California Plan G rate history
The most comprehensive plan still open to new enrollees. This page tracks what Plan G carriers have filed with the California insurance regulator and what those filings show about renewal increases.
What Plan G costs in California
Plan G premiums in California run from $185.30 to $383.75 per month across 15 carriers, for the quoted scenario described below. Figures marked unverified have not yet been matched to a filing.
| Carrier | Age | Rating method | Monthly premium |
|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $185.30/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $202.13/mo (unverified) |
| American Retirement Life Insurance Company (Cigna) | 65 | Attained age | $203.04/mo (unverified) |
| (Anthem) Anthem Blue Cross Life And Health Insurance Company | 65 | Attained age | $204.58/mo (unverified) |
| Blue Shield Of California Life & Health Insurance Company | 65 | Attained age | $205.00/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $205.63/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $210.29/mo (unverified) |
| Manhattanlife Insurance And Annuity Company | 65 | Attained age | $213.08/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $214.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $223.12/mo (unverified) |
| Blue Shield Of California Life & Health Insurance Company | 65 | Attained age | $228.00/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $228.82/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $235.75/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $236.05/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $238.53/mo (unverified) |
| United World Life Insurance Company | 65 | Attained age | $240.85/mo (unverified) |
| Manhattanlife Insurance And Annuity Company | 70 | Attained age | $241.75/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $245.25/mo (unverified) |
| (Anthem) Anthem Blue Cross Life And Health Insurance Company | 70 | Attained age | $249.65/mo (unverified) |
| American Retirement Life Insurance Company (Cigna) | 70 | Attained age | $251.23/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 65 | Attained age | $255.56/mo (unverified) |
| Everence Association Inc | 65 | Attained age | $256.82/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $261.07/mo (unverified) |
| Blue Shield Of California Life & Health Insurance Company | 70 | Attained age | $271.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $275.88/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $280.00/mo (unverified) |
| Blue Shield Of California Life & Health Insurance Company | 70 | Attained age | $293.00/mo (unverified) |
| United World Life Insurance Company | 70 | Attained age | $299.91/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 70 | Attained age | $309.21/mo (unverified) |
| Humana Insurance Company | 65 | Attained age | $320.90/mo (unverified) |
| Everence Association Inc | 70 | Attained age | $323.07/mo (unverified) |
| Humana Insurance Company | 70 | Attained age | $383.75/mo (unverified) |
Filed rate actions
A rate action is the increase a carrier asked the state to approve on an existing block of Plan G policies. It is separate from the age increase built into an attained-age premium, and it is the number that tells you how a carrier has treated the people already holding the policy.
| Carrier | Effective | Filed change |
|---|---|---|
| Bankers Life (Underwritten By Washington National Insurance Company) | September 1, 2026 | +16.9% (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | September 1, 2026 | +20.0% (unverified) |
| Insurance Company Of North America | August 1, 2026 | +15.0% (unverified) |
| American Retirement Life Insurance Company (Cigna) | July 1, 2026 | +17.0% (unverified) |
| Blue Shield Of California Life & Health Insurance Company | July 1, 2026 | +12.6% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | July 1, 2026 | +20.0% (unverified) |
| Blue Shield Of California Life & Health Insurance Company | July 1, 2026 | +12.9% (unverified) |
| Humana Insurance Company | July 1, 2026 | +20.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +12.1% (unverified) |
| USAA Life Insurance Company | May 1, 2026 | +17.0% (unverified) |
| United American Insurance Company | April 15, 2026 | +15.1% (unverified) |
| State Farm Mutual Automobile Insurance Company | April 1, 2026 | +15.0% (unverified) |
| Everence Association Inc | April 1, 2026 | +10.0% (unverified) |
| (Anthem) Anthem Blue Cross Life And Health Insurance Company | March 1, 2026 | +14.6% (unverified) |
| Manhattanlife Insurance And Annuity Company | February 1, 2026 | +15.0% (unverified) |
| United World Life Insurance Company | December 1, 2025 | +20.0% (unverified) |
Rates and approved increases change. Past rate increases do not predict future increases. Verify current pricing with the carrier or the issuing state's insurance department before making a decision.
What Plan G covers
Plan G covers everything Plan F covers except the Part B deductible, which you pay once a year. It is the plan most people compare first, and the one with the deepest, most competitive set of filings in nearly every state — which is what makes its rate history the clearest read on how a carrier behaves over time.
With Plan G, you still pay:
- The Part B annual deductible
Benefits are standardized by federal law, so Plan G from one carrier pays the same claims as Plan G from another. Price, rate-increase history and service are what differ. That is the whole argument for reading filings.
Switching Plan G carriers in California
If you already hold a Medigap policy, you get a 60-day window each year following your birthday to buy a new one without medical screening or a new waiting period. The new policy must carry the same or lesser benefits than the one you hold.
California: birthday rule — 60 days. State rules change; confirm the current window with the California insurance department or your SHIP counselor before you apply anywhere.