Compare 2026 Medicare Supplement (Medigap) rates in Pennsylvania. 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 | $219/mo |
| 70 | $236/mo |
| 75 | $274/mo |
| 80 | $312/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 Pennsylvania. 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 |
|---|---|---|---|---|
| Blue Cross of Northeastern Pennsylvania Lowest | $99/mo | $115/mo | $136/mo | $155/mo |
| Highmark Blue Cross Blue Shield | $99/mo | $115/mo | $136/mo | $155/mo |
| State Farm Mutual Automobile Insurance Company | $104/mo | $131/mo | $152/mo | $170/mo |
| AARP - UnitedHealthcare Insurance Company | $110/mo | $121/mo | $149/mo | $176/mo |
| United American Insurance Company | $114/mo | $144/mo | $155/mo | $155/mo |
| First Health Life & Health Insurance Company | $115/mo | $132/mo | $147/mo | $155/mo |
| Highmark Blue Shield | $118/mo | $141/mo | $166/mo | $188/mo |
| HealthSpring Insurance Company | $120/mo | $124/mo | $146/mo | $182/mo |
| Capital BlueCross | $125/mo | $151/mo | $181/mo | $195/mo |
| Wisconsin Physicians Service Insurance Corporation | $125/mo | $151/mo | $178/mo | $205/mo |
| Humana Insurance Company | $129/mo | $137/mo | $162/mo | $197/mo |
| Everence Association Inc. | $130/mo | $141/mo | $148/mo | $157/mo |
| Bankers Fidelity Assurance Company | $150/mo | $168/mo | $194/mo | $216/mo |
| Woodmen Of The World Life Insurance Society | $156/mo | $158/mo | $190/mo | $238/mo |
| AFLAC | $162/mo | $172/mo | $212/mo | $267/mo |
| Aetna Health Insurance Company | $166/mo | $176/mo | $207/mo | $244/mo |
| Erie Family Life Insurance Company | $180/mo | $187/mo | $220/mo | $251/mo |
| Guarantee Trust Life Insurance Company | $206/mo | $214/mo | $241/mo | $279/mo |
| GPM Health and Life Insurance Company | $232/mo | $257/mo | $307/mo | $354/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross of Northeastern Pennsylvania Lowest | $99/mo | $115/mo | $136/mo | $155/mo |
| Highmark Blue Cross Blue Shield | $99/mo | $115/mo | $136/mo | $155/mo |
| State Farm Mutual Automobile Insurance Company | $113/mo | $142/mo | $164/mo | $185/mo |
| AARP - UnitedHealthcare Insurance Company | $124/mo | $137/mo | $168/mo | $199/mo |
| United American Insurance Company | $131/mo | $165/mo | $178/mo | $178/mo |
| First Health Life & Health Insurance Company | $126/mo | $144/mo | $160/mo | $170/mo |
| Highmark Blue Shield | $118/mo | $141/mo | $166/mo | $188/mo |
| HealthSpring Insurance Company | $135/mo | $139/mo | $163/mo | $204/mo |
| Capital BlueCross | $125/mo | $151/mo | $181/mo | $195/mo |
| Wisconsin Physicians Service Insurance Corporation | $138/mo | $166/mo | $196/mo | $226/mo |
| Humana Insurance Company | $146/mo | $155/mo | $183/mo | $222/mo |
| Everence Association Inc. | $143/mo | $155/mo | $163/mo | $172/mo |
| Bankers Fidelity Assurance Company | $168/mo | $188/mo | $217/mo | $242/mo |
| Woodmen Of The World Life Insurance Society | $179/mo | $182/mo | $218/mo | $274/mo |
| AFLAC | $185/mo | $197/mo | $242/mo | $305/mo |
| Aetna Health Insurance Company | $191/mo | $203/mo | $238/mo | $281/mo |
| Erie Family Life Insurance Company | $207/mo | $215/mo | $253/mo | $289/mo |
| Guarantee Trust Life Insurance Company | $231/mo | $240/mo | $272/mo | $316/mo |
| GPM Health and Life Insurance Company | $267/mo | $295/mo | $353/mo | $407/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 | $120/mo | $124/mo | $146/mo | $182/mo |
| Humana Insurance Company | $130/mo | $138/mo | $163/mo | $199/mo |
| First Health Life & Health Insurance Company | $132/mo | $154/mo | $175/mo | $193/mo |
| Blue Cross of Northeastern Pennsylvania | $135/mo | $158/mo | $188/mo | $217/mo |
| Everence Association Inc. | $135/mo | $147/mo | $156/mo | $168/mo |
| Highmark Blue Cross Blue Shield | $135/mo | $158/mo | $188/mo | $217/mo |
| Capital BlueCross | $136/mo | $168/mo | $204/mo | $228/mo |
| Highmark Blue Shield | $141/mo | $170/mo | $200/mo | $228/mo |
| Wisconsin Physicians Service Insurance Corporation | $146/mo | $176/mo | $208/mo | $240/mo |
| Bankers Fidelity Assurance Company | $154/mo | $168/mo | $199/mo | $231/mo |
| State Farm Mutual Automobile Insurance Company | $154/mo | $194/mo | $224/mo | $252/mo |
| Woodmen Of The World Life Insurance Society | $156/mo | $159/mo | $191/mo | $239/mo |
| AFLAC | $162/mo | $172/mo | $212/mo | $267/mo |
| AARP - UnitedHealthcare Insurance Company | $170/mo | $187/mo | $229/mo | $271/mo |
| United American Insurance Company | $176/mo | $235/mo | $268/mo | $284/mo |
| Erie Family Life Insurance Company | $183/mo | $192/mo | $226/mo | $262/mo |
| Aetna Health Insurance Company | $185/mo | $196/mo | $230/mo | $272/mo |
| Guarantee Trust Life Insurance Company | $212/mo | $221/mo | $262/mo | $328/mo |
| GPM Health and Life Insurance Company | $237/mo | $261/mo | $313/mo | $361/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring Insurance Company Lowest | $135/mo | $139/mo | $163/mo | $204/mo |
| Humana Insurance Company | $147/mo | $156/mo | $185/mo | $225/mo |
| First Health Life & Health Insurance Company | $144/mo | $168/mo | $191/mo | $210/mo |
| Blue Cross of Northeastern Pennsylvania | $135/mo | $158/mo | $188/mo | $217/mo |
| Everence Association Inc. | $149/mo | $162/mo | $172/mo | $185/mo |
| Highmark Blue Cross Blue Shield | $135/mo | $158/mo | $188/mo | $217/mo |
| Capital BlueCross | $136/mo | $168/mo | $204/mo | $228/mo |
| Highmark Blue Shield | $141/mo | $170/mo | $200/mo | $228/mo |
| Wisconsin Physicians Service Insurance Corporation | $161/mo | $194/mo | $229/mo | $264/mo |
| Bankers Fidelity Assurance Company | $173/mo | $189/mo | $223/mo | $259/mo |
| State Farm Mutual Automobile Insurance Company | $167/mo | $210/mo | $243/mo | $273/mo |
| Woodmen Of The World Life Insurance Society | $180/mo | $183/mo | $219/mo | $275/mo |
| AFLAC | $186/mo | $197/mo | $243/mo | $306/mo |
| AARP - UnitedHealthcare Insurance Company | $192/mo | $211/mo | $259/mo | $306/mo |
| United American Insurance Company | $202/mo | $270/mo | $308/mo | $327/mo |
| Erie Family Life Insurance Company | $210/mo | $221/mo | $260/mo | $301/mo |
| Aetna Health Insurance Company | $213/mo | $225/mo | $265/mo | $312/mo |
| Guarantee Trust Life Insurance Company | $238/mo | $247/mo | $294/mo | $368/mo |
| GPM Health and Life Insurance Company | $272/mo | $301/mo | $360/mo | $415/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 | $175/mo | $210/mo | $248/mo | $286/mo |
| Blue Cross of Northeastern Pennsylvania | $192/mo | $226/mo | $271/mo | $315/mo |
| Highmark Blue Cross Blue Shield | $192/mo | $226/mo | $271/mo | $315/mo |
| Capital BlueCross | $204/mo | $251/mo | $309/mo | $357/mo |
| Highmark Blue Shield | $210/mo | $254/mo | $300/mo | $342/mo |
| AARP - UnitedHealthcare Insurance Company | $224/mo | $247/mo | $302/mo | $358/mo |
| State Farm Mutual Automobile Insurance Company | $226/mo | $285/mo | $330/mo | $371/mo |
| United American Insurance Company | $265/mo | $344/mo | $396/mo | $429/mo |
| GPM Health and Life Insurance Company | $326/mo | $360/mo | $431/mo | $497/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Wisconsin Physicians Service Insurance Corporation Lowest | $192/mo | $231/mo | $273/mo | $314/mo |
| Blue Cross of Northeastern Pennsylvania | $192/mo | $226/mo | $271/mo | $315/mo |
| Highmark Blue Cross Blue Shield | $192/mo | $226/mo | $271/mo | $315/mo |
| Capital BlueCross | $204/mo | $251/mo | $309/mo | $357/mo |
| Highmark Blue Shield | $210/mo | $254/mo | $300/mo | $342/mo |
| AARP - UnitedHealthcare Insurance Company | $253/mo | $279/mo | $341/mo | $404/mo |
| State Farm Mutual Automobile Insurance Company | $245/mo | $309/mo | $358/mo | $402/mo |
| United American Insurance Company | $305/mo | $396/mo | $455/mo | $493/mo |
| GPM Health and Life Insurance Company | $375/mo | $414/mo | $496/mo | $572/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 |
|---|---|---|---|---|
| Blue Cross of Northeastern Pennsylvania Lowest | $128/mo | $140/mo | $163/mo | $188/mo |
| Highmark Blue Cross Blue Shield | $128/mo | $140/mo | $163/mo | $188/mo |
| Highmark Blue Shield | $128/mo | $140/mo | $162/mo | $188/mo |
| Capital BlueCross | $156/mo | $192/mo | $235/mo | $272/mo |
| State Farm Mutual Automobile Insurance Company | $164/mo | $201/mo | $236/mo | $269/mo |
| United American Insurance Company | $179/mo | $239/mo | $279/mo | $304/mo |
| GPM Health and Life Insurance Company | $242/mo | $267/mo | $320/mo | $369/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross of Northeastern Pennsylvania Lowest | $141/mo | $154/mo | $179/mo | $207/mo |
| Highmark Blue Cross Blue Shield | $141/mo | $154/mo | $179/mo | $207/mo |
| Highmark Blue Shield | $142/mo | $155/mo | $179/mo | $208/mo |
| Capital BlueCross | $179/mo | $221/mo | $270/mo | $313/mo |
| State Farm Mutual Automobile Insurance Company | $168/mo | $222/mo | $267/mo | $309/mo |
| United American Insurance Company | $206/mo | $275/mo | $320/mo | $349/mo |
| GPM Health and Life Insurance Company | $279/mo | $307/mo | $368/mo | $424/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 | $182/mo | $208/mo | $232/mo |
| HealthSpring Insurance Company | $157/mo | $161/mo | $185/mo | $225/mo |
| Humana Insurance Company | $169/mo | $180/mo | $212/mo | $258/mo |
| Wisconsin Physicians Service Insurance Corporation | $175/mo | $211/mo | $249/mo | $287/mo |
| AFLAC | $195/mo | $208/mo | $249/mo | $309/mo |
| Woodmen Of The World Life Insurance Society | $195/mo | $195/mo | $230/mo | $278/mo |
| Capital BlueCross | $207/mo | $253/mo | $312/mo | $360/mo |
| Everence Association Inc. | $207/mo | $224/mo | $238/mo | $257/mo |
| Highmark Blue Shield | $210/mo | $254/mo | $300/mo | $343/mo |
| Highmark Blue Cross Blue Shield | $215/mo | $255/mo | $301/mo | $353/mo |
| Erie Family Life Insurance Company | $228/mo | $241/mo | $278/mo | $326/mo |
| State Farm Mutual Automobile Insurance Company | $229/mo | $288/mo | $334/mo | $375/mo |
| Blue Cross of Northeastern Pennsylvania | $230/mo | $255/mo | $301/mo | $365/mo |
| United American Insurance Company | $230/mo | $298/mo | $343/mo | $371/mo |
| AARP - UnitedHealthcare Insurance Company | $232/mo | $255/mo | $312/mo | $370/mo |
| Bankers Fidelity Assurance Company | $237/mo | $265/mo | $309/mo | $356/mo |
| Aetna Health Insurance Company | $238/mo | $252/mo | $296/mo | $349/mo |
| Guarantee Trust Life Insurance Company | $261/mo | $271/mo | $323/mo | $404/mo |
| GPM Health and Life Insurance Company | $328/mo | $363/mo | $434/mo | $501/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $168/mo | $197/mo | $226/mo | $251/mo |
| HealthSpring Insurance Company | $175/mo | $180/mo | $207/mo | $252/mo |
| Humana Insurance Company | $191/mo | $203/mo | $240/mo | $292/mo |
| Wisconsin Physicians Service Insurance Corporation | $193/mo | $232/mo | $274/mo | $316/mo |
| AFLAC | $224/mo | $238/mo | $286/mo | $353/mo |
| Woodmen Of The World Life Insurance Society | $224/mo | $224/mo | $265/mo | $320/mo |
| Capital BlueCross | $207/mo | $253/mo | $312/mo | $360/mo |
| Everence Association Inc. | $228/mo | $247/mo | $262/mo | $283/mo |
| Highmark Blue Shield | $210/mo | $254/mo | $300/mo | $343/mo |
| Highmark Blue Cross Blue Shield | $215/mo | $255/mo | $301/mo | $353/mo |
| Erie Family Life Insurance Company | $263/mo | $277/mo | $319/mo | $374/mo |
| State Farm Mutual Automobile Insurance Company | $248/mo | $312/mo | $361/mo | $406/mo |
| Blue Cross of Northeastern Pennsylvania | $230/mo | $255/mo | $301/mo | $365/mo |
| United American Insurance Company | $264/mo | $343/mo | $394/mo | $427/mo |
| AARP - UnitedHealthcare Insurance Company | $262/mo | $287/mo | $352/mo | $417/mo |
| Bankers Fidelity Assurance Company | $266/mo | $297/mo | $346/mo | $398/mo |
| Aetna Health Insurance Company | $273/mo | $290/mo | $341/mo | $402/mo |
| Guarantee Trust Life Insurance Company | $293/mo | $304/mo | $361/mo | $452/mo |
| GPM Health and Life Insurance Company | $378/mo | $417/mo | $500/mo | $576/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 | $29/mo | $39/mo | $50/mo | $61/mo |
| Highmark Blue Shield | $91/mo | $107/mo | $125/mo | $141/mo |
| Highmark Blue Cross Blue Shield | $99/mo | $109/mo | $128/mo | $155/mo |
| Blue Cross of Northeastern Pennsylvania | $101/mo | $109/mo | $128/mo | $156/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $33/mo | $45/mo | $58/mo | $70/mo |
| Highmark Blue Shield | $91/mo | $107/mo | $125/mo | $141/mo |
| Highmark Blue Cross Blue Shield | $99/mo | $109/mo | $128/mo | $155/mo |
| Blue Cross of Northeastern Pennsylvania | $101/mo | $109/mo | $128/mo | $156/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 | $129/mo | $133/mo | $156/mo | $196/mo |
| Blue Cross of Northeastern Pennsylvania | $133/mo | $146/mo | $169/mo | $196/mo |
| Highmark Blue Cross Blue Shield | $133/mo | $146/mo | $169/mo | $196/mo |
| Highmark Blue Shield | $133/mo | $145/mo | $168/mo | $195/mo |
| Humana Insurance Company | $145/mo | $154/mo | $182/mo | $222/mo |
| First Health Life & Health Insurance Company | $151/mo | $177/mo | $204/mo | $229/mo |
| Bankers Fidelity Assurance Company | $154/mo | $168/mo | $199/mo | $232/mo |
| Capital BlueCross | $156/mo | $191/mo | $235/mo | $271/mo |
| Woodmen Of The World Life Insurance Society | $157/mo | $160/mo | $191/mo | $240/mo |
| Wisconsin Physicians Service Insurance Corporation | $158/mo | $190/mo | $224/mo | $258/mo |
| AFLAC | $163/mo | $172/mo | $213/mo | $268/mo |
| State Farm Mutual Automobile Insurance Company | $164/mo | $201/mo | $237/mo | $269/mo |
| Everence Association Inc. | $175/mo | $190/mo | $202/mo | $216/mo |
| Erie Family Life Insurance Company | $183/mo | $195/mo | $229/mo | $266/mo |
| Aetna Health Insurance Company | $185/mo | $196/mo | $231/mo | $272/mo |
| AARP - UnitedHealthcare Insurance Company | $186/mo | $204/mo | $250/mo | $296/mo |
| United American Insurance Company | $186/mo | $249/mo | $290/mo | $316/mo |
| Guarantee Trust Life Insurance Company | $228/mo | $237/mo | $282/mo | $353/mo |
| GPM Health and Life Insurance Company | $244/mo | $269/mo | $322/mo | $372/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring Insurance Company Lowest | $145/mo | $149/mo | $175/mo | $219/mo |
| Blue Cross of Northeastern Pennsylvania | $147/mo | $160/mo | $186/mo | $215/mo |
| Highmark Blue Cross Blue Shield | $147/mo | $160/mo | $186/mo | $215/mo |
| Highmark Blue Shield | $147/mo | $160/mo | $186/mo | $215/mo |
| Humana Insurance Company | $164/mo | $174/mo | $206/mo | $251/mo |
| First Health Life & Health Insurance Company | $163/mo | $192/mo | $221/mo | $247/mo |
| Bankers Fidelity Assurance Company | $173/mo | $189/mo | $223/mo | $259/mo |
| Capital BlueCross | $179/mo | $219/mo | $270/mo | $312/mo |
| Woodmen Of The World Life Insurance Society | $181/mo | $183/mo | $220/mo | $276/mo |
| Wisconsin Physicians Service Insurance Corporation | $174/mo | $209/mo | $247/mo | $284/mo |
| AFLAC | $186/mo | $198/mo | $244/mo | $307/mo |
| State Farm Mutual Automobile Insurance Company | $168/mo | $222/mo | $268/mo | $309/mo |
| Everence Association Inc. | $193/mo | $209/mo | $222/mo | $238/mo |
| Erie Family Life Insurance Company | $211/mo | $224/mo | $263/mo | $305/mo |
| Aetna Health Insurance Company | $213/mo | $226/mo | $265/mo | $313/mo |
| AARP - UnitedHealthcare Insurance Company | $210/mo | $230/mo | $283/mo | $335/mo |
| United American Insurance Company | $214/mo | $286/mo | $333/mo | $363/mo |
| Guarantee Trust Life Insurance Company | $255/mo | $266/mo | $316/mo | $395/mo |
| GPM Health and Life Insurance Company | $281/mo | $310/mo | $371/mo | $428/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 | $29/mo | $39/mo | $50/mo | $61/mo |
| Bankers Fidelity Assurance Company | $35/mo | $38/mo | $45/mo | $53/mo |
| HealthSpring Insurance Company | $38/mo | $40/mo | $47/mo | $58/mo |
| Aetna Health Insurance Company | $41/mo | $43/mo | $51/mo | $60/mo |
| Humana Insurance Company | $43/mo | $48/mo | $56/mo | $66/mo |
| Blue Cross of Northeastern Pennsylvania | $55/mo | $61/mo | $70/mo | $81/mo |
| Highmark Blue Cross Blue Shield | $55/mo | $61/mo | $85/mo | $99/mo |
| Woodmen Of The World Life Insurance Society | $55/mo | $57/mo | $68/mo | $92/mo |
| Highmark Blue Shield | $59/mo | $65/mo | $75/mo | $87/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $33/mo | $45/mo | $58/mo | $70/mo |
| Bankers Fidelity Assurance Company | $40/mo | $42/mo | $50/mo | $60/mo |
| HealthSpring Insurance Company | $43/mo | $44/mo | $52/mo | $65/mo |
| Aetna Health Insurance Company | $47/mo | $50/mo | $59/mo | $69/mo |
| Humana Insurance Company | $49/mo | $54/mo | $63/mo | $74/mo |
| Blue Cross of Northeastern Pennsylvania | $61/mo | $67/mo | $78/mo | $90/mo |
| Highmark Blue Cross Blue Shield | $61/mo | $67/mo | $94/mo | $90/mo |
| Woodmen Of The World Life Insurance Society | $63/mo | $66/mo | $78/mo | $96/mo |
| Highmark Blue Shield | $66/mo | $72/mo | $83/mo | $96/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 | $113/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 | $93/mo | $101/mo | $108/mo | $117/mo |
| AARP - UnitedHealthcare Insurance Company | $119/mo | $130/mo | $160/mo | $190/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Everence Association Inc. Lowest | $102/mo | $111/mo | $119/mo | $129/mo |
| AARP - UnitedHealthcare Insurance Company | $134/mo | $147/mo | $181/mo | $214/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 | $86/mo | $97/mo | $115/mo | $137/mo |
| Humana Insurance Company | $98/mo | $110/mo | $135/mo | $162/mo |
| First Health Life & Health Insurance Company | $99/mo | $117/mo | $135/mo | $153/mo |
| AFLAC | $106/mo | $117/mo | $146/mo | $188/mo |
| Blue Cross of Northeastern Pennsylvania | $114/mo | $123/mo | $144/mo | $177/mo |
| Highmark Blue Cross Blue Shield | $114/mo | $123/mo | $144/mo | $177/mo |
| Highmark Blue Shield | $114/mo | $137/mo | $161/mo | $183/mo |
| Woodmen Of The World Life Insurance Society | $114/mo | $116/mo | $141/mo | $174/mo |
| Capital BlueCross | $116/mo | $146/mo | $184/mo | $217/mo |
| Bankers Fidelity Assurance Company | $117/mo | $132/mo | $156/mo | $182/mo |
| Everence Association Inc. | $119/mo | $143/mo | $162/mo | $177/mo |
| Aetna Health Insurance Company | $123/mo | $138/mo | $163/mo | $192/mo |
| State Farm Mutual Automobile Insurance Company | $124/mo | $152/mo | $181/mo | $209/mo |
| GPM Health and Life Insurance Company | $134/mo | $148/mo | $178/mo | $205/mo |
| Erie Family Life Insurance Company | $135/mo | $142/mo | $169/mo | $197/mo |
| Wisconsin Physicians Service Insurance Corporation | $144/mo | $173/mo | $205/mo | $236/mo |
| AARP - UnitedHealthcare Insurance Company | $158/mo | $174/mo | $213/mo | $253/mo |
| United American Insurance Company | $175/mo | $232/mo | $271/mo | $299/mo |
| Guarantee Trust Life Insurance Company | $177/mo | $184/mo | $219/mo | $274/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring Insurance Company Lowest | $96/mo | $108/mo | $129/mo | $154/mo |
| Humana Insurance Company | $110/mo | $124/mo | $152/mo | $184/mo |
| First Health Life & Health Insurance Company | $106/mo | $126/mo | $145/mo | $164/mo |
| AFLAC | $121/mo | $134/mo | $167/mo | $215/mo |
| Blue Cross of Northeastern Pennsylvania | $114/mo | $123/mo | $144/mo | $177/mo |
| Highmark Blue Cross Blue Shield | $114/mo | $123/mo | $144/mo | $177/mo |
| Highmark Blue Shield | $114/mo | $137/mo | $161/mo | $183/mo |
| Woodmen Of The World Life Insurance Society | $131/mo | $134/mo | $162/mo | $200/mo |
| Capital BlueCross | $133/mo | $167/mo | $211/mo | $249/mo |
| Bankers Fidelity Assurance Company | $131/mo | $147/mo | $175/mo | $204/mo |
| Everence Association Inc. | $131/mo | $157/mo | $178/mo | $195/mo |
| Aetna Health Insurance Company | $142/mo | $159/mo | $188/mo | $221/mo |
| State Farm Mutual Automobile Insurance Company | $130/mo | $170/mo | $206/mo | $240/mo |
| GPM Health and Life Insurance Company | $154/mo | $171/mo | $204/mo | $236/mo |
| Erie Family Life Insurance Company | $155/mo | $163/mo | $194/mo | $227/mo |
| Wisconsin Physicians Service Insurance Corporation | $158/mo | $190/mo | $225/mo | $259/mo |
| AARP - UnitedHealthcare Insurance Company | $179/mo | $196/mo | $241/mo | $285/mo |
| United American Insurance Company | $201/mo | $267/mo | $312/mo | $344/mo |
| Guarantee Trust Life Insurance Company | $199/mo | $207/mo | $246/mo | $307/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross of Northeastern Pennsylvania | $99/mo | $115/mo | $136/mo | $155/mo |
| State Farm Mutual Automobile Insurance Company | $108/mo | $136/mo | $158/mo | $177/mo |
| United American Insurance Company | $123/mo | $155/mo | $167/mo | $167/mo |
| Capital BlueCross | $125/mo | $151/mo | $181/mo | $195/mo |
| First Health Life & Health Insurance Company | $127/mo | $145/mo | $161/mo | $171/mo |
| Wisconsin Physicians Service Insurance Corporation | $143/mo | $172/mo | $203/mo | $234/mo |
| Everence Association Inc. | $150/mo | $162/mo | $170/mo | $180/mo |
| Highmark Blue Cross Blue Shield | $153/mo | $184/mo | $214/mo | $242/mo |
| Humana Insurance Company | $160/mo | $174/mo | $205/mo | $244/mo |
| Woodmen Of The World Life Insurance Society | $174/mo | $177/mo | $212/mo | $266/mo |
| AFLAC | $183/mo | $194/mo | $239/mo | $302/mo |
| Bankers Fidelity Assurance Company | $183/mo | $205/mo | $237/mo | $264/mo |
| HealthSpring Insurance Company | $185/mo | $191/mo | $224/mo | $281/mo |
| Aetna Health Insurance Company | $186/mo | $198/mo | $232/mo | $274/mo |
| Highmark Blue Shield | $188/mo | $210/mo | $242/mo | $276/mo |
| Erie Family Life Insurance Company | $201/mo | $209/mo | $245/mo | $280/mo |
| AARP - UnitedHealthcare Insurance Company | $205/mo | $211/mo | $221/mo | $231/mo |
| Guarantee Trust Life Insurance Company | $235/mo | $245/mo | $276/mo | $318/mo |
| GPM Health and Life Insurance Company | $257/mo | $283/mo | $339/mo | $391/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross of Northeastern Pennsylvania | $99/mo | $115/mo | $136/mo | $155/mo |
| State Farm Mutual Automobile Insurance Company | $117/mo | $147/mo | $171/mo | $192/mo |
| United American Insurance Company | $142/mo | $178/mo | $192/mo | $192/mo |
| Capital BlueCross | $125/mo | $151/mo | $181/mo | $195/mo |
| First Health Life & Health Insurance Company | $138/mo | $158/mo | $176/mo | $186/mo |
| Wisconsin Physicians Service Insurance Corporation | $157/mo | $189/mo | $224/mo | $258/mo |
| Everence Association Inc. | $165/mo | $178/mo | $187/mo | $198/mo |
| Highmark Blue Cross Blue Shield | $153/mo | $184/mo | $214/mo | $242/mo |
| Humana Insurance Company | $181/mo | $196/mo | $231/mo | $276/mo |
| Woodmen Of The World Life Insurance Society | $200/mo | $203/mo | $244/mo | $306/mo |
| AFLAC | $210/mo | $222/mo | $274/mo | $346/mo |
| Bankers Fidelity Assurance Company | $205/mo | $230/mo | $265/mo | $296/mo |
| HealthSpring Insurance Company | $207/mo | $214/mo | $251/mo | $314/mo |
| Aetna Health Insurance Company | $214/mo | $227/mo | $267/mo | $314/mo |
| Highmark Blue Shield | $199/mo | $223/mo | $256/mo | $293/mo |
| Erie Family Life Insurance Company | $232/mo | $240/mo | $282/mo | $323/mo |
| AARP - UnitedHealthcare Insurance Company | $231/mo | $238/mo | $250/mo | $261/mo |
| Guarantee Trust Life Insurance Company | $264/mo | $274/mo | $311/mo | $361/mo |
| GPM Health and Life Insurance Company | $295/mo | $326/mo | $390/mo | $450/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 |
|---|---|---|---|---|
| Blue Cross of Northeastern Pennsylvania | $135/mo | $158/mo | $188/mo | $217/mo |
| Capital BlueCross | $136/mo | $168/mo | $204/mo | $228/mo |
| First Health Life & Health Insurance Company | $145/mo | $169/mo | $193/mo | $212/mo |
| Everence Association Inc. | $155/mo | $169/mo | $179/mo | $193/mo |
| State Farm Mutual Automobile Insurance Company | $160/mo | $201/mo | $233/mo | $262/mo |
| Humana Insurance Company | $162/mo | $176/mo | $207/mo | $247/mo |
| Wisconsin Physicians Service Insurance Corporation | $167/mo | $201/mo | $237/mo | $273/mo |
| Woodmen Of The World Life Insurance Society | $175/mo | $178/mo | $213/mo | $267/mo |
| AFLAC | $183/mo | $195/mo | $240/mo | $302/mo |
| HealthSpring Insurance Company | $185/mo | $191/mo | $224/mo | $281/mo |
| Bankers Fidelity Assurance Company | $188/mo | $205/mo | $243/mo | $282/mo |
| United American Insurance Company | $190/mo | $254/mo | $289/mo | $307/mo |
| Highmark Blue Cross Blue Shield | $194/mo | $230/mo | $269/mo | $305/mo |
| Erie Family Life Insurance Company | $204/mo | $215/mo | $252/mo | $292/mo |
| Aetna Health Insurance Company | $207/mo | $220/mo | $258/mo | $304/mo |
| Highmark Blue Shield | $213/mo | $240/mo | $277/mo | $316/mo |
| Guarantee Trust Life Insurance Company | $243/mo | $252/mo | $300/mo | $375/mo |
| GPM Health and Life Insurance Company | $262/mo | $289/mo | $346/mo | $399/mo |
| AARP - UnitedHealthcare Insurance Company | $315/mo | $324/mo | $341/mo | $356/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross of Northeastern Pennsylvania | $135/mo | $158/mo | $188/mo | $217/mo |
| Capital BlueCross | $136/mo | $168/mo | $204/mo | $228/mo |
| First Health Life & Health Insurance Company | $158/mo | $184/mo | $210/mo | $231/mo |
| Everence Association Inc. | $171/mo | $186/mo | $197/mo | $212/mo |
| State Farm Mutual Automobile Insurance Company | $173/mo | $218/mo | $253/mo | $284/mo |
| Humana Insurance Company | $183/mo | $198/mo | $234/mo | $279/mo |
| Wisconsin Physicians Service Insurance Corporation | $184/mo | $221/mo | $261/mo | $301/mo |
| Woodmen Of The World Life Insurance Society | $201/mo | $204/mo | $245/mo | $308/mo |
| AFLAC | $210/mo | $223/mo | $275/mo | $346/mo |
| HealthSpring Insurance Company | $208/mo | $214/mo | $251/mo | $315/mo |
| Bankers Fidelity Assurance Company | $211/mo | $230/mo | $272/mo | $316/mo |
| United American Insurance Company | $218/mo | $292/mo | $333/mo | $353/mo |
| Highmark Blue Cross Blue Shield | $194/mo | $230/mo | $269/mo | $305/mo |
| Erie Family Life Insurance Company | $235/mo | $247/mo | $290/mo | $336/mo |
| Aetna Health Insurance Company | $238/mo | $253/mo | $297/mo | $350/mo |
| Highmark Blue Shield | $225/mo | $253/mo | $293/mo | $334/mo |
| Guarantee Trust Life Insurance Company | $272/mo | $283/mo | $336/mo | $420/mo |
| GPM Health and Life Insurance Company | $301/mo | $332/mo | $397/mo | $458/mo |
| AARP - UnitedHealthcare Insurance Company | $355/mo | $366/mo | $384/mo | $401/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 |
|---|---|---|---|---|
| Blue Cross of Northeastern Pennsylvania | $192/mo | $226/mo | $271/mo | $315/mo |
| Wisconsin Physicians Service Insurance Corporation | $199/mo | $239/mo | $283/mo | $326/mo |
| Capital BlueCross | $204/mo | $251/mo | $309/mo | $357/mo |
| State Farm Mutual Automobile Insurance Company | $235/mo | $296/mo | $343/mo | $386/mo |
| Highmark Blue Shield | $248/mo | $297/mo | $347/mo | $394/mo |
| Highmark Blue Cross Blue Shield | $274/mo | $328/mo | $386/mo | $441/mo |
| United American Insurance Company | $286/mo | $371/mo | $427/mo | $463/mo |
| GPM Health and Life Insurance Company | $360/mo | $398/mo | $476/mo | $549/mo |
| AARP - UnitedHealthcare Insurance Company | $416/mo | $428/mo | $449/mo | $469/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross of Northeastern Pennsylvania | $192/mo | $226/mo | $271/mo | $315/mo |
| Wisconsin Physicians Service Insurance Corporation | $219/mo | $263/mo | $311/mo | $359/mo |
| Capital BlueCross | $204/mo | $251/mo | $309/mo | $357/mo |
| State Farm Mutual Automobile Insurance Company | $255/mo | $321/mo | $372/mo | $418/mo |
| Highmark Blue Shield | $248/mo | $297/mo | $347/mo | $394/mo |
| Highmark Blue Cross Blue Shield | $274/mo | $328/mo | $386/mo | $441/mo |
| United American Insurance Company | $329/mo | $427/mo | $491/mo | $532/mo |
| GPM Health and Life Insurance Company | $414/mo | $458/mo | $548/mo | $632/mo |
| AARP - UnitedHealthcare Insurance Company | $469/mo | $482/mo | $507/mo | $529/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 |
|---|---|---|---|---|
| Blue Cross of Northeastern Pennsylvania | $128/mo | $140/mo | $163/mo | $188/mo |
| Capital BlueCross | $156/mo | $192/mo | $235/mo | $272/mo |
| State Farm Mutual Automobile Insurance Company | $170/mo | $209/mo | $246/mo | $280/mo |
| Highmark Blue Shield | $177/mo | $192/mo | $220/mo | $253/mo |
| United American Insurance Company | $193/mo | $258/mo | $301/mo | $328/mo |
| Highmark Blue Cross Blue Shield | $195/mo | $211/mo | $242/mo | $278/mo |
| GPM Health and Life Insurance Company | $268/mo | $295/mo | $353/mo | $408/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross of Northeastern Pennsylvania | $141/mo | $154/mo | $179/mo | $207/mo |
| Capital BlueCross | $179/mo | $221/mo | $270/mo | $313/mo |
| State Farm Mutual Automobile Insurance Company | $174/mo | $230/mo | $278/mo | $321/mo |
| Highmark Blue Shield | $194/mo | $211/mo | $241/mo | $277/mo |
| United American Insurance Company | $223/mo | $297/mo | $346/mo | $377/mo |
| Highmark Blue Cross Blue Shield | $213/mo | $231/mo | $265/mo | $305/mo |
| GPM Health and Life Insurance Company | $308/mo | $340/mo | $406/mo | $469/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 | $170/mo | $200/mo | $229/mo | $255/mo |
| Wisconsin Physicians Service Insurance Corporation | $200/mo | $240/mo | $284/mo | $327/mo |
| Humana Insurance Company | $203/mo | $220/mo | $259/mo | $309/mo |
| Capital BlueCross | $207/mo | $253/mo | $312/mo | $360/mo |
| Woodmen Of The World Life Insurance Society | $218/mo | $218/mo | $257/mo | $311/mo |
| AFLAC | $221/mo | $235/mo | $282/mo | $349/mo |
| Blue Cross of Northeastern Pennsylvania | $230/mo | $255/mo | $301/mo | $365/mo |
| Everence Association Inc. | $238/mo | $258/mo | $273/mo | $296/mo |
| State Farm Mutual Automobile Insurance Company | $238/mo | $299/mo | $347/mo | $390/mo |
| HealthSpring Insurance Company | $241/mo | $247/mo | $284/mo | $346/mo |
| Highmark Blue Shield | $248/mo | $297/mo | $348/mo | $395/mo |
| United American Insurance Company | $248/mo | $322/mo | $370/mo | $401/mo |
| Erie Family Life Insurance Company | $255/mo | $269/mo | $310/mo | $364/mo |
| Aetna Health Insurance Company | $266/mo | $283/mo | $332/mo | $391/mo |
| Highmark Blue Cross Blue Shield | $280/mo | $334/mo | $392/mo | $451/mo |
| Bankers Fidelity Assurance Company | $290/mo | $324/mo | $377/mo | $434/mo |
| Guarantee Trust Life Insurance Company | $299/mo | $310/mo | $369/mo | $461/mo |
| GPM Health and Life Insurance Company | $363/mo | $401/mo | $480/mo | $554/mo |
| AARP - UnitedHealthcare Insurance Company | $429/mo | $441/mo | $464/mo | $484/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $184/mo | $217/mo | $248/mo | $276/mo |
| Wisconsin Physicians Service Insurance Corporation | $220/mo | $264/mo | $312/mo | $360/mo |
| Humana Insurance Company | $230/mo | $249/mo | $293/mo | $350/mo |
| Capital BlueCross | $207/mo | $253/mo | $312/mo | $360/mo |
| Woodmen Of The World Life Insurance Society | $250/mo | $250/mo | $296/mo | $358/mo |
| AFLAC | $253/mo | $270/mo | $323/mo | $400/mo |
| Blue Cross of Northeastern Pennsylvania | $230/mo | $255/mo | $301/mo | $365/mo |
| Everence Association Inc. | $261/mo | $283/mo | $301/mo | $325/mo |
| State Farm Mutual Automobile Insurance Company | $258/mo | $324/mo | $376/mo | $422/mo |
| HealthSpring Insurance Company | $270/mo | $277/mo | $318/mo | $388/mo |
| Highmark Blue Shield | $248/mo | $297/mo | $348/mo | $395/mo |
| United American Insurance Company | $285/mo | $370/mo | $425/mo | $461/mo |
| Erie Family Life Insurance Company | $293/mo | $309/mo | $357/mo | $418/mo |
| Aetna Health Insurance Company | $306/mo | $325/mo | $382/mo | $450/mo |
| Highmark Blue Cross Blue Shield | $280/mo | $334/mo | $392/mo | $451/mo |
| Bankers Fidelity Assurance Company | $324/mo | $363/mo | $423/mo | $487/mo |
| Guarantee Trust Life Insurance Company | $334/mo | $348/mo | $413/mo | $517/mo |
| GPM Health and Life Insurance Company | $417/mo | $461/mo | $552/mo | $637/mo |
| AARP - UnitedHealthcare Insurance Company | $484/mo | $498/mo | $523/mo | $546/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 | $32/mo | $43/mo | $54/mo | $66/mo |
| Blue Cross of Northeastern Pennsylvania | $101/mo | $109/mo | $128/mo | $156/mo |
| Highmark Blue Shield | $117/mo | $135/mo | $154/mo | $172/mo |
| Highmark Blue Cross Blue Shield | $135/mo | $156/mo | $179/mo | $207/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $36/mo | $49/mo | $63/mo | $76/mo |
| Blue Cross of Northeastern Pennsylvania | $101/mo | $109/mo | $128/mo | $156/mo |
| Highmark Blue Shield | $117/mo | $135/mo | $154/mo | $172/mo |
| Highmark Blue Cross Blue Shield | $135/mo | $156/mo | $179/mo | $207/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 |
|---|---|---|---|---|
| Blue Cross of Northeastern Pennsylvania | $133/mo | $146/mo | $169/mo | $196/mo |
| Capital BlueCross | $156/mo | $191/mo | $235/mo | $271/mo |
| First Health Life & Health Insurance Company | $166/mo | $195/mo | $225/mo | $252/mo |
| Humana Insurance Company | $171/mo | $186/mo | $219/mo | $261/mo |
| State Farm Mutual Automobile Insurance Company | $171/mo | $209/mo | $246/mo | $280/mo |
| Woodmen Of The World Life Insurance Society | $176/mo | $178/mo | $214/mo | $269/mo |
| Wisconsin Physicians Service Insurance Corporation | $180/mo | $217/mo | $256/mo | $295/mo |
| AFLAC | $184/mo | $195/mo | $241/mo | $303/mo |
| Bankers Fidelity Assurance Company | $188/mo | $206/mo | $243/mo | $283/mo |
| HealthSpring Insurance Company | $199/mo | $205/mo | $241/mo | $302/mo |
| Everence Association Inc. | $201/mo | $218/mo | $232/mo | $248/mo |
| United American Insurance Company | $201/mo | $269/mo | $313/mo | $341/mo |
| Highmark Blue Cross Blue Shield | $202/mo | $219/mo | $251/mo | $289/mo |
| Erie Family Life Insurance Company | $204/mo | $217/mo | $255/mo | $296/mo |
| Aetna Health Insurance Company | $207/mo | $220/mo | $258/mo | $305/mo |
| Highmark Blue Shield | $225/mo | $244/mo | $280/mo | $322/mo |
| Guarantee Trust Life Insurance Company | $261/mo | $271/mo | $322/mo | $403/mo |
| GPM Health and Life Insurance Company | $270/mo | $298/mo | $356/mo | $411/mo |
| AARP - UnitedHealthcare Insurance Company | $409/mo | $419/mo | $415/mo | $432/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross of Northeastern Pennsylvania | $147/mo | $160/mo | $186/mo | $215/mo |
| Capital BlueCross | $179/mo | $219/mo | $270/mo | $312/mo |
| First Health Life & Health Insurance Company | $179/mo | $211/mo | $243/mo | $272/mo |
| Humana Insurance Company | $194/mo | $210/mo | $247/mo | $295/mo |
| State Farm Mutual Automobile Insurance Company | $175/mo | $231/mo | $278/mo | $322/mo |
| Woodmen Of The World Life Insurance Society | $202/mo | $205/mo | $246/mo | $309/mo |
| Wisconsin Physicians Service Insurance Corporation | $198/mo | $238/mo | $281/mo | $324/mo |
| AFLAC | $211/mo | $224/mo | $276/mo | $347/mo |
| Bankers Fidelity Assurance Company | $211/mo | $230/mo | $272/mo | $316/mo |
| HealthSpring Insurance Company | $223/mo | $229/mo | $270/mo | $338/mo |
| Everence Association Inc. | $221/mo | $239/mo | $255/mo | $273/mo |
| United American Insurance Company | $231/mo | $309/mo | $359/mo | $392/mo |
| Highmark Blue Cross Blue Shield | $221/mo | $240/mo | $276/mo | $317/mo |
| Erie Family Life Insurance Company | $235/mo | $250/mo | $294/mo | $341/mo |
| Aetna Health Insurance Company | $238/mo | $253/mo | $297/mo | $350/mo |
| Highmark Blue Shield | $246/mo | $268/mo | $308/mo | $354/mo |
| Guarantee Trust Life Insurance Company | $292/mo | $304/mo | $361/mo | $452/mo |
| GPM Health and Life Insurance Company | $310/mo | $342/mo | $410/mo | $473/mo |
| AARP - UnitedHealthcare Insurance Company | $462/mo | $473/mo | $469/mo | $487/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 | $32/mo | $43/mo | $54/mo | $66/mo |
| Bankers Fidelity Assurance Company | $43/mo | $46/mo | $55/mo | $65/mo |
| Aetna Health Insurance Company | $46/mo | $49/mo | $57/mo | $67/mo |
| Blue Cross of Northeastern Pennsylvania | $55/mo | $61/mo | $70/mo | $81/mo |
| HealthSpring Insurance Company | $59/mo | $61/mo | $72/mo | $90/mo |
| Humana Insurance Company | $59/mo | $64/mo | $76/mo | $88/mo |
| Woodmen Of The World Life Insurance Society | $62/mo | $64/mo | $76/mo | $98/mo |
| Highmark Blue Shield | $92/mo | $99/mo | $112/mo | $127/mo |
| Highmark Blue Cross Blue Shield | $98/mo | $105/mo | $126/mo | $143/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $36/mo | $49/mo | $63/mo | $76/mo |
| Bankers Fidelity Assurance Company | $49/mo | $52/mo | $61/mo | $73/mo |
| Aetna Health Insurance Company | $53/mo | $56/mo | $66/mo | $78/mo |
| Blue Cross of Northeastern Pennsylvania | $61/mo | $67/mo | $78/mo | $90/mo |
| HealthSpring Insurance Company | $66/mo | $68/mo | $80/mo | $100/mo |
| Humana Insurance Company | $67/mo | $72/mo | $83/mo | $102/mo |
| Woodmen Of The World Life Insurance Society | $71/mo | $73/mo | $88/mo | $101/mo |
| Highmark Blue Shield | $100/mo | $107/mo | $122/mo | $138/mo |
| Highmark Blue Cross Blue Shield | $106/mo | $119/mo | $137/mo | $152/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 | $131/mo | $135/mo | $141/mo | $148/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company | $148/mo | $152/mo | $160/mo | $167/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. | $98/mo | $116/mo | $124/mo | $135/mo |
| AARP - UnitedHealthcare Insurance Company | $220/mo | $227/mo | $238/mo | $249/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Everence Association Inc. | $117/mo | $128/mo | $136/mo | $148/mo |
| AARP - UnitedHealthcare Insurance Company | $249/mo | $256/mo | $269/mo | $281/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 | $104/mo | $129/mo | $149/mo | $168/mo |
| Blue Cross of Northeastern Pennsylvania | $114/mo | $123/mo | $144/mo | $177/mo |
| Capital BlueCross | $116/mo | $146/mo | $184/mo | $217/mo |
| AFLAC | $119/mo | $133/mo | $165/mo | $213/mo |
| Humana Insurance Company | $120/mo | $136/mo | $163/mo | $193/mo |
| Woodmen Of The World Life Insurance Society | $127/mo | $130/mo | $158/mo | $195/mo |
| State Farm Mutual Automobile Insurance Company | $129/mo | $158/mo | $188/mo | $217/mo |
| HealthSpring Insurance Company | $132/mo | $149/mo | $177/mo | $211/mo |
| Everence Association Inc. | $137/mo | $164/mo | $186/mo | $203/mo |
| Aetna Health Insurance Company | $138/mo | $155/mo | $183/mo | $215/mo |
| Bankers Fidelity Assurance Company | $142/mo | $161/mo | $190/mo | $222/mo |
| GPM Health and Life Insurance Company | $148/mo | $164/mo | $196/mo | $226/mo |
| Erie Family Life Insurance Company | $151/mo | $158/mo | $189/mo | $220/mo |
| Highmark Blue Cross Blue Shield | $157/mo | $178/mo | $206/mo | $240/mo |
| Wisconsin Physicians Service Insurance Corporation | $164/mo | $198/mo | $233/mo | $269/mo |
| Highmark Blue Shield | $173/mo | $195/mo | $224/mo | $255/mo |
| United American Insurance Company | $189/mo | $251/mo | $293/mo | $323/mo |
| Guarantee Trust Life Insurance Company | $203/mo | $211/mo | $251/mo | $313/mo |
| AARP - UnitedHealthcare Insurance Company | $350/mo | $358/mo | $355/mo | $369/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $117/mo | $138/mo | $160/mo | $180/mo |
| Blue Cross of Northeastern Pennsylvania | $114/mo | $123/mo | $144/mo | $177/mo |
| Capital BlueCross | $133/mo | $167/mo | $211/mo | $249/mo |
| AFLAC | $137/mo | $152/mo | $189/mo | $243/mo |
| Humana Insurance Company | $138/mo | $153/mo | $184/mo | $219/mo |
| Woodmen Of The World Life Insurance Society | $146/mo | $149/mo | $181/mo | $224/mo |
| State Farm Mutual Automobile Insurance Company | $135/mo | $177/mo | $215/mo | $250/mo |
| HealthSpring Insurance Company | $148/mo | $167/mo | $198/mo | $237/mo |
| Everence Association Inc. | $151/mo | $181/mo | $205/mo | $224/mo |
| Aetna Health Insurance Company | $159/mo | $178/mo | $210/mo | $247/mo |
| Bankers Fidelity Assurance Company | $159/mo | $180/mo | $213/mo | $249/mo |
| GPM Health and Life Insurance Company | $171/mo | $189/mo | $226/mo | $260/mo |
| Erie Family Life Insurance Company | $173/mo | $182/mo | $217/mo | $253/mo |
| Highmark Blue Cross Blue Shield | $157/mo | $178/mo | $206/mo | $240/mo |
| Wisconsin Physicians Service Insurance Corporation | $181/mo | $217/mo | $257/mo | $296/mo |
| Highmark Blue Shield | $183/mo | $205/mo | $236/mo | $269/mo |
| United American Insurance Company | $217/mo | $288/mo | $337/mo | $371/mo |
| Guarantee Trust Life Insurance Company | $227/mo | $236/mo | $281/mo | $351/mo |
| AARP - UnitedHealthcare Insurance Company | $394/mo | $404/mo | $400/mo | $416/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 Pennsylvania 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 |
|---|---|---|
| Highmark Blue Cross Blue Shield | Preferred | $99 – $118/mo |
| Whole Health Balance / Preferred | $133 – $178/mo | |
| Standard | $141 – $173/mo | |
| Whole Health Balance / Standard | $176 – $207/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $110 – $125/mo |
| Level 2 | $274 – $310/mo | |
| Highmark Blue Shield | Preferred | $118 – $169/mo |
| Standard | $141 – $254/mo | |
| Whole Health Balance / Preferred | $152 – $204/mo | |
| Whole Health Balance / Standard | $176 – $288/mo | |
| HealthSpring Insurance Company | w / 20% HHD | $120 – $139/mo |
| w / 6% HHD | $141 – $164/mo | |
| Standard II w / 20% HHD | $180 – $209/mo | |
| Standard II w / 6% HHD | $212 – $245/mo | |
| Standard II | $225 – $261/mo | |
| Bankers Fidelity Assurance Company | Preferred | $150 – $191/mo |
| Standard | $172 – $219/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Highmark Blue Cross Blue Shield | Preferred | $99 – $118/mo |
| Whole Health Balance / Preferred | $133 – $178/mo | |
| Standard | $141 – $173/mo | |
| Whole Health Balance / Standard | $176 – $207/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $124 – $141/mo |
| Level 2 | $309 – $350/mo | |
| Highmark Blue Shield | Preferred | $118 – $187/mo |
| Standard | $141 – $281/mo | |
| Whole Health Balance / Preferred | $152 – $222/mo | |
| Whole Health Balance / Standard | $176 – $315/mo | |
| HealthSpring Insurance Company | w / 20% HHD | $135 – $156/mo |
| w / 6% HHD | $158 – $183/mo | |
| Standard II w / 20% HHD | $202 – $234/mo | |
| Standard II w / 6% HHD | $237 – $275/mo | |
| Standard II | $252 – $292/mo | |
| Bankers Fidelity Assurance Company | Preferred | $168 – $214/mo |
| Standard | $193 – $246/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 Pennsylvania carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $120 – $139/mo |
| w / 6% HHD | $141 – $164/mo | |
| Standard II w / 20% HHD | $180 – $209/mo | |
| Standard II w / 6% HHD | $212 – $246/mo | |
| Standard II | $226 – $261/mo | |
| Highmark Blue Cross Blue Shield | Preferred | $135 – $180/mo |
| Whole Health Balance / Preferred | $169 – $214/mo | |
| Standard | $176 – $215/mo | |
| Whole Health Balance / Standard | $210 – $250/mo | |
| Highmark Blue Shield | Preferred | $141 – $189/mo |
| Standard | $169 – $284/mo | |
| Whole Health Balance / Preferred | $175 – $224/mo | |
| Whole Health Balance / Standard | $204 – $318/mo | |
| Bankers Fidelity Assurance Company | Preferred | $154 – $196/mo |
| Standard | $177 – $225/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $170 – $193/mo |
| Level 2 | $421 – $477/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $135 – $156/mo |
| w / 6% HHD | $158 – $183/mo | |
| Standard II w / 20% HHD | $202 – $234/mo | |
| Standard II w / 6% HHD | $237 – $275/mo | |
| Standard II | $253 – $293/mo | |
| Highmark Blue Cross Blue Shield | Preferred | $135 – $180/mo |
| Whole Health Balance / Preferred | $169 – $214/mo | |
| Standard | $176 – $215/mo | |
| Whole Health Balance / Standard | $210 – $250/mo | |
| Highmark Blue Shield | Preferred | $141 – $209/mo |
| Standard | $169 – $314/mo | |
| Whole Health Balance / Preferred | $175 – $244/mo | |
| Whole Health Balance / Standard | $204 – $348/mo | |
| Bankers Fidelity Assurance Company | Preferred | $173 – $219/mo |
| Standard | $198 – $252/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $192 – $217/mo |
| Level 2 | $475 – $538/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 Pennsylvania 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 |
|---|---|---|
| Highmark Blue Cross Blue Shield | Preferred | $192 – $263/mo |
| Whole Health Balance / Preferred | $226 – $297/mo | |
| Standard | $257 – $316/mo | |
| Whole Health Balance / Standard | $291 – $350/mo | |
| Highmark Blue Shield | Preferred | $210/mo |
| Whole Health Balance / Preferred | $244/mo | |
| Standard | $252/mo | |
| Whole Health Balance / Standard | $286/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $224 – $255/mo |
| Level 2 | $555 – $629/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Highmark Blue Cross Blue Shield | Preferred | $192 – $263/mo |
| Whole Health Balance / Preferred | $226 – $297/mo | |
| Standard | $257 – $316/mo | |
| Whole Health Balance / Standard | $291 – $350/mo | |
| Highmark Blue Shield | Preferred | $210/mo |
| Whole Health Balance / Preferred | $244/mo | |
| Standard | $252/mo | |
| Whole Health Balance / Standard | $286/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $253 – $287/mo |
| Level 2 | $626 – $709/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 D 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 Pennsylvania 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 |
|---|---|---|
| Highmark Blue Cross Blue Shield | Preferred | $128 – $156/mo |
| Whole Health Balance / Preferred | $163 – $190/mo | |
| Standard | $192 – $233/mo | |
| Whole Health Balance / Standard | $227 – $268/mo | |
| Highmark Blue Shield | Preferred | $128/mo |
| Whole Health Balance / Preferred | $163/mo | |
| Standard | $192/mo | |
| Whole Health Balance / Standard | $227/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Highmark Blue Cross Blue Shield | Preferred | $141 – $172/mo |
| Whole Health Balance / Preferred | $176 – $207/mo | |
| Standard | $212 – $258/mo | |
| Whole Health Balance / Standard | $246 – $293/mo | |
| Highmark Blue Shield | Preferred | $142/mo |
| Whole Health Balance / Preferred | $176/mo | |
| Standard | $212/mo | |
| Whole Health Balance / Standard | $247/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 Pennsylvania carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $157 – $181/mo |
| w / 6% HHD | $184 – $213/mo | |
| Standard II w / 20% HHD | $235 – $272/mo | |
| Standard II w / 6% HHD | $276 – $320/mo | |
| Standard II | $294 – $340/mo | |
| Highmark Blue Shield | Preferred | $210/mo |
| Whole Health Balance / Preferred | $245/mo | |
| Standard | $252/mo | |
| Whole Health Balance / Standard | $287/mo | |
| Highmark Blue Cross Blue Shield | Preferred | $215 – $263/mo |
| Whole Health Balance / Preferred | $249 – $298/mo | |
| Standard | $257 – $316/mo | |
| Whole Health Balance / Standard | $292 – $351/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $232 – $263/mo |
| Level 2 | $573 – $649/mo | |
| Bankers Fidelity Assurance Company | Preferred | $237 – $302/mo |
| Standard | $273 – $347/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $175 – $203/mo |
| w / 6% HHD | $206 – $239/mo | |
| Standard II w / 20% HHD | $263 – $305/mo | |
| Standard II w / 6% HHD | $309 – $358/mo | |
| Standard II | $329 – $381/mo | |
| Highmark Blue Shield | Preferred | $210/mo |
| Whole Health Balance / Preferred | $245/mo | |
| Standard | $252/mo | |
| Whole Health Balance / Standard | $287/mo | |
| Highmark Blue Cross Blue Shield | Preferred | $215 – $263/mo |
| Whole Health Balance / Preferred | $249 – $298/mo | |
| Standard | $257 – $316/mo | |
| Whole Health Balance / Standard | $292 – $351/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $262 – $296/mo |
| Level 2 | $646 – $732/mo | |
| Bankers Fidelity Assurance Company | Preferred | $266 – $338/mo |
| Standard | $305 – $388/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 Pennsylvania 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 |
|---|---|---|
| Highmark Blue Shield | Preferred | $91/mo |
| Standard | $109/mo | |
| Whole Health Balance / Preferred | $125/mo | |
| Whole Health Balance / Standard | $143/mo | |
| Highmark Blue Cross Blue Shield | Preferred | $99 – $101/mo |
| Standard | $118 – $144/mo | |
| Whole Health Balance / Preferred | $133 – $154/mo | |
| Whole Health Balance / Standard | $153 – $178/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Highmark Blue Shield | Preferred | $91/mo |
| Standard | $109/mo | |
| Whole Health Balance / Preferred | $125/mo | |
| Whole Health Balance / Standard | $143/mo | |
| Highmark Blue Cross Blue Shield | Preferred | $99 – $101/mo |
| Standard | $118 – $144/mo | |
| Whole Health Balance / Preferred | $133 – $154/mo | |
| Whole Health Balance / Standard | $153 – $178/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 Pennsylvania carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $129 – $150/mo |
| w / 6% HHD | $152 – $176/mo | |
| Standard II w / 20% HHD | $194 – $224/mo | |
| Standard II w / 6% HHD | $228 – $264/mo | |
| Standard II | $242 – $280/mo | |
| Highmark Blue Cross Blue Shield | Preferred | $133 – $163/mo |
| Whole Health Balance / Preferred | $168 – $197/mo | |
| Standard | $200 – $244/mo | |
| Whole Health Balance / Standard | $234 – $278/mo | |
| Highmark Blue Shield | Preferred | $133 – $199/mo |
| Whole Health Balance / Preferred | $167 – $234/mo | |
| Standard | $199 – $299/mo | |
| Whole Health Balance / Standard | $234 – $333/mo | |
| Bankers Fidelity Assurance Company | Preferred | $154 – $196/mo |
| Standard | $177 – $225/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $186 – $210/mo |
| Level 2 | $582 – $660/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $145 – $167/mo |
| w / 6% HHD | $170 – $197/mo | |
| Standard II w / 20% HHD | $217 – $251/mo | |
| Standard II w / 6% HHD | $255 – $295/mo | |
| Standard II | $271 – $314/mo | |
| Highmark Blue Cross Blue Shield | Preferred | $147 – $180/mo |
| Whole Health Balance / Preferred | $181 – $214/mo | |
| Standard | $220 – $270/mo | |
| Whole Health Balance / Standard | $254 – $304/mo | |
| Highmark Blue Shield | Preferred | $147 – $220/mo |
| Whole Health Balance / Preferred | $181 – $255/mo | |
| Standard | $220 – $330/mo | |
| Whole Health Balance / Standard | $255 – $365/mo | |
| Bankers Fidelity Assurance Company | Preferred | $173 – $219/mo |
| Standard | $199 – $252/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $210 – $238/mo |
| Level 2 | $657 – $744/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 Pennsylvania 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 | $35 – $45/mo |
| Standard | $41 – $52/mo | |
| HealthSpring Insurance Company | w / 20% HHD | $38 – $44/mo |
| w / 6% HHD | $45 – $52/mo | |
| Standard II w / 20% HHD | $58 – $67/mo | |
| Standard II w / 6% HHD | $68 – $78/mo | |
| Standard II | $72 – $83/mo | |
| Highmark Blue Cross Blue Shield | Preferred | $55 – $79/mo |
| Standard | $83 – $101/mo | |
| Whole Health Balance / Preferred | $90 – $102/mo | |
| Whole Health Balance / Standard | $118 – $154/mo | |
| Highmark Blue Shield | Preferred | $59 – $60/mo |
| Standard | $89 – $90/mo | |
| Whole Health Balance / Preferred | $94/mo | |
| Whole Health Balance / Standard | $124/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $40 – $51/mo |
| Standard | $46 – $58/mo | |
| HealthSpring Insurance Company | w / 20% HHD | $43 – $50/mo |
| w / 6% HHD | $51 – $59/mo | |
| Standard II w / 20% HHD | $65 – $75/mo | |
| Standard II w / 6% HHD | $76 – $88/mo | |
| Standard II | $81 – $93/mo | |
| Highmark Blue Cross Blue Shield | Preferred | $61 – $88/mo |
| Standard | $92 – $112/mo | |
| Whole Health Balance / Preferred | $96 – $109/mo | |
| Whole Health Balance / Standard | $126 – $166/mo | |
| Highmark Blue Shield | Preferred | $66/mo |
| Standard | $99/mo | |
| Whole Health Balance / Preferred | $100 – $101/mo | |
| Whole Health Balance / Standard | $133 – $134/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 Pennsylvania 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 – $80/mo |
| Level 2 | $175 – $199/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $79 – $90/mo |
| Level 2 | $198 – $225/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 Pennsylvania 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 | $119 – $134/mo |
| Level 2 | $295 – $334/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $134 – $152/mo |
| Level 2 | $332 – $376/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 Pennsylvania carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $86 – $99/mo |
| w / 6% HHD | $101 – $116/mo | |
| Standard II w / 20% HHD | $128 – $149/mo | |
| Standard II w / 6% HHD | $151 – $175/mo | |
| Standard II | $160 – $186/mo | |
| Highmark Blue Cross Blue Shield | Preferred | $114 – $140/mo |
| Standard | $137 – $168/mo | |
| Whole Health Balance / Preferred | $149 – $175/mo | |
| Whole Health Balance / Standard | $172 – $202/mo | |
| Highmark Blue Shield | Preferred | $114 – $149/mo |
| Standard | $137 – $224/mo | |
| Whole Health Balance / Preferred | $149 – $184/mo | |
| Whole Health Balance / Standard | $172 – $258/mo | |
| Bankers Fidelity Assurance Company | Preferred | $117 – $148/mo |
| Standard | $134 – $171/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $158 – $179/mo |
| Level 2 | $497 – $563/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $96 – $111/mo |
| w / 6% HHD | $113 – $130/mo | |
| Standard II w / 20% HHD | $144 – $167/mo | |
| Standard II w / 6% HHD | $169 – $196/mo | |
| Standard II | $180 – $208/mo | |
| Highmark Blue Cross Blue Shield | Preferred | $114 – $140/mo |
| Standard | $137 – $168/mo | |
| Whole Health Balance / Preferred | $149 – $175/mo | |
| Whole Health Balance / Standard | $172 – $202/mo | |
| Highmark Blue Shield | Preferred | $114 – $165/mo |
| Standard | $137 – $248/mo | |
| Whole Health Balance / Preferred | $149 – $200/mo | |
| Whole Health Balance / Standard | $172 – $282/mo | |
| Bankers Fidelity Assurance Company | Preferred | $131 – $166/mo |
| Standard | $150 – $191/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $179 – $203/mo |
| Level 2 | $561 – $635/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.
No, Pennsylvania does not have a birthday rule in place as of now. Your Initial Enrollment Period is the best time to choose a Medicare Supplement (Medigap) plan for your health needs and budget. Unless you have a qualifying life event for guaranteed issue rights, enrolling in a Medicare Supplement (Medigap) plan or switching your existing Medigap plan involves medical underwriting.
Medicare starts typically at the age of 65 across all states including Pennsylvania, though people may be eligible under 65 through disability or specific conditions such as ESRD and ALS. Almost 300,000 beneficiaries qualify for Medicare through disability. While some states require beneficiaries to be 65+ and enrolled in Medicare Part A and Part B to enroll in a Medicare Supplement plan, Pennsylvania allows you to enroll in some Medigap plans under 65, as long as you are enrolled in Medicare Part B.
Prescription drug coverage is highly recommended for Medicare beneficiaries, even if it's not required. As prescriptions get more expensive and as health needs change, having the protection of the $2,100 out of pocket maximum ceiling and ability to spread out payments across the year with the Medicare Part D Prescription Payment Plan may well be worth the additional premium and deductible of a separate Part D plan. You should know that if you don't enroll in a Part D plan when you're eligible (either through your Initial Enrollment Period or through losing your creditable coverage) than you may be subject to a late enrollment penalty.
Beneficiaries have guaranteed issue rights during the six-month Initial Enrollment Period (IEP). The IEP begins before turning 65 and Pennsylvania law forbids carriers from charging higher premiums during this enrollment period even if you have preexisting conditions or qualify for Medicare through disability. Carriers may not offer all Medigap plan letters to beneficiaries under 65, however.
Have more questions? Browse our complete FAQ library or call 1 (855) 665-9200
© 2026 United Medicare Advisors.
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.
Spring Insurance Solutions dba United Medicare Advisors and www.unitedmedicareadvisors.com are wholly owned and operated by Spring Venture Group, LLC. United Medicare Advisors and its divisions are licensed to sell insurance products in AL, AZ, AR, CA, CO, CT, DE, DC, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY.
