United American Medicare Supplement Review: Where Its Rates Rank and How Fast They Rise
By Anthony Orner, Independent Licensed Medicare Insurance Broker · Filed-rate data as of October 17, 2026 · Source: CSG Actuarial
United American files Plan G at $186.00 to $411.00 a month at 65 in 24 states. It is the most expensive Plan G on the board in 5 of them and in the bottom three in 12. Its best spot is Arizona, 7 of 29.
Longevity is not the issue; it has sold Medigap since 1966. Price is: its median Plan G sits $102.65 a month above the cheapest filing in the same county.
Carriers pay the broker; the price you pay is the same either way.
United American Plan G and Plan N by State, Age 65
One flagship county per state, a woman aged 65, non-tobacco, no household discount. Ordered by where Plan G sits on its board, best first. “Latest filing” is the most recent Plan G change CSG holds for that state.
| State (county) | Plan G | G rank | Above cheapest | Plan N | Latest filing |
|---|---|---|---|---|---|
| Arizona (Maricopa County) | $186.00 | 7 of 29 | +$39.49 | $278.00 (29 of 29) | +10.81% (January 1, 2026) |
| Colorado (Denver County) | $204.00 | 14 of 24 | +$76.35 | $220.00 (19 of 21) | +14.94% (June 1, 2026) |
| Pennsylvania (Philadelphia County) | $216.00 | 18 of 27 | +$47.41 | $202.00 (26 of 27) | +7.81% (November 1, 2025) |
| Montana (Yellowstone County) | $228.00 | 15 of 22 | +$85.85 | $271.00 (19 of 20) | +15.02% (May 15, 2026) |
| Connecticut (Fairfield County) | $411.00 | 6 of 8 | +$115.25 | $242.00 (4 of 7) | 0% (February 15, 2026) |
| Florida (Hillsborough County) | $257.00 | 18 of 23 | +$56.42 | $189.00 (14 of 22) | +17.75% (March 15, 2026) |
| West Virginia (Kanawha County) | $201.00 | 20 of 25 | +$75.68 | $186.00 (24 of 25) | +11.99% (January 1, 2026) |
| Texas (Harris County) | $218.00 | 21 of 26 | +$75.22 | $243.00 (24 of 24) | +15.23% (April 15, 2026) |
| Michigan (Wayne County) | $253.00 | 23 of 27 | +$139.52 | $262.00 (26 of 27) | +14.96% (May 1, 2026) |
| Virginia (Fairfax County) | $211.00 | 18 of 21 | +$101.25 | $180.00 (20 of 21) | +5.15% (January 1, 2024) |
| Alabama (Jefferson County) | $262.00 | 19 of 22 | +$137.94 | $272.00 (21 of 21) | +15.06% (February 1, 2026) |
| South Carolina (Greenville County) | $208.00 | 22 of 25 | +$93.70 | $244.00 (24 of 24) | +14.77% (May 1, 2026) |
| Ohio (Cuyahoga County) | $240.00 | 31 of 34 | +$121.83 | $270.00 (32 of 33) | +9.15% (January 15, 2026) |
| Tennessee (Davidson County) | $218.00 | 26 of 28 | +$72.81 | $272.00 (27 of 27) | 0% (February 15, 2026) |
| New Hampshire (Hillsborough County) | $289.00 | 14 of 15 | +$104.46 | $251.00 (13 of 15) | +2.95% (January 1, 2026) |
| Wyoming (Laramie County) | $273.00 | 17 of 18 | +$135.24 | $260.00 (18 of 18) | +14.91% (January 1, 2026) |
| New Jersey (Camden County) | $245.00 | 18 of 19 | +$94.47 | $202.00 (19 of 20) | +15.8% (June 15, 2026) |
| Indiana (Marion County) | $224.00 | 26 of 27 | +$105.78 | $164.00 (22 of 26) | +8.77% (February 1, 2026) |
| North Carolina (Mecklenburg County) | $281.00 | 29 of 30 | +$166.03 | $262.00 (29 of 29) | +15.16% (April 1, 2026) |
| Arkansas (Pulaski County) | $331.00 | 23 of 23 | +$166.30 | $250.00 (23 of 23) | 0% (April 1, 2026) |
| Delaware (New Castle County) | $253.00 | 20 of 20 | +$97.93 | $205.00 (18 of 18) | +4.91% (June 1, 2026) |
| Georgia (Fulton County) | $332.00 | 20 of 20 | +$187.38 | $249.00 (21 of 21) | +9.77% (January 15, 2026) |
| Kansas (Johnson County) | $247.00 | 25 of 25 | +$104.04 | $236.00 (24 of 24) | +14.94% (February 15, 2026) |
| Mississippi (Hinds County) | $258.00 | 23 of 23 | +$142.89 | $262.00 (23 of 23) | +14.94% (May 1, 2026) |
A United American Plan G covers the same bills as any Plan G; federal law sets the benefits. The difference is the premium, and the table shows how large that difference is at 65.
The 2026 Increases
United American raised Plan G in 19 of these 24 states in 2026. The increases run from 2.95% to 17.75%, and the median is 14.94%. The steepest is Florida, 17.75% effective March 15, 2026. Connecticut, Tennessee and Arkansas show a 0% change for 2026.
Already own a United American policy? You can usually move if you can answer the new carrier's health questions. The gap in the table is what a new buyer at 65 sees. Your own premium and age set your real savings, so price the switch at your age.
A Plan N That Costs More Than Its Plan G
In Arizona, Colorado, Montana, Texas, Michigan, Alabama, South Carolina, Ohio, Tennessee and Mississippi, United American's filed Plan N at 65 is higher than its own Plan G. Plan N normally costs less because it adds copays at the doctor and ER. If a United American agent offered you Plan N to save money, check both letters across every carrier.
Globe Life and Accident, the Sister Filing
Globe Life and Accident Insurance Company is a related insurer under the same ownership as United American, and it files Medigap too. In Pennsylvania, North Carolina, Indiana, Tennessee and Ohio, both appear on the same board:
- Pennsylvania: Globe Life and Accident $187.00 (6 of 27), United American $216.00 (18 of 27).
- North Carolina: Globe Life and Accident $156.00 (12 of 30), United American $281.00 (29 of 30).
- Indiana: Globe Life and Accident $166.00 (12 of 27), United American $224.00 (26 of 27).
- Tennessee: Globe Life and Accident $173.00 (14 of 28), United American $218.00 (26 of 28).
- Ohio: Globe Life and Accident $174.00 (14 of 34), United American $240.00 (31 of 34).
Holding a United American Quote?
Compare it before you sign. United American sells through independent agents, so ask whoever quoted you to show the whole board at your ZIP. We compare every carrier filed at your age and help you apply with the one that fits.
A 1947 company whose Plan G sits in the bottom quarter of the board in 19 of 24 states.
Call with your ZIP and birth month. I'll show you every carrier filed at your age.
See Every Carrier at Your Age — 855-559-1700United American Medigap: Common Questions
Related:
Rates are carrier filed rates from CSG Actuarial, pulled September 9, 2026 to October 17, 2026: one flagship county per state, a 65-year-old woman, non-tobacco, no household discount. United American is NAIC 92916; Globe Life and Accident is NAIC 91472. United American also files in California, Oklahoma, Nebraska and Iowa, left out because we don't place business there. The 1947 founding, 1966 Medigap start, independent-agent distribution and AM Best statement are from United American's own company history. MedicareYourself is a private independent brokerage, not affiliated with or endorsed by Medicare, United American, Globe Life or any government agency. Questions about this data: anthony@easykindmedicare.com.