Old Surety Life Medicare Supplement Review: Cheapest in Nebraska, Bottom of the Board in Texas
By Anthony Orner, Independent Licensed Medicare Insurance Broker · CSG Actuarial filings pulled September 10, 2026 to September 14, 2026 · 7 states
Old Surety Life files the cheapest Plan G we track in Nebraska, $136.63 in Douglas County, for a non-smoking woman at 65. In Texas, the identical company ranks 19 of 26, 44% above that state's floor. Unrated by AM Best and carrying a Weiss D safety rating, the Oklahoma City carrier took a rate filing of 15% or more in 6 of its 7 states in 2026, topping out at +30.0% in Montana.
Every filing CSG holds for this carrier prices on an issue-age basis, so a policyholder's premium does not rise on birthdays the way it would with an attained-age carrier. It has not stopped the company from filing large block-wide increases: the record below runs back to 2018, and six of the seven states have already taken one this year.
The carrier pays the broker; your filed premium is the same with or without us.
Old Surety Life Plan G Rank in 7 States, Age 65
Green marks the cheapest carrier on the board. “Latest filing” is the most recent rate change CSG holds for that state; a 2026 date in red means the increase landed this year.
| State | Plan G | Rank | State floor | Over the floor | Latest filing |
|---|---|---|---|---|---|
| Nebraska | $136.63 | 1 of 24 | $136.63 (Old Surety Life) | floor | +9.0% March 2025 |
| Kansas | $161.56 | 3 of 25 | $142.96 (Bankers Fidelity (Atlantic Capital Life)) | +13% | +15.0% September 2026 |
| Colorado | $169.56 | 3 of 24 | $127.65 (Bankers Fidelity (Atlantic Capital Life)) | +33% | +20.0% July 2026 |
| North Carolina | $141.61 | 4 of 30 | $114.97 (Bankers Fidelity (Atlantic Capital Life)) | +23% | +15.0% June 2026 |
| Oklahoma | $166.78 | 7 of 26 | $134.12 (GPM Health and Life) | +24% | +15.0% July 2026 |
| Montana | $178.73 | 8 of 22 | $142.15 (Washington National) | +26% | +30.0% February 2026 |
| Texas | $205.54 | 19 of 26 | $142.78 (Bankers Fidelity (Atlantic Capital Life)) | +44% | +25.0% January 2026 |
Filed rates for a woman aged 65, non-tobacco, buying alone with no household discount, one sample ZIP in each flagship county, from CSG Actuarial (September 10, 2026 to September 14, 2026). Direct-to-consumer and guaranteed-issue rate classes are excluded. Old Surety Life files no Plan N in any of these states.
6 of 7 States Took a 15%-or-More Filing in 2026
Montana filed the steepest at +30.0%, effective February 1, 2026. This is not one bad state; it is the pattern. 6 of the 7 boards where Old Surety Life competes moved 15% or more this year, and none of the six moves came in under 15%. Only Nebraska has no 2026 filing on record as of September 14, 2026 — its most recent change was +9.0% in March 2025.
| State | Effective | Plan G Filed Increase |
|---|---|---|
| Montana | February 1, 2026 | +30.0% |
| Texas | January 1, 2026 | +25.0% |
| Colorado | July 1, 2026 | +20.0% |
| Kansas | September 1, 2026 | +15.0% |
| North Carolina | June 1, 2026 | +15.0% |
| Oklahoma | July 1, 2026 | +15.0% |
Every state's 2026 filings, from every carrier, sit side by side on 2026 Medigap rate increases.
Six states, six 2026 filings, none under 15%.
If your Old Surety Life renewal just landed, I can tell you which carriers in your state would take the application and at what rate.
Check My Options Before Renewing — 855-559-1700Issue-Age Pricing, No Plan N, and What That Means
Old Surety Life prices every Plan G filing in our footprint on an issue-age basis: the premium is set by your age when you buy the policy and does not climb again just because you had a birthday, unlike an attained-age carrier whose bill rises every year on top of any filed increase. That is a real structural advantage over some of the carriers on the state tables linked below.
It is not protection from the filings themselves. The 6 rate changes of 15% or more logged above hit the whole block at once, issue-age or not. And Old Surety Life files no Plan N in any of the 7 states we track — every filing on record is Plan G — so a shopper who wants Plan N's lower premium in exchange for its office and ER copays and Part B excess-charge exposure has to compare a different carrier for that letter.
Plan G itself pays everything Original Medicare leaves behind except the $283 Part B deductible, the same as any other company's Plan G; the plan letter is federally standardized and identical no matter who sells it.
Methodology
- All rates, ranks and filings are read at build time from our licensed CSG Actuarial state files (September 10, 2026 to September 14, 2026); no number is typed.
- The carrier is matched by NAIC code 67326 in every state. Parent group and the CSG-listed establishment year are as CSG reports them for the filing entity; the Old Surety brand itself has written insurance in Oklahoma City since 1932, per public carrier listings.
- AM Best rating status and the Weiss Ratings safety grade were checked directly against each service's own site as of September 14, 2026.
- Boards exclude direct-to-consumer and guaranteed-issue rate classes and any row above four times the state median.
- “2026 filing” means a rate change with a 2026 effective date in CSG's records for that state as of this pull; a state can still take a later filing after September 14, 2026.
Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in New Jersey and 34 other states. MedicareYourself (EasyKind Medicare) is an independent brokerage with no affiliation to Medicare, CMS, Old Surety Life or any carrier. We do not offer every plan available in your area; contact Medicare.gov or 1-800-MEDICARE for all options. 2026 figures: Part B premium $202.90, Part B deductible $283, Part A deductible $1,736.