American Benefit Life Medicare Supplement Review: Rates, Rank and Rate Increases
By Anthony Orner, Independent Licensed Medicare Insurance Broker · Filed-rate data as of September 14, 2026 · Source: CSG Actuarial
American Benefit Life files Plan G at $135.55 to $283.68 a month at 65 across the 19 states below. Its best showing is Mississippi, 4 of 23 carriers. Its median rank is 11, and it runs $19.82 to $118.98 above each state's cheapest Plan G.
The bigger story is the rate history. It filed a Plan G increase in each of 2023, 2024 and 2025 in all 19 states on this page. Compounded since 2023, the filings run from +20.1% in Indiana to +89.4% in Arizona. Its steepest single filing was +35.0% in Arizona, effective September 2026.
American Benefit Life, or American Benefit LLC?
Different companies. American Benefit Life Insurance Company (NAIC 66001) is the insurer that issues the policy. American Benefit LLC describes itself as a benefits broker selling other companies' plans. If your quote or rate letter reads “American Benefit Life Insurance Company”, this page is about it.
Carriers pay the broker; the price you pay is the same either way.
American Benefit Life Plan G and Plan N by State, Age 65
One flagship county per state, a woman aged 65, non-tobacco, no household discount. Best Plan G rank first. “Since 2023” compounds every filed Plan G change from 2023 on.
| State (county) | Plan G | G rank | Above cheapest | Plan N | Latest G filing | Since 2023 |
|---|---|---|---|---|---|---|
| Mississippi (Hinds County) | $135.55 | 4 of 23 | +$20.44 | $100.43 | +17.9% (October 2025) | +31.2% |
| Indiana (Marion County) | $156.54 | 5 of 27 | +$38.32 | $117.07 | +10.0% (October 2025) | +20.1% |
| New Jersey (Camden County) | $180.63 | 6 of 19 | +$32.75 | $129.99 | +13.9% (September 2025) | +25.5% |
| South Carolina (Greenville County) | $148.00 | 7 of 25 | +$33.70 | $109.66 | +19.0% (September 2026) | +49.6% |
| Virginia (Fairfax County) | $152.90 | 7 of 21 | +$43.15 | $103.07 | +19.2% (December 2025) | +36.1% |
| Pennsylvania (Philadelphia County) | $188.41 | 7 of 27 | +$19.82 | $142.09 | +19.9% (October 2025) | +33.4% |
| Alabama (Jefferson County) | $177.53 | 9 of 22 | +$53.47 | $125.20 | +15.0% (August 2026) | +45.7% |
| Kansas (Johnson County) | $181.62 | 10 of 25 | +$38.66 | $132.04 | +15.0% (September 2026) | +48.5% |
| Georgia (Fulton County) | $196.36 | 10 of 20 | +$51.74 | $148.17 | +15.0% (September 2026) | +51.2% |
| North Carolina (Mecklenburg County) | $155.43 | 11 of 30 | +$40.46 | $117.51 | +14.0% (August 2026) | +53.4% |
| Delaware (New Castle County) | $176.18 | 12 of 20 | +$21.11 | $128.77 | +14.9% (September 2026) | +40.5% |
| Tennessee (Davidson County) | $172.88 | 13 of 28 | +$27.69 | $124.86 | +19.0% (September 2026) | +52.2% |
| West Virginia (Kanawha County) | $176.95 | 13 of 25 | +$51.63 | $129.34 | +25.0% (August 2026) | +70.3% |
| Florida (Hillsborough County) | $252.42 | 15 of 23 | +$51.84 | $188.65 | +12.0% (September 2026) | +38.3% |
| Texas (Harris County) | $203.57 | 18 of 26 | +$60.79 | $146.40 | +20.9% (September 2026) | +61.2% |
| Arizona (Maricopa County) | $218.25 | 19 of 29 | +$71.74 | $152.55 | +35.0% (September 2026) | +89.4% |
| Michigan (Wayne County) | $227.73 | 21 of 27 | +$114.25 | $168.72 | +25.0% (August 2026) | +71.2% |
| Arkansas (Pulaski County) | $283.68 | 22 of 23 | +$118.98 | $224.30 | +25.0% (August 2026) | +83.5% |
| Ohio (Cuyahoga County) | $196.34 | 23 of 34 | +$78.17 | $139.12 | +19.0% (August 2026) | +61.5% |
Plan G benefits are set by federal law, so an American Benefit Life Plan G pays the same bills as anyone else's. The difference between carriers is the premium and how fast it rises. A filed percentage applies to the rate schedule; your own increase also depends on your age and rating method.
Filed Again in 2026 in 14 States
CSG shows a 2026 Plan G filing in South Carolina, Alabama, Kansas, Georgia, North Carolina, Delaware, Tennessee, West Virginia, Florida, Texas, Arizona, Michigan, Arkansas and Ohio. The rest last filed in 2025. The starting rate is only part of what a policy costs you over ten years.
Rating method changes how a filing reaches you. In Mississippi, Indiana, New Jersey, South Carolina, Virginia, Pennsylvania, Alabama, Kansas, North Carolina, Delaware, Tennessee, West Virginia, Texas, Michigan and Ohio, the premium also rises with each birthday. In Georgia, Florida and Arizona, it is set by your age when you buy, so only filings move it. In Arkansas, everyone pays the same rate regardless of age.
Got a Rate-Increase Letter?
At 65, in the county we sample, another carrier files a lower Plan G in every state above. At your age and ZIP it may differ. Switching means a new application. Outside your Medigap Open Enrollment Period, the new company can ask health questions and turn you down, unless you have a guaranteed-issue right or your state sets its own rules. Apply first and cancel the old policy only after the new one is approved.
Our guide to switching Medigap carriers covers the timing. Or enter your ZIP and we'll compare the carriers filed at your age.
Up to +89.4% in Arizona since 2023, and $19.82 to $118.98 above the cheapest Plan G today.
Call with your ZIP and birth month. I'll compare the carriers filed at your ZIP, American Benefit Life included.
Compare Carriers at Your Age — 855-559-1700American Benefit Life: Common Questions
Related:
Rates and filings are carrier filed rates from CSG Actuarial, pulled September 9, 2026 to September 14, 2026: one flagship county per state, a 65-year-old woman, non-tobacco, no household discount. Compounded figures multiply each filed Plan G change from 2023 on. American Benefit Life also files in Nebraska, Iowa and Oklahoma, left out because we don't place business there. MedicareYourself is a private independent brokerage, not affiliated with or endorsed by Medicare, American Benefit Life Insurance Company or any government agency. We do not offer every plan available in your area. Questions about this data: anthony@easykindmedicare.com.