Texas is one of the largest Medicare Supplement markets in the country, with over 4 million Medicare beneficiaries and dozens of carriers competing for business. That competition works in your favor — Plan G and Plan N rates in Texas are among the most competitive nationally, especially for beneficiaries enrolling during their initial Open Enrollment Period. However, Texas does not offer a birthday rule or annual switching window, which means the carrier you choose at enrollment matters long-term. Our licensed, independent agents compare rates from every major carrier in Texas to help you find the best combination of price, rate stability, and financial strength — at no additional cost to you.
2026 averages for age 65, non-tobacco. Rates vary by carrier, ZIP, and underwriting.
2026 average monthly premiums for non-tobacco users across all carriers.
| Age | Avg. Monthly Rate |
|---|---|
| 65 | $224/mo |
| 70 | $237/mo |
| 75 | $279/mo |
| 80 | $321/mo |
Rates are statewide averages across all carriers. Your actual premium will vary by carrier, zip code, health status, and underwriting factors. Get a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Figures for Medicare Supplement (Medigap) on this page use 2026 filed or community rates from our carrier-rate dataset for Texas. Averages roll up multiple carriers and rate classes for the age, gender, and plan letter you select. Your premium can still differ based on ZIP code, underwriting, household discounts, and how the carrier bills the policy. Treat tables as directional guidance, not a binding quote.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $112/mo | $135/mo | $147/mo | $148/mo |
| HealthSpring Insurance Company | $116/mo | $120/mo | $145/mo | $176/mo |
| New Era Life Insurance Company | $117/mo | $131/mo | $154/mo | $178/mo |
| Philadelphia American Life Insurance Company | $124/mo | $139/mo | $163/mo | $189/mo |
| Medico Life and Health Insurance Company | $130/mo | $132/mo | $140/mo | $166/mo |
| Wisconsin Physicians Service Insurance Corporation | $147/mo | $177/mo | $208/mo | $238/mo |
| Woodmen Of The World Life Insurance Society | $148/mo | $150/mo | $180/mo | $226/mo |
| AFLAC | $150/mo | $159/mo | $196/mo | $250/mo |
| Aetna Health Insurance Company | $161/mo | $171/mo | $201/mo | $237/mo |
| Old Surety Life Insurance Company | $167/mo | $206/mo | $242/mo | $273/mo |
| Humana Insurance Company | $169/mo | $180/mo | $219/mo | $266/mo |
| State Farm Mutual Automobile Insurance Company | $174/mo | $219/mo | $254/mo | $285/mo |
| First Health Life & Health Insurance Company | $175/mo | $201/mo | $223/mo | $236/mo |
| Guarantee Trust Life Insurance Company | $197/mo | $209/mo | $235/mo | $272/mo |
| AARP - UnitedHealthcare Insurance Company | $393/mo | $432/mo | $529/mo | $627/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $129/mo | $156/mo | $169/mo | $170/mo |
| HealthSpring Insurance Company | $134/mo | $138/mo | $166/mo | $202/mo |
| New Era Life Insurance Company | $129/mo | $144/mo | $170/mo | $196/mo |
| Philadelphia American Life Insurance Company | $136/mo | $153/mo | $180/mo | $208/mo |
| Medico Life and Health Insurance Company | $150/mo | $151/mo | $161/mo | $191/mo |
| Wisconsin Physicians Service Insurance Corporation | $162/mo | $194/mo | $228/mo | $261/mo |
| Woodmen Of The World Life Insurance Society | $170/mo | $173/mo | $207/mo | $260/mo |
| AFLAC | $172/mo | $182/mo | $224/mo | $287/mo |
| Aetna Health Insurance Company | $186/mo | $197/mo | $232/mo | $273/mo |
| Old Surety Life Insurance Company | $192/mo | $237/mo | $279/mo | $314/mo |
| Humana Insurance Company | $188/mo | $200/mo | $243/mo | $296/mo |
| State Farm Mutual Automobile Insurance Company | $188/mo | $237/mo | $275/mo | $309/mo |
| First Health Life & Health Insurance Company | $192/mo | $219/mo | $244/mo | $259/mo |
| Guarantee Trust Life Insurance Company | $220/mo | $234/mo | $266/mo | $308/mo |
| AARP - UnitedHealthcare Insurance Company | $444/mo | $487/mo | $597/mo | $707/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 | $156/mo | $193/mo | $216/mo | $223/mo |
| Aetna Health Insurance Company | $158/mo | $168/mo | $197/mo | $232/mo |
| First Health Life & Health Insurance Company | $202/mo | $236/mo | $268/mo | $295/mo |
| AARP - UnitedHealthcare Insurance Company | $206/mo | $226/mo | $277/mo | $328/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $179/mo | $222/mo | $248/mo | $256/mo |
| Aetna Health Insurance Company | $182/mo | $193/mo | $227/mo | $267/mo |
| First Health Life & Health Insurance Company | $221/mo | $257/mo | $293/mo | $322/mo |
| AARP - UnitedHealthcare Insurance Company | $232/mo | $255/mo | $313/mo | $370/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 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company Lowest | $170/mo | $179/mo | $214/mo | $250/mo |
| Wisconsin Physicians Service Insurance Corporation | $200/mo | $239/mo | $281/mo | $322/mo |
| Old Surety Life Insurance Company | $215/mo | $224/mo | $259/mo | $303/mo |
| State Farm Mutual Automobile Insurance Company | $237/mo | $298/mo | $345/mo | $388/mo |
| United American Insurance Company | $249/mo | $312/mo | $360/mo | $402/mo |
| AARP - UnitedHealthcare Insurance Company | $267/mo | $293/mo | $360/mo | $426/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company Lowest | $192/mo | $202/mo | $242/mo | $283/mo |
| Wisconsin Physicians Service Insurance Corporation | $220/mo | $263/mo | $310/mo | $354/mo |
| Old Surety Life Insurance Company | $247/mo | $258/mo | $298/mo | $348/mo |
| State Farm Mutual Automobile Insurance Company | $256/mo | $323/mo | $374/mo | $420/mo |
| United American Insurance Company | $286/mo | $359/mo | $413/mo | $462/mo |
| AARP - UnitedHealthcare Insurance Company | $301/mo | $331/mo | $406/mo | $481/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 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company Lowest | $133/mo | $138/mo | $164/mo | $187/mo |
| United American Insurance Company | $242/mo | $307/mo | $357/mo | $401/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company Lowest | $147/mo | $152/mo | $180/mo | $205/mo |
| United American Insurance Company | $278/mo | $353/mo | $410/mo | $460/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company Lowest | $139/mo | $144/mo | $167/mo | $207/mo |
| First Health Life & Health Insurance Company | $190/mo | $223/mo | $256/mo | $285/mo |
| AFLAC | $191/mo | $203/mo | $243/mo | $304/mo |
| HealthSpring Insurance Company | $194/mo | $198/mo | $223/mo | $255/mo |
| Medico Life and Health Insurance Company | $194/mo | $196/mo | $209/mo | $246/mo |
| Woodmen Of The World Life Insurance Society | $195/mo | $197/mo | $232/mo | $281/mo |
| Wisconsin Physicians Service Insurance Corporation | $199/mo | $238/mo | $280/mo | $321/mo |
| Humana Insurance Company | $205/mo | $217/mo | $264/mo | $322/mo |
| State Farm Mutual Automobile Insurance Company | $257/mo | $323/mo | $375/mo | $421/mo |
| Aetna Health Insurance Company | $261/mo | $277/mo | $325/mo | $383/mo |
| United American Insurance Company | $263/mo | $329/mo | $379/mo | $423/mo |
| AARP - UnitedHealthcare Insurance Company | $269/mo | $295/mo | $362/mo | $428/mo |
| Guarantee Trust Life Insurance Company | $285/mo | $303/mo | $360/mo | $451/mo |
| Old Surety Life Insurance Company | $336/mo | $394/mo | $438/mo | $480/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company Lowest | $153/mo | $159/mo | $184/mo | $227/mo |
| First Health Life & Health Insurance Company | $207/mo | $242/mo | $278/mo | $310/mo |
| AFLAC | $218/mo | $232/mo | $278/mo | $348/mo |
| HealthSpring Insurance Company | $223/mo | $227/mo | $256/mo | $293/mo |
| Medico Life and Health Insurance Company | $223/mo | $225/mo | $240/mo | $283/mo |
| Woodmen Of The World Life Insurance Society | $224/mo | $226/mo | $267/mo | $323/mo |
| Wisconsin Physicians Service Insurance Corporation | $219/mo | $262/mo | $308/mo | $353/mo |
| Humana Insurance Company | $228/mo | $242/mo | $294/mo | $358/mo |
| State Farm Mutual Automobile Insurance Company | $278/mo | $350/mo | $406/mo | $456/mo |
| Aetna Health Insurance Company | $300/mo | $318/mo | $374/mo | $440/mo |
| United American Insurance Company | $302/mo | $378/mo | $435/mo | $486/mo |
| AARP - UnitedHealthcare Insurance Company | $303/mo | $333/mo | $408/mo | $483/mo |
| Guarantee Trust Life Insurance Company | $320/mo | $339/mo | $403/mo | $505/mo |
| Old Surety Life Insurance Company | $357/mo | $436/mo | $506/mo | $561/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 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company Lowest | $36/mo | $43/mo | $51/mo | $62/mo |
| Aetna Health Insurance Company | $41/mo | $43/mo | $51/mo | $60/mo |
| Medico Life and Health Insurance Company | $58/mo | $59/mo | $63/mo | $74/mo |
| United American Insurance Company | $59/mo | $77/mo | $98/mo | $128/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company Lowest | $40/mo | $47/mo | $56/mo | $69/mo |
| Aetna Health Insurance Company | $47/mo | $50/mo | $58/mo | $69/mo |
| Medico Life and Health Insurance Company | $67/mo | $67/mo | $72/mo | $94/mo |
| United American Insurance Company | $67/mo | $89/mo | $113/mo | $147/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 | $118/mo | $122/mo | $147/mo | $179/mo |
| Medico Life and Health Insurance Company | $137/mo | $139/mo | $148/mo | $175/mo |
| AFLAC | $156/mo | $165/mo | $204/mo | $261/mo |
| Woodmen Of The World Life Insurance Society | $159/mo | $162/mo | $194/mo | $244/mo |
| Old Surety Life Insurance Company | $164/mo | $171/mo | $196/mo | $224/mo |
| Wisconsin Physicians Service Insurance Corporation | $169/mo | $202/mo | $237/mo | $272/mo |
| Humana Insurance Company | $175/mo | $185/mo | $226/mo | $274/mo |
| State Farm Mutual Automobile Insurance Company | $181/mo | $223/mo | $262/mo | $298/mo |
| First Health Life & Health Insurance Company | $184/mo | $216/mo | $249/mo | $279/mo |
| United American Insurance Company | $189/mo | $241/mo | $280/mo | $313/mo |
| AARP - UnitedHealthcare Insurance Company | $204/mo | $225/mo | $276/mo | $326/mo |
| Aetna Health Insurance Company | $205/mo | $218/mo | $256/mo | $302/mo |
| Guarantee Trust Life Insurance Company | $226/mo | $240/mo | $286/mo | $357/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring Insurance Company Lowest | $136/mo | $140/mo | $169/mo | $205/mo |
| Medico Life and Health Insurance Company | $158/mo | $159/mo | $170/mo | $201/mo |
| AFLAC | $179/mo | $190/mo | $234/mo | $299/mo |
| Woodmen Of The World Life Insurance Society | $183/mo | $186/mo | $223/mo | $280/mo |
| Old Surety Life Insurance Company | $180/mo | $188/mo | $215/mo | $246/mo |
| Wisconsin Physicians Service Insurance Corporation | $185/mo | $222/mo | $261/mo | $299/mo |
| Humana Insurance Company | $194/mo | $206/mo | $251/mo | $306/mo |
| State Farm Mutual Automobile Insurance Company | $185/mo | $245/mo | $296/mo | $342/mo |
| First Health Life & Health Insurance Company | $199/mo | $235/mo | $270/mo | $302/mo |
| United American Insurance Company | $218/mo | $277/mo | $321/mo | $360/mo |
| AARP - UnitedHealthcare Insurance Company | $231/mo | $254/mo | $311/mo | $368/mo |
| Aetna Health Insurance Company | $236/mo | $251/mo | $294/mo | $347/mo |
| Guarantee Trust Life Insurance Company | $253/mo | $269/mo | $320/mo | $400/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 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company Lowest | $29/mo | $34/mo | $41/mo | $50/mo |
| HealthSpring Insurance Company | $41/mo | $42/mo | $51/mo | $62/mo |
| Woodmen Of The World Life Insurance Society | $45/mo | $47/mo | $56/mo | $69/mo |
| Humana Insurance Company | $46/mo | $48/mo | $59/mo | $72/mo |
| Medico Life and Health Insurance Company | $47/mo | $48/mo | $51/mo | $60/mo |
| United American Insurance Company | $53/mo | $70/mo | $89/mo | $116/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company Lowest | $32/mo | $37/mo | $45/mo | $55/mo |
| HealthSpring Insurance Company | $47/mo | $48/mo | $58/mo | $71/mo |
| Woodmen Of The World Life Insurance Society | $52/mo | $54/mo | $65/mo | $79/mo |
| Humana Insurance Company | $51/mo | $54/mo | $66/mo | $80/mo |
| Medico Life and Health Insurance Company | $54/mo | $55/mo | $59/mo | $69/mo |
| United American Insurance Company | $61/mo | $80/mo | $102/mo | $133/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 | $89/mo | $98/mo | $120/mo | $142/mo |
| United American Insurance Company | $97/mo | $129/mo | $143/mo | $150/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $100/mo | $110/mo | $136/mo | $161/mo |
| United American Insurance Company | $112/mo | $149/mo | $165/mo | $172/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 | $110/mo | $121/mo | $149/mo | $176/mo |
| United American Insurance Company | $149/mo | $198/mo | $220/mo | $229/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $124/mo | $137/mo | $168/mo | $199/mo |
| United American Insurance Company | $171/mo | $228/mo | $252/mo | $263/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 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company Lowest | $76/mo | $80/mo | $97/mo | $113/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company Lowest | $93/mo | $98/mo | $109/mo | $128/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $90/mo | $107/mo | $124/mo | $139/mo |
| HealthSpring Insurance Company | $93/mo | $95/mo | $102/mo | $125/mo |
| Medico Life and Health Insurance Company | $101/mo | $102/mo | $108/mo | $128/mo |
| AFLAC | $107/mo | $117/mo | $146/mo | $187/mo |
| New Era Life Insurance Company | $108/mo | $130/mo | $155/mo | $186/mo |
| Woodmen Of The World Life Insurance Society | $111/mo | $113/mo | $138/mo | $170/mo |
| State Farm Mutual Automobile Insurance Company | $124/mo | $151/mo | $179/mo | $207/mo |
| Humana Insurance Company | $131/mo | $139/mo | $169/mo | $205/mo |
| Aetna Health Insurance Company | $141/mo | $158/mo | $186/mo | $219/mo |
| Wisconsin Physicians Service Insurance Corporation | $142/mo | $170/mo | $200/mo | $229/mo |
| Guarantee Trust Life Insurance Company | $144/mo | $153/mo | $181/mo | $227/mo |
| AARP - UnitedHealthcare Insurance Company | $175/mo | $193/mo | $236/mo | $280/mo |
| United American Insurance Company | $211/mo | $269/mo | $315/mo | $358/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $98/mo | $115/mo | $134/mo | $151/mo |
| HealthSpring Insurance Company Lowest | $92/mo | $100/mo | $118/mo | $143/mo |
| Medico Life and Health Insurance Company | $116/mo | $117/mo | $125/mo | $147/mo |
| AFLAC | $122/mo | $134/mo | $167/mo | $215/mo |
| New Era Life Insurance Company | $122/mo | $146/mo | $175/mo | $210/mo |
| Woodmen Of The World Life Insurance Society | $128/mo | $130/mo | $158/mo | $196/mo |
| State Farm Mutual Automobile Insurance Company | $129/mo | $169/mo | $204/mo | $238/mo |
| Humana Insurance Company | $145/mo | $154/mo | $188/mo | $228/mo |
| Aetna Health Insurance Company | $162/mo | $181/mo | $215/mo | $252/mo |
| Wisconsin Physicians Service Insurance Corporation | $156/mo | $187/mo | $220/mo | $252/mo |
| Guarantee Trust Life Insurance Company | $161/mo | $171/mo | $203/mo | $254/mo |
| AARP - UnitedHealthcare Insurance Company | $198/mo | $217/mo | $267/mo | $316/mo |
| United American Insurance Company | $242/mo | $309/mo | $362/mo | $412/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $121/mo | $146/mo | $158/mo | $160/mo |
| New Era Life Insurance Company | $130/mo | $146/mo | $171/mo | $198/mo |
| Philadelphia American Life Insurance Company | $138/mo | $155/mo | $181/mo | $210/mo |
| Wisconsin Physicians Service Insurance Corporation | $158/mo | $190/mo | $223/mo | $255/mo |
| Medico Life and Health Insurance Company | $166/mo | $167/mo | $178/mo | $211/mo |
| Woodmen Of The World Life Insurance Society | $166/mo | $168/mo | $202/mo | $254/mo |
| AFLAC | $172/mo | $182/mo | $224/mo | $287/mo |
| State Farm Mutual Automobile Insurance Company | $181/mo | $228/mo | $264/mo | $296/mo |
| Old Surety Life Insurance Company | $188/mo | $232/mo | $273/mo | $307/mo |
| Aetna Health Insurance Company | $189/mo | $200/mo | $235/mo | $277/mo |
| Humana Insurance Company | $190/mo | $202/mo | $245/mo | $299/mo |
| First Health Life & Health Insurance Company | $194/mo | $222/mo | $246/mo | $261/mo |
| HealthSpring Insurance Company | $195/mo | $200/mo | $241/mo | $294/mo |
| Guarantee Trust Life Insurance Company | $223/mo | $237/mo | $267/mo | $308/mo |
| AARP - UnitedHealthcare Insurance Company | $699/mo | $719/mo | $760/mo | $794/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $139/mo | $168/mo | $182/mo | $183/mo |
| New Era Life Insurance Company | $143/mo | $160/mo | $188/mo | $218/mo |
| Philadelphia American Life Insurance Company | $152/mo | $170/mo | $200/mo | $231/mo |
| Wisconsin Physicians Service Insurance Corporation | $174/mo | $209/mo | $245/mo | $281/mo |
| Medico Life and Health Insurance Company | $191/mo | $192/mo | $205/mo | $243/mo |
| Woodmen Of The World Life Insurance Society | $191/mo | $194/mo | $232/mo | $292/mo |
| AFLAC | $197/mo | $209/mo | $257/mo | $329/mo |
| State Farm Mutual Automobile Insurance Company | $196/mo | $247/mo | $286/mo | $321/mo |
| Old Surety Life Insurance Company | $216/mo | $266/mo | $314/mo | $353/mo |
| Aetna Health Insurance Company | $217/mo | $230/mo | $271/mo | $319/mo |
| Humana Insurance Company | $212/mo | $225/mo | $273/mo | $332/mo |
| First Health Life & Health Insurance Company | $212/mo | $242/mo | $269/mo | $286/mo |
| HealthSpring Insurance Company | $224/mo | $230/mo | $278/mo | $338/mo |
| Guarantee Trust Life Insurance Company | $250/mo | $266/mo | $301/mo | $350/mo |
| AARP - UnitedHealthcare Insurance Company | $801/mo | $824/mo | $866/mo | $904/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 | $168/mo | $208/mo | $233/mo | $240/mo |
| Aetna Health Insurance Company | $185/mo | $196/mo | $231/mo | $272/mo |
| First Health Life & Health Insurance Company | $223/mo | $260/mo | $297/mo | $326/mo |
| AARP - UnitedHealthcare Insurance Company | $372/mo | $383/mo | $402/mo | $420/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $193/mo | $239/mo | $267/mo | $276/mo |
| Aetna Health Insurance Company | $213/mo | $226/mo | $265/mo | $313/mo |
| First Health Life & Health Insurance Company | $244/mo | $284/mo | $324/mo | $356/mo |
| AARP - UnitedHealthcare Insurance Company | $420/mo | $432/mo | $454/mo | $474/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 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company | $185/mo | $194/mo | $232/mo | $271/mo |
| Wisconsin Physicians Service Insurance Corporation | $215/mo | $257/mo | $302/mo | $346/mo |
| Old Surety Life Insurance Company | $242/mo | $253/mo | $292/mo | $341/mo |
| State Farm Mutual Automobile Insurance Company | $246/mo | $310/mo | $359/mo | $404/mo |
| United American Insurance Company | $268/mo | $336/mo | $387/mo | $433/mo |
| AARP - UnitedHealthcare Insurance Company | $483/mo | $497/mo | $522/mo | $545/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company | $209/mo | $220/mo | $262/mo | $307/mo |
| Wisconsin Physicians Service Insurance Corporation | $236/mo | $283/mo | $333/mo | $381/mo |
| Old Surety Life Insurance Company | $279/mo | $291/mo | $336/mo | $393/mo |
| State Farm Mutual Automobile Insurance Company | $267/mo | $336/mo | $389/mo | $437/mo |
| United American Insurance Company | $308/mo | $386/mo | $445/mo | $497/mo |
| AARP - UnitedHealthcare Insurance Company | $545/mo | $560/mo | $589/mo | $615/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 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company | $148/mo | $153/mo | $182/mo | $207/mo |
| United American Insurance Company | $260/mo | $331/mo | $384/mo | $431/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company | $163/mo | $168/mo | $200/mo | $228/mo |
| United American Insurance Company | $299/mo | $380/mo | $441/mo | $495/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company | $155/mo | $160/mo | $186/mo | $229/mo |
| First Health Life & Health Insurance Company | $210/mo | $247/mo | $283/mo | $315/mo |
| Wisconsin Physicians Service Insurance Corporation | $214/mo | $256/mo | $301/mo | $345/mo |
| Woodmen Of The World Life Insurance Society | $218/mo | $220/mo | $260/mo | $315/mo |
| AFLAC | $219/mo | $233/mo | $279/mo | $348/mo |
| Humana Insurance Company | $230/mo | $244/mo | $297/mo | $361/mo |
| Medico Life and Health Insurance Company | $246/mo | $249/mo | $265/mo | $313/mo |
| State Farm Mutual Automobile Insurance Company | $267/mo | $336/mo | $390/mo | $438/mo |
| United American Insurance Company | $283/mo | $354/mo | $408/mo | $455/mo |
| Aetna Health Insurance Company | $305/mo | $324/mo | $380/mo | $448/mo |
| Guarantee Trust Life Insurance Company | $324/mo | $344/mo | $409/mo | $512/mo |
| HealthSpring Insurance Company | $324/mo | $330/mo | $372/mo | $425/mo |
| Old Surety Life Insurance Company | $378/mo | $443/mo | $493/mo | $540/mo |
| AARP - UnitedHealthcare Insurance Company | $486/mo | $500/mo | $525/mo | $548/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| New Era Life Insurance Company | $170/mo | $176/mo | $204/mo | $252/mo |
| First Health Life & Health Insurance Company | $228/mo | $268/mo | $307/mo | $342/mo |
| Wisconsin Physicians Service Insurance Corporation | $235/mo | $282/mo | $331/mo | $379/mo |
| Woodmen Of The World Life Insurance Society | $251/mo | $253/mo | $299/mo | $362/mo |
| AFLAC | $250/mo | $266/mo | $319/mo | $399/mo |
| Humana Insurance Company | $256/mo | $272/mo | $331/mo | $402/mo |
| Medico Life and Health Insurance Company | $283/mo | $286/mo | $305/mo | $360/mo |
| State Farm Mutual Automobile Insurance Company | $289/mo | $364/mo | $422/mo | $474/mo |
| United American Insurance Company | $325/mo | $407/mo | $468/mo | $523/mo |
| Aetna Health Insurance Company | $351/mo | $372/mo | $437/mo | $515/mo |
| Guarantee Trust Life Insurance Company | $363/mo | $385/mo | $458/mo | $573/mo |
| HealthSpring Insurance Company | $373/mo | $380/mo | $428/mo | $489/mo |
| Old Surety Life Insurance Company | $402/mo | $491/mo | $569/mo | $631/mo |
| AARP - UnitedHealthcare Insurance Company | $548/mo | $564/mo | $592/mo | $618/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 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company | $40/mo | $47/mo | $57/mo | $69/mo |
| Aetna Health Insurance Company | $48/mo | $51/mo | $60/mo | $70/mo |
| United American Insurance Company | $63/mo | $83/mo | $106/mo | $138/mo |
| Medico Life and Health Insurance Company | $74/mo | $75/mo | $80/mo | $93/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company | $44/mo | $52/mo | $63/mo | $76/mo |
| Aetna Health Insurance Company | $55/mo | $58/mo | $68/mo | $81/mo |
| United American Insurance Company | $72/mo | $96/mo | $122/mo | $159/mo |
| Medico Life and Health Insurance Company | $86/mo | $87/mo | $94/mo | $107/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 |
|---|---|---|---|---|
| Medico Life and Health Insurance Company | $174/mo | $176/mo | $188/mo | $222/mo |
| AFLAC | $179/mo | $190/mo | $234/mo | $299/mo |
| Woodmen Of The World Life Insurance Society | $179/mo | $181/mo | $217/mo | $273/mo |
| Wisconsin Physicians Service Insurance Corporation | $181/mo | $217/mo | $255/mo | $292/mo |
| Old Surety Life Insurance Company | $185/mo | $192/mo | $221/mo | $252/mo |
| State Farm Mutual Automobile Insurance Company | $189/mo | $232/mo | $273/mo | $310/mo |
| Humana Insurance Company | $196/mo | $208/mo | $253/mo | $308/mo |
| HealthSpring Insurance Company | $198/mo | $203/mo | $245/mo | $298/mo |
| First Health Life & Health Insurance Company | $203/mo | $239/mo | $275/mo | $308/mo |
| United American Insurance Company | $204/mo | $259/mo | $301/mo | $337/mo |
| Aetna Health Insurance Company | $240/mo | $255/mo | $300/mo | $353/mo |
| Guarantee Trust Life Insurance Company | $255/mo | $272/mo | $323/mo | $404/mo |
| AARP - UnitedHealthcare Insurance Company | $433/mo | $444/mo | $442/mo | $460/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Medico Life and Health Insurance Company | $201/mo | $203/mo | $216/mo | $255/mo |
| AFLAC | $206/mo | $217/mo | $268/mo | $343/mo |
| Woodmen Of The World Life Insurance Society | $205/mo | $208/mo | $250/mo | $314/mo |
| Wisconsin Physicians Service Insurance Corporation | $199/mo | $239/mo | $281/mo | $321/mo |
| Old Surety Life Insurance Company | $203/mo | $212/mo | $243/mo | $278/mo |
| State Farm Mutual Automobile Insurance Company | $193/mo | $255/mo | $308/mo | $356/mo |
| Humana Insurance Company | $218/mo | $232/mo | $282/mo | $343/mo |
| HealthSpring Insurance Company | $227/mo | $234/mo | $282/mo | $343/mo |
| First Health Life & Health Insurance Company | $220/mo | $259/mo | $299/mo | $334/mo |
| United American Insurance Company | $235/mo | $298/mo | $346/mo | $388/mo |
| Aetna Health Insurance Company | $277/mo | $293/mo | $345/mo | $406/mo |
| Guarantee Trust Life Insurance Company | $286/mo | $304/mo | $362/mo | $452/mo |
| AARP - UnitedHealthcare Insurance Company | $489/mo | $501/mo | $499/mo | $519/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 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company | $32/mo | $38/mo | $45/mo | $55/mo |
| Humana Insurance Company | $51/mo | $54/mo | $66/mo | $80/mo |
| Woodmen Of The World Life Insurance Society | $51/mo | $53/mo | $63/mo | $77/mo |
| United American Insurance Company | $57/mo | $76/mo | $96/mo | $125/mo |
| Medico Life and Health Insurance Company | $60/mo | $61/mo | $65/mo | $77/mo |
| HealthSpring Insurance Company | $69/mo | $71/mo | $83/mo | $102/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company | $35/mo | $41/mo | $50/mo | $61/mo |
| Humana Insurance Company | $57/mo | $61/mo | $74/mo | $90/mo |
| Woodmen Of The World Life Insurance Society | $58/mo | $60/mo | $72/mo | $89/mo |
| United American Insurance Company | $66/mo | $87/mo | $110/mo | $144/mo |
| Medico Life and Health Insurance Company | $69/mo | $70/mo | $75/mo | $90/mo |
| HealthSpring Insurance Company | $79/mo | $81/mo | $97/mo | $119/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 | $105/mo | $139/mo | $154/mo | $161/mo |
| AARP - UnitedHealthcare Insurance Company | $162/mo | $165/mo | $175/mo | $183/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $120/mo | $160/mo | $178/mo | $185/mo |
| AARP - UnitedHealthcare Insurance Company | $182/mo | $188/mo | $197/mo | $206/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 | $160/mo | $213/mo | $237/mo | $247/mo |
| AARP - UnitedHealthcare Insurance Company | $200/mo | $206/mo | $216/mo | $226/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $184/mo | $245/mo | $272/mo | $283/mo |
| AARP - UnitedHealthcare Insurance Company | $226/mo | $232/mo | $244/mo | $255/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 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company | $83/mo | $87/mo | $101/mo | $123/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company | $97/mo | $102/mo | $119/mo | $138/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 | $97/mo | $118/mo | $137/mo | $154/mo |
| New Era Life Insurance Company | $120/mo | $144/mo | $172/mo | $206/mo |
| AFLAC | $123/mo | $134/mo | $167/mo | $215/mo |
| Woodmen Of The World Life Insurance Society | $124/mo | $127/mo | $154/mo | $191/mo |
| Medico Life and Health Insurance Company | $128/mo | $129/mo | $138/mo | $163/mo |
| State Farm Mutual Automobile Insurance Company | $128/mo | $157/mo | $186/mo | $215/mo |
| HealthSpring Insurance Company | $130/mo | $144/mo | $171/mo | $208/mo |
| Humana Insurance Company | $147/mo | $156/mo | $189/mo | $230/mo |
| Wisconsin Physicians Service Insurance Corporation | $153/mo | $183/mo | $215/mo | $246/mo |
| Guarantee Trust Life Insurance Company | $162/mo | $172/mo | $205/mo | $256/mo |
| Aetna Health Insurance Company | $165/mo | $185/mo | $218/mo | $256/mo |
| United American Insurance Company | $227/mo | $290/mo | $339/mo | $386/mo |
| AARP - UnitedHealthcare Insurance Company | $356/mo | $366/mo | $369/mo | $384/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $105/mo | $127/mo | $148/mo | $166/mo |
| New Era Life Insurance Company | $136/mo | $163/mo | $195/mo | $233/mo |
| AFLAC | $140/mo | $153/mo | $192/mo | $246/mo |
| Woodmen Of The World Life Insurance Society | $143/mo | $146/mo | $177/mo | $219/mo |
| Medico Life and Health Insurance Company | $147/mo | $149/mo | $159/mo | $187/mo |
| State Farm Mutual Automobile Insurance Company | $134/mo | $176/mo | $213/mo | $248/mo |
| HealthSpring Insurance Company | $151/mo | $164/mo | $197/mo | $239/mo |
| Humana Insurance Company | $163/mo | $173/mo | $211/mo | $256/mo |
| Wisconsin Physicians Service Insurance Corporation | $168/mo | $201/mo | $237/mo | $271/mo |
| Guarantee Trust Life Insurance Company | $182/mo | $193/mo | $229/mo | $287/mo |
| Aetna Health Insurance Company | $190/mo | $212/mo | $251/mo | $295/mo |
| United American Insurance Company | $261/mo | $333/mo | $390/mo | $443/mo |
| AARP - UnitedHealthcare Insurance Company | $402/mo | $412/mo | $416/mo | $433/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 Texas 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 | $116 – $156/mo |
| w / 6% HHD | $137 – $184/mo | |
| Standard II w / 20% HHD | $175 – $234/mo | |
| Standard II w / 6% HHD | $205 – $275/mo | |
| Standard II | $218 – $293/mo | |
| Medico Life and Health Insurance Company | Preferred | $130 – $166/mo |
| Standard I | $143 – $183/mo | |
| Standard II | $163 – $208/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $393 – $427/mo |
| Level 2 | $970 – $1,006/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $134 – $180/mo |
| w / 6% HHD | $157 – $211/mo | |
| Standard II w / 20% HHD | $201 – $269/mo | |
| Standard II w / 6% HHD | $236 – $317/mo | |
| Standard II | $251 – $337/mo | |
| Medico Life and Health Insurance Company | Preferred | $150 – $191/mo |
| Standard I | $165 – $211/mo | |
| Standard II | $187 – $239/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $444 – $481/mo |
| Level 2 | $1,094 – $1,186/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 Texas 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 | $206 – $223/mo |
| Level 2 | $508 – $552/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $232 – $252/mo |
| Level 2 | $574 – $622/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 Texas 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 | $267 – $290/mo |
| Level 2 | $660 – $715/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $301 – $327/mo |
| Level 2 | $744 – $807/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 Texas 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 | $194 – $260/mo |
| w / 6% HHD | $228 – $306/mo | |
| Standard II w / 20% HHD | $291 – $391/mo | |
| Standard II w / 6% HHD | $342 – $459/mo | |
| Standard II | $364 – $488/mo | |
| Medico Life and Health Insurance Company | Preferred | $194 – $247/mo |
| Standard I | $213 – $272/mo | |
| Standard II | $242 – $309/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $269 – $291/mo |
| Level 2 | $664 – $719/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $223 – $299/mo |
| w / 6% HHD | $262 – $352/mo | |
| Standard II w / 20% HHD | $335 – $449/mo | |
| Standard II w / 6% HHD | $394 – $528/mo | |
| Standard II | $419 – $561/mo | |
| Medico Life and Health Insurance Company | Preferred | $223 – $284/mo |
| Standard I | $245 – $313/mo | |
| Standard II | $278 – $356/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $303 – $329/mo |
| Level 2 | $748 – $811/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 Texas carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Life and Health Insurance Company | Preferred | $58 – $74/mo |
| Standard I | $64 – $82/mo | |
| Standard II | $73 – $93/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Life and Health Insurance Company | Preferred | $67 – $85/mo |
| Standard I | $73 – $94/mo | |
| Standard II | $92 – $107/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 Texas 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 | $118 – $159/mo |
| w / 6% HHD | $139 – $186/mo | |
| Standard II w / 20% HHD | $177 – $238/mo | |
| Standard II w / 6% HHD | $208 – $279/mo | |
| Standard II | $222 – $297/mo | |
| Medico Life and Health Insurance Company | Preferred | $137 – $175/mo |
| Standard I | $151 – $193/mo | |
| Standard II | $171 – $219/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $204 – $222/mo |
| Level 2 | $628 – $680/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $136 – $182/mo |
| w / 6% HHD | $160 – $214/mo | |
| Standard II w / 20% HHD | $204 – $274/mo | |
| Standard II w / 6% HHD | $240 – $321/mo | |
| Standard II | $255 – $342/mo | |
| Medico Life and Health Insurance Company | Preferred | $158 – $202/mo |
| Standard I | $173 – $222/mo | |
| Standard II | $197 – $252/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $231 – $250/mo |
| Level 2 | $708 – $768/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 Texas 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 | $41 – $55/mo |
| w / 6% HHD | $48 – $64/mo | |
| Standard II w / 20% HHD | $61 – $82/mo | |
| Standard II w / 6% HHD | $72 – $97/mo | |
| Standard II | $89 – $103/mo | |
| Medico Life and Health Insurance Company | Preferred | $47 – $60/mo |
| Standard I | $52 – $67/mo | |
| Standard II | $59 – $76/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $47 – $63/mo |
| w / 6% HHD | $55 – $74/mo | |
| Standard II w / 20% HHD | $70 – $94/mo | |
| Standard II w / 6% HHD | $97 – $111/mo | |
| Standard II | $97 – $103/mo | |
| Medico Life and Health Insurance Company | Preferred | $54 – $70/mo |
| Standard I | $60 – $76/mo | |
| Standard II | $68 – $87/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 Texas 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 | $89 – $97/mo |
| Level 2 | $221 – $240/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $100 – $109/mo |
| Level 2 | $250 – $271/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 Texas 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 | $110 – $119/mo |
| Level 2 | $274 – $297/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $124 – $135/mo |
| Level 2 | $309 – $335/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 Texas 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 | $93 – $107/mo |
| w / 6% HHD | $94 – $103/mo | |
| Standard II w / 20% HHD | $120 – $160/mo | |
| Standard II w / 6% HHD | $140 – $188/mo | |
| Standard II | $149 – $200/mo | |
| Medico Life and Health Insurance Company | Preferred | $101 – $129/mo |
| Standard I | $111 – $142/mo | |
| Standard II | $126 – $161/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $175 – $190/mo |
| Level 2 | $509 – $552/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring Insurance Company | w / 20% HHD | $92 – $101/mo |
| w / 6% HHD | $108 – $144/mo | |
| Standard II w / 20% HHD | $137 – $184/mo | |
| Standard II w / 6% HHD | $162 – $217/mo | |
| Standard II | $172 – $230/mo | |
| Medico Life and Health Insurance Company | Preferred | $116 – $148/mo |
| Standard I | $127 – $163/mo | |
| Standard II | $145 – $185/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $198 – $215/mo |
| Level 2 | $574 – $622/mo |
Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.
Yes. Texas follows the standard 6-month federal Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this window, insurance carriers cannot deny you coverage, place conditions on your policy, or charge higher premiums based on pre-existing health conditions. This is the single best opportunity to lock in a competitive Plan G or Plan N rate in Texas — once it closes, most carriers will require medical underwriting.
Yes. Texas law requires Medigap insurers to offer at least one plan (Plan A or Plan C, where available) to Medicare beneficiaries under 65 who qualify due to disability or End-Stage Renal Disease (ESRD). However, premiums for under-65 enrollees are typically significantly higher than for those 65 and older, and not all carriers participate in the under-65 market. A licensed agent can help you identify which carriers offer the most competitive rates for your situation.
No. Unlike states such as Florida, California, and Oregon, Texas does not have a birthday rule that allows you to switch Medigap carriers annually without medical underwriting. Outside of your initial 6-month Open Enrollment Period or a qualifying guaranteed issue event, switching plans in Texas generally requires answering health questions and passing medical underwriting. This is why choosing the right plan and carrier during your initial enrollment window is especially important in Texas.
All Medigap rate increases in Texas must be filed with and approved by the Texas Department of Insurance (TDI) before they take effect. Carriers must provide actuarial justification for any proposed increase. TDI reviews these filings to ensure they are reasonable and not excessive. While this does not prevent rate increases, it does provide a layer of consumer protection. Most Texas Medigap carriers use attained-age rating, meaning your premium increases as you age — making it important to compare rate increase histories when selecting a carrier.
Texas provides guaranteed issue rights in several situations beyond the initial Open Enrollment Period. You may be eligible if your Medicare Advantage plan leaves your area or stops participating in Medicare, if your Medigap insurer goes bankrupt, or if you lose employer group coverage that supplemented Medicare. In these cases, you can switch to a Medigap plan without medical underwriting. Texas also provides a 30-day free look period on all new Medigap policies, giving you time to review the policy and cancel for a full refund if it doesn't meet your needs.
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.
Connecting you with a real licensed insurance agent…
Get real-time updates about your rate comparison and plan options delivered straight to your phone.
If you entered a landline above, update this to your cell number.
By opting in, you consent to receive SMS/text messages from United Medicare Advisors at the cell phone number provided regarding your Medicare plan options. Message frequency varies. Message & data rates may apply. Reply STOP to cancel at any time. Reply HELP for assistance. This consent is not a condition of purchase. View our Privacy Policy and Terms of Use.
Thank you for requesting your personalized Medicare rate comparison. A licensed UMA agent will be reaching out to you shortly.
Return to Homepage