Compare 2026 Medicare Supplement (Medigap) rates in Virginia. 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 | $221/mo |
| 70 | $236/mo |
| 75 | $271/mo |
| 80 | $308/mo |
Rates are statewide averages across all carriers. Your actual premium will vary by carrier, zip code, health status, and underwriting factors. Get a personalized quote for exact pricing.
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 Virginia. 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 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $85/mo | $107/mo | $124/mo | $139/mo |
| Woodmen Of The World Life Insurance Society | $114/mo | $116/mo | $139/mo | $174/mo |
| Medico Corp Insurance Company | $118/mo | $121/mo | $140/mo | $170/mo |
| American Benefit Life Insurance Company | $130/mo | $133/mo | $162/mo | $197/mo |
| Insurance Company of North America | $134/mo | $135/mo | $161/mo | $196/mo |
| AARP - UnitedHealthcare Insurance Company | $136/mo | $149/mo | $183/mo | $217/mo |
| Transamerica Life Insurance Company | $137/mo | $172/mo | $210/mo | $247/mo |
| AFLAC | $141/mo | $150/mo | $183/mo | $231/mo |
| Washington National Insurance Company | $148/mo | $191/mo | $244/mo | $305/mo |
| Erie Family Life Insurance Company | $190/mo | $208/mo | $244/mo | $279/mo |
| GPM Health and Life Insurance Company | $237/mo | $262/mo | $313/mo | $362/mo |
| Guarantee Trust Life Insurance Company | $248/mo | $263/mo | $296/mo | $342/mo |
| CareFirst BlueChoice, Inc. | $824/mo | $1,042/mo | $1,265/mo | $1,489/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company Lowest | $92/mo | $116/mo | $135/mo | $151/mo |
| Woodmen Of The World Life Insurance Society | $131/mo | $133/mo | $160/mo | $201/mo |
| Medico Corp Insurance Company | $133/mo | $136/mo | $158/mo | $191/mo |
| American Benefit Life Insurance Company | $149/mo | $153/mo | $187/mo | $227/mo |
| Insurance Company of North America | $151/mo | $153/mo | $182/mo | $221/mo |
| AARP - UnitedHealthcare Insurance Company | $155/mo | $170/mo | $209/mo | $247/mo |
| Transamerica Life Insurance Company | $150/mo | $192/mo | $239/mo | $283/mo |
| AFLAC | $161/mo | $172/mo | $209/mo | $265/mo |
| Washington National Insurance Company | $164/mo | $212/mo | $271/mo | $339/mo |
| Erie Family Life Insurance Company | $219/mo | $239/mo | $280/mo | $321/mo |
| GPM Health and Life Insurance Company | $273/mo | $301/mo | $361/mo | $416/mo |
| Guarantee Trust Life Insurance Company | $277/mo | $295/mo | $335/mo | $388/mo |
| CareFirst BlueChoice, Inc. | $878/mo | $1,110/mo | $1,348/mo | $1,598/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 |
|---|---|---|---|---|
| Transamerica Life Insurance Company Lowest | $166/mo | $209/mo | $255/mo | $300/mo |
| AARP - UnitedHealthcare Insurance Company | $170/mo | $186/mo | $229/mo | $271/mo |
| CareFirst BlueChoice, Inc. | $219/mo | $278/mo | $338/mo | $398/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Transamerica Life Insurance Company Lowest | $182/mo | $233/mo | $290/mo | $344/mo |
| AARP - UnitedHealthcare Insurance Company | $193/mo | $213/mo | $261/mo | $309/mo |
| CareFirst BlueChoice, Inc. | $234/mo | $296/mo | $360/mo | $427/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 |
|---|---|---|---|---|
| Transamerica Life Insurance Company Lowest | $197/mo | $247/mo | $301/mo | $355/mo |
| AARP - UnitedHealthcare Insurance Company | $212/mo | $233/mo | $286/mo | $338/mo |
| State Farm Mutual Automobile Insurance Company | $221/mo | $278/mo | $322/mo | $362/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Transamerica Life Insurance Company Lowest | $216/mo | $276/mo | $344/mo | $407/mo |
| AARP - UnitedHealthcare Insurance Company | $242/mo | $266/mo | $326/mo | $386/mo |
| State Farm Mutual Automobile Insurance Company | $239/mo | $301/mo | $349/mo | $392/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 |
|---|---|---|---|---|
| Transamerica Life Insurance Company Lowest | $149/mo | $188/mo | $229/mo | $270/mo |
| State Farm Mutual Automobile Insurance Company | $166/mo | $204/mo | $240/mo | $273/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Transamerica Life Insurance Company Lowest | $164/mo | $209/mo | $261/mo | $309/mo |
| State Farm Mutual Automobile Insurance Company | $170/mo | $225/mo | $271/mo | $314/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 |
|---|---|---|---|---|
| Woodmen Of The World Life Insurance Society Lowest | $142/mo | $142/mo | $168/mo | $203/mo |
| Medico Corp Insurance Company | $144/mo | $147/mo | $172/mo | $214/mo |
| American Benefit Life Insurance Company | $159/mo | $165/mo | $198/mo | $240/mo |
| AFLAC | $169/mo | $182/mo | $223/mo | $271/mo |
| Insurance Company of North America | $170/mo | $176/mo | $209/mo | $254/mo |
| Washington National Insurance Company | $189/mo | $229/mo | $278/mo | $332/mo |
| Transamerica Life Insurance Company | $198/mo | $249/mo | $303/mo | $357/mo |
| Erie Family Life Insurance Company | $205/mo | $228/mo | $263/mo | $308/mo |
| AARP - UnitedHealthcare Insurance Company | $213/mo | $235/mo | $287/mo | $340/mo |
| State Farm Mutual Automobile Insurance Company | $223/mo | $281/mo | $325/mo | $365/mo |
| CareFirst BlueChoice, Inc. | $242/mo | $306/mo | $372/mo | $438/mo |
| Guarantee Trust Life Insurance Company | $301/mo | $320/mo | $380/mo | $475/mo |
| GPM Health and Life Insurance Company | $345/mo | $381/mo | $456/mo | $526/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Woodmen Of The World Life Insurance Society | $163/mo | $163/mo | $193/mo | $233/mo |
| Medico Corp Insurance Company Lowest | $162/mo | $166/mo | $194/mo | $241/mo |
| American Benefit Life Insurance Company | $182/mo | $190/mo | $228/mo | $276/mo |
| AFLAC | $194/mo | $209/mo | $255/mo | $310/mo |
| Insurance Company of North America | $193/mo | $198/mo | $236/mo | $287/mo |
| Washington National Insurance Company | $210/mo | $255/mo | $309/mo | $368/mo |
| Transamerica Life Insurance Company | $217/mo | $278/mo | $346/mo | $410/mo |
| Erie Family Life Insurance Company | $235/mo | $262/mo | $302/mo | $354/mo |
| AARP - UnitedHealthcare Insurance Company | $243/mo | $267/mo | $327/mo | $388/mo |
| State Farm Mutual Automobile Insurance Company | $242/mo | $304/mo | $353/mo | $396/mo |
| CareFirst BlueChoice, Inc. | $258/mo | $326/mo | $397/mo | $470/mo |
| Guarantee Trust Life Insurance Company | $337/mo | $358/mo | $426/mo | $532/mo |
| GPM Health and Life Insurance Company | $397/mo | $438/mo | $524/mo | $605/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 |
|---|---|---|---|---|
| Medico Corp Insurance Company Lowest | $40/mo | $41/mo | $48/mo | $60/mo |
| CareFirst BlueChoice, Inc. | $53/mo | $68/mo | $83/mo | $98/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Medico Corp Insurance Company Lowest | $45/mo | $46/mo | $54/mo | $67/mo |
| CareFirst BlueChoice, Inc. | $57/mo | $73/mo | $88/mo | $105/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 |
|---|---|---|---|---|
| Woodmen Of The World Life Insurance Society Lowest | $115/mo | $116/mo | $140/mo | $175/mo |
| Medico Corp Insurance Company | $119/mo | $123/mo | $146/mo | $184/mo |
| American Benefit Life Insurance Company | $130/mo | $134/mo | $163/mo | $198/mo |
| Washington National Insurance Company | $134/mo | $172/mo | $221/mo | $276/mo |
| Insurance Company of North America | $135/mo | $137/mo | $162/mo | $198/mo |
| AFLAC | $142/mo | $151/mo | $184/mo | $233/mo |
| Transamerica Life Insurance Company | $149/mo | $188/mo | $229/mo | $269/mo |
| AARP - UnitedHealthcare Insurance Company | $164/mo | $181/mo | $222/mo | $263/mo |
| State Farm Mutual Automobile Insurance Company | $167/mo | $204/mo | $241/mo | $273/mo |
| Erie Family Life Insurance Company | $175/mo | $183/mo | $215/mo | $250/mo |
| CareFirst BlueChoice, Inc. | $194/mo | $246/mo | $299/mo | $352/mo |
| GPM Health and Life Insurance Company | $248/mo | $273/mo | $327/mo | $377/mo |
| Guarantee Trust Life Insurance Company | $254/mo | $270/mo | $321/mo | $402/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Woodmen Of The World Life Insurance Society Lowest | $132/mo | $134/mo | $161/mo | $202/mo |
| Medico Corp Insurance Company | $134/mo | $138/mo | $164/mo | $207/mo |
| American Benefit Life Insurance Company | $150/mo | $154/mo | $188/mo | $228/mo |
| Washington National Insurance Company | $148/mo | $191/mo | $245/mo | $306/mo |
| Insurance Company of North America | $152/mo | $155/mo | $184/mo | $223/mo |
| AFLAC | $162/mo | $173/mo | $210/mo | $266/mo |
| Transamerica Life Insurance Company | $164/mo | $209/mo | $261/mo | $309/mo |
| AARP - UnitedHealthcare Insurance Company | $187/mo | $206/mo | $253/mo | $299/mo |
| State Farm Mutual Automobile Insurance Company | $171/mo | $226/mo | $272/mo | $314/mo |
| Erie Family Life Insurance Company | $201/mo | $211/mo | $247/mo | $287/mo |
| CareFirst BlueChoice, Inc. | $207/mo | $262/mo | $319/mo | $378/mo |
| GPM Health and Life Insurance Company | $285/mo | $314/mo | $376/mo | $433/mo |
| Guarantee Trust Life Insurance Company | $285/mo | $303/mo | $360/mo | $450/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 |
|---|---|---|---|---|
| Washington National Insurance Company Lowest | $32/mo | $39/mo | $47/mo | $56/mo |
| Medico Corp Insurance Company | $38/mo | $39/mo | $45/mo | $57/mo |
| Woodmen Of The World Life Insurance Society | $40/mo | $42/mo | $50/mo | $61/mo |
| Insurance Company of North America | $46/mo | $46/mo | $55/mo | $67/mo |
| CareFirst BlueChoice, Inc. | $51/mo | $65/mo | $79/mo | $93/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Washington National Insurance Company Lowest | $36/mo | $43/mo | $52/mo | $62/mo |
| Medico Corp Insurance Company | $43/mo | $44/mo | $51/mo | $64/mo |
| Woodmen Of The World Life Insurance Society | $46/mo | $48/mo | $57/mo | $70/mo |
| Insurance Company of North America | $52/mo | $52/mo | $62/mo | $76/mo |
| CareFirst BlueChoice, Inc. | $54/mo | $69/mo | $84/mo | $100/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 |
|---|---|---|---|---|
| Transamerica Life Insurance Company Lowest | $67/mo | $84/mo | $102/mo | $120/mo |
| AARP - UnitedHealthcare Insurance Company | $68/mo | $75/mo | $92/mo | $109/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Transamerica Life Insurance Company Lowest | $73/mo | $94/mo | $116/mo | $138/mo |
| AARP - UnitedHealthcare Insurance Company | $77/mo | $85/mo | $105/mo | $124/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 |
|---|---|---|---|---|
| Transamerica Life Insurance Company Lowest | $99/mo | $124/mo | $152/mo | $179/mo |
| AARP - UnitedHealthcare Insurance Company | $119/mo | $130/mo | $160/mo | $190/mo |
| CareFirst BlueChoice, Inc. | $132/mo | $168/mo | $204/mo | $240/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Transamerica Life Insurance Company Lowest | $109/mo | $139/mo | $173/mo | $205/mo |
| AARP - UnitedHealthcare Insurance Company | $135/mo | $149/mo | $183/mo | $216/mo |
| CareFirst BlueChoice, Inc. | $141/mo | $179/mo | $217/mo | $258/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 |
|---|---|---|---|---|
| Transamerica Life Insurance Company Lowest | $122/mo | $153/mo | $187/mo | $220/mo |
| CareFirst BlueChoice, Inc. | $242/mo | $306/mo | $372/mo | $438/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Transamerica Life Insurance Company Lowest | $134/mo | $171/mo | $213/mo | $252/mo |
| CareFirst BlueChoice, Inc. | $258/mo | $326/mo | $397/mo | $470/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 |
|---|---|---|---|---|
| Woodmen Of The World Life Insurance Society Lowest | $85/mo | $87/mo | $106/mo | $131/mo |
| American Benefit Life Insurance Company | $88/mo | $96/mo | $120/mo | $150/mo |
| Insurance Company of North America | $89/mo | $90/mo | $107/mo | $130/mo |
| Medico Corp Insurance Company | $90/mo | $93/mo | $113/mo | $145/mo |
| AFLAC | $94/mo | $104/mo | $129/mo | $160/mo |
| Washington National Insurance Company | $99/mo | $127/mo | $163/mo | $204/mo |
| Transamerica Life Insurance Company | $115/mo | $144/mo | $175/mo | $207/mo |
| Erie Family Life Insurance Company | $124/mo | $129/mo | $154/mo | $179/mo |
| State Farm Mutual Automobile Insurance Company | $126/mo | $155/mo | $183/mo | $212/mo |
| GPM Health and Life Insurance Company | $130/mo | $143/mo | $172/mo | $198/mo |
| AARP - UnitedHealthcare Insurance Company | $141/mo | $155/mo | $190/mo | $226/mo |
| CareFirst BlueChoice, Inc. | $149/mo | $189/mo | $230/mo | $271/mo |
| Guarantee Trust Life Insurance Company | $202/mo | $214/mo | $255/mo | $319/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Woodmen Of The World Life Insurance Society Lowest | $98/mo | $100/mo | $122/mo | $150/mo |
| American Benefit Life Insurance Company | $101/mo | $110/mo | $138/mo | $172/mo |
| Insurance Company of North America | $100/mo | $102/mo | $121/mo | $147/mo |
| Medico Corp Insurance Company | $101/mo | $105/mo | $128/mo | $163/mo |
| AFLAC | $108/mo | $119/mo | $148/mo | $183/mo |
| Washington National Insurance Company | $110/mo | $142/mo | $181/mo | $226/mo |
| Transamerica Life Insurance Company | $126/mo | $161/mo | $200/mo | $237/mo |
| Erie Family Life Insurance Company | $142/mo | $148/mo | $177/mo | $206/mo |
| State Farm Mutual Automobile Insurance Company | $132/mo | $173/mo | $209/mo | $244/mo |
| GPM Health and Life Insurance Company | $149/mo | $165/mo | $197/mo | $228/mo |
| AARP - UnitedHealthcare Insurance Company | $161/mo | $177/mo | $217/mo | $257/mo |
| CareFirst BlueChoice, Inc. | $159/mo | $202/mo | $245/mo | $291/mo |
| Guarantee Trust Life Insurance Company | $226/mo | $240/mo | $285/mo | $357/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 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $89/mo | $111/mo | $129/mo | $145/mo |
| Woodmen Of The World Life Insurance Society | $123/mo | $125/mo | $150/mo | $188/mo |
| Transamerica Life Insurance Company | $137/mo | $172/mo | $210/mo | $247/mo |
| American Benefit Life Insurance Company | $141/mo | $145/mo | $176/mo | $215/mo |
| Insurance Company of North America | $146/mo | $148/mo | $176/mo | $214/mo |
| Medico Corp Insurance Company | $148/mo | $152/mo | $176/mo | $214/mo |
| Washington National Insurance Company | $148/mo | $191/mo | $244/mo | $305/mo |
| AFLAC | $154/mo | $164/mo | $199/mo | $253/mo |
| Erie Family Life Insurance Company | $206/mo | $225/mo | $263/mo | $301/mo |
| AARP - UnitedHealthcare Insurance Company | $242/mo | $249/mo | $262/mo | $274/mo |
| GPM Health and Life Insurance Company | $258/mo | $285/mo | $342/mo | $394/mo |
| Guarantee Trust Life Insurance Company | $265/mo | $281/mo | $317/mo | $367/mo |
| CareFirst BlueChoice, Inc. | $1,237/mo | $1,443/mo | $1,586/mo | $1,866/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $96/mo | $121/mo | $140/mo | $157/mo |
| Woodmen Of The World Life Insurance Society | $142/mo | $144/mo | $173/mo | $217/mo |
| Transamerica Life Insurance Company | $150/mo | $192/mo | $239/mo | $283/mo |
| American Benefit Life Insurance Company | $162/mo | $167/mo | $203/mo | $247/mo |
| Insurance Company of North America | $165/mo | $167/mo | $199/mo | $242/mo |
| Medico Corp Insurance Company | $167/mo | $171/mo | $198/mo | $240/mo |
| Washington National Insurance Company | $164/mo | $212/mo | $271/mo | $339/mo |
| AFLAC | $176/mo | $188/mo | $229/mo | $290/mo |
| Erie Family Life Insurance Company | $236/mo | $258/mo | $303/mo | $346/mo |
| AARP - UnitedHealthcare Insurance Company | $276/mo | $284/mo | $299/mo | $312/mo |
| GPM Health and Life Insurance Company | $297/mo | $328/mo | $393/mo | $453/mo |
| Guarantee Trust Life Insurance Company | $297/mo | $316/mo | $358/mo | $416/mo |
| CareFirst BlueChoice, Inc. | $1,318/mo | $1,537/mo | $1,689/mo | $2,003/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 |
|---|---|---|---|---|
| Transamerica Life Insurance Company | $166/mo | $209/mo | $255/mo | $300/mo |
| AARP - UnitedHealthcare Insurance Company | $303/mo | $311/mo | $327/mo | $342/mo |
| CareFirst BlueChoice, Inc. | $330/mo | $385/mo | $424/mo | $499/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Transamerica Life Insurance Company | $182/mo | $233/mo | $290/mo | $344/mo |
| AARP - UnitedHealthcare Insurance Company | $345/mo | $355/mo | $373/mo | $389/mo |
| CareFirst BlueChoice, Inc. | $352/mo | $410/mo | $451/mo | $535/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 |
|---|---|---|---|---|
| Transamerica Life Insurance Company | $197/mo | $247/mo | $301/mo | $355/mo |
| State Farm Mutual Automobile Insurance Company | $239/mo | $302/mo | $350/mo | $392/mo |
| AARP - UnitedHealthcare Insurance Company | $378/mo | $389/mo | $409/mo | $427/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Transamerica Life Insurance Company | $216/mo | $276/mo | $344/mo | $407/mo |
| State Farm Mutual Automobile Insurance Company | $249/mo | $313/mo | $363/mo | $408/mo |
| AARP - UnitedHealthcare Insurance Company | $431/mo | $443/mo | $466/mo | $486/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 |
|---|---|---|---|---|
| Transamerica Life Insurance Company | $149/mo | $188/mo | $229/mo | $270/mo |
| State Farm Mutual Automobile Insurance Company | $173/mo | $212/mo | $250/mo | $284/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Transamerica Life Insurance Company | $164/mo | $209/mo | $261/mo | $309/mo |
| State Farm Mutual Automobile Insurance Company | $177/mo | $234/mo | $282/mo | $326/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 |
|---|---|---|---|---|
| Woodmen Of The World Life Insurance Society | $153/mo | $153/mo | $181/mo | $219/mo |
| American Benefit Life Insurance Company | $173/mo | $180/mo | $216/mo | $261/mo |
| Medico Corp Insurance Company | $181/mo | $185/mo | $216/mo | $269/mo |
| AFLAC | $185/mo | $199/mo | $244/mo | $296/mo |
| Insurance Company of North America | $186/mo | $192/mo | $228/mo | $277/mo |
| Washington National Insurance Company | $189/mo | $229/mo | $278/mo | $332/mo |
| Transamerica Life Insurance Company | $198/mo | $249/mo | $303/mo | $357/mo |
| Erie Family Life Insurance Company | $221/mo | $246/mo | $284/mo | $333/mo |
| State Farm Mutual Automobile Insurance Company | $232/mo | $292/mo | $338/mo | $380/mo |
| Guarantee Trust Life Insurance Company | $322/mo | $342/mo | $407/mo | $509/mo |
| CareFirst BlueChoice, Inc. | $364/mo | $425/mo | $467/mo | $550/mo |
| GPM Health and Life Insurance Company | $376/mo | $415/mo | $497/mo | $573/mo |
| AARP - UnitedHealthcare Insurance Company | $380/mo | $391/mo | $411/mo | $429/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Woodmen Of The World Life Insurance Society | $176/mo | $176/mo | $208/mo | $252/mo |
| American Benefit Life Insurance Company | $198/mo | $207/mo | $248/mo | $300/mo |
| Medico Corp Insurance Company | $203/mo | $208/mo | $243/mo | $303/mo |
| AFLAC | $212/mo | $228/mo | $279/mo | $339/mo |
| Insurance Company of North America | $210/mo | $217/mo | $258/mo | $313/mo |
| Washington National Insurance Company | $210/mo | $255/mo | $309/mo | $368/mo |
| Transamerica Life Insurance Company | $217/mo | $278/mo | $346/mo | $410/mo |
| Erie Family Life Insurance Company | $254/mo | $283/mo | $326/mo | $382/mo |
| State Farm Mutual Automobile Insurance Company | $251/mo | $316/mo | $367/mo | $412/mo |
| Guarantee Trust Life Insurance Company | $361/mo | $383/mo | $456/mo | $570/mo |
| CareFirst BlueChoice, Inc. | $388/mo | $452/mo | $497/mo | $590/mo |
| GPM Health and Life Insurance Company | $432/mo | $478/mo | $572/mo | $659/mo |
| AARP - UnitedHealthcare Insurance Company | $433/mo | $446/mo | $468/mo | $489/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 Corp Insurance Company | $50/mo | $51/mo | $60/mo | $75/mo |
| CareFirst BlueChoice, Inc. | $81/mo | $95/mo | $104/mo | $123/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Medico Corp Insurance Company | $57/mo | $58/mo | $68/mo | $87/mo |
| CareFirst BlueChoice, Inc. | $86/mo | $101/mo | $111/mo | $132/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Woodmen Of The World Life Insurance Society | $124/mo | $126/mo | $151/mo | $189/mo |
| Washington National Insurance Company | $134/mo | $172/mo | $221/mo | $276/mo |
| American Benefit Life Insurance Company | $142/mo | $146/mo | $177/mo | $216/mo |
| Insurance Company of North America | $147/mo | $149/mo | $177/mo | $216/mo |
| Medico Corp Insurance Company | $149/mo | $154/mo | $183/mo | $231/mo |
| Transamerica Life Insurance Company | $149/mo | $188/mo | $229/mo | $269/mo |
| AFLAC | $155/mo | $165/mo | $201/mo | $254/mo |
| State Farm Mutual Automobile Insurance Company | $173/mo | $213/mo | $250/mo | $284/mo |
| Erie Family Life Insurance Company | $189/mo | $198/mo | $232/mo | $270/mo |
| GPM Health and Life Insurance Company | $270/mo | $298/mo | $356/mo | $411/mo |
| Guarantee Trust Life Insurance Company | $272/mo | $289/mo | $344/mo | $430/mo |
| CareFirst BlueChoice, Inc. | $293/mo | $341/mo | $375/mo | $442/mo |
| AARP - UnitedHealthcare Insurance Company | $341/mo | $350/mo | $349/mo | $363/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Woodmen Of The World Life Insurance Society | $142/mo | $145/mo | $173/mo | $218/mo |
| Washington National Insurance Company | $148/mo | $191/mo | $245/mo | $306/mo |
| American Benefit Life Insurance Company | $163/mo | $167/mo | $204/mo | $248/mo |
| Insurance Company of North America | $167/mo | $169/mo | $200/mo | $244/mo |
| Medico Corp Insurance Company | $168/mo | $173/mo | $206/mo | $260/mo |
| Transamerica Life Insurance Company | $164/mo | $209/mo | $261/mo | $309/mo |
| AFLAC | $177/mo | $189/mo | $230/mo | $291/mo |
| State Farm Mutual Automobile Insurance Company | $177/mo | $235/mo | $283/mo | $327/mo |
| Erie Family Life Insurance Company | $217/mo | $227/mo | $267/mo | $310/mo |
| GPM Health and Life Insurance Company | $310/mo | $342/mo | $410/mo | $472/mo |
| Guarantee Trust Life Insurance Company | $305/mo | $324/mo | $385/mo | $482/mo |
| CareFirst BlueChoice, Inc. | $312/mo | $364/mo | $400/mo | $475/mo |
| AARP - UnitedHealthcare Insurance Company | $389/mo | $398/mo | $398/mo | $414/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 |
|---|---|---|---|---|
| Washington National Insurance Company | $32/mo | $39/mo | $47/mo | $56/mo |
| Woodmen Of The World Life Insurance Society | $43/mo | $45/mo | $54/mo | $66/mo |
| Medico Corp Insurance Company | $48/mo | $49/mo | $57/mo | $71/mo |
| Insurance Company of North America | $50/mo | $51/mo | $60/mo | $73/mo |
| CareFirst BlueChoice, Inc. | $77/mo | $90/mo | $99/mo | $117/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Washington National Insurance Company | $36/mo | $43/mo | $52/mo | $62/mo |
| Woodmen Of The World Life Insurance Society | $50/mo | $52/mo | $62/mo | $76/mo |
| Medico Corp Insurance Company | $54/mo | $55/mo | $64/mo | $80/mo |
| Insurance Company of North America | $56/mo | $57/mo | $68/mo | $83/mo |
| CareFirst BlueChoice, Inc. | $82/mo | $96/mo | $106/mo | $126/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 |
|---|---|---|---|---|
| Transamerica Life Insurance Company | $67/mo | $84/mo | $102/mo | $120/mo |
| AARP - UnitedHealthcare Insurance Company | $122/mo | $125/mo | $132/mo | $138/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Transamerica Life Insurance Company | $73/mo | $94/mo | $116/mo | $138/mo |
| AARP - UnitedHealthcare Insurance Company | $139/mo | $143/mo | $150/mo | $157/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 |
|---|---|---|---|---|
| Transamerica Life Insurance Company | $99/mo | $124/mo | $152/mo | $179/mo |
| CareFirst BlueChoice, Inc. | $199/mo | $232/mo | $256/mo | $301/mo |
| AARP - UnitedHealthcare Insurance Company | $212/mo | $218/mo | $229/mo | $240/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Transamerica Life Insurance Company | $109/mo | $139/mo | $173/mo | $205/mo |
| CareFirst BlueChoice, Inc. | $212/mo | $248/mo | $273/mo | $323/mo |
| AARP - UnitedHealthcare Insurance Company | $242/mo | $249/mo | $261/mo | $273/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 |
|---|---|---|---|---|
| Transamerica Life Insurance Company | $122/mo | $153/mo | $187/mo | $220/mo |
| CareFirst BlueChoice, Inc. | $364/mo | $425/mo | $467/mo | $550/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Transamerica Life Insurance Company | $134/mo | $171/mo | $213/mo | $252/mo |
| CareFirst BlueChoice, Inc. | $388/mo | $452/mo | $497/mo | $590/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 |
|---|---|---|---|---|
| Woodmen Of The World Life Insurance Society | $92/mo | $94/mo | $114/mo | $141/mo |
| American Benefit Life Insurance Company | $95/mo | $104/mo | $130/mo | $163/mo |
| Insurance Company of North America | $97/mo | $99/mo | $117/mo | $142/mo |
| Washington National Insurance Company | $99/mo | $127/mo | $163/mo | $204/mo |
| AFLAC | $103/mo | $114/mo | $141/mo | $175/mo |
| Medico Corp Insurance Company | $111/mo | $116/mo | $142/mo | $182/mo |
| Transamerica Life Insurance Company | $115/mo | $144/mo | $175/mo | $207/mo |
| State Farm Mutual Automobile Insurance Company | $131/mo | $161/mo | $191/mo | $220/mo |
| Erie Family Life Insurance Company | $134/mo | $139/mo | $166/mo | $193/mo |
| GPM Health and Life Insurance Company | $141/mo | $156/mo | $187/mo | $216/mo |
| Guarantee Trust Life Insurance Company | $216/mo | $229/mo | $273/mo | $341/mo |
| CareFirst BlueChoice, Inc. | $225/mo | $263/mo | $289/mo | $340/mo |
| AARP - UnitedHealthcare Insurance Company | $292/mo | $299/mo | $299/mo | $311/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Woodmen Of The World Life Insurance Society | $106/mo | $108/mo | $131/mo | $162/mo |
| American Benefit Life Insurance Company | $110/mo | $120/mo | $150/mo | $187/mo |
| Insurance Company of North America | $109/mo | $111/mo | $132/mo | $161/mo |
| Washington National Insurance Company | $110/mo | $142/mo | $181/mo | $226/mo |
| AFLAC | $118/mo | $130/mo | $162/mo | $200/mo |
| Medico Corp Insurance Company | $127/mo | $132/mo | $160/mo | $204/mo |
| Transamerica Life Insurance Company | $126/mo | $161/mo | $200/mo | $237/mo |
| State Farm Mutual Automobile Insurance Company | $137/mo | $180/mo | $218/mo | $254/mo |
| Erie Family Life Insurance Company | $154/mo | $160/mo | $191/mo | $222/mo |
| GPM Health and Life Insurance Company | $163/mo | $180/mo | $215/mo | $248/mo |
| Guarantee Trust Life Insurance Company | $242/mo | $257/mo | $305/mo | $382/mo |
| CareFirst BlueChoice, Inc. | $240/mo | $280/mo | $308/mo | $365/mo |
| AARP - UnitedHealthcare Insurance Company | $333/mo | $341/mo | $341/mo | $355/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 Virginia 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 Corp Insurance Company | Preferred | $118 – $147/mo |
| Standard I | $130 – $162/mo | |
| Standard II | $147 – $184/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $136 – $143/mo |
| Level 2 | $336 – $355/mo | |
| CareFirst BlueChoice, Inc. | Level 1 | $824/mo |
| Level 2 | $1,237/mo | |
| Level 3 | $1,650/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Corp Insurance Company | Preferred | $133 – $166/mo |
| Standard I | $146 – $182/mo | |
| Standard II | $166 – $207/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $155 – $163/mo |
| Level 2 | $383 – $404/mo | |
| CareFirst BlueChoice, Inc. | Level 1 | $878/mo |
| Level 2 | $1,318/mo | |
| Level 3 | $1,758/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 Virginia carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $170 – $179/mo |
| Level 2 | $420 – $443/mo | |
| CareFirst BlueChoice, Inc. | Level 1 | $219/mo |
| Level 2 | $330/mo | |
| Level 3 | $441/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $193 – $204/mo |
| Level 2 | $478 – $504/mo | |
| CareFirst BlueChoice, Inc. | Level 1 | $234/mo |
| Level 2 | $352/mo | |
| Level 3 | $470/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 Virginia 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 | $212 – $224/mo |
| Level 2 | $524 – $553/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $242 – $255/mo |
| Level 2 | $597 – $629/mo |
Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.
Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes
Why this matters: Carriers price the same Plan F differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the Virginia 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 Corp Insurance Company | Preferred | $144 – $180/mo |
| Standard I | $158 – $198/mo | |
| Standard II | $180 – $225/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $213 – $225/mo |
| Level 2 | $528 – $556/mo | |
| CareFirst BlueChoice, Inc. | Level 1 | $242/mo |
| Level 2 | $364/mo | |
| Level 3 | $486/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Corp Insurance Company | Preferred | $162 – $202/mo |
| Standard I | $178 – $223/mo | |
| Standard II | $202 – $253/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $243 – $256/mo |
| Level 2 | $601 – $633/mo | |
| CareFirst BlueChoice, Inc. | Level 1 | $258/mo |
| Level 2 | $388/mo | |
| Level 3 | $518/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 Virginia 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 Corp Insurance Company | Preferred | $40 – $50/mo |
| Standard I | $44 – $55/mo | |
| Standard II | $50 – $62/mo | |
| CareFirst BlueChoice, Inc. | Level 1 | $53/mo |
| Level 2 | $81/mo | |
| Level 3 | $109/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Corp Insurance Company | Preferred | $45 – $56/mo |
| Standard I | $49 – $62/mo | |
| Standard II | $56 – $70/mo | |
| CareFirst BlueChoice, Inc. | Level 1 | $57/mo |
| Level 2 | $86/mo | |
| Level 3 | $116/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 Virginia 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 Corp Insurance Company | Preferred | $119 – $149/mo |
| Standard I | $131 – $164/mo | |
| Standard II | $149 – $186/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $164 – $173/mo |
| Level 2 | $500 – $527/mo | |
| CareFirst BlueChoice, Inc. | Level 1 | $194/mo |
| Level 2 | $293/mo | |
| Level 3 | $391/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Corp Insurance Company | Preferred | $134 – $167/mo |
| Standard I | $147 – $184/mo | |
| Standard II | $167 – $209/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $187 – $198/mo |
| Level 2 | $569 – $600/mo | |
| CareFirst BlueChoice, Inc. | Level 1 | $207/mo |
| Level 2 | $312/mo | |
| Level 3 | $416/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 Virginia 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 Corp Insurance Company | Preferred | $38 – $47/mo |
| Standard I | $42 – $52/mo | |
| Standard II | $47 – $59/mo | |
| CareFirst BlueChoice, Inc. | Level 1 | $51/mo |
| Level 2 | $77/mo | |
| Level 3 | $104/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Corp Insurance Company | Preferred | $43 – $53/mo |
| Standard I | $47 – $59/mo | |
| Standard II | $53 – $67/mo | |
| CareFirst BlueChoice, Inc. | Level 1 | $54/mo |
| Level 2 | $82/mo | |
| Level 3 | $110/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 Virginia 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 | $68 – $72/mo |
| Level 2 | $170 – $179/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $77 – $82/mo |
| Level 2 | $193 – $204/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 Virginia carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $119 – $125/mo |
| Level 2 | $295 – $310/mo | |
| CareFirst BlueChoice, Inc. | Level 1 | $132/mo |
| Level 2 | $199/mo | |
| Level 3 | $266/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $135 – $143/mo |
| Level 2 | $336 – $354/mo | |
| CareFirst BlueChoice, Inc. | Level 1 | $141/mo |
| Level 2 | $212/mo | |
| Level 3 | $284/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 M 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 Virginia 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 |
|---|---|---|
| CareFirst BlueChoice, Inc. | Level 1 | $242/mo |
| Level 2 | $364/mo | |
| Level 3 | $486/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| CareFirst BlueChoice, Inc. | Level 1 | $258/mo |
| Level 2 | $388/mo | |
| Level 3 | $518/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 Virginia 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 Corp Insurance Company | Preferred | $90 – $107/mo |
| Standard I | $99 – $117/mo | |
| Standard II | $112 – $140/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $141 – $149/mo |
| Level 2 | $428 – $451/mo | |
| CareFirst BlueChoice, Inc. | Level 1 | $149/mo |
| Level 2 | $225/mo | |
| Level 3 | $301/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| Medico Corp Insurance Company | Preferred | $101 – $126/mo |
| Standard I | $111 – $139/mo | |
| Standard II | $126 – $158/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $161 – $170/mo |
| Level 2 | $487 – $514/mo | |
| CareFirst BlueChoice, Inc. | Level 1 | $159/mo |
| Level 2 | $240/mo | |
| Level 3 | $321/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.
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