Medicare Supplement Rates in California
Navigating Medicare Supplement options in California comes with unique advantages. The state's community-rated system means premiums don't increase with age, offering long-term stability. Plus, California's birthday rule gives you an annual opportunity to switch plans without medical underwriting.
California Average Monthly Rates (Age 65, Female Non-Smoker)
Community-Rated State
California's birthday rule gives you a 60-day window following your birthday to switch to another Medigap plan with the same or lesser coverage without medical underwriting. This means you can't be denied coverage or charged a higher premium based on your health during this period.
California Medicare Supplement Rates by Carrier
California carrier rates — click headers to sort
Carrier | Plan G | Plan N | Plan F | Rating |
|---|---|---|---|---|
| Aetna | $151/mo | $116/mo | $180/mo | A |
| Aflac | $139/mo | $106/mo | $165/mo | A+ |
| Anthem Blue Cross Blue Shield | $156/mo | $120/mo | $186/mo | A |
| Best ValueCIGNA | $143/mo | $109/mo | $170/mo | A |
| Humana | $155/mo | $119/mo | $185/mo | A- |
| Best ValueMutual of Omaha | $148/mo | $114/mo | $175/mo | A+ |
| UnitedHealthcare (AARP) | $168/mo | $129/mo | $200/mo | A+ |
Rates are estimates for a 65-year-old female non-smoker. Actual rates vary by age, gender, and tobacco status.
💰 California Savings Tip
Because California Medigap plans are community-rated, your age doesn't affect your premium. Take advantage of the birthday rule to shop for the best rate each year, as rates can vary significantly between carriers.
Quick Savings Estimator
Enter your current monthly premium to see your potential savings.
How to Switch Medicare Supplements in California
California offers a unique 'birthday rule' that allows you to switch Medigap plans for 60 days following your birthday each year without medical underwriting. This means you can change to a plan with the same or lesser benefits without worrying about pre-existing conditions.
Compare rates
See what other carriers charge for the exact same plan
Apply with new carrier
Simple application, often approved same day
Cancel old policy
Once new coverage starts, cancel your old plan
California Medicare Supplement Plans
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