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Humana Medigap Review 2026: Rate History, Loss Ratios & State-by-State Pricing

By Anthony Orner, Licensed Medicare Insurance Broker · Data as of 2026-04-24

Humana Medicare Supplement policies — marketed as Humana Achieve in most states and legally underwritten by Humana Insurance Company of Kentucky (NAIC 60219) — hold an AM Best A (Stable) financial strength rating. In the last 12 months, Humana filed Plan G rate increases of 16% to 25% in every state we reviewed, driven by loss ratios that reached or exceeded 100% in three of four states.

This review uses actual state rate filings and CSG Actuarial market data to show where Humana Medigap is priced competitively and where it is not. Humana ranks anywhere from 9th to 25th among the carriers competing for your premium dollar, depending on the state. Benefits are federally standardized, so identical Plan G coverage is available from other carriers at lower cost in every state reviewed.

Compare All Carriers at healthplans.now →

National Ratings Don't Tell You How Humana Prices in Your State

Medicare Supplement benefits are federally standardized — every Plan G covers the same services regardless of which carrier you buy from. What varies is the premium, the carrier's rate-increase history, and the pricing method. Those three variables can swing your lifetime cost by tens of thousands of dollars.

Here is why a carrier's national reputation and AM Best rating don't predict your state's experience: Medigap premiums are filed with each state's Department of Insurance and approved on a state-by-state basis. When a carrier's loss ratio in a particular state (claims paid ÷ premiums collected) climbs toward or above 100%, the carrier is losing money on that block of business. They can't just absorb it indefinitely — they file for a rate increase. Healthy policyholders, who shop the market, switch to cheaper carriers. The remaining pool skews sicker, loss ratios rise further, and the cycle repeats. This is called the adverse selection spiral, and it is the single most important dynamic to understand before choosing a Medigap carrier.

Humana's public state-market data shows this pattern in real time. The sections below document each filed rate increase, the yearly loss ratio, and Humana's rank in each state's current pricing spread. All figures are sourced from CSG Actuarial and state Department of Insurance filings.

Humana Medigap: Company & Product Facts

Company

  • Legal entity: Humana Insurance Company (NAIC 60219); policies in PA, TX, and several other states are marketed as "Humana Achieve" and underwritten by Humana Insurance Company of Kentucky
  • AM Best: A (Excellent), outlook Stable
  • Standard & Poor's: A
  • Established: 2004 (Humana Insurance Company subsidiary)
  • Customer satisfaction ratio (CSG): 0.83

Product

  • Plans offered (states reviewed): Plan G, Plan N, High-Deductible G; some states also offer Plan A
  • Rate type: Attained-age — premiums rise every year as you age, in addition to annual filed increases
  • Household discount: 7.1% (NJ) to 12.1% (PA, OH, TX) for eligible applicants
  • Part B deductible for 2026: $283 (Plan G covers everything else; you pay this)
About attained-age pricing: Humana uses attained-age pricing in all four states we reviewed. That means your premium automatically increases each year just because you got a year older — separately from any filed rate increase. Over a 15–20 year Medigap tenure this compounds meaningfully versus community-rated or issue-age-rated carriers where your premium tracks inflation only.

State-by-State Report Cards

Each card below shows Humana's current Plan G premium for a 65-year-old female non-tobacco user, market rank, every filed rate increase in the state, and the loss ratio trend. Data as of 2026-04-24 via CSG Actuarial.

Pennsylvania (PA)

Humana Plan G @ 65 F
$177.02/mo
Base rate · $155.54 with household discount (12.1%)
Market Spread
$137.68 – $295.51
Median $189.81 · 30 carriers
Humana Rank
9 of 30
29% above cheapest Plan G

Filed Rate Increases (Pennsylvania, Plan G)

Effective DateFiled Increase
2024-10-01+7.42%
2025-11-01+19.53%

Loss Ratio Trend (Pennsylvania)

YearPolicyholdersLoss Ratio
202346166.7%
20244,720105.4% ⚠
202511,761108% ⚠

Loss ratio = claims paid ÷ premiums collected. A ratio above 100% means Humana paid out more than it collected. Source: CSG Actuarial med_supp_market_data, as of 2026-04-24.

Our verdict for Pennsylvania: Mid-pack pricing with rapidly growing membership and loss ratios above 100% for two years running. Recent +19.53% filing is a direct response to unsustainable claims costs. Expect further rate pressure.

New Jersey (NJ)

Humana Plan G @ 65 F
$182.60/mo
Base rate · $169.68 with household discount (7.1%)
Market Spread
$147.88 – $260.98
Median $179.94 · 19 carriers
Humana Rank
13 of 19
23% above cheapest Plan G

Filed Rate Increases (New Jersey, Plan G)

Effective DateFiled Increase
2024-06-01+7.01%
2025-08-01+16.22%

Loss Ratio Trend (New Jersey)

YearPolicyholdersLoss Ratio
202060045.9%
20212,08673.2%
20223,20078%
20233,61390.2%
20243,95694.1%
20254,362100.6% ⚠

Loss ratio = claims paid ÷ premiums collected. A ratio above 100% means Humana paid out more than it collected. Source: CSG Actuarial med_supp_market_data, as of 2026-04-24.

Our verdict for New Jersey: Loss ratio climbed every single year from 46% (2020) to 100.6% (2025). Crossing the 100% threshold triggered the recent +16.22% filing. Pattern strongly suggests continued rate pressure.

Ohio (OH)

Humana Plan G @ 65 F
$179.25/mo
Base rate · $157.50 with household discount (12.1%)
Market Spread
$118.17 – $342.84
Median $164.49 · 34 carriers
Humana Rank
25 of 34
52% above cheapest Plan G

Filed Rate Increases (Ohio, Plan G)

Effective DateFiled Increase
2021-01-01+5.51%
2022-03-01+5.51%
2023-04-01-5%
2024-04-01+7.5%
2025-04-01+7.52%
2026-04-01+25.03%

Loss Ratio Trend (Ohio)

YearPolicyholdersLoss Ratio
202041555.8%
202184676.1%
202298278.9%
20231,26486.7%
20242,00396.9%
20254,49192%

Loss ratio = claims paid ÷ premiums collected. A ratio above 100% means Humana paid out more than it collected. Source: CSG Actuarial med_supp_market_data, as of 2026-04-24.

Our verdict for Ohio: Six rate filings in six years with the most recent a 25.03% increase effective April 1, 2026 — the largest in this dataset. At rank 25 of 34 carriers, Humana Plan G in Ohio is 52% more expensive than the state's cheapest Plan G for identical benefits. Shop competitors first.

Texas (TX)

Humana Plan G @ 65 F
$217.63/mo
Base rate · $191.27 with household discount (12.1%)
Market Spread
$129.92 – $284.86
Median $179.97 · 28 carriers
Humana Rank
23 of 28
68% above cheapest Plan G

Filed Rate Increases (Texas, Plan G)

Effective DateFiled Increase
2024-03-01+8.51%
2025-03-01+10.52%
2026-04-01+18.02%

Loss Ratio Trend (Texas)

YearPolicyholdersLoss Ratio
2022895113.2% ⚠
20231,625117.1% ⚠
20242,58194%
20255,11198.9%

Loss ratio = claims paid ÷ premiums collected. A ratio above 100% means Humana paid out more than it collected. Source: CSG Actuarial med_supp_market_data, as of 2026-04-24.

Our verdict for Texas: Humana Plan G in Texas is 67.5% more expensive than the cheapest Plan G in the state — the largest gap in this dataset. Loss ratios hit 113-117% in 2022-2023 before the 8.5%, 10.5%, and 18.0% filings corrected pricing. For identical federally-standardized benefits, Texas shoppers should compare before choosing Humana.

North Carolina — Data Refresh Pending

We place Humana Medicare Supplement policies in North Carolina. State-specific rate and loss-ratio data for NC will be added in the next CSG Actuarial data refresh. For current NC quotes, call 855-559-1700 or apply at healthplans.now.

Humana Plan G, Plan N & High-Deductible Plan G

Because all Medigap plan letters are federally standardized, a Humana Plan G covers the exact same services as Plan G from any other carrier. Plan N and High-Deductible Plan G behave the same way — identical benefits across carriers, only premium and rate history differ.

Plan G with Humana

Humana Plan G covers everything Original Medicare covers with one exception: the $283 Part B deductible, which you pay out of pocket each year. Humana uses attained-age pricing in every state we reviewed, so expect your premium to rise each year from both the age step and any state-approved rate filing.

Plan N with Humana

Humana Plan N trades the Part B excess charges coverage and a small office/ER copay for a lower monthly premium. In Pennsylvania, Humana Plan N ranks 4th of 30 carriers at 65 F non-tobacco, which makes PA the best value for a Humana Medigap applicant among the states we reviewed.

High-Deductible Plan G with Humana

High-Deductible G runs a substantially lower monthly premium but shifts several thousand dollars of annual deductible risk to you before the plan pays. For healthy 65-year-olds with emergency savings, it can be a reasonable fit. Humana HDG ranks middle-of-pack in every state we reviewed.

How to Apply for a Humana Medigap Plan

Because the decision to enroll in Humana versus a lower-priced competitor depends entirely on your state, your age, your household status, and your tolerance for attained-age pricing over time, we recommend comparing all carriers licensed in your ZIP before applying. Humana sits between the least-expensive and most-expensive carriers in every state we reviewed — applying through a multi-carrier comparison tool is the only way to know whether Humana is your best option.

Applying online at healthplans.now takes most people under 15 minutes and compares Humana alongside every other carrier in your ZIP. Federal law gives you a 30-day free look period once any Medigap policy is issued; you may review and cancel for a full premium refund if you change your mind.

Compare & Apply at healthplans.now →

Frequently Asked Questions

Questions About Humana Medigap? Talk to a Licensed Broker — 855-559-1700

Data sources & methodology. All carrier rates, filed rate increases, and historical loss-ratio data on this page are sourced from the CSG Actuarial API as of 2026-04-24. Loss ratios are computed from CSG's med_supp_market_data field (claims ÷ premiums per state per year). Current Plan G premiums reflect a Female 65 non-tobacco applicant at a flagship ZIP in each state (Philadelphia 19103, Cherry Hill 08002, Cleveland 44101, Houston 77002). Rates in smaller ZIPs within the same state may differ.

Disclosure. This page is published by MedicareYourself, a brand of EasyKind Medicare. We are a licensed independent Medicare insurance broker. We do not offer every plan available in your area. Any information we provide is limited to the plans we offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week, to get information on all of your options. Plan availability, plan letters, and premiums vary by state and are subject to state Department of Insurance rate filings.

Medicare has neither reviewed nor endorsed this information. 2026 Medicare figures: Part B premium $202.90/month, Part B deductible $283, Part A deductible $1,676.