Compare 2026 Medicare Supplement (Medigap) rates in Utah. Our licensed, independent agents help you find the best plan at the best price — whether you're new to Medicare or looking to switch carriers.
2026 averages for age 65, non-tobacco. Rates vary by carrier, ZIP, and underwriting.
2026 average monthly premiums for non-tobacco users across all carriers.
| Age | Avg. Monthly Rate |
|---|---|
| 65 | $268/mo |
| 70 | $286/mo |
| 75 | $325/mo |
| 80 | $356/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 Utah. 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 | $101/mo | $122/mo | $131/mo | $131/mo |
| WMI Mutual Insurance Company | $102/mo | $117/mo | $141/mo | $166/mo |
| Omaha Insurance Company | $113/mo | $127/mo | $151/mo | $178/mo |
| First Health Life & Health Insurance Company | $123/mo | $140/mo | $155/mo | $162/mo |
| State Farm Mutual Automobile Insurance Company | $123/mo | $155/mo | $179/mo | $202/mo |
| AARP - UnitedHealthcare Insurance Company | $124/mo | $137/mo | $168/mo | $199/mo |
| Philadelphia American Life Insurance Company | $131/mo | $135/mo | $153/mo | $174/mo |
| American Benefit Life Insurance Company | $137/mo | $141/mo | $172/mo | $207/mo |
| MedMutual Protect | $138/mo | $148/mo | $173/mo | $203/mo |
| Humana Insurance Company | $158/mo | $176/mo | $211/mo | $257/mo |
| Educators Mutual Insurance Association | $166/mo | $208/mo | $243/mo | $267/mo |
| Aetna Health and Life Insurance Company | $173/mo | $184/mo | $216/mo | $254/mo |
| AFLAC | $175/mo | $192/mo | $225/mo | $258/mo |
| Bankers Fidelity Assurance Company | $184/mo | $202/mo | $235/mo | $269/mo |
| GPM Health and Life Insurance Company | $245/mo | $271/mo | $324/mo | $374/mo |
| Guarantee Trust Life Insurance Company | $265/mo | $282/mo | $317/mo | $367/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $116/mo | $141/mo | $150/mo | $151/mo |
| WMI Mutual Insurance Company Lowest | $102/mo | $117/mo | $141/mo | $166/mo |
| Omaha Insurance Company | $129/mo | $145/mo | $173/mo | $205/mo |
| First Health Life & Health Insurance Company | $135/mo | $153/mo | $170/mo | $178/mo |
| State Farm Mutual Automobile Insurance Company | $134/mo | $168/mo | $195/mo | $218/mo |
| AARP - UnitedHealthcare Insurance Company | $140/mo | $154/mo | $189/mo | $224/mo |
| Philadelphia American Life Insurance Company | $144/mo | $148/mo | $168/mo | $191/mo |
| American Benefit Life Insurance Company | $158/mo | $162/mo | $197/mo | $238/mo |
| MedMutual Protect | $152/mo | $162/mo | $190/mo | $223/mo |
| Humana Insurance Company | $169/mo | $188/mo | $225/mo | $274/mo |
| Educators Mutual Insurance Association | $198/mo | $248/mo | $290/mo | $319/mo |
| Aetna Health and Life Insurance Company | $199/mo | $211/mo | $248/mo | $292/mo |
| AFLAC | $201/mo | $220/mo | $258/mo | $296/mo |
| Bankers Fidelity Assurance Company | $206/mo | $226/mo | $263/mo | $301/mo |
| GPM Health and Life Insurance Company | $282/mo | $312/mo | $373/mo | $430/mo |
| Guarantee Trust Life Insurance Company | $297/mo | $316/mo | $359/mo | $416/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 | $141/mo | $164/mo | $186/mo | $203/mo |
| AARP - UnitedHealthcare Insurance Company | $183/mo | $201/mo | $247/mo | $292/mo |
| United American Insurance Company | $187/mo | $233/mo | $256/mo | $259/mo |
| Aetna Health and Life Insurance Company | $195/mo | $207/mo | $244/mo | $287/mo |
| Educators Mutual Insurance Association | $226/mo | $282/mo | $331/mo | $362/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $154/mo | $179/mo | $203/mo | $221/mo |
| AARP - UnitedHealthcare Insurance Company | $206/mo | $227/mo | $278/mo | $329/mo |
| United American Insurance Company | $215/mo | $268/mo | $295/mo | $297/mo |
| Aetna Health and Life Insurance Company | $225/mo | $238/mo | $281/mo | $330/mo |
| Educators Mutual Insurance Association | $270/mo | $338/mo | $395/mo | $433/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $201/mo | $253/mo | $293/mo | $329/mo |
| AARP - UnitedHealthcare Insurance Company | $218/mo | $239/mo | $293/mo | $347/mo |
| United American Insurance Company | $225/mo | $283/mo | $322/mo | $349/mo |
| Educators Mutual Insurance Association | $279/mo | $352/mo | $412/mo | $453/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $218/mo | $274/mo | $318/mo | $357/mo |
| AARP - UnitedHealthcare Insurance Company | $246/mo | $270/mo | $331/mo | $392/mo |
| United American Insurance Company | $258/mo | $326/mo | $371/mo | $402/mo |
| Educators Mutual Insurance Association | $334/mo | $420/mo | $492/mo | $541/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 | $146/mo | $161/mo | $193/mo | $228/mo |
| State Farm Mutual Automobile Insurance Company | $156/mo | $192/mo | $226/mo | $256/mo |
| United American Insurance Company | $229/mo | $295/mo | $338/mo | $368/mo |
| MedMutual Protect | $270/mo | $288/mo | $338/mo | $397/mo |
| Educators Mutual Insurance Association | $274/mo | $344/mo | $405/mo | $445/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company Lowest | $160/mo | $177/mo | $212/mo | $250/mo |
| State Farm Mutual Automobile Insurance Company | $160/mo | $211/mo | $255/mo | $294/mo |
| United American Insurance Company | $263/mo | $339/mo | $389/mo | $423/mo |
| MedMutual Protect | $297/mo | $317/mo | $372/mo | $436/mo |
| Educators Mutual Insurance Association | $328/mo | $412/mo | $484/mo | $532/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 |
|---|---|---|---|---|
| MedMutual Protect Lowest | $147/mo | $157/mo | $184/mo | $216/mo |
| American Benefit Life Insurance Company | $165/mo | $172/mo | $207/mo | $247/mo |
| First Health Life & Health Insurance Company | $166/mo | $193/mo | $221/mo | $244/mo |
| WMI Mutual Insurance Company | $168/mo | $194/mo | $232/mo | $274/mo |
| AFLAC | $182/mo | $193/mo | $232/mo | $280/mo |
| United American Insurance Company | $200/mo | $253/mo | $287/mo | $311/mo |
| State Farm Mutual Automobile Insurance Company | $203/mo | $256/mo | $296/mo | $333/mo |
| Bankers Fidelity Assurance Company | $221/mo | $241/mo | $284/mo | $335/mo |
| AARP - UnitedHealthcare Insurance Company | $229/mo | $251/mo | $308/mo | $365/mo |
| Educators Mutual Insurance Association | $244/mo | $309/mo | $360/mo | $391/mo |
| Philadelphia American Life Insurance Company | $252/mo | $260/mo | $304/mo | $346/mo |
| Aetna Health and Life Insurance Company | $273/mo | $289/mo | $340/mo | $400/mo |
| Humana Insurance Company | $284/mo | $317/mo | $379/mo | $461/mo |
| GPM Health and Life Insurance Company | $314/mo | $347/mo | $415/mo | $478/mo |
| Guarantee Trust Life Insurance Company | $337/mo | $357/mo | $425/mo | $531/mo |
| Omaha Insurance Company | $358/mo | $403/mo | $479/mo | $567/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect Lowest | $162/mo | $173/mo | $203/mo | $238/mo |
| American Benefit Life Insurance Company | $190/mo | $198/mo | $238/mo | $285/mo |
| First Health Life & Health Insurance Company | $180/mo | $210/mo | $240/mo | $265/mo |
| WMI Mutual Insurance Company | $168/mo | $194/mo | $232/mo | $274/mo |
| AFLAC | $208/mo | $221/mo | $266/mo | $320/mo |
| United American Insurance Company | $230/mo | $290/mo | $330/mo | $357/mo |
| State Farm Mutual Automobile Insurance Company | $220/mo | $277/mo | $321/mo | $361/mo |
| Bankers Fidelity Assurance Company | $248/mo | $270/mo | $318/mo | $375/mo |
| AARP - UnitedHealthcare Insurance Company | $258/mo | $284/mo | $348/mo | $412/mo |
| Educators Mutual Insurance Association | $291/mo | $369/mo | $430/mo | $467/mo |
| Philadelphia American Life Insurance Company | $278/mo | $287/mo | $334/mo | $381/mo |
| Aetna Health and Life Insurance Company | $313/mo | $332/mo | $391/mo | $460/mo |
| Humana Insurance Company | $304/mo | $338/mo | $405/mo | $492/mo |
| GPM Health and Life Insurance Company | $361/mo | $399/mo | $477/mo | $550/mo |
| Guarantee Trust Life Insurance Company | $377/mo | $400/mo | $476/mo | $595/mo |
| Omaha Insurance Company | $412/mo | $463/mo | $551/mo | $652/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 | $37/mo | $42/mo | $50/mo | $61/mo |
| Humana Insurance Company | $41/mo | $46/mo | $55/mo | $67/mo |
| United American Insurance Company | $49/mo | $65/mo | $81/mo | $88/mo |
| Omaha Insurance Company | $55/mo | $62/mo | $73/mo | $87/mo |
| Aetna Health and Life Insurance Company | $58/mo | $61/mo | $72/mo | $85/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company Lowest | $41/mo | $46/mo | $55/mo | $68/mo |
| Humana Insurance Company | $44/mo | $49/mo | $59/mo | $72/mo |
| United American Insurance Company | $56/mo | $74/mo | $93/mo | $101/mo |
| Omaha Insurance Company | $63/mo | $71/mo | $84/mo | $100/mo |
| Aetna Health and Life Insurance Company | $66/mo | $70/mo | $83/mo | $97/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 |
|---|---|---|---|---|
| MedMutual Protect Lowest | $132/mo | $141/mo | $166/mo | $194/mo |
| American Benefit Life Insurance Company | $138/mo | $142/mo | $173/mo | $208/mo |
| WMI Mutual Insurance Company | $145/mo | $166/mo | $200/mo | $236/mo |
| State Farm Mutual Automobile Insurance Company | $156/mo | $192/mo | $226/mo | $257/mo |
| First Health Life & Health Insurance Company | $160/mo | $187/mo | $215/mo | $239/mo |
| AFLAC | $161/mo | $169/mo | $204/mo | $245/mo |
| Educators Mutual Insurance Association | $172/mo | $218/mo | $255/mo | $279/mo |
| Bankers Fidelity Assurance Company | $185/mo | $204/mo | $244/mo | $291/mo |
| AARP - UnitedHealthcare Insurance Company | $186/mo | $205/mo | $251/mo | $297/mo |
| Philadelphia American Life Insurance Company | $190/mo | $197/mo | $228/mo | $255/mo |
| Aetna Health and Life Insurance Company | $213/mo | $226/mo | $266/mo | $313/mo |
| United American Insurance Company | $215/mo | $276/mo | $317/mo | $344/mo |
| Humana Insurance Company | $229/mo | $256/mo | $306/mo | $372/mo |
| GPM Health and Life Insurance Company | $257/mo | $284/mo | $340/mo | $392/mo |
| Guarantee Trust Life Insurance Company | $268/mo | $285/mo | $338/mo | $423/mo |
| Omaha Insurance Company | $284/mo | $319/mo | $380/mo | $450/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect | $146/mo | $155/mo | $182/mo | $214/mo |
| American Benefit Life Insurance Company | $158/mo | $163/mo | $198/mo | $240/mo |
| WMI Mutual Insurance Company Lowest | $145/mo | $166/mo | $200/mo | $236/mo |
| State Farm Mutual Automobile Insurance Company | $160/mo | $212/mo | $255/mo | $295/mo |
| First Health Life & Health Insurance Company | $173/mo | $203/mo | $233/mo | $259/mo |
| AFLAC | $184/mo | $194/mo | $233/mo | $281/mo |
| Educators Mutual Insurance Association | $206/mo | $261/mo | $305/mo | $334/mo |
| Bankers Fidelity Assurance Company | $207/mo | $229/mo | $274/mo | $326/mo |
| AARP - UnitedHealthcare Insurance Company | $210/mo | $231/mo | $283/mo | $335/mo |
| Philadelphia American Life Insurance Company | $209/mo | $217/mo | $251/mo | $281/mo |
| Aetna Health and Life Insurance Company | $245/mo | $260/mo | $306/mo | $360/mo |
| United American Insurance Company | $247/mo | $317/mo | $364/mo | $395/mo |
| Humana Insurance Company | $245/mo | $273/mo | $326/mo | $397/mo |
| GPM Health and Life Insurance Company | $296/mo | $327/mo | $391/mo | $451/mo |
| Guarantee Trust Life Insurance Company | $300/mo | $319/mo | $379/mo | $474/mo |
| Omaha Insurance Company | $327/mo | $367/mo | $437/mo | $517/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 | $30/mo | $34/mo | $40/mo | $49/mo |
| Bankers Fidelity Assurance Company | $36/mo | $39/mo | $46/mo | $55/mo |
| Humana Insurance Company | $41/mo | $46/mo | $55/mo | $66/mo |
| MedMutual Protect | $42/mo | $45/mo | $53/mo | $62/mo |
| Omaha Insurance Company | $42/mo | $50/mo | $58/mo | $67/mo |
| United American Insurance Company | $49/mo | $65/mo | $81/mo | $88/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company Lowest | $33/mo | $37/mo | $44/mo | $54/mo |
| Bankers Fidelity Assurance Company | $40/mo | $44/mo | $52/mo | $62/mo |
| Humana Insurance Company | $44/mo | $49/mo | $58/mo | $71/mo |
| MedMutual Protect | $47/mo | $50/mo | $58/mo | $68/mo |
| Omaha Insurance Company | $48/mo | $58/mo | $66/mo | $77/mo |
| United American Insurance Company | $56/mo | $74/mo | $93/mo | $101/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 | $65/mo | $72/mo | $88/mo | $105/mo |
| United American Insurance Company | $91/mo | $121/mo | $134/mo | $142/mo |
| Educators Mutual Insurance Association | $130/mo | $164/mo | $190/mo | $205/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $74/mo | $81/mo | $100/mo | $119/mo |
| United American Insurance Company | $105/mo | $139/mo | $154/mo | $163/mo |
| Educators Mutual Insurance Association | $156/mo | $196/mo | $227/mo | $245/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 | $67/mo | $74/mo | $99/mo | $107/mo |
| United American Insurance Company | $128/mo | $170/mo | $189/mo | $199/mo |
| Educators Mutual Insurance Association | $196/mo | $246/mo | $286/mo | $311/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company Lowest | $76/mo | $83/mo | $102/mo | $121/mo |
| United American Insurance Company | $147/mo | $196/mo | $217/mo | $229/mo |
| Educators Mutual Insurance Association | $235/mo | $294/mo | $341/mo | $371/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 | $82/mo | $90/mo | $111/mo | $133/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company Lowest | $93/mo | $101/mo | $126/mo | $150/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 | $106/mo | $123/mo | $137/mo |
| MedMutual Protect | $93/mo | $99/mo | $116/mo | $136/mo |
| American Benefit Life Insurance Company | $99/mo | $108/mo | $135/mo | $162/mo |
| Bankers Fidelity Assurance Company | $103/mo | $112/mo | $133/mo | $158/mo |
| WMI Mutual Insurance Company | $103/mo | $118/mo | $142/mo | $167/mo |
| AFLAC | $116/mo | $127/mo | $154/mo | $184/mo |
| State Farm Mutual Automobile Insurance Company | $119/mo | $145/mo | $172/mo | $199/mo |
| GPM Health and Life Insurance Company | $139/mo | $154/mo | $184/mo | $212/mo |
| Philadelphia American Life Insurance Company | $139/mo | $144/mo | $167/mo | $191/mo |
| Aetna Health and Life Insurance Company | $147/mo | $156/mo | $184/mo | $216/mo |
| AARP - UnitedHealthcare Insurance Company | $148/mo | $163/mo | $200/mo | $237/mo |
| Omaha Insurance Company | $152/mo | $171/mo | $203/mo | $241/mo |
| Educators Mutual Insurance Association | $171/mo | $215/mo | $254/mo | $277/mo |
| Humana Insurance Company | $172/mo | $192/mo | $229/mo | $279/mo |
| Guarantee Trust Life Insurance Company | $203/mo | $216/mo | $256/mo | $321/mo |
| United American Insurance Company | $259/mo | $335/mo | $387/mo | $428/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $98/mo | $114/mo | $132/mo | $148/mo |
| MedMutual Protect | $102/mo | $109/mo | $127/mo | $149/mo |
| American Benefit Life Insurance Company | $114/mo | $124/mo | $155/mo | $187/mo |
| Bankers Fidelity Assurance Company | $115/mo | $126/mo | $150/mo | $177/mo |
| WMI Mutual Insurance Company | $116/mo | $133/mo | $160/mo | $188/mo |
| AFLAC | $132/mo | $146/mo | $176/mo | $211/mo |
| State Farm Mutual Automobile Insurance Company | $124/mo | $163/mo | $196/mo | $229/mo |
| GPM Health and Life Insurance Company | $160/mo | $177/mo | $211/mo | $244/mo |
| Philadelphia American Life Insurance Company | $153/mo | $158/mo | $184/mo | $210/mo |
| Aetna Health and Life Insurance Company | $169/mo | $180/mo | $211/mo | $248/mo |
| AARP - UnitedHealthcare Insurance Company | $167/mo | $184/mo | $226/mo | $267/mo |
| Omaha Insurance Company | $175/mo | $196/mo | $234/mo | $277/mo |
| Educators Mutual Insurance Association | $205/mo | $257/mo | $304/mo | $331/mo |
| Humana Insurance Company | $184/mo | $205/mo | $245/mo | $298/mo |
| Guarantee Trust Life Insurance Company | $227/mo | $241/mo | $287/mo | $359/mo |
| United American Insurance Company | $297/mo | $385/mo | $444/mo | $492/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 | $101/mo | $122/mo | $131/mo | $131/mo |
| Omaha Insurance Company | $113/mo | $127/mo | $151/mo | $178/mo |
| WMI Mutual Insurance Company | $115/mo | $132/mo | $159/mo | $187/mo |
| First Health Life & Health Insurance Company | $123/mo | $140/mo | $155/mo | $162/mo |
| State Farm Mutual Automobile Insurance Company | $123/mo | $155/mo | $179/mo | $202/mo |
| American Benefit Life Insurance Company | $137/mo | $141/mo | $172/mo | $207/mo |
| MedMutual Protect | $138/mo | $148/mo | $173/mo | $203/mo |
| Philadelphia American Life Insurance Company | $138/mo | $142/mo | $160/mo | $183/mo |
| Humana Insurance Company | $158/mo | $176/mo | $211/mo | $257/mo |
| Educators Mutual Insurance Association | $166/mo | $208/mo | $243/mo | $267/mo |
| Aetna Health and Life Insurance Company | $173/mo | $184/mo | $216/mo | $254/mo |
| AFLAC | $175/mo | $192/mo | $225/mo | $258/mo |
| Bankers Fidelity Assurance Company | $202/mo | $222/mo | $258/mo | $295/mo |
| AARP - UnitedHealthcare Insurance Company | $230/mo | $236/mo | $249/mo | $259/mo |
| GPM Health and Life Insurance Company | $245/mo | $271/mo | $324/mo | $374/mo |
| Guarantee Trust Life Insurance Company | $265/mo | $282/mo | $317/mo | $367/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $116/mo | $141/mo | $150/mo | $151/mo |
| Omaha Insurance Company | $129/mo | $145/mo | $173/mo | $205/mo |
| WMI Mutual Insurance Company | $115/mo | $132/mo | $159/mo | $187/mo |
| First Health Life & Health Insurance Company | $135/mo | $153/mo | $170/mo | $178/mo |
| State Farm Mutual Automobile Insurance Company | $134/mo | $168/mo | $195/mo | $218/mo |
| American Benefit Life Insurance Company | $158/mo | $162/mo | $197/mo | $238/mo |
| MedMutual Protect | $152/mo | $162/mo | $190/mo | $223/mo |
| Philadelphia American Life Insurance Company | $152/mo | $156/mo | $176/mo | $201/mo |
| Humana Insurance Company | $169/mo | $188/mo | $225/mo | $274/mo |
| Educators Mutual Insurance Association | $198/mo | $248/mo | $290/mo | $319/mo |
| Aetna Health and Life Insurance Company | $199/mo | $211/mo | $248/mo | $292/mo |
| AFLAC | $201/mo | $220/mo | $258/mo | $296/mo |
| Bankers Fidelity Assurance Company | $226/mo | $249/mo | $289/mo | $331/mo |
| AARP - UnitedHealthcare Insurance Company | $259/mo | $267/mo | $280/mo | $293/mo |
| GPM Health and Life Insurance Company | $282/mo | $312/mo | $373/mo | $430/mo |
| Guarantee Trust Life Insurance Company | $297/mo | $316/mo | $359/mo | $416/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $141/mo | $164/mo | $186/mo | $203/mo |
| United American Insurance Company | $187/mo | $233/mo | $256/mo | $259/mo |
| Aetna Health and Life Insurance Company | $195/mo | $207/mo | $244/mo | $287/mo |
| Educators Mutual Insurance Association | $226/mo | $282/mo | $331/mo | $362/mo |
| AARP - UnitedHealthcare Insurance Company | $338/mo | $348/mo | $365/mo | $381/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $154/mo | $179/mo | $203/mo | $221/mo |
| United American Insurance Company | $215/mo | $268/mo | $295/mo | $297/mo |
| Aetna Health and Life Insurance Company | $225/mo | $238/mo | $281/mo | $330/mo |
| Educators Mutual Insurance Association | $270/mo | $338/mo | $395/mo | $433/mo |
| AARP - UnitedHealthcare Insurance Company | $381/mo | $392/mo | $412/mo | $430/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $201/mo | $253/mo | $293/mo | $329/mo |
| United American Insurance Company | $225/mo | $283/mo | $322/mo | $349/mo |
| Educators Mutual Insurance Association | $279/mo | $352/mo | $412/mo | $453/mo |
| AARP - UnitedHealthcare Insurance Company | $402/mo | $413/mo | $434/mo | $454/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $218/mo | $274/mo | $318/mo | $357/mo |
| United American Insurance Company | $258/mo | $326/mo | $371/mo | $402/mo |
| Educators Mutual Insurance Association | $334/mo | $420/mo | $492/mo | $541/mo |
| AARP - UnitedHealthcare Insurance Company | $453/mo | $466/mo | $490/mo | $512/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 | $153/mo | $169/mo | $202/mo | $239/mo |
| State Farm Mutual Automobile Insurance Company | $156/mo | $192/mo | $226/mo | $256/mo |
| United American Insurance Company | $229/mo | $295/mo | $338/mo | $368/mo |
| MedMutual Protect | $270/mo | $288/mo | $338/mo | $397/mo |
| Educators Mutual Insurance Association | $274/mo | $344/mo | $405/mo | $445/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company | $168/mo | $186/mo | $222/mo | $263/mo |
| State Farm Mutual Automobile Insurance Company | $160/mo | $211/mo | $255/mo | $294/mo |
| United American Insurance Company | $263/mo | $339/mo | $389/mo | $423/mo |
| MedMutual Protect | $297/mo | $317/mo | $372/mo | $436/mo |
| Educators Mutual Insurance Association | $328/mo | $412/mo | $484/mo | $532/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 |
|---|---|---|---|---|
| MedMutual Protect | $147/mo | $157/mo | $184/mo | $216/mo |
| American Benefit Life Insurance Company | $165/mo | $172/mo | $207/mo | $247/mo |
| First Health Life & Health Insurance Company | $166/mo | $193/mo | $221/mo | $244/mo |
| AFLAC | $182/mo | $193/mo | $232/mo | $280/mo |
| WMI Mutual Insurance Company | $189/mo | $218/mo | $262/mo | $308/mo |
| United American Insurance Company | $200/mo | $253/mo | $287/mo | $311/mo |
| State Farm Mutual Automobile Insurance Company | $203/mo | $256/mo | $296/mo | $333/mo |
| Bankers Fidelity Assurance Company | $243/mo | $266/mo | $312/mo | $369/mo |
| Educators Mutual Insurance Association | $244/mo | $309/mo | $360/mo | $391/mo |
| Philadelphia American Life Insurance Company | $265/mo | $274/mo | $319/mo | $364/mo |
| Aetna Health and Life Insurance Company | $273/mo | $289/mo | $340/mo | $400/mo |
| Humana Insurance Company | $284/mo | $317/mo | $379/mo | $461/mo |
| GPM Health and Life Insurance Company | $314/mo | $347/mo | $415/mo | $478/mo |
| Guarantee Trust Life Insurance Company | $337/mo | $357/mo | $425/mo | $531/mo |
| Omaha Insurance Company | $358/mo | $403/mo | $479/mo | $567/mo |
| AARP - UnitedHealthcare Insurance Company | $422/mo | $434/mo | $456/mo | $476/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect | $162/mo | $173/mo | $203/mo | $238/mo |
| American Benefit Life Insurance Company | $190/mo | $198/mo | $238/mo | $285/mo |
| First Health Life & Health Insurance Company | $180/mo | $210/mo | $240/mo | $265/mo |
| AFLAC | $208/mo | $221/mo | $266/mo | $320/mo |
| WMI Mutual Insurance Company | $189/mo | $218/mo | $262/mo | $308/mo |
| United American Insurance Company | $230/mo | $290/mo | $330/mo | $357/mo |
| State Farm Mutual Automobile Insurance Company | $220/mo | $277/mo | $321/mo | $361/mo |
| Bankers Fidelity Assurance Company | $273/mo | $297/mo | $350/mo | $413/mo |
| Educators Mutual Insurance Association | $291/mo | $369/mo | $430/mo | $467/mo |
| Philadelphia American Life Insurance Company | $291/mo | $301/mo | $351/mo | $400/mo |
| Aetna Health and Life Insurance Company | $313/mo | $332/mo | $391/mo | $460/mo |
| Humana Insurance Company | $304/mo | $338/mo | $405/mo | $492/mo |
| GPM Health and Life Insurance Company | $361/mo | $399/mo | $477/mo | $550/mo |
| Guarantee Trust Life Insurance Company | $377/mo | $400/mo | $476/mo | $595/mo |
| Omaha Insurance Company | $412/mo | $463/mo | $551/mo | $652/mo |
| AARP - UnitedHealthcare Insurance Company | $476/mo | $490/mo | $515/mo | $538/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 | $39/mo | $44/mo | $53/mo | $64/mo |
| Humana Insurance Company | $41/mo | $46/mo | $55/mo | $67/mo |
| United American Insurance Company | $49/mo | $65/mo | $81/mo | $88/mo |
| Omaha Insurance Company | $55/mo | $62/mo | $73/mo | $87/mo |
| Aetna Health and Life Insurance Company | $58/mo | $61/mo | $72/mo | $85/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company | $43/mo | $48/mo | $58/mo | $71/mo |
| Humana Insurance Company | $44/mo | $49/mo | $59/mo | $72/mo |
| United American Insurance Company | $56/mo | $74/mo | $93/mo | $101/mo |
| Omaha Insurance Company | $63/mo | $71/mo | $84/mo | $100/mo |
| Aetna Health and Life Insurance Company | $66/mo | $70/mo | $83/mo | $97/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 |
|---|---|---|---|---|
| MedMutual Protect | $132/mo | $141/mo | $166/mo | $194/mo |
| American Benefit Life Insurance Company | $138/mo | $142/mo | $173/mo | $208/mo |
| State Farm Mutual Automobile Insurance Company | $156/mo | $192/mo | $226/mo | $257/mo |
| First Health Life & Health Insurance Company | $160/mo | $187/mo | $215/mo | $239/mo |
| AFLAC | $161/mo | $169/mo | $204/mo | $245/mo |
| WMI Mutual Insurance Company | $164/mo | $187/mo | $225/mo | $266/mo |
| Educators Mutual Insurance Association | $172/mo | $218/mo | $255/mo | $279/mo |
| Philadelphia American Life Insurance Company | $199/mo | $207/mo | $239/mo | $268/mo |
| Bankers Fidelity Assurance Company | $203/mo | $225/mo | $269/mo | $320/mo |
| Aetna Health and Life Insurance Company | $213/mo | $226/mo | $266/mo | $313/mo |
| United American Insurance Company | $215/mo | $276/mo | $317/mo | $344/mo |
| Humana Insurance Company | $229/mo | $256/mo | $306/mo | $372/mo |
| GPM Health and Life Insurance Company | $257/mo | $284/mo | $340/mo | $392/mo |
| Guarantee Trust Life Insurance Company | $268/mo | $285/mo | $338/mo | $423/mo |
| Omaha Insurance Company | $284/mo | $319/mo | $380/mo | $450/mo |
| AARP - UnitedHealthcare Insurance Company | $394/mo | $404/mo | $405/mo | $422/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| MedMutual Protect | $146/mo | $155/mo | $182/mo | $214/mo |
| American Benefit Life Insurance Company | $158/mo | $163/mo | $198/mo | $240/mo |
| State Farm Mutual Automobile Insurance Company | $160/mo | $212/mo | $255/mo | $295/mo |
| First Health Life & Health Insurance Company | $173/mo | $203/mo | $233/mo | $259/mo |
| AFLAC | $184/mo | $194/mo | $233/mo | $281/mo |
| WMI Mutual Insurance Company | $164/mo | $187/mo | $225/mo | $266/mo |
| Educators Mutual Insurance Association | $206/mo | $261/mo | $305/mo | $334/mo |
| Philadelphia American Life Insurance Company | $219/mo | $228/mo | $263/mo | $295/mo |
| Bankers Fidelity Assurance Company | $228/mo | $252/mo | $301/mo | $358/mo |
| Aetna Health and Life Insurance Company | $245/mo | $260/mo | $306/mo | $360/mo |
| United American Insurance Company | $247/mo | $317/mo | $364/mo | $395/mo |
| Humana Insurance Company | $245/mo | $273/mo | $326/mo | $397/mo |
| GPM Health and Life Insurance Company | $296/mo | $327/mo | $391/mo | $451/mo |
| Guarantee Trust Life Insurance Company | $300/mo | $319/mo | $379/mo | $474/mo |
| Omaha Insurance Company | $327/mo | $367/mo | $437/mo | $517/mo |
| AARP - UnitedHealthcare Insurance Company | $445/mo | $456/mo | $458/mo | $476/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company | $31/mo | $35/mo | $42/mo | $52/mo |
| Bankers Fidelity Assurance Company | $39/mo | $43/mo | $51/mo | $60/mo |
| Humana Insurance Company | $41/mo | $46/mo | $55/mo | $66/mo |
| MedMutual Protect | $42/mo | $45/mo | $53/mo | $62/mo |
| Omaha Insurance Company | $42/mo | $50/mo | $58/mo | $67/mo |
| United American Insurance Company | $49/mo | $65/mo | $81/mo | $88/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company | $34/mo | $39/mo | $47/mo | $57/mo |
| Bankers Fidelity Assurance Company | $44/mo | $48/mo | $57/mo | $68/mo |
| Humana Insurance Company | $44/mo | $49/mo | $58/mo | $71/mo |
| MedMutual Protect | $47/mo | $50/mo | $58/mo | $68/mo |
| Omaha Insurance Company | $48/mo | $58/mo | $66/mo | $77/mo |
| United American Insurance Company | $56/mo | $74/mo | $93/mo | $101/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 | $91/mo | $121/mo | $134/mo | $142/mo |
| AARP - UnitedHealthcare Insurance Company | $121/mo | $125/mo | $131/mo | $137/mo |
| Educators Mutual Insurance Association | $130/mo | $164/mo | $190/mo | $205/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $105/mo | $139/mo | $154/mo | $163/mo |
| AARP - UnitedHealthcare Insurance Company | $137/mo | $141/mo | $148/mo | $155/mo |
| Educators Mutual Insurance Association | $156/mo | $196/mo | $227/mo | $245/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company | $125/mo | $128/mo | $136/mo | $141/mo |
| United American Insurance Company | $128/mo | $170/mo | $189/mo | $199/mo |
| Educators Mutual Insurance Association | $196/mo | $246/mo | $286/mo | $311/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company | $141/mo | $145/mo | $152/mo | $159/mo |
| United American Insurance Company | $147/mo | $196/mo | $217/mo | $229/mo |
| Educators Mutual Insurance Association | $235/mo | $294/mo | $341/mo | $371/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 | $86/mo | $94/mo | $117/mo | $139/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Philadelphia American Life Insurance Company | $98/mo | $106/mo | $132/mo | $158/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $90/mo | $106/mo | $123/mo | $137/mo |
| MedMutual Protect | $93/mo | $99/mo | $116/mo | $136/mo |
| American Benefit Life Insurance Company | $99/mo | $108/mo | $135/mo | $162/mo |
| Bankers Fidelity Assurance Company | $113/mo | $123/mo | $146/mo | $174/mo |
| AFLAC | $116/mo | $127/mo | $154/mo | $184/mo |
| WMI Mutual Insurance Company | $116/mo | $133/mo | $160/mo | $188/mo |
| State Farm Mutual Automobile Insurance Company | $119/mo | $145/mo | $172/mo | $199/mo |
| GPM Health and Life Insurance Company | $139/mo | $154/mo | $184/mo | $212/mo |
| Philadelphia American Life Insurance Company | $146/mo | $151/mo | $176/mo | $200/mo |
| Aetna Health and Life Insurance Company | $147/mo | $156/mo | $184/mo | $216/mo |
| Omaha Insurance Company | $152/mo | $171/mo | $203/mo | $241/mo |
| Educators Mutual Insurance Association | $171/mo | $215/mo | $254/mo | $277/mo |
| Humana Insurance Company | $172/mo | $192/mo | $229/mo | $279/mo |
| Guarantee Trust Life Insurance Company | $203/mo | $216/mo | $256/mo | $321/mo |
| United American Insurance Company | $259/mo | $335/mo | $387/mo | $428/mo |
| AARP - UnitedHealthcare Insurance Company | $293/mo | $301/mo | $309/mo | $322/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $98/mo | $114/mo | $132/mo | $148/mo |
| MedMutual Protect | $102/mo | $109/mo | $127/mo | $149/mo |
| American Benefit Life Insurance Company | $114/mo | $124/mo | $155/mo | $187/mo |
| Bankers Fidelity Assurance Company | $127/mo | $138/mo | $164/mo | $195/mo |
| AFLAC | $132/mo | $146/mo | $176/mo | $211/mo |
| WMI Mutual Insurance Company | $131/mo | $150/mo | $180/mo | $212/mo |
| State Farm Mutual Automobile Insurance Company | $124/mo | $163/mo | $196/mo | $229/mo |
| GPM Health and Life Insurance Company | $160/mo | $177/mo | $211/mo | $244/mo |
| Philadelphia American Life Insurance Company | $161/mo | $166/mo | $193/mo | $220/mo |
| Aetna Health and Life Insurance Company | $169/mo | $180/mo | $211/mo | $248/mo |
| Omaha Insurance Company | $175/mo | $196/mo | $234/mo | $277/mo |
| Educators Mutual Insurance Association | $205/mo | $257/mo | $304/mo | $331/mo |
| Humana Insurance Company | $184/mo | $205/mo | $245/mo | $298/mo |
| Guarantee Trust Life Insurance Company | $227/mo | $241/mo | $287/mo | $359/mo |
| United American Insurance Company | $297/mo | $385/mo | $444/mo | $492/mo |
| AARP - UnitedHealthcare Insurance Company | $331/mo | $340/mo | $349/mo | $364/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 Utah 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 | $124 – $140/mo |
| Level 2 | $308 – $347/mo | |
| Bankers Fidelity Assurance Company | Preferred | $184/mo |
| Standard | $221/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $140 – $158/mo |
| Level 2 | $348 – $391/mo | |
| Bankers Fidelity Assurance Company | Preferred | $206/mo |
| Standard | $247/mo |
Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.
Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes
Why this matters: Carriers price the same Plan 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 Utah carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $183 – $206/mo |
| Level 2 | $453 – $510/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $206 – $233/mo |
| Level 2 | $511 – $575/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 Utah 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 | $218 – $245/mo |
| Level 2 | $538 – $606/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $246 – $277/mo |
| Level 2 | $607 – $684/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 Utah carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $221/mo |
| Standard | $266/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $229 – $258/mo |
| Level 2 | $565 – $636/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $248/mo |
| Standard | $297/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $258 – $291/mo |
| Level 2 | $638 – $718/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 Utah carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $185/mo |
| Standard | $222/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $186 – $210/mo |
| Level 2 | $556 – $626/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $207/mo |
| Standard | $249/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $210 – $237/mo |
| Level 2 | $627 – $707/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 Utah carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $36/mo |
| Standard | $43/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $40/mo |
| Standard | $48/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 Utah 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 | $65 – $73/mo |
| Level 2 | $163 – $184/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $74 – $83/mo |
| Level 2 | $184 – $208/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 Utah 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 | $67 – $76/mo |
| Level 2 | $167 – $189/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $76 – $85/mo |
| Level 2 | $189 – $213/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 Utah carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $103/mo |
| Standard | $123/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $148 – $167/mo |
| Level 2 | $404 – $455/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Bankers Fidelity Assurance Company | Preferred | $115/mo |
| Standard | $138/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $167 – $189/mo |
| Level 2 | $456 – $514/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. Utah strictly observes the standard federal 6-month Medigap Open Enrollment Period. This critical, one-time window automatically triggers on the first day of the month you are 65 or older and actively enrolled in Medicare Part B. For those six months, private insurance companies must treat you with true Utah hospitality: they are legally prohibited from putting you through medical underwriting, cannot ask about your health history, and must sell you any plan they offer at standard, healthy-person rates.
For the vast majority of folks living from Salt Lake City to the red rocks of Moab, Medicare eligibility officially begins at age 65. Your main opportunity to enroll is a seven-month window called the Initial Enrollment Period. This timeline kicks off three months before your 65th birthday month, includes the month you blow out the candles, and extends for three months after. While certain individuals cross the starting line early due to qualifying long-term disabilities, 65 is the standard milestone for most Utahns.
Yes. You can qualify for Original Medicare early if you have received Social Security Disability Insurance (SSDI) benefits for 24 months, or if you have specific conditions like ALS or End-Stage Renal Disease (ESRD). However, Utah law does not require private insurance companies to sell Medigap policies to disabled beneficiaries under age 65, so it can be difficult or costly to find a Medigap plan if you're under 65.
Yes. Thanks to state law updates that went into effect recently (May 2025), Utah now features an official birthday rule. Every year, starting on your birthday and lasting for a full 60 days, you get a protected window to switch your current Medigap policy to a plan of equal or lesser coverage (a comparable or lower tier). You must stay with your current insurance company or an affiliate. However, your carrier cannot ask health questions or put you through underwriting during this time.
You have multiple guaranteed issue rights. You automatically trigger federal protections during qualifying life events such as an employer group health plan ending or a Medicare Advantage plan pulling out of your county. During these events, private insurers cannot look at your medical history or deny you a policy. On top of that, Utah's annual birthday rule functions as a built-in state protection, guaranteeing you the right to switch plans laterally within your current carrier each year without underwriting.
Have more questions? Browse our complete FAQ library or call 1 (855) 665-9200
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PLEASE NOTE: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.
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