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WoodmenLife Medigap Review 2026: State-by-State Rate History & Loss Ratios

By Anthony Orner, Licensed Medicare Insurance Broker · Data as of 2026-04-26

WoodmenLife (NAIC 57320) holds an AM Best A+ (Stable) financial strength rating and writes Medicare Supplement Plan G in all five states we reviewed. The pricing data tells a consistent story: WoodmenLife is mid-pack to high in every state, ranging from 32% to 52% above the cheapest Plan G in the same state for identical federally-standardized benefits.

Recent rate filings paint a starker picture. WoodmenLife filed Plan G increases in all five states in the last 24 months. The Texas filing of +41.60% effective February 2026 is the largest single-year Plan G increase we have seen in any carrier review — a direct response to claims experience that pricing hadn't kept up with. Loss ratios across the family are climbing toward 100% in most states despite the recent hikes, suggesting more rate pressure ahead.

Last reviewed: April 2026 · CSG Actuarial rate & market data

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Why WoodmenLife's Rate History Matters More Than Its Brand

WoodmenLife's A+ AM Best rating is real and current — the carrier is financially strong. But financial strength is necessary, not sufficient, for a good Medigap value. The economic question is what the carrier's pricing trajectory looks like over your 15-20 year Medigap tenure: which way are filed rate increases going, and what do loss ratios suggest is coming next?

The data on WoodmenLife is consistent: multiple Plan G rate increases in every state we reviewed, totaling roughly 30-50% compounded over 23 months in some states. The +41.60% Texas filing effective February 2026 is the single largest filed increase in our entire carrier dataset. Combined with attained-age pricing — where premiums automatically rise each year as you age — the long-term cost curve compounds aggressively.

Loss ratios — claims paid divided by premiums collected — tell us why rates keep rising. WoodmenLife's loss ratios in our reviewed states have been climbing rapidly as their book of business grows. When loss ratios approach or exceed 100%, more rate increases follow. The state-by-state report cards below show every filed rate increase and the loss-ratio history.

WoodmenLife Medigap: Company & Product Facts

Company

  • Legal entity: WoodmenLife (NAIC 57320)
  • AM Best: A+ (Stable)
  • Medigap-issuing entity established: 2023 (parent fraternal organization is older)

Product

  • Plans offered (states reviewed): Plan G, Plan N, High-Deductible Plan G
  • Rate type: Attained-age (premiums rise annually with age)
  • State footprint: All 5 of our review states (PA, NJ, OH, NC, TX)
  • Part B deductible for 2026: $283
About attained-age pricing: WoodmenLife uses attained-age pricing in all five states we reviewed. Your premium rises each year as you age, in addition to any state-approved rate filing. With the recent +41.60% TX filing and similar large increases in other states, the long-term cost trajectory of a WoodmenLife Medigap policy is aggressive.

State-by-State Report Cards

Each card below shows WoodmenLife's current Plan G premium for a 65-year-old female non-tobacco user, market rank, every filed rate increase in our data, and the loss-ratio trend. As of 2026-04-26 via CSG Actuarial.

Pennsylvania (PA)

WoodmenLife Plan G @ 65 F
$194.50/mo
Market Spread
$137.68 – $295.51
Median $189.81 · 30 carriers
WoodmenLife Rank
18 of 30
+41.3% above cheapest Plan G

Filed Rate Increases (Pennsylvania, Plan G)

Effective DateFiled Increase
2024-06-01+9.01%
2025-06-01+15%
2026-01-15+8.99%

Loss Ratio Trend (Pennsylvania)

YearPolicyholdersLoss Ratio
20242852%
202575127% ⚠

Loss ratio = claims paid ÷ premiums collected. Source: CSG Actuarial, as of 2026-04-26.

Our verdict for Pennsylvania: Three rate filings in 23 months totaling roughly 36% compounded. Tiny PA block (75 lives in 2025) but loss ratio jumped to 127% — claims significantly outpacing premiums. Mid-pack pricing at rank 18 of 30, 41% above the cheapest Plan G. Strong upward rate pressure likely.

New Jersey (NJ)

WoodmenLife Plan G @ 65 F
$205.29/mo
Market Spread
$147.88 – $260.98
Median $179.94 · 19 carriers
WoodmenLife Rank
16 of 19
+38.8% above cheapest Plan G

Filed Rate Increases (New Jersey, Plan G)

Effective DateFiled Increase
2024-06-01+9%
2025-06-01+15%
2026-03-01+9%

Loss Ratio Trend (New Jersey)

YearPolicyholdersLoss Ratio
20247157% ⚠
20257114% ⚠

Loss ratio = claims paid ÷ premiums collected. Source: CSG Actuarial, as of 2026-04-26.

Our verdict for New Jersey: Tiny NJ block (7 lives) with loss ratios 114-157% — the carrier is losing money on this state and recent rate filings reflect it. Ranks 16 of 19 carriers; you're paying 39% above the cheapest NJ Plan G. With only seven policyholders, the data is statistically thin but the rate-filing pattern suggests the company is not finding equilibrium here.

Ohio (OH)

WoodmenLife Plan G @ 65 F
$156.50/mo
Market Spread
$118.17 – $342.84
Median $164.49 · 34 carriers
WoodmenLife Rank
12 of 34
+32.4% above cheapest Plan G

Filed Rate Increases (Ohio, Plan G)

Effective DateFiled Increase
2024-05-01+9%
2025-04-01+15%

Loss Ratio Trend (Ohio)

YearPolicyholdersLoss Ratio
202350%
20244847%
20259798%

Loss ratio = claims paid ÷ premiums collected. Source: CSG Actuarial, as of 2026-04-26.

Our verdict for Ohio: Best WoodmenLife state in our review — rank 12 of 34, 32% above the cheapest Plan G. Two rate filings (9%, then 15%) in two years. Loss ratio climbed from 0% (5 lives) → 47% (48 lives) → 98% (97 lives) as block grew, the classic adverse-selection trajectory. Likely more rate pressure ahead.

North Carolina (NC)

WoodmenLife Plan G @ 65 F
$152.66/mo
Market Spread
$101.83 – $280.62
Median $147.50 · 31 carriers
WoodmenLife Rank
21 of 31
+49.9% above cheapest Plan G

Filed Rate Increases (North Carolina, Plan G)

Effective DateFiled Increase
2024-05-15+9.01%
2025-01-01no change
2025-04-01+18%
2026-01-15+15%

Loss Ratio Trend (North Carolina)

YearPolicyholdersLoss Ratio
20236334%
202425969%
202550676%

Loss ratio = claims paid ÷ premiums collected. Source: CSG Actuarial, as of 2026-04-26.

Our verdict for North Carolina: Four filings in 23 months: +9%, +0%, +18%, +15% — totaling roughly 47% compounded. Loss ratio still healthy at 76% but climbing fast. Currently ranks 21 of 31 carriers; you're paying 50% above the cheapest NC Plan G. Membership growing (63 → 506 lives) while rate filings escalate.

Texas (TX)

WoodmenLife Plan G @ 65 F
$197.75/mo
Market Spread
$129.92 – $284.86
Median $179.97 · 28 carriers
WoodmenLife Rank
19 of 28
+52.2% above cheapest Plan G

Filed Rate Increases (Texas, Plan G)

Effective DateFiled Increase
2024-05-15+9.01%
2026-02-15+41.6%

Loss Ratio Trend (Texas)

YearPolicyholdersLoss Ratio
202319883%
20241,25689%
20253,37193%

Loss ratio = claims paid ÷ premiums collected. Source: CSG Actuarial, as of 2026-04-26.

Our verdict for Texas: +41.60% rate filing effective February 2026 — the largest single-year Plan G increase in our entire dataset. Membership grew rapidly (198 → 3371 lives) while loss ratio climbed from 83% to 93%. The +41.6% filing is the carrier resetting pricing aggressively to catch up. Anyone enrolled before February 2026 just absorbed the full increase. Currently ranks 19 of 28 carriers; you're paying 52% above the cheapest TX Plan G.

Plan G and Plan N with WoodmenLife

WoodmenLife offers Plan G, Plan N, and High-Deductible Plan G in the states we reviewed. Because all Medigap plan letters are federally standardized, a WoodmenLife Plan G covers the same services as Plan G from any other carrier — only premium and rate-history differ.

Given WoodmenLife's consistently mid-to-high pricing across every state in our review and the recent magnitude of rate filings (especially the +41.60% Texas filing), we recommend running a multi-carrier comparison before choosing. Lower-priced alternatives with more stable rate histories are available in every state we reviewed.

How to Apply

Compare all carriers in your ZIP before choosing — especially with WoodmenLife, where the pricing data and rate-filing history don't make a strong case relative to lower-cost alternatives. If you specifically prefer WoodmenLife after seeing the data, that's a defensible choice; we'll help you apply.

Applying online at healthplans.now takes most people under 15 minutes and compares WoodmenLife alongside every other carrier in your area. Federal law gives you a 30-day free look period after any Medigap policy is issued.

Compare & Apply at healthplans.now →

Frequently Asked Questions

Questions About WoodmenLife 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 2026-04-26. Loss ratios are computed from CSG's state-level market data (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, Charlotte 28202, Houston 77002). Rates in smaller ZIPs 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.