $52/mo | $62/mo | $76/mo |
| Medico Life and Health Insurance Company | $51/mo | $51/mo | $55/mo | $65/mo |
| Insurance Company of North America | $55/mo | $56/mo | $67/mo | $81/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $66/mo | $70/mo | $82/mo | $97/mo |
| AultCare Insurance Company | $79/mo | $100/mo | $124/mo | $141/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company Lowest | $47/mo | $54/mo | $64/mo | $79/mo |
| HealthSpring Insurance Company | $53/mo | $54/mo | $65/mo | $81/mo |
| Humana Insurance Company | $48/mo | $57/mo | $67/mo | $79/mo |
| Omaha Supplemental Insurance Company | $53/mo | $57/mo | $66/mo | $78/mo |
| Globe Life and Accident Insurance Company | $51/mo | $57/mo | $65/mo | $76/mo |
| Washington National Insurance Company | $54/mo | $65/mo | $79/mo | $94/mo |
| Woodmen Of The World Life Insurance Society | $58/mo | $60/mo | $71/mo | $95/mo |
| Medico Life and Health Insurance Company | $58/mo | $59/mo | $63/mo | $74/mo |
| Insurance Company of North America | $62/mo | $64/mo | $75/mo | $91/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $76/mo | $81/mo | $99/mo | $112/mo |
| AultCare Insurance Company | $85/mo | $108/mo | $134/mo | $152/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 | $70/mo | $77/mo | $95/mo | $112/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $79/mo | $87/mo | $107/mo | $127/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 |
|---|---|---|---|---|
| Everence Association Inc. Lowest | $117/mo | $128/mo | $137/mo | $148/mo |
| AARP - UnitedHealthcare Insurance Company | $136/mo | $150/mo | $184/mo | $217/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Everence Association Inc. Lowest | $129/mo | $141/mo | $151/mo | $164/mo |
| AARP - UnitedHealthcare Insurance Company | $154/mo | $169/mo | $207/mo | $246/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 |
|---|---|---|---|---|
| New Era Life Insurance Company Lowest | $98/mo | $99/mo | $116/mo | $135/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company Lowest | $103/mo | $112/mo | $131/mo | $153/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 | $90/mo | $107/mo | $124/mo | $139/mo |
| HealthSpring Insurance Company | $97/mo | $106/mo | $129/mo | $157/mo |
| LifeShield National Insurance Company | $101/mo | $110/mo | $138/mo | $166/mo |
| Erie Family Life Insurance Company | $107/mo | $118/mo | $141/mo | $164/mo |
| Washington National Insurance Company | $110/mo | $133/mo | $162/mo | $193/mo |
| Woodmen Of The World Life Insurance Society | $110/mo | $112/mo | $136/mo | $166/mo |
| Humana Insurance Company | $112/mo | $116/mo | $144/mo | $178/mo |
| Insurance Company of North America | $112/mo | $115/mo | $137/mo | $166/mo |
| Medico Life and Health Insurance Company | $114/mo | $115/mo | $123/mo | $145/mo |
| Omaha Supplemental Insurance Company | $117/mo | $131/mo | $157/mo | $188/mo |
| AFLAC | $118/mo | $128/mo | $159/mo | $192/mo |
| New Era Life Insurance Company | $118/mo | $129/mo | $151/mo | $175/mo |
| AARP - UnitedHealthcare Insurance Company of America | $123/mo | $137/mo | $160/mo | $186/mo |
| American Benefit Life Insurance Company | $123/mo | $134/mo | $168/mo | $202/mo |
| Nassau Life Insurance Company | $123/mo | $132/mo | $161/mo | $193/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $124/mo | $139/mo | $164/mo | $193/mo |
| Everence Association Inc. | $130/mo | $155/mo | $176/mo | $192/mo |
| USAA Life Insurance Company | $134/mo | $157/mo | $188/mo | $217/mo |
| State Farm Mutual Automobile Insurance Company | $140/mo | $171/mo | $203/mo | $234/mo |
| Pekin Life Insurance Company | $148/mo | $196/mo | $254/mo | $293/mo |
| Anthem Blue Cross and Blue Shield - Ohio | $149/mo | $195/mo | $241/mo | $286/mo |
| Globe Life and Accident Insurance Company | $149/mo | $166/mo | $201/mo | $230/mo |
| Heartland National Life Insurance Company | $157/mo | $164/mo | $200/mo | $237/mo |
| AARP - UnitedHealthcare Insurance Company | $160/mo | $176/mo | $216/mo | $256/mo |
| AultCare Insurance Company | $173/mo | $221/mo | $274/mo | $310/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $97/mo | $115/mo | $133/mo | $150/mo |
| HealthSpring Insurance Company | $112/mo | $122/mo | $149/mo | $181/mo |
| LifeShield National Insurance Company | $116/mo | $127/mo | $159/mo | $191/mo |
| Erie Family Life Insurance Company | $122/mo | $136/mo | $162/mo | $189/mo |
| Washington National Insurance Company | $122/mo | $148/mo | $179/mo | $214/mo |
| Woodmen Of The World Life Insurance Society | $126/mo | $129/mo | $157/mo | $191/mo |
| Humana Insurance Company | $129/mo | $134/mo | $165/mo | $205/mo |
| Insurance Company of North America | $127/mo | $130/mo | $155/mo | $187/mo |
| Medico Life and Health Insurance Company | $131/mo | $132/mo | $141/mo | $167/mo |
| Omaha Supplemental Insurance Company | $134/mo | $150/mo | $180/mo | $216/mo |
| AFLAC | $136/mo | $148/mo | $183/mo | $221/mo |
| New Era Life Insurance Company | $133/mo | $145/mo | $170/mo | $198/mo |
| AARP - UnitedHealthcare Insurance Company of America | $140/mo | $155/mo | $181/mo | $210/mo |
| American Benefit Life Insurance Company | $142/mo | $155/mo | $193/mo | $232/mo |
| Nassau Life Insurance Company | $141/mo | $151/mo | $185/mo | $222/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $143/mo | $160/mo | $189/mo | $222/mo |
| Everence Association Inc. | $143/mo | $171/mo | $194/mo | $212/mo |
| USAA Life Insurance Company | $134/mo | $157/mo | $188/mo | $217/mo |
| State Farm Mutual Automobile Insurance Company | $145/mo | $191/mo | $231/mo | $270/mo |
| Pekin Life Insurance Company | $163/mo | $215/mo | $280/mo | $322/mo |
| Anthem Blue Cross and Blue Shield - Ohio | $164/mo | $214/mo | $264/mo | $314/mo |
| Globe Life and Accident Insurance Company | $160/mo | $179/mo | $216/mo | $247/mo |
| Heartland National Life Insurance Company | $181/mo | $189/mo | $230/mo | $273/mo |
| AARP - UnitedHealthcare Insurance Company | $181/mo | $199/mo | $244/mo | $289/mo |
| AultCare Insurance Company | $187/mo | $239/mo | $296/mo | $335/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 |
|---|---|---|---|---|
| USAA Life Insurance Company | $117/mo | $137/mo | $163/mo | $190/mo |
| First Health Life & Health Insurance Company | $134/mo | $153/mo | $171/mo | $181/mo |
| Omaha Supplemental Insurance Company | $139/mo | $150/mo | $173/mo | $205/mo |
| LifeShield National Insurance Company | $143/mo | $150/mo | $183/mo | $221/mo |
| New Era Life Insurance Company | $150/mo | $162/mo | $194/mo | $225/mo |
| State Farm Mutual Automobile Insurance Company | $150/mo | $188/mo | $218/mo | $245/mo |
| Erie Family Life Insurance Company | $152/mo | $166/mo | $194/mo | $222/mo |
| AultCare Insurance Company | $155/mo | $197/mo | $245/mo | $277/mo |
| Globe Life and Accident Insurance Company | $158/mo | $177/mo | $213/mo | $245/mo |
| Anthem Blue Cross and Blue Shield - Ohio | $159/mo | $191/mo | $230/mo | $264/mo |
| Insurance Company of North America | $159/mo | $164/mo | $195/mo | $238/mo |
| Woodmen Of The World Life Insurance Society | $159/mo | $161/mo | $194/mo | $236/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $160/mo | $170/mo | $200/mo | $235/mo |
| Nassau Life Insurance Company | $171/mo | $180/mo | $218/mo | $254/mo |
| Washington National Insurance Company | $172/mo | $208/mo | $252/mo | $300/mo |
| Humana Insurance Company | $175/mo | $194/mo | $227/mo | $265/mo |
| Medico Life and Health Insurance Company | $176/mo | $177/mo | $189/mo | $223/mo |
| AFLAC | $177/mo | $188/mo | $226/mo | $272/mo |
| HealthSpring Insurance Company | $180/mo | $184/mo | $222/mo | $275/mo |
| American Benefit Life Insurance Company | $184/mo | $189/mo | $231/mo | $278/mo |
| Everence Association Inc. | $206/mo | $223/mo | $234/mo | $248/mo |
| AARP - UnitedHealthcare Insurance Company | $211/mo | $217/mo | $228/mo | $238/mo |
| Heartland National Life Insurance Company | $222/mo | $222/mo | $269/mo | $308/mo |
| Pekin Life Insurance Company | $261/mo | $308/mo | $340/mo | $361/mo |
| AARP - UnitedHealthcare Insurance Company of America | $298/mo | $305/mo | $297/mo | $306/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| USAA Life Insurance Company | $117/mo | $137/mo | $163/mo | $190/mo |
| First Health Life & Health Insurance Company | $147/mo | $168/mo | $187/mo | $198/mo |
| Omaha Supplemental Insurance Company | $160/mo | $172/mo | $199/mo | $235/mo |
| LifeShield National Insurance Company | $164/mo | $173/mo | $210/mo | $254/mo |
| New Era Life Insurance Company | $165/mo | $178/mo | $214/mo | $248/mo |
| State Farm Mutual Automobile Insurance Company | $150/mo | $188/mo | $218/mo | $245/mo |
| Erie Family Life Insurance Company | $175/mo | $191/mo | $224/mo | $256/mo |
| AultCare Insurance Company | $167/mo | $213/mo | $264/mo | $299/mo |
| Globe Life and Accident Insurance Company | $170/mo | $191/mo | $229/mo | $263/mo |
| Anthem Blue Cross and Blue Shield - Ohio | $175/mo | $209/mo | $252/mo | $290/mo |
| Insurance Company of North America | $180/mo | $185/mo | $221/mo | $269/mo |
| Woodmen Of The World Life Insurance Society | $183/mo | $185/mo | $223/mo | $271/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $184/mo | $195/mo | $229/mo | $270/mo |
| Nassau Life Insurance Company | $196/mo | $206/mo | $250/mo | $291/mo |
| Washington National Insurance Company | $191/mo | $231/mo | $280/mo | $334/mo |
| Humana Insurance Company | $194/mo | $215/mo | $253/mo | $296/mo |
| Medico Life and Health Insurance Company | $202/mo | $204/mo | $217/mo | $257/mo |
| AFLAC | $204/mo | $216/mo | $259/mo | $312/mo |
| HealthSpring Insurance Company | $207/mo | $212/mo | $255/mo | $317/mo |
| American Benefit Life Insurance Company | $212/mo | $218/mo | $265/mo | $320/mo |
| Everence Association Inc. | $226/mo | $245/mo | $257/mo | $272/mo |
| AARP - UnitedHealthcare Insurance Company | $238/mo | $245/mo | $257/mo | $268/mo |
| Heartland National Life Insurance Company | $256/mo | $256/mo | $309/mo | $355/mo |
| Pekin Life Insurance Company | $286/mo | $338/mo | $375/mo | $397/mo |
| AARP - UnitedHealthcare Insurance Company of America | $336/mo | $344/mo | $335/mo | $345/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 | $154/mo | $179/mo | $204/mo | $225/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $180/mo | $191/mo | $224/mo | $264/mo |
| AARP - UnitedHealthcare Insurance Company | $318/mo | $327/mo | $343/mo | $359/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $168/mo | $196/mo | $223/mo | $245/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $207/mo | $220/mo | $258/mo | $304/mo |
| AARP - UnitedHealthcare Insurance Company | $358/mo | $369/mo | $387/mo | $404/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 |
|---|---|---|---|---|
| New Era Life Insurance Company | $200/mo | $215/mo | $252/mo | $294/mo |
| State Farm Mutual Automobile Insurance Company | $235/mo | $296/mo | $343/mo | $385/mo |
| Heartland National Life Insurance Company | $293/mo | $293/mo | $351/mo | $410/mo |
| AARP - UnitedHealthcare Insurance Company | $403/mo | $414/mo | $435/mo | $455/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company | $226/mo | $243/mo | $285/mo | $332/mo |
| State Farm Mutual Automobile Insurance Company | $235/mo | $296/mo | $343/mo | $385/mo |
| Heartland National Life Insurance Company | $337/mo | $337/mo | $404/mo | $471/mo |
| AARP - UnitedHealthcare Insurance Company | $455/mo | $468/mo | $491/mo | $513/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 | $191/mo | $234/mo | $276/mo | $314/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $196/mo | $259/mo | $312/mo | $360/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 |
|---|---|---|---|---|
| LifeShield National Insurance Company | $177/mo | $185/mo | $222/mo | $265/mo |
| Insurance Company of North America | $193/mo | $200/mo | $242/mo | $293/mo |
| Woodmen Of The World Life Insurance Society | $198/mo | $198/mo | $233/mo | $282/mo |
| Nassau Life Insurance Company | $200/mo | $214/mo | $251/mo | $296/mo |
| USAA Life Insurance Company | $202/mo | $235/mo | $281/mo | $325/mo |
| Erie Family Life Insurance Company | $217/mo | $241/mo | $279/mo | $327/mo |
| AFLAC | $218/mo | $233/mo | $279/mo | $332/mo |
| American Benefit Life Insurance Company | $222/mo | $231/mo | $278/mo | $332/mo |
| Anthem Blue Cross and Blue Shield - Ohio | $223/mo | $291/mo | $359/mo | $414/mo |
| AultCare Insurance Company | $225/mo | $286/mo | $355/mo | $402/mo |
| State Farm Mutual Automobile Insurance Company | $237/mo | $299/mo | $346/mo | $389/mo |
| Omaha Supplemental Insurance Company | $241/mo | $255/mo | $295/mo | $347/mo |
| First Health Life & Health Insurance Company | $245/mo | $287/mo | $330/mo | $367/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $249/mo | $265/mo | $311/mo | $367/mo |
| Medico Life and Health Insurance Company | $250/mo | $253/mo | $270/mo | $319/mo |
| Globe Life and Accident Insurance Company | $251/mo | $281/mo | $322/mo | $377/mo |
| New Era Life Insurance Company | $252/mo | $270/mo | $317/mo | $365/mo |
| Humana Insurance Company | $260/mo | $289/mo | $339/mo | $401/mo |
| Washington National Insurance Company | $264/mo | $320/mo | $388/mo | $463/mo |
| HealthSpring Insurance Company | $288/mo | $292/mo | $331/mo | $385/mo |
| Pekin Life Insurance Company | $314/mo | $372/mo | $418/mo | $451/mo |
| Everence Association Inc. | $323/mo | $350/mo | $371/mo | $402/mo |
| AARP - UnitedHealthcare Insurance Company | $405/mo | $417/mo | $438/mo | $458/mo |
| AARP - UnitedHealthcare Insurance Company of America | $522/mo | $537/mo | $556/mo | $574/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| LifeShield National Insurance Company | $204/mo | $212/mo | $255/mo | $305/mo |
| Insurance Company of North America | $219/mo | $226/mo | $274/mo | $332/mo |
| Woodmen Of The World Life Insurance Society | $227/mo | $227/mo | $268/mo | $324/mo |
| Nassau Life Insurance Company | $229/mo | $246/mo | $289/mo | $341/mo |
| USAA Life Insurance Company | $202/mo | $235/mo | $281/mo | $325/mo |
| Erie Family Life Insurance Company | $250/mo | $278/mo | $321/mo | $376/mo |
| AFLAC | $251/mo | $267/mo | $320/mo | $381/mo |
| American Benefit Life Insurance Company | $255/mo | $266/mo | $319/mo | $382/mo |
| Anthem Blue Cross and Blue Shield - Ohio | $245/mo | $320/mo | $394/mo | $454/mo |
| AultCare Insurance Company | $243/mo | $309/mo | $383/mo | $434/mo |
| State Farm Mutual Automobile Insurance Company | $237/mo | $299/mo | $346/mo | $389/mo |
| Omaha Supplemental Insurance Company | $277/mo | $294/mo | $339/mo | $400/mo |
| First Health Life & Health Insurance Company | $266/mo | $312/mo | $358/mo | $398/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $287/mo | $305/mo | $358/mo | $422/mo |
| Medico Life and Health Insurance Company | $288/mo | $291/mo | $310/mo | $366/mo |
| Globe Life and Accident Insurance Company | $270/mo | $302/mo | $346/mo | $406/mo |
| New Era Life Insurance Company | $277/mo | $297/mo | $348/mo | $402/mo |
| Humana Insurance Company | $286/mo | $319/mo | $376/mo | $447/mo |
| Washington National Insurance Company | $294/mo | $356/mo | $431/mo | $514/mo |
| HealthSpring Insurance Company | $331/mo | $336/mo | $380/mo | $443/mo |
| Pekin Life Insurance Company | $345/mo | $409/mo | $460/mo | $497/mo |
| Everence Association Inc. | $355/mo | $385/mo | $408/mo | $442/mo |
| AARP - UnitedHealthcare Insurance Company | $458/mo | $471/mo | $495/mo | $517/mo |
| AARP - UnitedHealthcare Insurance Company of America | $589/mo | $606/mo | $627/mo | $648/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 |
|---|---|---|---|---|
| New Era Life Insurance Company | $41/mo | $48/mo | $57/mo | $70/mo |
| Humana Insurance Company | $50/mo | $58/mo | $68/mo | $79/mo |
| Medico Life and Health Insurance Company | $75/mo | $76/mo | $81/mo | $96/mo |
| AultCare Insurance Company | $87/mo | $111/mo | $138/mo | $156/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company | $45/mo | $52/mo | $62/mo | $77/mo |
| Humana Insurance Company | $53/mo | $62/mo | $73/mo | $86/mo |
| Medico Life and Health Insurance Company | $86/mo | $87/mo | $93/mo | $110/mo |
| AultCare Insurance Company | $94/mo | $120/mo | $148/mo | $168/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 |
|---|---|---|---|---|
| LifeShield National Insurance Company | $144/mo | $151/mo | $184/mo | $222/mo |
| Erie Family Life Insurance Company | $153/mo | $172/mo | $202/mo | $234/mo |
| Woodmen Of The World Life Insurance Society | $160/mo | $162/mo | $195/mo | $237/mo |
| Insurance Company of North America | $161/mo | $165/mo | $197/mo | $240/mo |
| Nassau Life Insurance Company | $173/mo | $181/mo | $221/mo | $263/mo |
| Globe Life and Accident Insurance Company | $174/mo | $195/mo | $235/mo | $270/mo |
| AFLAC | $175/mo | $186/mo | $223/mo | $269/mo |
| New Era Life Insurance Company | $176/mo | $191/mo | $230/mo | $267/mo |
| Medico Life and Health Insurance Company | $177/mo | $179/mo | $191/mo | $226/mo |
| Anthem Blue Cross and Blue Shield - Ohio | $179/mo | $233/mo | $288/mo | $342/mo |
| USAA Life Insurance Company | $180/mo | $196/mo | $236/mo | $293/mo |
| HealthSpring Insurance Company | $183/mo | $188/mo | $227/mo | $281/mo |
| American Benefit Life Insurance Company | $185/mo | $190/mo | $232/mo | $280/mo |
| AultCare Insurance Company | $186/mo | $237/mo | $294/mo | $332/mo |
| State Farm Mutual Automobile Insurance Company | $191/mo | $235/mo | $276/mo | $314/mo |
| Omaha Supplemental Insurance Company | $197/mo | $213/mo | $246/mo | $291/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $199/mo | $211/mo | $248/mo | $292/mo |
| Washington National Insurance Company | $204/mo | $247/mo | $300/mo | $358/mo |
| Pekin Life Insurance Company | $206/mo | $271/mo | $353/mo | $406/mo |
| Humana Insurance Company | $214/mo | $239/mo | $282/mo | $334/mo |
| Everence Association Inc. | $219/mo | $237/mo | $253/mo | $270/mo |
| Heartland National Life Insurance Company | $223/mo | $223/mo | $271/mo | $324/mo |
| First Health Life & Health Insurance Company | $225/mo | $264/mo | $304/mo | $341/mo |
| AARP - UnitedHealthcare Insurance Company | $371/mo | $380/mo | $378/mo | $393/mo |
| AARP - UnitedHealthcare Insurance Company of America | $446/mo | $457/mo | $453/mo | $467/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| LifeShield National Insurance Company | $165/mo | $174/mo | $211/mo | $255/mo |
| Erie Family Life Insurance Company | $176/mo | $198/mo | $232/mo | $269/mo |
| Woodmen Of The World Life Insurance Society | $184/mo | $186/mo | $224/mo | $273/mo |
| Insurance Company of North America | $181/mo | $187/mo | $223/mo | $271/mo |
| Nassau Life Insurance Company | $198/mo | $209/mo | $254/mo | $302/mo |
| Globe Life and Accident Insurance Company | $187/mo | $210/mo | $253/mo | $290/mo |
| AFLAC | $201/mo | $214/mo | $257/mo | $309/mo |
| New Era Life Insurance Company | $194/mo | $211/mo | $253/mo | $293/mo |
| Medico Life and Health Insurance Company | $204/mo | $206/mo | $220/mo | $260/mo |
| Anthem Blue Cross and Blue Shield - Ohio | $196/mo | $256/mo | $316/mo | $376/mo |
| USAA Life Insurance Company | $180/mo | $196/mo | $236/mo | $293/mo |
| HealthSpring Insurance Company | $211/mo | $216/mo | $261/mo | $323/mo |
| American Benefit Life Insurance Company | $213/mo | $219/mo | $267/mo | $322/mo |
| AultCare Insurance Company | $201/mo | $256/mo | $317/mo | $359/mo |
| State Farm Mutual Automobile Insurance Company | $196/mo | $259/mo | $313/mo | $361/mo |
| Omaha Supplemental Insurance Company | $227/mo | $245/mo | $283/mo | $334/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $228/mo | $242/mo | $285/mo | $335/mo |
| Washington National Insurance Company | $227/mo | $275/mo | $333/mo | $397/mo |
| Pekin Life Insurance Company | $226/mo | $298/mo | $388/mo | $446/mo |
| Humana Insurance Company | $235/mo | $263/mo | $312/mo | $372/mo |
| Everence Association Inc. | $241/mo | $261/mo | $278/mo | $298/mo |
| Heartland National Life Insurance Company | $257/mo | $257/mo | $312/mo | $372/mo |
| First Health Life & Health Insurance Company | $243/mo | $286/mo | $329/mo | $369/mo |
| AARP - UnitedHealthcare Insurance Company | $418/mo | $429/mo | $426/mo | $443/mo |
| AARP - UnitedHealthcare Insurance Company of America | $503/mo | $516/mo | $512/mo | $527/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 |
|---|---|---|---|---|
| New Era Life Insurance Company | $46/mo | $54/mo | $64/mo | $78/mo |
| Globe Life and Accident Insurance Company | $47/mo | $53/mo | $61/mo | $71/mo |
| Omaha Supplemental Insurance Company | $47/mo | $51/mo | $59/mo | $70/mo |
| Humana Insurance Company | $48/mo | $54/mo | $64/mo | $74/mo |
| Washington National Insurance Company | $54/mo | $65/mo | $79/mo | $94/mo |
| Woodmen Of The World Life Insurance Society | $54/mo | $56/mo | $66/mo | $81/mo |
| Insurance Company of North America | $57/mo | $58/mo | $69/mo | $84/mo |
| Medico Life and Health Insurance Company | $61/mo | $62/mo | $66/mo | $78/mo |
| HealthSpring Insurance Company | $63/mo | $64/mo | $79/mo | $96/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $70/mo | $74/mo | $87/mo | $99/mo |
| AultCare Insurance Company | $82/mo | $104/mo | $129/mo | $146/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company | $51/mo | $59/mo | $70/mo | $86/mo |
| Globe Life and Accident Insurance Company | $51/mo | $57/mo | $65/mo | $76/mo |
| Omaha Supplemental Insurance Company | $55/mo | $59/mo | $68/mo | $80/mo |
| Humana Insurance Company | $53/mo | $60/mo | $71/mo | $83/mo |
| Washington National Insurance Company | $60/mo | $73/mo | $88/mo | $105/mo |
| Woodmen Of The World Life Insurance Society | $62/mo | $64/mo | $76/mo | $98/mo |
| Insurance Company of North America | $64/mo | $66/mo | $78/mo | $94/mo |
| Medico Life and Health Insurance Company | $70/mo | $71/mo | $76/mo | $90/mo |
| HealthSpring Insurance Company | $72/mo | $74/mo | $86/mo | $110/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $80/mo | $85/mo | $102/mo | $118/mo |
| AultCare Insurance Company | $88/mo | $112/mo | $139/mo | $158/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company | $122/mo | $126/mo | $133/mo | $138/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company | $138/mo | $142/mo | $150/mo | $156/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 |
|---|---|---|---|---|
| Everence Association Inc. | $132/mo | $145/mo | $154/mo | $167/mo |
| AARP - UnitedHealthcare Insurance Company | $237/mo | $243/mo | $256/mo | $267/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Everence Association Inc. | $145/mo | $159/mo | $170/mo | $184/mo |
| AARP - UnitedHealthcare Insurance Company | $267/mo | $275/mo | $289/mo | $302/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 |
|---|---|---|---|---|
| New Era Life Insurance Company | $101/mo | $103/mo | $124/mo | $144/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company | $110/mo | $119/mo | $140/mo | $163/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 | $93/mo | $110/mo | $127/mo | $143/mo |
| LifeShield National Insurance Company | $107/mo | $118/mo | $147/mo | $177/mo |
| Erie Family Life Insurance Company | $115/mo | $127/mo | $152/mo | $177/mo |
| Insurance Company of North America | $116/mo | $119/mo | $142/mo | $172/mo |
| Woodmen Of The World Life Insurance Society | $118/mo | $121/mo | $146/mo | $178/mo |
| Omaha Supplemental Insurance Company | $121/mo | $135/mo | $162/mo | $195/mo |
| Washington National Insurance Company | $123/mo | $149/mo | $180/mo | $215/mo |
| AFLAC | $126/mo | $137/mo | $169/mo | $205/mo |
| New Era Life Insurance Company | $126/mo | $137/mo | $160/mo | $187/mo |
| Nassau Life Insurance Company | $129/mo | $138/mo | $169/mo | $202/mo |
| HealthSpring Insurance Company | $130/mo | $145/mo | $176/mo | $215/mo |
| American Benefit Life Insurance Company | $131/mo | $143/mo | $179/mo | $215/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $131/mo | $147/mo | $173/mo | $204/mo |
| Humana Insurance Company | $132/mo | $147/mo | $176/mo | $211/mo |
| USAA Life Insurance Company | $134/mo | $157/mo | $188/mo | $217/mo |
| Medico Life and Health Insurance Company | $138/mo | $139/mo | $148/mo | $175/mo |
| State Farm Mutual Automobile Insurance Company | $145/mo | $178/mo | $211/mo | $243/mo |
| Everence Association Inc. | $146/mo | $175/mo | $199/mo | $217/mo |
| Globe Life and Accident Insurance Company | $149/mo | $166/mo | $201/mo | $230/mo |
| Anthem Blue Cross and Blue Shield - Ohio | $159/mo | $208/mo | $257/mo | $305/mo |
| Pekin Life Insurance Company | $160/mo | $211/mo | $275/mo | $316/mo |
| Heartland National Life Insurance Company | $168/mo | $176/mo | $214/mo | $254/mo |
| AultCare Insurance Company | $179/mo | $229/mo | $284/mo | $321/mo |
| AARP - UnitedHealthcare Insurance Company of America | $318/mo | $325/mo | $310/mo | $319/mo |
| AARP - UnitedHealthcare Insurance Company | $350/mo | $358/mo | $349/mo | $362/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $100/mo | $118/mo | $137/mo | $154/mo |
| LifeShield National Insurance Company | $123/mo | $135/mo | $169/mo | $204/mo |
| Erie Family Life Insurance Company | $132/mo | $146/mo | $174/mo | $203/mo |
| Insurance Company of North America | $132/mo | $135/mo | $160/mo | $194/mo |
| Woodmen Of The World Life Insurance Society | $136/mo | $139/mo | $168/mo | $205/mo |
| Omaha Supplemental Insurance Company | $139/mo | $155/mo | $187/mo | $224/mo |
| Washington National Insurance Company | $137/mo | $165/mo | $200/mo | $239/mo |
| AFLAC | $144/mo | $157/mo | $194/mo | $236/mo |
| New Era Life Insurance Company | $142/mo | $155/mo | $181/mo | $211/mo |
| Nassau Life Insurance Company | $148/mo | $159/mo | $195/mo | $233/mo |
| HealthSpring Insurance Company | $153/mo | $167/mo | $203/mo | $247/mo |
| American Benefit Life Insurance Company | $151/mo | $165/mo | $206/mo | $248/mo |
| Continental Life Insurance Company of Brentwood, Tennessee | $151/mo | $169/mo | $199/mo | $234/mo |
| Humana Insurance Company | $145/mo | $162/mo | $195/mo | $235/mo |
| USAA Life Insurance Company | $134/mo | $157/mo | $188/mo | $217/mo |
| Medico Life and Health Insurance Company | $158/mo | $160/mo | $171/mo | $202/mo |
| State Farm Mutual Automobile Insurance Company | $151/mo | $199/mo | $241/mo | $281/mo |
| Everence Association Inc. | $161/mo | $193/mo | $219/mo | $239/mo |
| Globe Life and Accident Insurance Company | $160/mo | $179/mo | $216/mo | $247/mo |
| Anthem Blue Cross and Blue Shield - Ohio | $175/mo | $228/mo | $282/mo | $335/mo |
| Pekin Life Insurance Company | $176/mo | $232/mo | $302/mo | $348/mo |
| Heartland National Life Insurance Company | $194/mo | $202/mo | $246/mo | $292/mo |
| AultCare Insurance Company | $194/mo | $247/mo | $307/mo | $347/mo |
| AARP - UnitedHealthcare Insurance Company of America | $359/mo | $367/mo | $350/mo | $360/mo |
| AARP - UnitedHealthcare Insurance Company | $395/mo | $404/mo | $394/mo | $409/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 Ohio 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 | $121/mo |
| Level 2 | $301/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $123 – $130/mo |
| Level 2 | $457 – $481/mo | |
| Medico Life and Health Insurance Company | Preferred | $145 – $169/mo |
| Standard I | $160 – $186/mo | |
| Standard II | $182 – $211/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $137/mo |
| Level 2 | $339/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $140 – $147/mo |
| Level 2 | $516 – $543/mo | |
| Medico Life and Health Insurance Company | Preferred | $167 – $194/mo |
| Standard I | $184 – $214/mo | |
| Standard II | $209 – $243/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 Ohio 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 | $183/mo |
| Level 2 | $453/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $206/mo |
| Level 2 | $510/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 Ohio 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 | $232/mo |
| Level 2 | $574/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $262/mo |
| Level 2 | $647/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 Ohio carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Life and Health Insurance Company | Preferred | $207 – $241/mo |
| Standard I | $228 – $265/mo | |
| Standard II | $259 – $301/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $234/mo |
| Level 2 | $577/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $263 – $277/mo |
| Level 2 | $754 – $793/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Life and Health Insurance Company | Preferred | $238 – $277/mo |
| Standard I | $262 – $305/mo | |
| Standard II | $298 – $346/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $264/mo |
| Level 2 | $652/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $297 – $313/mo |
| Level 2 | $851 – $895/mo |
Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.
Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes
Why this matters: Carriers price the same High-Deductible Plan F differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the Ohio carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Life and Health Insurance Company | Preferred | $62 – $72/mo |
| Standard I | $68 – $80/mo | |
| Standard II | $78 – $90/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Life and Health Insurance Company | Preferred | $72 – $83/mo |
| Standard I | $79 – $91/mo | |
| Standard II | $89 – $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 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 Ohio carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Life and Health Insurance Company | Preferred | $147 – $171/mo |
| Standard I | $162 – $188/mo | |
| Standard II | $184 – $213/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $181/mo |
| Level 2 | $560/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $197 – $207/mo |
| Level 2 | $672 – $707/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Life and Health Insurance Company | Preferred | $169 – $196/mo |
| Standard I | $186 – $216/mo | |
| Standard II | $211 – $245/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $205/mo |
| Level 2 | $632/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $223 – $234/mo |
| Level 2 | $758 – $797/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 Ohio carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Life and Health Insurance Company | Preferred | $51 – $59/mo |
| Standard I | $56 – $65/mo | |
| Standard II | $63 – $74/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Life and Health Insurance Company | Preferred | $58 – $68/mo |
| Standard I | $64 – $74/mo | |
| Standard II | $73 – $85/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 Ohio 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 | $70/mo |
| Level 2 | $175/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $79/mo |
| Level 2 | $198/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 Ohio 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 | $136/mo |
| Level 2 | $337/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $154/mo |
| Level 2 | $381/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 Ohio carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Life and Health Insurance Company | Preferred | $114 – $132/mo |
| Standard I | $125 – $146/mo | |
| Standard II | $143 – $166/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $123 – $130/mo |
| Level 2 | $496 – $522/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $160/mo |
| Level 2 | $540/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Life and Health Insurance Company | Preferred | $131 – $152/mo |
| Standard I | $144 – $168/mo | |
| Standard II | $164 – $190/mo | |
| AARP - UnitedHealthcare Insurance Company of America | Standard | $140 – $147/mo |
| Level 2 | $560 – $589/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $181/mo |
| Level 2 | $609/mo |
Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.
Yes. You can qualify for Original Medicare (Part A and Part B) before age 65 if you have received Social Security Disability Insurance (SSDI) benefits for 24 months, or if you have End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS). However, unlike some states, Ohio does not currently mandate that private insurance carriers sell Medigap policies to under-65 beneficiaries. If you are under 65 and manage to find an insurer offering coverage, the plan will typically be subject to strict medical underwriting and carry significantly higher premiums.
No. Unlike states with automated annual switching windows, Ohio does not have a Medigap birthday rule. Outside of your initial 6-month Open Enrollment Period or a specific guaranteed issue event, switching Medigap plans or carriers in Ohio requires you to clear medical underwriting. This means insurers can review your health history and potentially deny you coverage or raise your premiums based on pre-existing conditions, making your initial plan selection crucial.
Yes. Ohio adheres to the standard 6-month federal Medigap Open Enrollment Period. This window automatically kicks off the first day of the month you are 65 or older and enrolled in Medicare Part B. During these 6 months, you have a guaranteed right to buy any Medigap policy sold in the state. Insurers are barred from using health screenings to deny policies or charging you a higher rate due to any pre-existing health conditions.
Yes, you are allowed to apply for or switch to a Medigap plan at any time of the year in Ohio, provided you are enrolled in both Medicare Part A and Part B. However, the standard annual Medicare Open Enrollment in the fall (also known as AEP) does not apply to Medigap. If you apply outside of your initial 6-month window or a qualifying life event, you must undergo medical underwriting. The insurance company can review your medical charts and choose to reject your application or price you out based on your health.
For most residents, Medicare starts at age 65. Your Initial Enrollment Period (IEP) opens three months before the month you turn 65, includes your birth month, and closes three months later (a 7-month window total). The only exceptions where Medicare coverage starts earlier in Ohio are if you qualify via a long-term disability, ALS, or permanent kidney failure.
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