Compare 2026 Medicare Supplement (Medigap) rates in West 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 | $204/mo |
| 70 | $230/mo |
| 75 | $268/mo |
| 80 | $305/mo |
Rates are statewide averages across all carriers. Your actual premium will vary by carrier, zip code, health status, and underwriting factors. Get a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Figures for Medicare Supplement (Medigap) on this page use 2026 filed or community rates from our carrier-rate dataset for West 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 |
|---|---|---|---|---|
| GPM Health and Life Insurance Company Lowest | $116/mo | $125/mo | $146/mo | $175/mo |
| Mutual of Omaha Insurance Company | $124/mo | $131/mo | $154/mo | $185/mo |
| HealthSpring National Health Insurance Company | $125/mo | $145/mo | $168/mo | $194/mo |
| United American Insurance Company | $125/mo | $154/mo | $164/mo | $164/mo |
| State Farm Mutual Automobile Insurance Company | $126/mo | $158/mo | $183/mo | $206/mo |
| AARP - UnitedHealthcare Insurance Company | $133/mo | $146/mo | $179/mo | $212/mo |
| First Health Life & Health Insurance Company | $141/mo | $161/mo | $179/mo | $190/mo |
| THP Ins. Co | $142/mo | $165/mo | $186/mo | $202/mo |
| Wisconsin Physicians Service Insurance Corporation | $145/mo | $173/mo | $203/mo | $232/mo |
| Highmark Blue Cross Blue Shield West Virginia | $149/mo | $170/mo | $194/mo | $219/mo |
| Humana Insurance Company | $152/mo | $161/mo | $188/mo | $231/mo |
| AFLAC | $167/mo | $205/mo | $241/mo | $277/mo |
| Woodmen Of The World Life Insurance Society | $182/mo | $185/mo | $222/mo | $279/mo |
| Erie Family Life Insurance Company | $187/mo | $205/mo | $240/mo | $274/mo |
| Guarantee Trust Life Insurance Company | $227/mo | $241/mo | $271/mo | $314/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| GPM Health and Life Insurance Company Lowest | $133/mo | $144/mo | $168/mo | $201/mo |
| Mutual of Omaha Insurance Company | $142/mo | $151/mo | $178/mo | $213/mo |
| HealthSpring National Health Insurance Company | $138/mo | $160/mo | $186/mo | $216/mo |
| United American Insurance Company | $144/mo | $176/mo | $188/mo | $188/mo |
| State Farm Mutual Automobile Insurance Company | $136/mo | $172/mo | $199/mo | $223/mo |
| AARP - UnitedHealthcare Insurance Company | $150/mo | $165/mo | $202/mo | $239/mo |
| First Health Life & Health Insurance Company | $154/mo | $176/mo | $196/mo | $208/mo |
| THP Ins. Co | $134/mo | $167/mo | $199/mo | $224/mo |
| Wisconsin Physicians Service Insurance Corporation | $160/mo | $191/mo | $223/mo | $255/mo |
| Highmark Blue Cross Blue Shield West Virginia | $149/mo | $170/mo | $194/mo | $219/mo |
| Humana Insurance Company | $172/mo | $181/mo | $212/mo | $261/mo |
| AFLAC | $186/mo | $227/mo | $268/mo | $307/mo |
| Woodmen Of The World Life Insurance Society | $210/mo | $213/mo | $255/mo | $321/mo |
| Erie Family Life Insurance Company | $215/mo | $235/mo | $276/mo | $315/mo |
| Guarantee Trust Life Insurance Company | $254/mo | $270/mo | $307/mo | $356/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 | $161/mo | $188/mo | $214/mo | $235/mo |
| United American Insurance Company | $176/mo | $221/mo | $245/mo | $249/mo |
| AARP - UnitedHealthcare Insurance Company | $190/mo | $209/mo | $256/mo | $303/mo |
| Humana Insurance Company | $258/mo | $305/mo | $353/mo | $402/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company Lowest | $176/mo | $205/mo | $233/mo | $257/mo |
| United American Insurance Company | $203/mo | $255/mo | $281/mo | $286/mo |
| AARP - UnitedHealthcare Insurance Company | $214/mo | $235/mo | $288/mo | $342/mo |
| Humana Insurance Company | $259/mo | $315/mo | $383/mo | $453/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 | $169/mo | $186/mo | $228/mo | $270/mo |
| THP Ins. Co | $191/mo | $233/mo | $277/mo | $326/mo |
| United American Insurance Company | $214/mo | $272/mo | $311/mo | $346/mo |
| Wisconsin Physicians Service Insurance Corporation | $216/mo | $258/mo | $302/mo | $345/mo |
| Humana Insurance Company | $227/mo | $269/mo | $311/mo | $354/mo |
| State Farm Mutual Automobile Insurance Company | $234/mo | $295/mo | $342/mo | $384/mo |
| Highmark Blue Cross Blue Shield West Virginia | $250/mo | $302/mo | $355/mo | $422/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company | $190/mo | $209/mo | $257/mo | $304/mo |
| THP Ins. Co Lowest | $185/mo | $238/mo | $294/mo | $353/mo |
| United American Insurance Company | $246/mo | $313/mo | $357/mo | $397/mo |
| Wisconsin Physicians Service Insurance Corporation | $237/mo | $283/mo | $332/mo | $379/mo |
| Humana Insurance Company | $228/mo | $277/mo | $337/mo | $399/mo |
| State Farm Mutual Automobile Insurance Company | $254/mo | $320/mo | $370/mo | $416/mo |
| Highmark Blue Cross Blue Shield West Virginia | $250/mo | $302/mo | $355/mo | $422/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 |
|---|---|---|---|---|
| Highmark Blue Cross Blue Shield West Virginia Lowest | $134/mo | $153/mo | $174/mo | $197/mo |
| THP Ins. Co | $136/mo | $167/mo | $200/mo | $237/mo |
| State Farm Mutual Automobile Insurance Company | $144/mo | $176/mo | $208/mo | $236/mo |
| United American Insurance Company | $251/mo | $325/mo | $375/mo | $419/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Highmark Blue Cross Blue Shield West Virginia | $146/mo | $167/mo | $190/mo | $215/mo |
| THP Ins. Co Lowest | $132/mo | $171/mo | $212/mo | $256/mo |
| State Farm Mutual Automobile Insurance Company | $147/mo | $194/mo | $235/mo | $271/mo |
| United American Insurance Company | $289/mo | $374/mo | $431/mo | $481/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| GPM Health and Life Insurance Company Lowest | $154/mo | $162/mo | $187/mo | $223/mo |
| HealthSpring National Health Insurance Company | $156/mo | $181/mo | $210/mo | $243/mo |
| Humana Insurance Company | $167/mo | $177/mo | $207/mo | $254/mo |
| Erie Family Life Insurance Company | $186/mo | $207/mo | $239/mo | $281/mo |
| First Health Life & Health Insurance Company | $187/mo | $219/mo | $251/mo | $280/mo |
| AFLAC | $197/mo | $210/mo | $252/mo | $306/mo |
| THP Ins. Co | $197/mo | $240/mo | $285/mo | $336/mo |
| Woodmen Of The World Life Insurance Society | $200/mo | $200/mo | $236/mo | $286/mo |
| Wisconsin Physicians Service Insurance Corporation | $220/mo | $262/mo | $308/mo | $351/mo |
| Mutual of Omaha Insurance Company | $235/mo | $248/mo | $290/mo | $351/mo |
| State Farm Mutual Automobile Insurance Company | $236/mo | $298/mo | $345/mo | $388/mo |
| AARP - UnitedHealthcare Insurance Company | $249/mo | $274/mo | $336/mo | $397/mo |
| Highmark Blue Cross Blue Shield West Virginia | $262/mo | $316/mo | $371/mo | $441/mo |
| United American Insurance Company | $276/mo | $351/mo | $401/mo | $445/mo |
| Guarantee Trust Life Insurance Company | $288/mo | $306/mo | $363/mo | $455/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| GPM Health and Life Insurance Company | $177/mo | $186/mo | $215/mo | $257/mo |
| HealthSpring National Health Insurance Company Lowest | $173/mo | $201/mo | $233/mo | $270/mo |
| Humana Insurance Company | $189/mo | $200/mo | $234/mo | $287/mo |
| Erie Family Life Insurance Company | $214/mo | $238/mo | $275/mo | $323/mo |
| First Health Life & Health Insurance Company | $203/mo | $238/mo | $273/mo | $304/mo |
| AFLAC | $219/mo | $233/mo | $280/mo | $340/mo |
| THP Ins. Co | $190/mo | $245/mo | $303/mo | $363/mo |
| Woodmen Of The World Life Insurance Society | $230/mo | $230/mo | $272/mo | $329/mo |
| Wisconsin Physicians Service Insurance Corporation | $242/mo | $288/mo | $338/mo | $386/mo |
| Mutual of Omaha Insurance Company | $270/mo | $285/mo | $333/mo | $404/mo |
| State Farm Mutual Automobile Insurance Company | $256/mo | $323/mo | $374/mo | $420/mo |
| AARP - UnitedHealthcare Insurance Company | $281/mo | $309/mo | $379/mo | $448/mo |
| Highmark Blue Cross Blue Shield West Virginia | $262/mo | $316/mo | $371/mo | $441/mo |
| United American Insurance Company | $318/mo | $403/mo | $460/mo | $512/mo |
| Guarantee Trust Life Insurance Company | $322/mo | $342/mo | $407/mo | $509/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring National Health Insurance Company Lowest | $37/mo | $43/mo | $50/mo | $57/mo |
| United American Insurance Company | $44/mo | $58/mo | $73/mo | $87/mo |
| Humana Insurance Company | $56/mo | $66/mo | $77/mo | $87/mo |
| THP Ins. Co | $75/mo | $91/mo | $107/mo | $125/mo |
| Highmark Blue Cross Blue Shield West Virginia | $89/mo | $107/mo | $126/mo | $150/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| HealthSpring National Health Insurance Company Lowest | $41/mo | $47/mo | $55/mo | $64/mo |
| United American Insurance Company | $50/mo | $67/mo | $84/mo | $100/mo |
| Humana Insurance Company | $56/mo | $68/mo | $83/mo | $98/mo |
| THP Ins. Co | $73/mo | $93/mo | $114/mo | $135/mo |
| Highmark Blue Cross Blue Shield West Virginia | $89/mo | $107/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 |
|---|---|---|---|---|
| GPM Health and Life Insurance Company Lowest | $125/mo | $135/mo | $158/mo | $189/mo |
| HealthSpring National Health Insurance Company | $135/mo | $157/mo | $182/mo | $211/mo |
| Humana Insurance Company | $135/mo | $142/mo | $166/mo | $204/mo |
| THP Ins. Co | $136/mo | $167/mo | $200/mo | $238/mo |
| Highmark Blue Cross Blue Shield West Virginia | $138/mo | $157/mo | $179/mo | $202/mo |
| Woodmen Of The World Life Insurance Society | $162/mo | $164/mo | $197/mo | $247/mo |
| AFLAC | $165/mo | $172/mo | $207/mo | $264/mo |
| Erie Family Life Insurance Company | $167/mo | $175/mo | $206/mo | $239/mo |
| First Health Life & Health Insurance Company | $173/mo | $204/mo | $235/mo | $263/mo |
| Wisconsin Physicians Service Insurance Corporation | $179/mo | $213/mo | $250/mo | $285/mo |
| State Farm Mutual Automobile Insurance Company | $181/mo | $222/mo | $261/mo | $297/mo |
| AARP - UnitedHealthcare Insurance Company | $188/mo | $207/mo | $254/mo | $301/mo |
| Mutual of Omaha Insurance Company | $193/mo | $204/mo | $241/mo | $289/mo |
| United American Insurance Company | $201/mo | $260/mo | $299/mo | $334/mo |
| Guarantee Trust Life Insurance Company | $236/mo | $251/mo | $298/mo | $373/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| GPM Health and Life Insurance Company | $144/mo | $156/mo | $182/mo | $217/mo |
| HealthSpring National Health Insurance Company | $150/mo | $174/mo | $202/mo | $234/mo |
| Humana Insurance Company | $152/mo | $161/mo | $188/mo | $231/mo |
| THP Ins. Co Lowest | $132/mo | $171/mo | $212/mo | $256/mo |
| Highmark Blue Cross Blue Shield West Virginia | $157/mo | $179/mo | $204/mo | $230/mo |
| Woodmen Of The World Life Insurance Society | $186/mo | $189/mo | $226/mo | $284/mo |
| AFLAC | $183/mo | $191/mo | $229/mo | $294/mo |
| Erie Family Life Insurance Company | $192/mo | $201/mo | $236/mo | $275/mo |
| First Health Life & Health Insurance Company | $188/mo | $221/mo | $254/mo | $285/mo |
| Wisconsin Physicians Service Insurance Corporation | $197/mo | $235/mo | $275/mo | $314/mo |
| State Farm Mutual Automobile Insurance Company | $185/mo | $244/mo | $295/mo | $341/mo |
| AARP - UnitedHealthcare Insurance Company | $213/mo | $234/mo | $287/mo | $339/mo |
| Mutual of Omaha Insurance Company | $222/mo | $235/mo | $277/mo | $333/mo |
| United American Insurance Company | $231/mo | $299/mo | $344/mo | $384/mo |
| Guarantee Trust Life Insurance Company | $264/mo | $281/mo | $334/mo | $418/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $33/mo | $44/mo | $55/mo | $65/mo |
| Humana Insurance Company | $46/mo | $49/mo | $58/mo | $71/mo |
| Mutual of Omaha Insurance Company | $49/mo | $52/mo | $62/mo | $74/mo |
| Woodmen Of The World Life Insurance Society | $51/mo | $52/mo | $63/mo | $77/mo |
| Highmark Blue Cross Blue Shield West Virginia | $57/mo | $65/mo | $74/mo | $84/mo |
| THP Ins. Co | $68/mo | $98/mo | $97/mo | $113/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company Lowest | $38/mo | $50/mo | $63/mo | $75/mo |
| Humana Insurance Company | $46/mo | $56/mo | $65/mo | $80/mo |
| Mutual of Omaha Insurance Company | $57/mo | $60/mo | $71/mo | $85/mo |
| Woodmen Of The World Life Insurance Society | $58/mo | $60/mo | $72/mo | $88/mo |
| Highmark Blue Cross Blue Shield West Virginia | $63/mo | $72/mo | $82/mo | $93/mo |
| THP Ins. Co | $66/mo | $98/mo | $103/mo | $122/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 |
|---|---|---|---|---|
| Humana Insurance Company Lowest | $87/mo | $103/mo | $119/mo | $136/mo |
| AARP - UnitedHealthcare Insurance Company | $88/mo | $97/mo | $119/mo | $141/mo |
| United American Insurance Company | $103/mo | $137/mo | $153/mo | $163/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Humana Insurance Company Lowest | $87/mo | $106/mo | $129/mo | $153/mo |
| AARP - UnitedHealthcare Insurance Company | $100/mo | $110/mo | $135/mo | $160/mo |
| United American Insurance Company | $118/mo | $158/mo | $176/mo | $187/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 | $124/mo | $137/mo | $168/mo | $199/mo |
| Humana Insurance Company | $133/mo | $157/mo | $182/mo | $207/mo |
| United American Insurance Company | $145/mo | $193/mo | $215/mo | $228/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| AARP - UnitedHealthcare Insurance Company | $140/mo | $154/mo | $189/mo | $224/mo |
| Humana Insurance Company Lowest | $134/mo | $162/mo | $198/mo | $234/mo |
| United American Insurance Company | $166/mo | $221/mo | $247/mo | $262/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 |
|---|---|---|---|---|
| GPM Health and Life Insurance Company Lowest | $92/mo | $99/mo | $119/mo | $142/mo |
| HealthSpring National Health Insurance Company | $93/mo | $108/mo | $125/mo | $145/mo |
| First Health Life & Health Insurance Company | $96/mo | $113/mo | $131/mo | $148/mo |
| Humana Insurance Company | $97/mo | $108/mo | $129/mo | $159/mo |
| AFLAC | $114/mo | $127/mo | $155/mo | $200/mo |
| Woodmen Of The World Life Insurance Society | $117/mo | $120/mo | $145/mo | $179/mo |
| Highmark Blue Cross Blue Shield West Virginia | $121/mo | $138/mo | $157/mo | $177/mo |
| THP Ins. Co | $121/mo | $149/mo | $180/mo | $216/mo |
| Mutual of Omaha Insurance Company | $133/mo | $147/mo | $176/mo | $212/mo |
| Erie Family Life Insurance Company | $134/mo | $140/mo | $166/mo | $194/mo |
| State Farm Mutual Automobile Insurance Company | $135/mo | $164/mo | $195/mo | $225/mo |
| Wisconsin Physicians Service Insurance Corporation | $162/mo | $193/mo | $226/mo | $258/mo |
| AARP - UnitedHealthcare Insurance Company | $171/mo | $188/mo | $231/mo | $273/mo |
| Guarantee Trust Life Insurance Company | $184/mo | $195/mo | $232/mo | $290/mo |
| United American Insurance Company | $186/mo | $242/mo | $280/mo | $318/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| GPM Health and Life Insurance Company | $106/mo | $114/mo | $137/mo | $164/mo |
| HealthSpring National Health Insurance Company Lowest | $103/mo | $120/mo | $139/mo | $161/mo |
| First Health Life & Health Insurance Company | $103/mo | $122/mo | $142/mo | $160/mo |
| Humana Insurance Company | $110/mo | $122/mo | $146/mo | $180/mo |
| AFLAC | $127/mo | $141/mo | $173/mo | $222/mo |
| Woodmen Of The World Life Insurance Society | $134/mo | $137/mo | $167/mo | $206/mo |
| Highmark Blue Cross Blue Shield West Virginia | $121/mo | $138/mo | $157/mo | $177/mo |
| THP Ins. Co | $118/mo | $153/mo | $191/mo | $232/mo |
| Mutual of Omaha Insurance Company | $153/mo | $169/mo | $202/mo | $244/mo |
| Erie Family Life Insurance Company | $154/mo | $161/mo | $191/mo | $223/mo |
| State Farm Mutual Automobile Insurance Company | $140/mo | $184/mo | $222/mo | $260/mo |
| Wisconsin Physicians Service Insurance Corporation | $178/mo | $212/mo | $249/mo | $284/mo |
| AARP - UnitedHealthcare Insurance Company | $193/mo | $212/mo | $260/mo | $308/mo |
| Guarantee Trust Life Insurance Company | $206/mo | $219/mo | $260/mo | $325/mo |
| United American Insurance Company | $214/mo | $278/mo | $322/mo | $366/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 |
|---|---|---|---|---|
| GPM Health and Life Insurance Company | $124/mo | $133/mo | $156/mo | $186/mo |
| Mutual of Omaha Insurance Company | $124/mo | $131/mo | $154/mo | $185/mo |
| United American Insurance Company | $125/mo | $154/mo | $164/mo | $164/mo |
| State Farm Mutual Automobile Insurance Company | $126/mo | $158/mo | $183/mo | $206/mo |
| First Health Life & Health Insurance Company | $141/mo | $161/mo | $179/mo | $190/mo |
| Wisconsin Physicians Service Insurance Corporation | $145/mo | $173/mo | $203/mo | $232/mo |
| THP Ins. Co | $162/mo | $189/mo | $213/mo | $233/mo |
| Highmark Blue Cross Blue Shield West Virginia | $166/mo | $188/mo | $211/mo | $236/mo |
| Humana Insurance Company | $166/mo | $186/mo | $217/mo | $255/mo |
| AFLAC | $167/mo | $205/mo | $241/mo | $277/mo |
| HealthSpring National Health Insurance Company | $178/mo | $206/mo | $239/mo | $277/mo |
| Woodmen Of The World Life Insurance Society | $182/mo | $185/mo | $222/mo | $279/mo |
| Erie Family Life Insurance Company | $187/mo | $205/mo | $240/mo | $274/mo |
| Guarantee Trust Life Insurance Company | $227/mo | $241/mo | $271/mo | $314/mo |
| AARP - UnitedHealthcare Insurance Company | $231/mo | $238/mo | $250/mo | $261/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| GPM Health and Life Insurance Company | $142/mo | $153/mo | $179/mo | $214/mo |
| Mutual of Omaha Insurance Company | $142/mo | $151/mo | $178/mo | $213/mo |
| United American Insurance Company | $144/mo | $176/mo | $188/mo | $188/mo |
| State Farm Mutual Automobile Insurance Company | $136/mo | $172/mo | $199/mo | $223/mo |
| First Health Life & Health Insurance Company | $154/mo | $176/mo | $196/mo | $208/mo |
| Wisconsin Physicians Service Insurance Corporation | $160/mo | $191/mo | $223/mo | $255/mo |
| THP Ins. Co | $153/mo | $192/mo | $229/mo | $258/mo |
| Highmark Blue Cross Blue Shield West Virginia | $166/mo | $188/mo | $211/mo | $236/mo |
| Humana Insurance Company | $176/mo | $200/mo | $239/mo | $287/mo |
| AFLAC | $186/mo | $227/mo | $268/mo | $307/mo |
| HealthSpring National Health Insurance Company | $198/mo | $229/mo | $265/mo | $308/mo |
| Woodmen Of The World Life Insurance Society | $210/mo | $213/mo | $255/mo | $321/mo |
| Erie Family Life Insurance Company | $215/mo | $235/mo | $276/mo | $315/mo |
| Guarantee Trust Life Insurance Company | $254/mo | $270/mo | $307/mo | $356/mo |
| AARP - UnitedHealthcare Insurance Company | $260/mo | $268/mo | $282/mo | $294/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 | $161/mo | $188/mo | $214/mo | $235/mo |
| United American Insurance Company | $176/mo | $221/mo | $245/mo | $249/mo |
| Humana Insurance Company | $265/mo | $313/mo | $363/mo | $413/mo |
| AARP - UnitedHealthcare Insurance Company | $330/mo | $339/mo | $356/mo | $372/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $176/mo | $205/mo | $233/mo | $257/mo |
| United American Insurance Company | $203/mo | $255/mo | $281/mo | $286/mo |
| Humana Insurance Company | $266/mo | $323/mo | $393/mo | $465/mo |
| AARP - UnitedHealthcare Insurance Company | $372/mo | $382/mo | $402/mo | $420/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 | $214/mo | $272/mo | $311/mo | $346/mo |
| Wisconsin Physicians Service Insurance Corporation | $216/mo | $258/mo | $302/mo | $345/mo |
| THP Ins. Co | $220/mo | $270/mo | $322/mo | $382/mo |
| Humana Insurance Company | $234/mo | $276/mo | $320/mo | $364/mo |
| State Farm Mutual Automobile Insurance Company | $234/mo | $295/mo | $342/mo | $384/mo |
| Highmark Blue Cross Blue Shield West Virginia | $268/mo | $319/mo | $372/mo | $439/mo |
| AARP - UnitedHealthcare Insurance Company | $293/mo | $302/mo | $317/mo | $331/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $246/mo | $313/mo | $357/mo | $397/mo |
| Wisconsin Physicians Service Insurance Corporation | $237/mo | $283/mo | $332/mo | $379/mo |
| THP Ins. Co | $214/mo | $276/mo | $342/mo | $412/mo |
| Humana Insurance Company | $234/mo | $285/mo | $347/mo | $410/mo |
| State Farm Mutual Automobile Insurance Company | $254/mo | $320/mo | $370/mo | $416/mo |
| Highmark Blue Cross Blue Shield West Virginia | $268/mo | $319/mo | $372/mo | $439/mo |
| AARP - UnitedHealthcare Insurance Company | $331/mo | $340/mo | $358/mo | $373/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 | $144/mo | $176/mo | $208/mo | $236/mo |
| Highmark Blue Cross Blue Shield West Virginia | $151/mo | $171/mo | $191/mo | $214/mo |
| THP Ins. Co | $158/mo | $194/mo | $234/mo | $279/mo |
| United American Insurance Company | $251/mo | $325/mo | $375/mo | $419/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $147/mo | $194/mo | $235/mo | $271/mo |
| Highmark Blue Cross Blue Shield West Virginia | $164/mo | $185/mo | $208/mo | $232/mo |
| THP Ins. Co | $154/mo | $199/mo | $248/mo | $301/mo |
| United American Insurance Company | $289/mo | $374/mo | $431/mo | $481/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 |
|---|---|---|---|---|
| GPM Health and Life Insurance Company | $164/mo | $173/mo | $199/mo | $238/mo |
| Erie Family Life Insurance Company | $186/mo | $207/mo | $239/mo | $281/mo |
| First Health Life & Health Insurance Company | $187/mo | $219/mo | $251/mo | $280/mo |
| AFLAC | $197/mo | $210/mo | $252/mo | $306/mo |
| Woodmen Of The World Life Insurance Society | $200/mo | $200/mo | $236/mo | $286/mo |
| Wisconsin Physicians Service Insurance Corporation | $220/mo | $262/mo | $308/mo | $351/mo |
| HealthSpring National Health Insurance Company | $223/mo | $258/mo | $299/mo | $347/mo |
| THP Ins. Co | $227/mo | $278/mo | $332/mo | $393/mo |
| Humana Insurance Company | $230/mo | $261/mo | $303/mo | $354/mo |
| Mutual of Omaha Insurance Company | $235/mo | $248/mo | $290/mo | $351/mo |
| State Farm Mutual Automobile Insurance Company | $236/mo | $298/mo | $345/mo | $388/mo |
| United American Insurance Company | $276/mo | $351/mo | $401/mo | $445/mo |
| Highmark Blue Cross Blue Shield West Virginia | $279/mo | $333/mo | $389/mo | $458/mo |
| Guarantee Trust Life Insurance Company | $288/mo | $306/mo | $363/mo | $455/mo |
| AARP - UnitedHealthcare Insurance Company | $432/mo | $445/mo | $467/mo | $488/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| GPM Health and Life Insurance Company | $188/mo | $199/mo | $229/mo | $274/mo |
| Erie Family Life Insurance Company | $214/mo | $238/mo | $275/mo | $323/mo |
| First Health Life & Health Insurance Company | $203/mo | $238/mo | $273/mo | $304/mo |
| AFLAC | $219/mo | $233/mo | $280/mo | $340/mo |
| Woodmen Of The World Life Insurance Society | $230/mo | $230/mo | $272/mo | $329/mo |
| Wisconsin Physicians Service Insurance Corporation | $242/mo | $288/mo | $338/mo | $386/mo |
| HealthSpring National Health Insurance Company | $247/mo | $287/mo | $332/mo | $385/mo |
| THP Ins. Co | $220/mo | $284/mo | $353/mo | $425/mo |
| Humana Insurance Company | $241/mo | $278/mo | $333/mo | $399/mo |
| Mutual of Omaha Insurance Company | $270/mo | $285/mo | $333/mo | $404/mo |
| State Farm Mutual Automobile Insurance Company | $256/mo | $323/mo | $374/mo | $420/mo |
| United American Insurance Company | $318/mo | $403/mo | $460/mo | $512/mo |
| Highmark Blue Cross Blue Shield West Virginia | $279/mo | $333/mo | $389/mo | $458/mo |
| Guarantee Trust Life Insurance Company | $322/mo | $342/mo | $407/mo | $509/mo |
| AARP - UnitedHealthcare Insurance Company | $488/mo | $502/mo | $527/mo | $550/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 | $44/mo | $58/mo | $73/mo | $87/mo |
| HealthSpring National Health Insurance Company | $53/mo | $61/mo | $71/mo | $82/mo |
| Humana Insurance Company | $57/mo | $68/mo | $79/mo | $89/mo |
| THP Ins. Co | $86/mo | $96/mo | $124/mo | $146/mo |
| Highmark Blue Cross Blue Shield West Virginia | $106/mo | $125/mo | $143/mo | $167/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $50/mo | $67/mo | $84/mo | $100/mo |
| HealthSpring National Health Insurance Company | $58/mo | $68/mo | $79/mo | $91/mo |
| Humana Insurance Company | $58/mo | $70/mo | $85/mo | $101/mo |
| THP Ins. Co | $84/mo | $99/mo | $132/mo | $158/mo |
| Highmark Blue Cross Blue Shield West Virginia | $106/mo | $125/mo | $143/mo | $167/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| GPM Health and Life Insurance Company | $133/mo | $144/mo | $168/mo | $201/mo |
| Highmark Blue Cross Blue Shield West Virginia | $155/mo | $175/mo | $196/mo | $219/mo |
| THP Ins. Co | $158/mo | $194/mo | $234/mo | $280/mo |
| Woodmen Of The World Life Insurance Society | $162/mo | $164/mo | $197/mo | $247/mo |
| AFLAC | $165/mo | $172/mo | $207/mo | $264/mo |
| Erie Family Life Insurance Company | $167/mo | $175/mo | $206/mo | $239/mo |
| First Health Life & Health Insurance Company | $173/mo | $204/mo | $235/mo | $263/mo |
| Wisconsin Physicians Service Insurance Corporation | $179/mo | $213/mo | $250/mo | $285/mo |
| State Farm Mutual Automobile Insurance Company | $181/mo | $222/mo | $261/mo | $297/mo |
| HealthSpring National Health Insurance Company | $193/mo | $224/mo | $260/mo | $301/mo |
| Mutual of Omaha Insurance Company | $193/mo | $204/mo | $241/mo | $289/mo |
| United American Insurance Company | $201/mo | $260/mo | $299/mo | $334/mo |
| Humana Insurance Company | $202/mo | $230/mo | $267/mo | $311/mo |
| Guarantee Trust Life Insurance Company | $236/mo | $251/mo | $298/mo | $373/mo |
| AARP - UnitedHealthcare Insurance Company | $388/mo | $397/mo | $394/mo | $410/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| GPM Health and Life Insurance Company | $153/mo | $166/mo | $193/mo | $231/mo |
| Highmark Blue Cross Blue Shield West Virginia | $174/mo | $197/mo | $221/mo | $247/mo |
| THP Ins. Co | $154/mo | $199/mo | $248/mo | $301/mo |
| Woodmen Of The World Life Insurance Society | $186/mo | $189/mo | $226/mo | $284/mo |
| AFLAC | $183/mo | $191/mo | $229/mo | $294/mo |
| Erie Family Life Insurance Company | $192/mo | $201/mo | $236/mo | $275/mo |
| First Health Life & Health Insurance Company | $188/mo | $221/mo | $254/mo | $285/mo |
| Wisconsin Physicians Service Insurance Corporation | $197/mo | $235/mo | $275/mo | $314/mo |
| State Farm Mutual Automobile Insurance Company | $185/mo | $244/mo | $295/mo | $341/mo |
| HealthSpring National Health Insurance Company | $215/mo | $249/mo | $288/mo | $334/mo |
| Mutual of Omaha Insurance Company | $222/mo | $235/mo | $277/mo | $333/mo |
| United American Insurance Company | $231/mo | $299/mo | $344/mo | $384/mo |
| Humana Insurance Company | $211/mo | $244/mo | $293/mo | $351/mo |
| Guarantee Trust Life Insurance Company | $264/mo | $281/mo | $334/mo | $418/mo |
| AARP - UnitedHealthcare Insurance Company | $438/mo | $449/mo | $445/mo | $463/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 | $33/mo | $44/mo | $55/mo | $65/mo |
| Humana Insurance Company | $47/mo | $52/mo | $61/mo | $72/mo |
| Mutual of Omaha Insurance Company | $49/mo | $52/mo | $62/mo | $74/mo |
| Woodmen Of The World Life Insurance Society | $51/mo | $52/mo | $63/mo | $77/mo |
| Highmark Blue Cross Blue Shield West Virginia | $74/mo | $83/mo | $92/mo | $101/mo |
| THP Ins. Co | $78/mo | $103/mo | $103/mo | $132/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| United American Insurance Company | $38/mo | $50/mo | $63/mo | $75/mo |
| Humana Insurance Company | $50/mo | $56/mo | $67/mo | $81/mo |
| Mutual of Omaha Insurance Company | $57/mo | $60/mo | $71/mo | $85/mo |
| Woodmen Of The World Life Insurance Society | $58/mo | $60/mo | $72/mo | $88/mo |
| Highmark Blue Cross Blue Shield West Virginia | $81/mo | $90/mo | $99/mo | $110/mo |
| THP Ins. Co | $76/mo | $99/mo | $119/mo | $142/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 |
|---|---|---|---|---|
| Humana Insurance Company | $89/mo | $106/mo | $123/mo | $139/mo |
| United American Insurance Company | $103/mo | $137/mo | $153/mo | $163/mo |
| AARP - UnitedHealthcare Insurance Company | $154/mo | $158/mo | $166/mo | $174/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Humana Insurance Company | $90/mo | $109/mo | $133/mo | $157/mo |
| United American Insurance Company | $118/mo | $158/mo | $176/mo | $187/mo |
| AARP - UnitedHealthcare Insurance Company | $174/mo | $179/mo | $188/mo | $196/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 |
|---|---|---|---|---|
| Humana Insurance Company | $137/mo | $162/mo | $187/mo | $213/mo |
| United American Insurance Company | $145/mo | $193/mo | $215/mo | $228/mo |
| AARP - UnitedHealthcare Insurance Company | $216/mo | $222/mo | $234/mo | $244/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Humana Insurance Company | $137/mo | $167/mo | $203/mo | $240/mo |
| United American Insurance Company | $166/mo | $221/mo | $247/mo | $262/mo |
| AARP - UnitedHealthcare Insurance Company | $244/mo | $251/mo | $264/mo | $276/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 | $96/mo | $113/mo | $131/mo | $148/mo |
| GPM Health and Life Insurance Company | $98/mo | $105/mo | $126/mo | $151/mo |
| AFLAC | $114/mo | $127/mo | $155/mo | $200/mo |
| Woodmen Of The World Life Insurance Society | $117/mo | $120/mo | $145/mo | $179/mo |
| HealthSpring National Health Insurance Company | $133/mo | $154/mo | $178/mo | $207/mo |
| Mutual of Omaha Insurance Company | $133/mo | $147/mo | $176/mo | $212/mo |
| Erie Family Life Insurance Company | $134/mo | $140/mo | $166/mo | $194/mo |
| State Farm Mutual Automobile Insurance Company | $135/mo | $164/mo | $195/mo | $225/mo |
| Highmark Blue Cross Blue Shield West Virginia | $138/mo | $155/mo | $174/mo | $194/mo |
| THP Ins. Co | $140/mo | $174/mo | $211/mo | $254/mo |
| Wisconsin Physicians Service Insurance Corporation | $162/mo | $193/mo | $226/mo | $258/mo |
| Humana Insurance Company | $167/mo | $194/mo | $227/mo | $264/mo |
| Guarantee Trust Life Insurance Company | $184/mo | $195/mo | $232/mo | $290/mo |
| United American Insurance Company | $186/mo | $242/mo | $280/mo | $318/mo |
| AARP - UnitedHealthcare Insurance Company | $323/mo | $332/mo | $339/mo | $353/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| First Health Life & Health Insurance Company | $103/mo | $122/mo | $142/mo | $160/mo |
| GPM Health and Life Insurance Company | $112/mo | $121/mo | $145/mo | $174/mo |
| AFLAC | $127/mo | $141/mo | $173/mo | $222/mo |
| Woodmen Of The World Life Insurance Society | $134/mo | $137/mo | $167/mo | $206/mo |
| HealthSpring National Health Insurance Company | $147/mo | $171/mo | $198/mo | $230/mo |
| Mutual of Omaha Insurance Company | $153/mo | $169/mo | $202/mo | $244/mo |
| Erie Family Life Insurance Company | $154/mo | $161/mo | $191/mo | $223/mo |
| State Farm Mutual Automobile Insurance Company | $140/mo | $184/mo | $222/mo | $260/mo |
| Highmark Blue Cross Blue Shield West Virginia | $138/mo | $155/mo | $174/mo | $194/mo |
| THP Ins. Co | $137/mo | $178/mo | $223/mo | $273/mo |
| Wisconsin Physicians Service Insurance Corporation | $178/mo | $212/mo | $249/mo | $284/mo |
| Humana Insurance Company | $174/mo | $206/mo | $249/mo | $298/mo |
| Guarantee Trust Life Insurance Company | $206/mo | $219/mo | $260/mo | $325/mo |
| United American Insurance Company | $214/mo | $278/mo | $322/mo | $366/mo |
| AARP - UnitedHealthcare Insurance Company | $364/mo | $374/mo | $382/mo | $398/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 West 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 |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $125/mo |
| w / 6% HHD | $147/mo | |
| Standard II w / 20% HHD | $187/mo | |
| Standard II w / 6% HHD | $220/mo | |
| Standard II | $234/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $133/mo |
| Level 2 | $329/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $138/mo |
| w / 6% HHD | $163/mo | |
| Standard II w / 20% HHD | $208/mo | |
| Standard II w / 6% HHD | $244/mo | |
| Standard II | $260/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $150/mo |
| Level 2 | $371/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 West 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 | $190/mo |
| Level 2 | $469/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $214/mo |
| Level 2 | $529/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 West 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 | $169/mo |
| Level 2 | $418/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $190/mo |
| Level 2 | $471/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 West 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 |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $156/mo |
| w / 6% HHD | $183/mo | |
| Standard II w / 20% HHD | $234/mo | |
| Standard II w / 6% HHD | $275/mo | |
| Standard II | $293/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $249/mo |
| Level 2 | $616/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $173/mo |
| w / 6% HHD | $204/mo | |
| Standard II w / 20% HHD | $260/mo | |
| Standard II w / 6% HHD | $305/mo | |
| Standard II | $325/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $281/mo |
| Level 2 | $694/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 West 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 |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $37/mo |
| w / 6% HHD | $43/mo | |
| Standard II w / 20% HHD | $55/mo | |
| Standard II w / 6% HHD | $65/mo | |
| Standard II | $69/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $41/mo |
| w / 6% HHD | $48/mo | |
| Standard II w / 20% HHD | $61/mo | |
| Standard II w / 6% HHD | $72/mo | |
| Standard II | $77/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 West 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 |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $135/mo |
| w / 6% HHD | $159/mo | |
| Standard II w / 20% HHD | $203/mo | |
| Standard II w / 6% HHD | $239/mo | |
| Standard II | $254/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $188/mo |
| Level 2 | $588/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $150/mo |
| w / 6% HHD | $177/mo | |
| Standard II w / 20% HHD | $226/mo | |
| Standard II w / 6% HHD | $265/mo | |
| Standard II | $282/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $213/mo |
| Level 2 | $663/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 West 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 | $88/mo |
| Level 2 | $219/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $100/mo |
| Level 2 | $248/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 West 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 | $124/mo |
| Level 2 | $308/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| AARP - UnitedHealthcare Insurance Company | Standard | $140/mo |
| Level 2 | $348/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 West 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 |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $93/mo |
| w / 6% HHD | $109/mo | |
| Standard II w / 20% HHD | $140/mo | |
| Standard II w / 6% HHD | $164/mo | |
| Standard II | $174/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $171/mo |
| Level 2 | $475/mo |
| Carrier | Rate Class (underwriting and/or household discount) | Monthly Rate |
|---|---|---|
| HealthSpring National Health Insurance Company | w / 20% HHD | $103/mo |
| w / 6% HHD | $121/mo | |
| Standard II w / 20% HHD | $155/mo | |
| Standard II w / 6% HHD | $182/mo | |
| Standard II | $194/mo | |
| AARP - UnitedHealthcare Insurance Company | Standard | $193/mo |
| Level 2 | $536/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. West Virginia strictly follows the traditional, federal 6-month Medigap Open Enrollment Period. This critical, one-time window automatically kicks off on the first day of the month you are 65 or older and enrolled in Medicare Part B. For these six months, private insurance companies cannot use medical underwriting, meaning they are prohibited from looking at your health history, charging you higher rates, or denying you a policy due to pre-existing conditions.
For the vast majority of Mountaineers, 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 can qualify sooner due to specific severe health conditions or long-term disabilities, 65 is the standard milestone for most West Virginians.
Yes. You can absolutely qualify for Original Medicare (Parts A and B) early if you have a qualifying disability and have received Social Security Disability Insurance (SSDI) benefits for 24 months, or if you have been diagnosed with ALS or End-Stage Renal Disease (ESRD). However, there is a local catch: West Virginia law does not require private insurance companies to sell Medigap policies to disabled beneficiaries under age 65. Because companies can choose not to offer them or charge much higher rates, many under-65 qualifiers opt for a Medicare Advantage plan as a temporary bridge until they turn 65, which is when a full, standard Medigap enrollment window automatically unlocks.
You have multiple guaranteed issue rights in West Virginia that shield you from being denied coverage or forced to answer invasive health questions. You automatically trigger these federal protections during your initial enrollment, or during major life shake-ups like an employer group health plan ending or a Medicare Advantage plan leaving your county. On top of that, West Virginia boasts extra state-level protections, including a 63-day window to purchase a plan if you lose your Medicaid eligibility, and an annual right to switch plans via the state's newly established birthday rule.
Yes. Effective June 11, 2026, West Virginia officially rolled out a state-mandated birthday rule. If you have continuously held your active Medigap policy for at least two years (24 months), a 60-day guaranteed-issue window opens up beginning on the first day of your birth month. During this time, you can switch your policy to a plan with equal or lesser benefits with no health questions asked. Keep in mind that you must choose a plan from your current insurer or an affiliated company (unless a comparable plan isn't available), ensuring you can coast down those wild and wonderful country roads with a lower premium.
Have more questions? Browse our complete FAQ library or call 1 (855) 665-9200