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2026 Medicare Supplement in Rhode Island

Rate data current as of

Attained-Age
Get an overview of Medicare Supplement rates in Rhode Island across all available plan letters, including Plans G, N and F.
medicare supplement in rhode island

Helping over 670,000 beneficiaries pick a Medicare plan in the last 5 years

OVERVIEW

At A Glance: Medicare Supplement in Rhode Island

Compare 2026 Medicare Supplement (Medigap) rates in Rhode Island. 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.


8
Carriers in Rhode Island
$228/mo
Avg. Plan G
$174/mo
Avg. Plan N
$253/mo
Avg. Plan F

2026 averages for age 65, non-tobacco. Rates vary by carrier, ZIP, and underwriting.

Gender:

Average Medigap Rates in Rhode Island

2026 average monthly premiums for non-tobacco users across all carriers.

Average Plan G Rates in Rhode Island 2026 averages · Non-tobacco · All carriers
Age Avg. Monthly Rate
65 $228/mo
70 $246/mo
75 $283/mo
80 $308/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.


CARRIERS

Medicare Supplement Insurance Providers in Rhode Island

Plan A Rate Ranges by Carrier in Rhode Island

Age 65 · Non-tobacco · 2026 · Rate varies by zip

AARP - UnitedHealthcare Insurance Company
$111 $276 /mo
Age 65 · Non-tobacco · Rate varies by zip
USAA Life Insurance Company
$116 /mo
Age 65 · Non-tobacco · Rate varies by zip
First Health Life & Health Insurance Company
$133 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$141 /mo
Age 65 · Non-tobacco · Rate varies by zip
Blue Cross Blue Shield of Rhode Island
$164 /mo
Age 65 · Non-tobacco · Rate varies by zip
Aetna Health and Life Insurance Company
$175 /mo
Age 65 · Non-tobacco · Rate varies by zip
Insurance Company of North America
$189 /mo
Age 65 · Non-tobacco · Rate varies by zip
AFLAC
$211 /mo
Age 65 · Non-tobacco · 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.

Plan B Rate Ranges by Carrier in Rhode Island

Age 65 · Non-tobacco · 2026 · Rate varies by zip

First Health Life & Health Insurance Company
$153 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$153 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$170 $421 /mo
Age 65 · Non-tobacco · 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.

Plan C Rate Ranges by Carrier in Rhode Island

Age 65 · Non-tobacco · 2026 · Rate varies by zip

Humana Insurance Company
$178 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$204 $505 /mo
Age 65 · Non-tobacco · 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.

Plan F Rate Ranges by Carrier in Rhode Island

Age 65 · Non-tobacco · 2026 · Rate varies by zip

First Health Life & Health Insurance Company
$180 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$182 /mo
Age 65 · Non-tobacco · Rate varies by zip
Aetna Health and Life Insurance Company
$196 /mo
Age 65 · Non-tobacco · Rate varies by zip
AFLAC
$199 /mo
Age 65 · Non-tobacco · Rate varies by zip
USAA Life Insurance Company
$199 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$205 $507 /mo
Age 65 · Non-tobacco · Rate varies by zip
Insurance Company of North America
$226 /mo
Age 65 · Non-tobacco · Rate varies by zip
Blue Cross Blue Shield of Rhode Island
$235 /mo
Age 65 · Non-tobacco · 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.

High-Deductible Plan F Rate Ranges by Carrier in Rhode Island

Age 65 · Non-tobacco · 2026 · Rate varies by zip

Humana Insurance Company
$57 /mo
Age 65 · Non-tobacco · 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.

Plan G Rate Ranges by Carrier in Rhode Island

Age 65 · Non-tobacco · 2026 · Rate varies by zip

USAA Life Insurance Company
$161 /mo
Age 65 · Non-tobacco · Rate varies by zip
First Health Life & Health Insurance Company
$165 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$166 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$173 $486 /mo
Age 65 · Non-tobacco · Rate varies by zip
AFLAC
$174 /mo
Age 65 · Non-tobacco · Rate varies by zip
Aetna Health and Life Insurance Company
$184 /mo
Age 65 · Non-tobacco · Rate varies by zip
Insurance Company of North America
$191 /mo
Age 65 · Non-tobacco · Rate varies by zip
Blue Cross Blue Shield of Rhode Island
$202 /mo
Age 65 · Non-tobacco · 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.

High-Deductible Plan G Rate Ranges by Carrier in Rhode Island

Age 65 · Non-tobacco · 2026 · Rate varies by zip

Humana Insurance Company
$54 /mo
Age 65 · Non-tobacco · Rate varies by zip
Insurance Company of North America
$73 /mo
Age 65 · Non-tobacco · 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.

Plan K Rate Ranges by Carrier in Rhode Island

Age 65 · Non-tobacco · 2026 · Rate varies by zip

AARP - UnitedHealthcare Insurance Company
$62 $156 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$83 /mo
Age 65 · Non-tobacco · 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.

Plan L Rate Ranges by Carrier in Rhode Island

Age 65 · Non-tobacco · 2026 · Rate varies by zip

AARP - UnitedHealthcare Insurance Company
$115 $285 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$117 /mo
Age 65 · Non-tobacco · 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.

Plan N Rate Ranges by Carrier in Rhode Island

Age 65 · Non-tobacco · 2026 · Rate varies by zip

First Health Life & Health Insurance Company
$97 /mo
Age 65 · Non-tobacco · Rate varies by zip
Aetna Health and Life Insurance Company
$114 /mo
Age 65 · Non-tobacco · Rate varies by zip
AFLAC
$116 /mo
Age 65 · Non-tobacco · Rate varies by zip
Insurance Company of North America
$125 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$135 $379 /mo
Age 65 · Non-tobacco · Rate varies by zip
USAA Life Insurance Company
$147 /mo
Age 65 · Non-tobacco · Rate varies by zip
Blue Cross Blue Shield of Rhode Island
$156 /mo
Age 65 · Non-tobacco · 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.

How we calculate displayed rates

Figures for Medicare Supplement (Medigap) on this page use 2026 filed or community rates from our carrier-rate dataset for Rhode Island. 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.

Lowest Plan A Rates by Carrier in Rhode Island

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
AARP - UnitedHealthcare Insurance Company Lowest $111/mo $122/mo $150/mo $178/mo
USAA Life Insurance Company $116/mo $135/mo $161/mo $187/mo
First Health Life & Health Insurance Company $133/mo $153/mo $170/mo $180/mo
Humana Insurance Company $141/mo $166/mo $193/mo $219/mo
Blue Cross Blue Shield of Rhode Island $164/mo $197/mo $253/mo $253/mo
Aetna Health and Life Insurance Company $175/mo $186/mo $219/mo $258/mo
Insurance Company of North America $189/mo $194/mo $231/mo $281/mo
AFLAC $211/mo $231/mo $272/mo $312/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.

Lowest Plan B Rates by Carrier in Rhode Island

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 $153/mo $178/mo $203/mo $224/mo
Humana Insurance Company $153/mo $181/mo $210/mo $239/mo
AARP - UnitedHealthcare Insurance Company $170/mo $187/mo $229/mo $271/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.

Lowest Plan C Rates by Carrier in Rhode Island

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Humana Insurance Company Lowest $178/mo $211/mo $244/mo $278/mo
AARP - UnitedHealthcare Insurance Company $204/mo $224/mo $275/mo $326/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.

Lowest Plan F Rates by Carrier in Rhode Island

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 $180/mo $211/mo $242/mo $269/mo
Humana Insurance Company $182/mo $215/mo $249/mo $283/mo
Aetna Health and Life Insurance Company $196/mo $208/mo $246/mo $289/mo
AFLAC $199/mo $222/mo $276/mo $334/mo
USAA Life Insurance Company $199/mo $233/mo $278/mo $322/mo
AARP - UnitedHealthcare Insurance Company $205/mo $225/mo $276/mo $327/mo
Insurance Company of North America $226/mo $233/mo $276/mo $336/mo
Blue Cross Blue Shield of Rhode Island $235/mo $282/mo $362/mo $362/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.

Lowest High-Deductible Plan F Rates by Carrier in Rhode Island

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Humana Insurance Company Lowest $57/mo $68/mo $78/mo $89/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.

Lowest Plan G Rates by Carrier in Rhode Island

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
USAA Life Insurance Company Lowest $161/mo $188/mo $223/mo $264/mo
First Health Life & Health Insurance Company $165/mo $194/mo $223/mo $250/mo
Humana Insurance Company $166/mo $197/mo $228/mo $259/mo
AARP - UnitedHealthcare Insurance Company $173/mo $190/mo $234/mo $277/mo
AFLAC $174/mo $191/mo $235/mo $292/mo
Aetna Health and Life Insurance Company $184/mo $195/mo $230/mo $271/mo
Insurance Company of North America $191/mo $196/mo $233/mo $284/mo
Blue Cross Blue Shield of Rhode Island $202/mo $243/mo $312/mo $312/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.

Lowest High-Deductible Plan G Rates by Carrier in Rhode Island

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Humana Insurance Company Lowest $54/mo $64/mo $74/mo $84/mo
Insurance Company of North America $73/mo $75/mo $89/mo $108/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.

Lowest Plan K Rates by Carrier in Rhode Island

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
AARP - UnitedHealthcare Insurance Company Lowest $62/mo $69/mo $84/mo $100/mo
Humana Insurance Company $83/mo $98/mo $113/mo $129/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.

Lowest Plan L Rates by Carrier in Rhode Island

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
AARP - UnitedHealthcare Insurance Company Lowest $115/mo $126/mo $155/mo $183/mo
Humana Insurance Company $117/mo $139/mo $161/mo $183/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.

Lowest Plan N Rates by Carrier in Rhode Island

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 $97/mo $115/mo $133/mo $150/mo
Aetna Health and Life Insurance Company $114/mo $127/mo $151/mo $177/mo
AFLAC $116/mo $129/mo $161/mo $201/mo
Insurance Company of North America $125/mo $128/mo $152/mo $185/mo
AARP - UnitedHealthcare Insurance Company $135/mo $149/mo $183/mo $216/mo
USAA Life Insurance Company $147/mo $171/mo $205/mo $237/mo
Blue Cross Blue Shield of Rhode Island $156/mo $187/mo $240/mo $240/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.

Average Plan A Rates by Carrier in Rhode Island

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
USAA Life Insurance Company $116/mo $135/mo $161/mo $187/mo
First Health Life & Health Insurance Company $133/mo $153/mo $170/mo $180/mo
Humana Insurance Company $141/mo $166/mo $193/mo $219/mo
Blue Cross Blue Shield of Rhode Island $164/mo $197/mo $253/mo $253/mo
Aetna Health and Life Insurance Company $175/mo $186/mo $219/mo $258/mo
Insurance Company of North America $189/mo $194/mo $231/mo $281/mo
AARP - UnitedHealthcare Insurance Company $193/mo $199/mo $209/mo $218/mo
AFLAC $211/mo $231/mo $272/mo $312/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.

Average Plan B Rates by Carrier in Rhode Island

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
First Health Life & Health Insurance Company $153/mo $178/mo $203/mo $224/mo
Humana Insurance Company $153/mo $181/mo $210/mo $239/mo
AARP - UnitedHealthcare Insurance Company $295/mo $304/mo $319/mo $333/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.

Average Plan C Rates by Carrier in Rhode Island

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Humana Insurance Company $178/mo $211/mo $244/mo $278/mo
AARP - UnitedHealthcare Insurance Company $355/mo $365/mo $383/mo $400/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.

Average Plan F Rates by Carrier in Rhode Island

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
First Health Life & Health Insurance Company $180/mo $211/mo $242/mo $269/mo
Humana Insurance Company $182/mo $215/mo $249/mo $283/mo
Aetna Health and Life Insurance Company $196/mo $208/mo $246/mo $289/mo
AFLAC $199/mo $222/mo $276/mo $334/mo
USAA Life Insurance Company $199/mo $233/mo $278/mo $322/mo
Insurance Company of North America $226/mo $233/mo $276/mo $336/mo
Blue Cross Blue Shield of Rhode Island $235/mo $282/mo $362/mo $362/mo
AARP - UnitedHealthcare Insurance Company $356/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.

Average High-Deductible Plan F Rates by Carrier in Rhode Island

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Humana Insurance Company $57/mo $68/mo $78/mo $89/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.

Average Plan G Rates by Carrier in Rhode Island

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
USAA Life Insurance Company $161/mo $188/mo $223/mo $264/mo
First Health Life & Health Insurance Company $165/mo $194/mo $223/mo $250/mo
Humana Insurance Company $166/mo $197/mo $228/mo $259/mo
AFLAC $174/mo $191/mo $235/mo $292/mo
Aetna Health and Life Insurance Company $184/mo $195/mo $230/mo $271/mo
Insurance Company of North America $191/mo $196/mo $233/mo $284/mo
Blue Cross Blue Shield of Rhode Island $202/mo $243/mo $312/mo $312/mo
AARP - UnitedHealthcare Insurance Company $330/mo $338/mo $345/mo $359/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.

Average High-Deductible Plan G Rates by Carrier in Rhode Island

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Humana Insurance Company $54/mo $64/mo $74/mo $84/mo
Insurance Company of North America $73/mo $75/mo $89/mo $108/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.

Average Plan K Rates by Carrier in Rhode Island

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Humana Insurance Company $83/mo $98/mo $113/mo $129/mo
AARP - UnitedHealthcare Insurance Company $109/mo $112/mo $118/mo $123/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.

Average Plan L Rates by Carrier in Rhode Island

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Humana Insurance Company $117/mo $139/mo $161/mo $183/mo
AARP - UnitedHealthcare Insurance Company $200/mo $205/mo $216/mo $225/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.

Average Plan N Rates by Carrier in Rhode Island

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
First Health Life & Health Insurance Company $97/mo $115/mo $133/mo $150/mo
Aetna Health and Life Insurance Company $114/mo $127/mo $151/mo $177/mo
AFLAC $116/mo $129/mo $161/mo $201/mo
Insurance Company of North America $125/mo $128/mo $152/mo $185/mo
USAA Life Insurance Company $147/mo $171/mo $205/mo $237/mo
Blue Cross Blue Shield of Rhode Island $156/mo $187/mo $240/mo $240/mo
AARP - UnitedHealthcare Insurance Company $257/mo $264/mo $269/mo $280/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.

Underwriting & Household Discount Pricing — Plan A in Rhode Island

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 Rhode Island 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 $111/mo
Level 2 $276/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.

Underwriting & Household Discount Pricing — Plan B in Rhode Island

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 Rhode Island 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 $170/mo
Level 2 $421/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.

Underwriting & Household Discount Pricing — Plan C in Rhode Island

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 Rhode Island 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 $204/mo
Level 2 $505/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.

Underwriting & Household Discount Pricing — Plan F in Rhode Island

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 Rhode Island 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 $205/mo
Level 2 $507/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.

Underwriting & Household Discount Pricing — Plan G in Rhode Island

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 Rhode Island 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 $173/mo
Level 2 $486/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.

Underwriting & Household Discount Pricing — Plan K in Rhode Island

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 Rhode Island 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 $62/mo
Level 2 $156/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.

Underwriting & Household Discount Pricing — Plan L in Rhode Island

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 Rhode Island 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 $115/mo
Level 2 $285/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.

Underwriting & Household Discount Pricing — Plan N in Rhode Island

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 Rhode Island 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 $135/mo
Level 2 $379/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.

RESOURCES

More Information on Medicare Supplement in Rhode Island

Before You Compare

Is Choosing the Cheapest Plan Right for Me?

The lowest premium isn't always the best value. Medigap plans are standardized — every Plan G covers the same benefits — but carriers differ in ways that affect your long-term costs and experience:

  • Introductory rates can be misleading. Some carriers offer low first-year premiums that increase significantly at renewal. Ask about a carrier's rate increase history before enrolling.
  • Rate stability matters more than starting price. A carrier that raises rates 3% annually will cost less over 10 years than one that starts lower but increases 8–12% per year.
  • Financial strength protects your coverage. AM Best ratings measure a carrier's ability to pay claims. A financially strong carrier is less likely to exit the market or impose steep rate hikes.

Questions to ask your agent:

  • "What's this carrier's rate increase history over the last 5 years?"
  • "How financially stable is this company?"
Talk to a licensed agent →
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