Compare 2026 Medicare Supplement (Medigap) rates in Oklahoma. 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 | $208/mo |
| 70 | $227/mo |
| 75 | $267/mo |
| 80 | $307/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 Oklahoma. 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 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $96/mo | $115/mo | $123/mo | $123/mo |
| First Health Life & Health Insurance Company | $135/mo | $155/mo | $172/mo | $182/mo |
| State Farm Mutual Automobile Insurance Company | $149/mo | $187/mo | $217/mo | $244/mo |
| Nassau Life Insurance Company | $163/mo | $164/mo | $183/mo | $213/mo |
| Woodmen Of The World Life Insurance Society | $180/mo | $195/mo | $230/mo | $264/mo |
| Humana Insurance Company | $196/mo | $205/mo | $241/mo | $295/mo |
| Guarantee Trust Life Insurance Company | $201/mo | $213/mo | $240/mo | $278/mo |
| AFLAC | $204/mo | $223/mo | $263/mo | $301/mo |
| Mutual of Omaha Insurance Company | $207/mo | $229/mo | $267/mo | $313/mo |
| Everence Association Inc. | $210/mo | $227/mo | $238/mo | $252/mo |
| Aetna Health Insurance Company | $213/mo | $226/mo | $266/mo | $313/mo |
| Wisconsin Physicians Service Insurance Corporation | $213/mo | $255/mo | $300/mo | $342/mo |
| Bankers Fidelity Assurance Company | $233/mo | $262/mo | $302/mo | $336/mo |
| BlueCross BlueShield of Oklahoma | $395/mo | $488/mo | $582/mo | $675/mo |
| AARP - UnitedHealthcare Insurance Company | $782/mo | $860/mo | $1,053/mo | $1,245/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $110/mo | $133/mo | $141/mo | $141/mo |
| First Health Life & Health Insurance Company | $148/mo | $169/mo | $188/mo | $199/mo |
| State Farm Mutual Automobile Insurance Company | $161/mo | $203/mo | $235/mo | $264/mo |
| Nassau Life Insurance Company | $188/mo | $188/mo | $211/mo | $245/mo |
| Woodmen Of The World Life Insurance Society | $207/mo | $224/mo | $265/mo | $304/mo |
| Humana Insurance Company | $221/mo | $232/mo | $272/mo | $334/mo |
| Guarantee Trust Life Insurance Company | $225/mo | $239/mo | $271/mo | $315/mo |
| AFLAC | $233/mo | $255/mo | $301/mo | $345/mo |
| Mutual of Omaha Insurance Company | $238/mo | $264/mo | $307/mo | $360/mo |
| Everence Association Inc. | $231/mo | $250/mo | $262/mo | $278/mo |
| Aetna Health Insurance Company | $245/mo | $260/mo | $306/mo | $360/mo |
| Wisconsin Physicians Service Insurance Corporation | $234/mo | $280/mo | $330/mo | $376/mo |
| Bankers Fidelity Assurance Company | $261/mo | $294/mo | $338/mo | $377/mo |
| BlueCross BlueShield of Oklahoma | $437/mo | $541/mo | $644/mo | $748/mo |
| AARP - UnitedHealthcare Insurance Company | $883/mo | $970/mo | $1,187/mo | $1,405/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 | $155/mo | $181/mo | $206/mo | $227/mo |
| AARP - UnitedHealthcare Insurance Company | $185/mo | $204/mo | $250/mo | $296/mo |
| United American Insurance Company | $196/mo | $243/mo | $268/mo | $273/mo |
| Aetna Health Insurance Company | $202/mo | $214/mo | $252/mo | $297/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $170/mo | $198/mo | $225/mo | $248/mo |
| AARP - UnitedHealthcare Insurance Company | $209/mo | $230/mo | $282/mo | $334/mo |
| United American Insurance Company | $226/mo | $279/mo | $308/mo | $314/mo |
| Aetna Health Insurance Company | $232/mo | $246/mo | $289/mo | $341/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 |
|---|---|---|---|---|
| Wisconsin Physicians Service Insurance Corporation Lowest | $203/mo | $243/mo | $286/mo | $326/mo |
| State Farm Mutual Automobile Insurance Company | $224/mo | $282/mo | $327/mo | $368/mo |
| AARP - UnitedHealthcare Insurance Company | $226/mo | $248/mo | $304/mo | $360/mo |
| United American Insurance Company | $236/mo | $296/mo | $336/mo | $371/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Wisconsin Physicians Service Insurance Corporation Lowest | $223/mo | $267/mo | $314/mo | $359/mo |
| State Farm Mutual Automobile Insurance Company | $243/mo | $306/mo | $355/mo | $399/mo |
| AARP - UnitedHealthcare Insurance Company | $255/mo | $280/mo | $343/mo | $406/mo |
| United American Insurance Company | $272/mo | $340/mo | $386/mo | $426/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 | $178/mo | $218/mo | $257/mo | $292/mo |
| United American Insurance Company | $231/mo | $293/mo | $337/mo | $374/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $182/mo | $241/mo | $290/mo | $335/mo |
| United American Insurance Company | $265/mo | $337/mo | $387/mo | $430/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Nassau Life Insurance Company Lowest | $151/mo | $164/mo | $197/mo | $232/mo |
| Humana Insurance Company | $180/mo | $189/mo | $221/mo | $272/mo |
| First Health Life & Health Insurance Company | $182/mo | $214/mo | $245/mo | $273/mo |
| Woodmen Of The World Life Insurance Society | $198/mo | $206/mo | $234/mo | $283/mo |
| Wisconsin Physicians Service Insurance Corporation | $203/mo | $243/mo | $286/mo | $327/mo |
| BlueCross BlueShield of Oklahoma | $217/mo | $269/mo | $320/mo | $371/mo |
| AFLAC | $220/mo | $233/mo | $281/mo | $343/mo |
| Mutual of Omaha Insurance Company | $221/mo | $244/mo | $284/mo | $334/mo |
| AARP - UnitedHealthcare Insurance Company | $226/mo | $248/mo | $304/mo | $360/mo |
| State Farm Mutual Automobile Insurance Company | $226/mo | $285/mo | $331/mo | $371/mo |
| Bankers Fidelity Assurance Company | $242/mo | $274/mo | $324/mo | $376/mo |
| Aetna Health Insurance Company | $243/mo | $259/mo | $304/mo | $358/mo |
| United American Insurance Company | $249/mo | $311/mo | $353/mo | $389/mo |
| Guarantee Trust Life Insurance Company | $255/mo | $270/mo | $321/mo | $402/mo |
| Everence Association Inc. | $288/mo | $312/mo | $331/mo | $358/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Nassau Life Insurance Company Lowest | $174/mo | $189/mo | $226/mo | $267/mo |
| Humana Insurance Company | $203/mo | $213/mo | $250/mo | $307/mo |
| First Health Life & Health Insurance Company | $198/mo | $232/mo | $266/mo | $296/mo |
| Woodmen Of The World Life Insurance Society | $228/mo | $237/mo | $269/mo | $325/mo |
| Wisconsin Physicians Service Insurance Corporation | $223/mo | $268/mo | $315/mo | $359/mo |
| BlueCross BlueShield of Oklahoma | $241/mo | $298/mo | $354/mo | $411/mo |
| AFLAC | $252/mo | $267/mo | $322/mo | $393/mo |
| Mutual of Omaha Insurance Company | $254/mo | $281/mo | $327/mo | $384/mo |
| AARP - UnitedHealthcare Insurance Company | $255/mo | $280/mo | $343/mo | $406/mo |
| State Farm Mutual Automobile Insurance Company | $245/mo | $309/mo | $358/mo | $403/mo |
| Bankers Fidelity Assurance Company | $296/mo | $315/mo | $367/mo | $423/mo |
| Aetna Health Insurance Company | $280/mo | $298/mo | $350/mo | $412/mo |
| United American Insurance Company | $286/mo | $357/mo | $406/mo | $448/mo |
| Guarantee Trust Life Insurance Company | $285/mo | $303/mo | $360/mo | $450/mo |
| Everence Association Inc. | $317/mo | $344/mo | $364/mo | $394/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 | $40/mo | $52/mo | $65/mo | $72/mo |
| Aetna Health Insurance Company | $46/mo | $49/mo | $57/mo | $68/mo |
| BlueCross BlueShield of Oklahoma | $55/mo | $68/mo | $81/mo | $94/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $45/mo | $60/mo | $75/mo | $83/mo |
| Aetna Health Insurance Company | $53/mo | $56/mo | $66/mo | $78/mo |
| BlueCross BlueShield of Oklahoma | $61/mo | $75/mo | $89/mo | $104/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 |
|---|---|---|---|---|
| Nassau Life Insurance Company Lowest | $128/mo | $137/mo | $168/mo | $199/mo |
| Humana Insurance Company | $156/mo | $164/mo | $192/mo | $236/mo |
| Wisconsin Physicians Service Insurance Corporation | $165/mo | $198/mo | $233/mo | $266/mo |
| First Health Life & Health Insurance Company | $167/mo | $197/mo | $227/mo | $254/mo |
| Woodmen Of The World Life Insurance Society | $168/mo | $170/mo | $204/mo | $257/mo |
| BlueCross BlueShield of Oklahoma | $177/mo | $224/mo | $271/mo | $318/mo |
| State Farm Mutual Automobile Insurance Company | $178/mo | $218/mo | $257/mo | $292/mo |
| AFLAC | $182/mo | $199/mo | $237/mo | $289/mo |
| United American Insurance Company | $188/mo | $239/mo | $274/mo | $304/mo |
| Mutual of Omaha Insurance Company | $193/mo | $213/mo | $248/mo | $291/mo |
| Guarantee Trust Life Insurance Company | $195/mo | $208/mo | $247/mo | $309/mo |
| Aetna Health Insurance Company | $196/mo | $209/mo | $245/mo | $289/mo |
| Everence Association Inc. | $200/mo | $217/mo | $231/mo | $247/mo |
| AARP - UnitedHealthcare Insurance Company | $202/mo | $222/mo | $272/mo | $322/mo |
| Bankers Fidelity Assurance Company | $242/mo | $261/mo | $309/mo | $359/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Nassau Life Insurance Company Lowest | $147/mo | $158/mo | $193/mo | $229/mo |
| Humana Insurance Company | $177/mo | $186/mo | $217/mo | $267/mo |
| Wisconsin Physicians Service Insurance Corporation | $182/mo | $218/mo | $256/mo | $292/mo |
| First Health Life & Health Insurance Company | $181/mo | $213/mo | $246/mo | $275/mo |
| Woodmen Of The World Life Insurance Society | $193/mo | $196/mo | $235/mo | $295/mo |
| BlueCross BlueShield of Oklahoma | $198/mo | $251/mo | $303/mo | $355/mo |
| State Farm Mutual Automobile Insurance Company | $182/mo | $241/mo | $291/mo | $336/mo |
| AFLAC | $209/mo | $228/mo | $271/mo | $331/mo |
| United American Insurance Company | $216/mo | $275/mo | $315/mo | $350/mo |
| Mutual of Omaha Insurance Company | $222/mo | $245/mo | $285/mo | $335/mo |
| Guarantee Trust Life Insurance Company | $219/mo | $233/mo | $277/mo | $346/mo |
| Aetna Health Insurance Company | $226/mo | $240/mo | $282/mo | $332/mo |
| Everence Association Inc. | $220/mo | $239/mo | $254/mo | $272/mo |
| AARP - UnitedHealthcare Insurance Company | $228/mo | $250/mo | $307/mo | $363/mo |
| Bankers Fidelity Assurance Company | $271/mo | $307/mo | $363/mo | $421/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 |
|---|---|---|---|---|
| Mutual of Omaha Insurance Company Lowest | $34/mo | $40/mo | $47/mo | $55/mo |
| United American Insurance Company | $40/mo | $52/mo | $65/mo | $72/mo |
| Humana Insurance Company | $43/mo | $45/mo | $53/mo | $65/mo |
| BlueCross BlueShield of Oklahoma | $47/mo | $58/mo | $69/mo | $80/mo |
| Woodmen Of The World Life Insurance Society | $49/mo | $51/mo | $60/mo | $74/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Mutual of Omaha Insurance Company Lowest | $39/mo | $46/mo | $54/mo | $63/mo |
| United American Insurance Company | $45/mo | $60/mo | $75/mo | $83/mo |
| Humana Insurance Company | $48/mo | $51/mo | $59/mo | $73/mo |
| BlueCross BlueShield of Oklahoma | $52/mo | $64/mo | $76/mo | $89/mo |
| Woodmen Of The World Life Insurance Society | $56/mo | $58/mo | $70/mo | $85/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 | $59/mo | $65/mo | $80/mo | $95/mo |
| United American Insurance Company | $86/mo | $115/mo | $127/mo | $135/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $67/mo | $74/mo | $91/mo | $108/mo |
| United American Insurance Company | $99/mo | $132/mo | $146/mo | $155/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 | $84/mo | $93/mo | $114/mo | $135/mo |
| Everence Association Inc. | $121/mo | $133/mo | $141/mo | $153/mo |
| United American Insurance Company | $121/mo | $161/mo | $179/mo | $189/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $95/mo | $105/mo | $129/mo | $152/mo |
| Everence Association Inc. | $133/mo | $146/mo | $155/mo | $169/mo |
| United American Insurance Company | $139/mo | $185/mo | $206/mo | $218/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 | $95/mo | $106/mo | $128/mo | $157/mo |
| Nassau Life Insurance Company | $96/mo | $103/mo | $126/mo | $151/mo |
| First Health Life & Health Insurance Company | $103/mo | $122/mo | $141/mo | $159/mo |
| AFLAC | $109/mo | $126/mo | $157/mo | $200/mo |
| Woodmen Of The World Life Insurance Society | $109/mo | $112/mo | $135/mo | $167/mo |
| Mutual of Omaha Insurance Company | $124/mo | $149/mo | $176/mo | $207/mo |
| Everence Association Inc. | $132/mo | $158/mo | $179/mo | $196/mo |
| State Farm Mutual Automobile Insurance Company | $135/mo | $165/mo | $196/mo | $227/mo |
| Aetna Health Insurance Company | $136/mo | $152/mo | $180/mo | $211/mo |
| BlueCross BlueShield of Oklahoma | $150/mo | $189/mo | $229/mo | $269/mo |
| Wisconsin Physicians Service Insurance Corporation | $151/mo | $181/mo | $212/mo | $243/mo |
| Guarantee Trust Life Insurance Company | $154/mo | $164/mo | $195/mo | $244/mo |
| AARP - UnitedHealthcare Insurance Company | $175/mo | $192/mo | $236/mo | $279/mo |
| United American Insurance Company | $198/mo | $254/mo | $293/mo | $330/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Humana Insurance Company Lowest | $108/mo | $120/mo | $144/mo | $177/mo |
| Nassau Life Insurance Company | $110/mo | $118/mo | $145/mo | $174/mo |
| First Health Life & Health Insurance Company | $111/mo | $131/mo | $152/mo | $171/mo |
| AFLAC | $125/mo | $144/mo | $180/mo | $230/mo |
| Woodmen Of The World Life Insurance Society | $126/mo | $128/mo | $156/mo | $192/mo |
| Mutual of Omaha Insurance Company | $143/mo | $171/mo | $203/mo | $238/mo |
| Everence Association Inc. | $145/mo | $174/mo | $197/mo | $216/mo |
| State Farm Mutual Automobile Insurance Company | $141/mo | $185/mo | $224/mo | $261/mo |
| Aetna Health Insurance Company | $156/mo | $175/mo | $207/mo | $243/mo |
| BlueCross BlueShield of Oklahoma | $168/mo | $212/mo | $256/mo | $300/mo |
| Wisconsin Physicians Service Insurance Corporation | $166/mo | $199/mo | $234/mo | $267/mo |
| Guarantee Trust Life Insurance Company | $173/mo | $184/mo | $218/mo | $273/mo |
| AARP - UnitedHealthcare Insurance Company | $197/mo | $217/mo | $266/mo | $315/mo |
| United American Insurance Company | $228/mo | $291/mo | $337/mo | $379/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 | $96/mo | $115/mo | $123/mo | $123/mo |
| First Health Life & Health Insurance Company | $142/mo | $162/mo | $181/mo | $191/mo |
| State Farm Mutual Automobile Insurance Company | $149/mo | $187/mo | $217/mo | $244/mo |
| Nassau Life Insurance Company | $171/mo | $171/mo | $192/mo | $223/mo |
| Woodmen Of The World Life Insurance Society | $186/mo | $200/mo | $237/mo | $272/mo |
| Humana Insurance Company | $201/mo | $213/mo | $252/mo | $309/mo |
| Guarantee Trust Life Insurance Company | $207/mo | $220/mo | $248/mo | $287/mo |
| AFLAC | $210/mo | $230/mo | $270/mo | $310/mo |
| Everence Association Inc. | $210/mo | $227/mo | $238/mo | $252/mo |
| Wisconsin Physicians Service Insurance Corporation | $213/mo | $255/mo | $300/mo | $342/mo |
| Aetna Health Insurance Company | $221/mo | $235/mo | $277/mo | $326/mo |
| Mutual of Omaha Insurance Company | $224/mo | $248/mo | $288/mo | $339/mo |
| Bankers Fidelity Assurance Company | $256/mo | $288/mo | $332/mo | $370/mo |
| BlueCross BlueShield of Oklahoma | $395/mo | $488/mo | $582/mo | $675/mo |
| AARP - UnitedHealthcare Insurance Company | $1,355/mo | $1,393/mo | $1,464/mo | $1,528/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $110/mo | $133/mo | $141/mo | $141/mo |
| First Health Life & Health Insurance Company | $155/mo | $177/mo | $197/mo | $209/mo |
| State Farm Mutual Automobile Insurance Company | $161/mo | $203/mo | $235/mo | $264/mo |
| Nassau Life Insurance Company | $196/mo | $197/mo | $220/mo | $257/mo |
| Woodmen Of The World Life Insurance Society | $213/mo | $230/mo | $273/mo | $313/mo |
| Humana Insurance Company | $228/mo | $242/mo | $287/mo | $351/mo |
| Guarantee Trust Life Insurance Company | $232/mo | $247/mo | $280/mo | $325/mo |
| AFLAC | $240/mo | $263/mo | $310/mo | $356/mo |
| Everence Association Inc. | $231/mo | $250/mo | $262/mo | $278/mo |
| Wisconsin Physicians Service Insurance Corporation | $234/mo | $280/mo | $330/mo | $376/mo |
| Aetna Health Insurance Company | $255/mo | $270/mo | $318/mo | $375/mo |
| Mutual of Omaha Insurance Company | $258/mo | $285/mo | $332/mo | $389/mo |
| Bankers Fidelity Assurance Company | $287/mo | $323/mo | $372/mo | $414/mo |
| BlueCross BlueShield of Oklahoma | $437/mo | $541/mo | $644/mo | $748/mo |
| AARP - UnitedHealthcare Insurance Company | $1,528/mo | $1,572/mo | $1,651/mo | $1,724/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 | $163/mo | $190/mo | $217/mo | $239/mo |
| United American Insurance Company | $196/mo | $243/mo | $268/mo | $273/mo |
| Aetna Health Insurance Company | $210/mo | $223/mo | $262/mo | $309/mo |
| AARP - UnitedHealthcare Insurance Company | $322/mo | $331/mo | $348/mo | $364/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $178/mo | $208/mo | $237/mo | $261/mo |
| United American Insurance Company | $226/mo | $279/mo | $308/mo | $314/mo |
| Aetna Health Insurance Company | $241/mo | $256/mo | $301/mo | $355/mo |
| AARP - UnitedHealthcare Insurance Company | $363/mo | $374/mo | $393/mo | $410/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 |
|---|---|---|---|---|
| Wisconsin Physicians Service Insurance Corporation | $203/mo | $243/mo | $286/mo | $326/mo |
| State Farm Mutual Automobile Insurance Company | $224/mo | $282/mo | $327/mo | $368/mo |
| United American Insurance Company | $236/mo | $296/mo | $336/mo | $371/mo |
| AARP - UnitedHealthcare Insurance Company | $392/mo | $403/mo | $423/mo | $442/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Wisconsin Physicians Service Insurance Corporation | $223/mo | $267/mo | $314/mo | $359/mo |
| State Farm Mutual Automobile Insurance Company | $243/mo | $306/mo | $355/mo | $399/mo |
| United American Insurance Company | $272/mo | $340/mo | $386/mo | $426/mo |
| AARP - UnitedHealthcare Insurance Company | $442/mo | $454/mo | $477/mo | $498/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 | $178/mo | $218/mo | $257/mo | $292/mo |
| United American Insurance Company | $231/mo | $293/mo | $337/mo | $374/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $182/mo | $241/mo | $290/mo | $335/mo |
| United American Insurance Company | $265/mo | $337/mo | $387/mo | $430/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 |
|---|---|---|---|---|
| Nassau Life Insurance Company | $159/mo | $172/mo | $206/mo | $243/mo |
| First Health Life & Health Insurance Company | $191/mo | $225/mo | $257/mo | $287/mo |
| Wisconsin Physicians Service Insurance Corporation | $203/mo | $243/mo | $286/mo | $327/mo |
| Woodmen Of The World Life Insurance Society | $204/mo | $212/mo | $241/mo | $291/mo |
| Humana Insurance Company | $211/mo | $224/mo | $266/mo | $325/mo |
| BlueCross BlueShield of Oklahoma | $217/mo | $269/mo | $320/mo | $371/mo |
| AFLAC | $226/mo | $240/mo | $290/mo | $353/mo |
| State Farm Mutual Automobile Insurance Company | $226/mo | $285/mo | $331/mo | $371/mo |
| Mutual of Omaha Insurance Company | $239/mo | $264/mo | $308/mo | $361/mo |
| United American Insurance Company | $249/mo | $311/mo | $353/mo | $389/mo |
| Aetna Health Insurance Company | $253/mo | $269/mo | $316/mo | $373/mo |
| Guarantee Trust Life Insurance Company | $263/mo | $279/mo | $332/mo | $415/mo |
| Bankers Fidelity Assurance Company | $280/mo | $314/mo | $369/mo | $426/mo |
| Everence Association Inc. | $288/mo | $312/mo | $331/mo | $358/mo |
| AARP - UnitedHealthcare Insurance Company | $392/mo | $403/mo | $424/mo | $442/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Nassau Life Insurance Company | $182/mo | $198/mo | $237/mo | $279/mo |
| First Health Life & Health Insurance Company | $208/mo | $244/mo | $280/mo | $311/mo |
| Wisconsin Physicians Service Insurance Corporation | $223/mo | $268/mo | $315/mo | $359/mo |
| Woodmen Of The World Life Insurance Society | $234/mo | $244/mo | $277/mo | $334/mo |
| Humana Insurance Company | $240/mo | $255/mo | $302/mo | $369/mo |
| BlueCross BlueShield of Oklahoma | $241/mo | $298/mo | $354/mo | $411/mo |
| AFLAC | $259/mo | $275/mo | $332/mo | $405/mo |
| State Farm Mutual Automobile Insurance Company | $245/mo | $309/mo | $358/mo | $403/mo |
| Mutual of Omaha Insurance Company | $275/mo | $304/mo | $354/mo | $415/mo |
| United American Insurance Company | $286/mo | $357/mo | $406/mo | $448/mo |
| Aetna Health Insurance Company | $291/mo | $310/mo | $364/mo | $429/mo |
| Guarantee Trust Life Insurance Company | $294/mo | $313/mo | $372/mo | $465/mo |
| Bankers Fidelity Assurance Company | $325/mo | $356/mo | $415/mo | $478/mo |
| Everence Association Inc. | $317/mo | $344/mo | $364/mo | $394/mo |
| AARP - UnitedHealthcare Insurance Company | $442/mo | $455/mo | $478/mo | $499/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 | $40/mo | $52/mo | $65/mo | $72/mo |
| Aetna Health Insurance Company | $48/mo | $51/mo | $60/mo | $70/mo |
| BlueCross BlueShield of Oklahoma | $55/mo | $68/mo | $81/mo | $94/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $45/mo | $60/mo | $75/mo | $83/mo |
| Aetna Health Insurance Company | $55/mo | $58/mo | $69/mo | $81/mo |
| BlueCross BlueShield of Oklahoma | $61/mo | $75/mo | $89/mo | $104/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 |
|---|---|---|---|---|
| Nassau Life Insurance Company | $134/mo | $144/mo | $175/mo | $208/mo |
| Wisconsin Physicians Service Insurance Corporation | $165/mo | $198/mo | $233/mo | $266/mo |
| Woodmen Of The World Life Insurance Society | $173/mo | $175/mo | $210/mo | $264/mo |
| First Health Life & Health Insurance Company | $176/mo | $207/mo | $238/mo | $267/mo |
| State Farm Mutual Automobile Insurance Company | $178/mo | $218/mo | $257/mo | $292/mo |
| Humana Insurance Company | $181/mo | $192/mo | $228/mo | $278/mo |
| BlueCross BlueShield of Oklahoma | $186/mo | $233/mo | $280/mo | $327/mo |
| AFLAC | $188/mo | $205/mo | $244/mo | $297/mo |
| United American Insurance Company | $188/mo | $239/mo | $274/mo | $304/mo |
| Everence Association Inc. | $200/mo | $217/mo | $231/mo | $247/mo |
| Guarantee Trust Life Insurance Company | $202/mo | $214/mo | $255/mo | $319/mo |
| Aetna Health Insurance Company | $204/mo | $217/mo | $255/mo | $300/mo |
| Mutual of Omaha Insurance Company | $208/mo | $230/mo | $268/mo | $315/mo |
| Bankers Fidelity Assurance Company | $266/mo | $295/mo | $349/mo | $405/mo |
| AARP - UnitedHealthcare Insurance Company | $391/mo | $401/mo | $406/mo | $422/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Nassau Life Insurance Company | $154/mo | $165/mo | $202/mo | $240/mo |
| Wisconsin Physicians Service Insurance Corporation | $182/mo | $218/mo | $256/mo | $292/mo |
| Woodmen Of The World Life Insurance Society | $199/mo | $202/mo | $242/mo | $304/mo |
| First Health Life & Health Insurance Company | $190/mo | $224/mo | $258/mo | $289/mo |
| State Farm Mutual Automobile Insurance Company | $182/mo | $241/mo | $291/mo | $336/mo |
| Humana Insurance Company | $206/mo | $219/mo | $259/mo | $316/mo |
| BlueCross BlueShield of Oklahoma | $207/mo | $260/mo | $312/mo | $364/mo |
| AFLAC | $215/mo | $235/mo | $280/mo | $341/mo |
| United American Insurance Company | $216/mo | $275/mo | $315/mo | $350/mo |
| Everence Association Inc. | $220/mo | $239/mo | $254/mo | $272/mo |
| Guarantee Trust Life Insurance Company | $226/mo | $240/mo | $285/mo | $357/mo |
| Aetna Health Insurance Company | $235/mo | $250/mo | $293/mo | $346/mo |
| Mutual of Omaha Insurance Company | $240/mo | $265/mo | $308/mo | $362/mo |
| Bankers Fidelity Assurance Company | $298/mo | $338/mo | $399/mo | $463/mo |
| AARP - UnitedHealthcare Insurance Company | $441/mo | $452/mo | $458/mo | $476/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 |
|---|---|---|---|---|
| Mutual of Omaha Insurance Company | $37/mo | $43/mo | $51/mo | $59/mo |
| United American Insurance Company | $40/mo | $52/mo | $65/mo | $72/mo |
| BlueCross BlueShield of Oklahoma | $47/mo | $58/mo | $69/mo | $80/mo |
| Humana Insurance Company | $48/mo | $51/mo | $60/mo | $73/mo |
| Woodmen Of The World Life Insurance Society | $50/mo | $52/mo | $62/mo | $76/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Mutual of Omaha Insurance Company | $42/mo | $49/mo | $59/mo | $68/mo |
| United American Insurance Company | $45/mo | $60/mo | $75/mo | $83/mo |
| BlueCross BlueShield of Oklahoma | $52/mo | $64/mo | $76/mo | $89/mo |
| Humana Insurance Company | $54/mo | $57/mo | $68/mo | $83/mo |
| Woodmen Of The World Life Insurance Society | $58/mo | $60/mo | $72/mo | $88/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 | $86/mo | $115/mo | $127/mo | $135/mo |
| AARP - UnitedHealthcare Insurance Company | $104/mo | $107/mo | $112/mo | $117/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $99/mo | $132/mo | $146/mo | $155/mo |
| AARP - UnitedHealthcare Insurance Company | $117/mo | $121/mo | $127/mo | $132/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. | $121/mo | $133/mo | $141/mo | $153/mo |
| United American Insurance Company | $121/mo | $161/mo | $179/mo | $189/mo |
| AARP - UnitedHealthcare Insurance Company | $147/mo | $151/mo | $159/mo | $166/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Everence Association Inc. | $133/mo | $146/mo | $155/mo | $169/mo |
| United American Insurance Company | $139/mo | $185/mo | $206/mo | $218/mo |
| AARP - UnitedHealthcare Insurance Company | $166/mo | $171/mo | $180/mo | $188/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 |
|---|---|---|---|---|
| Nassau Life Insurance Company | $101/mo | $108/mo | $132/mo | $158/mo |
| First Health Life & Health Insurance Company | $108/mo | $128/mo | $148/mo | $167/mo |
| AFLAC | $112/mo | $129/mo | $162/mo | $206/mo |
| Woodmen Of The World Life Insurance Society | $112/mo | $115/mo | $139/mo | $172/mo |
| Humana Insurance Company | $128/mo | $139/mo | $167/mo | $204/mo |
| Everence Association Inc. | $132/mo | $158/mo | $179/mo | $196/mo |
| Mutual of Omaha Insurance Company | $134/mo | $161/mo | $191/mo | $224/mo |
| State Farm Mutual Automobile Insurance Company | $135/mo | $165/mo | $196/mo | $227/mo |
| Aetna Health Insurance Company | $141/mo | $158/mo | $187/mo | $220/mo |
| BlueCross BlueShield of Oklahoma | $150/mo | $189/mo | $229/mo | $269/mo |
| Wisconsin Physicians Service Insurance Corporation | $151/mo | $181/mo | $212/mo | $243/mo |
| Guarantee Trust Life Insurance Company | $159/mo | $169/mo | $201/mo | $252/mo |
| United American Insurance Company | $198/mo | $254/mo | $293/mo | $330/mo |
| AARP - UnitedHealthcare Insurance Company | $361/mo | $369/mo | $366/mo | $381/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Nassau Life Insurance Company | $116/mo | $124/mo | $152/mo | $182/mo |
| First Health Life & Health Insurance Company | $116/mo | $138/mo | $159/mo | $180/mo |
| AFLAC | $128/mo | $148/mo | $186/mo | $236/mo |
| Woodmen Of The World Life Insurance Society | $129/mo | $132/mo | $160/mo | $198/mo |
| Humana Insurance Company | $146/mo | $158/mo | $190/mo | $232/mo |
| Everence Association Inc. | $145/mo | $174/mo | $197/mo | $216/mo |
| Mutual of Omaha Insurance Company | $154/mo | $185/mo | $219/mo | $257/mo |
| State Farm Mutual Automobile Insurance Company | $141/mo | $185/mo | $224/mo | $261/mo |
| Aetna Health Insurance Company | $162/mo | $182/mo | $215/mo | $253/mo |
| BlueCross BlueShield of Oklahoma | $168/mo | $212/mo | $256/mo | $300/mo |
| Wisconsin Physicians Service Insurance Corporation | $166/mo | $199/mo | $234/mo | $267/mo |
| Guarantee Trust Life Insurance Company | $178/mo | $189/mo | $225/mo | $282/mo |
| United American Insurance Company | $228/mo | $291/mo | $337/mo | $379/mo |
| AARP - UnitedHealthcare Insurance Company | $407/mo | $417/mo | $413/mo | $430/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 Oklahoma 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 |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $233/mo |
| Standard | $280/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $782/mo |
| Level 2 | $1,927/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $261/mo |
| Standard | $313/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $883/mo |
| Level 2 | $2,173/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 Oklahoma 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 | $185/mo |
| Level 2 | $459/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $209/mo |
| Level 2 | $517/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 Oklahoma 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 | $226/mo |
| Level 2 | $558/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $255/mo |
| Level 2 | $629/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 Oklahoma 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 | $226/mo |
| Level 2 | $558/mo | |
| Bankers Fidelity Assurance Company | Preferred | $242/mo |
| Standard | $317/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $255/mo |
| Level 2 | $629/mo | |
| Bankers Fidelity Assurance Company | Preferred | $296/mo |
| Standard | $355/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 Oklahoma 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 | $202/mo |
| Level 2 | $580/mo | |
| Bankers Fidelity Assurance Company | Preferred | $242/mo |
| Standard | $291/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $228/mo |
| Level 2 | $654/mo | |
| Bankers Fidelity Assurance Company | Preferred | $271/mo |
| Standard | $326/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 Oklahoma 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 | $59/mo |
| Level 2 | $148/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $67/mo |
| Level 2 | $168/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 Oklahoma 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 | $84/mo |
| Level 2 | $210/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $95/mo |
| Level 2 | $237/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 Oklahoma 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 | $175/mo |
| Level 2 | $546/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $197/mo |
| Level 2 | $616/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 submit an application at any point, but you must pass a medical underwriting check to get approved outside your initial enrollment window or your 60-day birthday window.
For most Medicare eligibility starts at age 65. However, Oklahomans with specific severe illnesses or qualifying disabilities can enroll before 65.
Yes. You receive a 60-day window starting on your birthday to switch to an equal or lesser Medicare Supplement plan with any carrier without health assessment and medical underwriting.
No. There is no mandate, but going without prescription drug coverage (either through Medicare Part D or creditible coverage through an employer) means Medicare will add a lifelong premium penalty should you choose to sign up later.
In Oklahoma, you have guaranteed issue rights during your initial six-month Medigap Open Enrollment Period, which begins when you are 65 or older and enrolled in Medicare Part B. Additionally, Oklahoma implemented a birthday rule that provides an annual 60-day window starting on your birthday to switch to a plan of equal or lesser benefits without medical underwriting. You also qualify for protections during specific life events, such as when your Medicare Advantage plan stops serving your area, you move out of your plan's service area, or you lose employer-sponsored health coverage. In these situations, insurance companies must sell you a policy at the best available rate regardless of your health status.
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PLEASE NOTE: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.
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