Cheapest Medigap Plan G and Plan N in Alaska
Plan G from one insurer covers exactly what Plan G from any other covers, so price is the main difference. We rank every insurer in Alaska’s official rate guide by its yearly premium at 65, and show how it prices increases as you age.
What these rates are. Monthly premiums at ages 65, 70, 75, 80 and 85 by sex, tobacco use and rate class, as reported by each insurer for Alaska’s 2026 guide (insurers take part voluntarily). Each insurer’s rate effective date is shown. Source: the Alaska Division of Insurance, 2026 edition (PDF dated May 29, 2026); each insurer’s rate effective date is shown. Rates change during the year and your quote depends on your age, ZIP code, health and when you apply, so treat this as a shortlist and get quotes.
Showing: Female.
Plan G, ranked
Plan G covers everything Medicare-approved except the Part B deductible. What each plan covers.
| # | Insurer | Monthly at 65 | Yearly at 65 | Yearly at 75 | Pricing |
|---|---|---|---|---|---|
| 1 | First Health Life & Health Insurance CompanyRate class: Unisex – Non-Smoker – Preferred · rates effective March 1, 2026 | $148 | $1,776 | $2,400 | Attained Age |
| 2 | Washington National Insurance CompanyRate class: Female – Smoker/Non-Smoker – Preferred · rates effective December 1, 2025 | $154 | $1,848 | $2,712 | Attained Age |
| 3 | USAA Life Insurance CompanyRate class: Unisex – Non-Smoker · rates effective September 1, 2026 | $157 | $1,884 | $2,508 | Attained Age |
| 4 | State Farm Mutual Automobile Ins. Co.Rate class: Female – Non-Smoker · rates effective June 1, 2026Smoker rate is 10% more than the non-smoker rate | $165 | $1,980 | $2,856 | Attained Age |
| 5 | Aetna Health and Life Insurance CompanyRate class: Female – Non-Smoker – Preferred · rates effective September 1, 2025 | $166 | $1,992 | $2,484 | Attained Age |
| 6 | Monitor Life Insurance Company of New YorkRate class: Female – Non-Smoker – Preferred · rates effective April 1, 2026 | $169 | $2,028 | $2,448 | Attained Age |
| 7 | Moda Health, Inc.Rate class: Female – Non-Smoker – Preferred · rates effective March 1, 2026 | $175 | $2,100 | $3,204 | Attained Age |
| 8 | Insurance Company of North AmericaRate class: Female – Non-Smoker – Preferred · rates effective June 20, 2025 | $190 | $2,280 | $2,760 | Attained Age |
| 9 | Premera Blue Cross Blue Shield of AlaskaRate class: Unisex – Smoker/Non-Smoker – Standard · rates effective April 1, 2026 | $197 | $2,364 | $4,440 | Attained Age |
| 10 | Loyal American Life Insurance CompanyRate class: Female – Non-Smoker – Preferred · rates effective October 1, 2025 | $203 | $2,436 | $3,408 | Attained Age |
| 11 | Humana Insurance CompanyRate class: Female – Non-Smoker – Preferred · rates effective December 1, 2025 | $207 | $2,484 | $3,408 | Attained Age |
| 12 | Mutual of Omaha Insurance CompanyRate class: Female – Non-Smoker – Preferred · rates effective November 1, 2025 | $220 | $2,640 | $3,564 | Attained Age |
| 13 | United American Insurance CompanyRate class: Female – Non-Smoker – Preferred · rates effective May 1, 2026 | $254 | $3,048 | $4,416 | Attained Age |
| # | Insurer | Monthly at 65 | Yearly at 65 | Yearly at 75 | Pricing |
|---|---|---|---|---|---|
| 1 | First Health Life & Health Insurance CompanyRate class: Unisex – Non-Smoker – Preferred · rates effective March 1, 2026 | $148 | $1,776 | $2,400 | Attained Age |
| 2 | USAA Life Insurance CompanyRate class: Unisex – Non-Smoker · rates effective September 1, 2026 | $157 | $1,884 | $2,508 | Attained Age |
| 3 | State Farm Mutual Automobile Ins. Co.Rate class: Male – Non-Smoker · rates effective June 1, 2026Smoker rate is 10% more than the non-smoker rate | $168 | $2,016 | $3,228 | Attained Age |
| 4 | Washington National Insurance CompanyRate class: Male – Smoker/Non-Smoker – Preferred · rates effective December 1, 2025 | $171 | $2,052 | $3,012 | Attained Age |
| 5 | Moda Health, Inc.Rate class: Male – Non-Smoker – Preferred · rates effective March 1, 2026 | $187 | $2,244 | $3,468 | Attained Age |
| 6 | Aetna Health and Life Insurance CompanyRate class: Male – Non-Smoker – Preferred · rates effective September 1, 2025 | $191 | $2,292 | $2,856 | Attained Age |
| 7 | Monitor Life Insurance Company of New YorkRate class: Male – Non-Smoker – Preferred · rates effective April 1, 2026 | $195 | $2,340 | $2,820 | Attained Age |
| 8 | Premera Blue Cross Blue Shield of AlaskaRate class: Unisex – Smoker/Non-Smoker – Standard · rates effective April 1, 2026 | $197 | $2,364 | $4,440 | Attained Age |
| 9 | Insurance Company of North AmericaRate class: Male – Non-Smoker – Preferred · rates effective June 20, 2025 | $215 | $2,580 | $3,120 | Attained Age |
| 10 | Loyal American Life Insurance CompanyRate class: Male – Non-Smoker – Preferred · rates effective October 1, 2025 | $233 | $2,796 | $3,924 | Attained Age |
| 11 | Mutual of Omaha Insurance CompanyRate class: Male – Non-Smoker – Preferred · rates effective November 1, 2025 | $253 | $3,036 | $4,104 | Attained Age |
| 12 | United American Insurance CompanyRate class: Male – Non-Smoker – Preferred · rates effective May 1, 2026 | $292 | $3,504 | $5,076 | Attained Age |
Plan N, ranked
Plan N costs less but you pay up to $20 for some office visits, up to $50 for an ER visit that doesn’t lead to admission, and any Part B excess charges. The last column compares each insurer’s Plan N with its own Plan G. Which one comes out ahead.
| # | Insurer | Monthly at 65 | Yearly at 65 | Yearly at 75 | Pricing | vs. same insurer’s Plan G |
|---|---|---|---|---|---|---|
| 1 | First Health Life & Health Insurance CompanyRate class: Unisex – Non-Smoker – Preferred · rates effective March 1, 2026 | $99 | $1,188 | $1,620 | Attained Age | $588 a year less= 29 office visits at the $20 copay |
| 2 | USAA Life Insurance CompanyRate class: Unisex – Non-Smoker · rates effective September 1, 2026 | $116 | $1,392 | $1,956 | Attained Age | $492 a year less= 24 office visits at the $20 copay |
| 3 | Washington National Insurance CompanyRate class: Female – Smoker/Non-Smoker – Preferred · rates effective December 1, 2025 | $121 | $1,452 | $2,124 | Attained Age | $396 a year less= 19 office visits at the $20 copay |
| 4 | State Farm Mutual Automobile Ins. Co.Rate class: Female – Non-Smoker · rates effective June 1, 2026Smoker rate is 10% more than the non-smoker rate | $125 | $1,500 | $2,172 | Attained Age | $480 a year less= 24 office visits at the $20 copay |
| 5 | Insurance Company of North AmericaRate class: Female – Non-Smoker – Preferred · rates effective June 20, 2025 | $127 | $1,524 | $1,836 | Attained Age | $756 a year less= 37 office visits at the $20 copay |
| 6 | Aetna Health and Life Insurance CompanyRate class: Female – Non-Smoker – Preferred · rates effective September 1, 2025 | $130 | $1,560 | $2,064 | Attained Age | $432 a year less= 21 office visits at the $20 copay |
| 7 | Monitor Life Insurance Company of New YorkRate class: Female – Non-Smoker – Preferred · rates effective April 1, 2026 | $135 | $1,620 | $2,016 | Attained Age | $408 a year less= 20 office visits at the $20 copay |
| 8 | Loyal American Life Insurance CompanyRate class: Female – Non-Smoker – Preferred · rates effective October 1, 2025 | $141 | $1,692 | $2,364 | Attained Age | $744 a year less= 37 office visits at the $20 copay |
| 9 | Moda Health, Inc.Rate class: Female – Non-Smoker – Preferred · rates effective March 1, 2026 | $143 | $1,716 | $2,628 | Attained Age | $384 a year less= 19 office visits at the $20 copay |
| 10 | Mutual of Omaha Insurance CompanyRate class: Female – Non-Smoker – Preferred · rates effective November 1, 2025 | $171 | $2,052 | $2,652 | Attained Age | $588 a year less= 29 office visits at the $20 copay |
| 11 | Premera Blue Cross Blue Shield of AlaskaRate class: Unisex – Smoker/Non-Smoker – Standard · rates effective April 1, 2026 | $216 | $2,592 | $3,888 | Attained Age | $228 a year more |
| 12 | United American Insurance CompanyRate class: Female – Non-Smoker – Preferred · rates effective May 1, 2026 | $225 | $2,700 | $3,972 | Attained Age | $348 a year less= 17 office visits at the $20 copay |
| # | Insurer | Monthly at 65 | Yearly at 65 | Yearly at 75 | Pricing | vs. same insurer’s Plan G |
|---|---|---|---|---|---|---|
| 1 | First Health Life & Health Insurance CompanyRate class: Unisex – Non-Smoker – Preferred · rates effective March 1, 2026 | $99 | $1,188 | $1,620 | Attained Age | $588 a year less= 29 office visits at the $20 copay |
| 2 | USAA Life Insurance CompanyRate class: Unisex – Non-Smoker · rates effective September 1, 2026 | $116 | $1,392 | $1,956 | Attained Age | $492 a year less= 24 office visits at the $20 copay |
| 3 | State Farm Mutual Automobile Ins. Co.Rate class: Male – Non-Smoker · rates effective June 1, 2026Smoker rate is 10% more than the non-smoker rate | $130 | $1,560 | $2,484 | Attained Age | $456 a year less= 22 office visits at the $20 copay |
| 4 | Washington National Insurance CompanyRate class: Male – Smoker/Non-Smoker – Preferred · rates effective December 1, 2025 | $134 | $1,608 | $2,364 | Attained Age | $444 a year less= 22 office visits at the $20 copay |
| 5 | Insurance Company of North AmericaRate class: Male – Non-Smoker – Preferred · rates effective June 20, 2025 | $143 | $1,716 | $2,076 | Attained Age | $864 a year less= 43 office visits at the $20 copay |
| 6 | Aetna Health and Life Insurance CompanyRate class: Male – Non-Smoker – Preferred · rates effective September 1, 2025 | $149 | $1,788 | $2,376 | Attained Age | $504 a year less= 25 office visits at the $20 copay |
| 7 | Moda Health, Inc.Rate class: Male – Non-Smoker – Preferred · rates effective March 1, 2026 | $153 | $1,836 | $2,844 | Attained Age | $408 a year less= 20 office visits at the $20 copay |
| 8 | Monitor Life Insurance Company of New YorkRate class: Male – Non-Smoker – Preferred · rates effective April 1, 2026 | $155 | $1,860 | $2,316 | Attained Age | $480 a year less= 24 office visits at the $20 copay |
| 9 | Loyal American Life Insurance CompanyRate class: Male – Non-Smoker – Preferred · rates effective October 1, 2025 | $162 | $1,944 | $2,712 | Attained Age | $852 a year less= 42 office visits at the $20 copay |
| 10 | Mutual of Omaha Insurance CompanyRate class: Male – Non-Smoker – Preferred · rates effective November 1, 2025 | $196 | $2,352 | $3,048 | Attained Age | $684 a year less= 34 office visits at the $20 copay |
| 11 | Premera Blue Cross Blue Shield of AlaskaRate class: Unisex – Smoker/Non-Smoker – Standard · rates effective April 1, 2026 | $216 | $2,592 | $3,888 | Attained Age | $228 a year more |
| 12 | United American Insurance CompanyRate class: Male – Non-Smoker – Preferred · rates effective May 1, 2026 | $259 | $3,108 | $4,560 | Attained Age | $396 a year less= 19 office visits at the $20 copay |
High-deductible Plan G
Same benefits as Plan G after you pay a yearly deductible ($2,950 in 2026), so it isn’t ranked against standard plans. A low premium here means you carry more of the risk yourself.
| # | Insurer | Monthly at 65 | Yearly at 65 | Yearly at 75 | Pricing |
|---|---|---|---|---|---|
| 1 | Mutual of Omaha Insurance CompanyRate class: Female – Non-Smoker – Preferred · rates effective November 1, 2025 | $41 | $492 | $684 | Attained Age |
| 2 | Humana Insurance CompanyRate class: Female – Non-Smoker – Preferred · rates effective December 1, 2025 | $43 | $516 | $708 | Attained Age |
| 3 | Washington National Insurance CompanyRate class: Female – Smoker/Non-Smoker – Preferred · rates effective December 1, 2025 | $43 | $516 | $744 | Attained Age |
| 4 | United American Insurance CompanyRate class: Female – Non-Smoker – Preferred · rates effective May 1, 2026 | $45 | $540 | $888 | Attained Age |
| 5 | Moda Health, Inc.Rate class: Female – Non-Smoker – Preferred · rates effective March 1, 2026 | $51 | $612 | $936 | Attained Age |
| 6 | Monitor Life Insurance Company of New YorkRate class: Female – Non-Smoker – Preferred · rates effective April 1, 2026 | $59 | $708 | $852 | Attained Age |
| 7 | Insurance Company of North AmericaRate class: Female – Non-Smoker – Preferred · rates effective June 20, 2025 | $70 | $840 | $1,008 | Attained Age |
| # | Insurer | Monthly at 65 | Yearly at 65 | Yearly at 75 | Pricing |
|---|---|---|---|---|---|
| 1 | Washington National Insurance CompanyRate class: Male – Smoker/Non-Smoker – Preferred · rates effective December 1, 2025 | $47 | $564 | $828 | Attained Age |
| 2 | Mutual of Omaha Insurance CompanyRate class: Male – Non-Smoker – Preferred · rates effective November 1, 2025 | $48 | $576 | $780 | Attained Age |
| 3 | United American Insurance CompanyRate class: Male – Non-Smoker – Preferred · rates effective May 1, 2026 | $52 | $624 | $1,020 | Attained Age |
| 4 | Moda Health, Inc.Rate class: Male – Non-Smoker – Preferred · rates effective March 1, 2026 | $55 | $660 | $1,020 | Attained Age |
| 5 | Monitor Life Insurance Company of New YorkRate class: Male – Non-Smoker – Preferred · rates effective April 1, 2026 | $68 | $816 | $984 | Attained Age |
| 6 | Insurance Company of North AmericaRate class: Male – Non-Smoker – Preferred · rates effective June 20, 2025 | $79 | $948 | $1,140 | Attained Age |
Plans with membership or eligibility limits
These plans appear in the Alaska guide but aren’t open to every resident (for example, AARP plans require AARP membership) or are Medicare SELECT plans with a provider network, so we list them as published instead of ranking them.
| Insurer | Plan | Premiums as published | Why not ranked |
|---|---|---|---|
| Alaska Comprehensive Health Insurance Association (ACHIA)Rate class: Unisex · rates effective January 1, 2026 | G | age 65: $238 · age 70: $293 · age 75: $348Monthly premium | Alaska’s high-risk pool, for Alaskans otherwise unable to get insurance |
| AARP/UnitedHealthcare Insurance CompanyRate class: Male – Non-Smoker – Preferred · rates effective June 1, 2026Rates at 65 and 70 include an enrollment discount (see source) | G | age 65: $209 · age 70: $258 · age 75: $359Monthly premium | Group market association plan (AARP membership) |
| AARP/UnitedHealthcare Insurance CompanyRate class: Female – Non-Smoker – Preferred · rates effective June 1, 2026Rates at 65 and 70 include an enrollment discount (see source) | G | age 65: $185 · age 70: $229 · age 75: $318Monthly premium | Group market association plan (AARP membership) |
| AARP/UnitedHealthcare Insurance CompanyRate class: Male – Non-Smoker – Preferred · rates effective June 1, 2026Rates at 65 and 70 include an enrollment discount (see source) | N | age 65: $181 · age 70: $224 · age 75: $312Monthly premium | Group market association plan (AARP membership) |
| AARP/UnitedHealthcare Insurance CompanyRate class: Female – Non-Smoker – Preferred · rates effective June 1, 2026Rates at 65 and 70 include an enrollment discount (see source) | N | age 65: $161 · age 70: $199 · age 75: $277Monthly premium | Group market association plan (AARP membership) |
| AARP/UnitedHealthcare Insurance CompanyRate class: Male – Non-Smoker – Standard · rates effective June 1, 2026Rates at 65 and 70 include an enrollment discount (see source) | G | age 70: $594 · age 75: $594 · age 80: $594Monthly premium | Group market association plan (AARP membership) |
| AARP/UnitedHealthcare Insurance CompanyRate class: Female – Non-Smoker – Standard · rates effective June 1, 2026Rates at 65 and 70 include an enrollment discount (see source) | G | age 70: $526 · age 75: $526 · age 80: $526Monthly premium | Group market association plan (AARP membership) |
| AARP/UnitedHealthcare Insurance CompanyRate class: Male – Non-Smoker – Standard · rates effective June 1, 2026Rates at 65 and 70 include an enrollment discount (see source) | N | age 70: $576 · age 75: $576 · age 80: $576Monthly premium | Group market association plan (AARP membership) |
| AARP/UnitedHealthcare Insurance CompanyRate class: Female – Non-Smoker – Standard · rates effective June 1, 2026Rates at 65 and 70 include an enrollment discount (see source) | N | age 70: $511 · age 75: $511 · age 80: $511Monthly premium | Group market association plan (AARP membership) |
How we rank
We take each insurer’s premium for Plan G and Plan N at 65 straight from Alaska’s official guide and multiply monthly premiums by 12 to get the yearly cost. Each insurer appears once, at its best published rate class that isn’t a tobacco rate. Lower ranks higher; ties go to the lower premium at 75 where the guide shows it, then the insurer’s name. We don’t estimate, round or adjust any premium. Full methodology.
The cheapest policy at 65 isn’t always the cheapest later. An attained-age policy goes up as you get older, an issue-age policy is priced on your age when you buy, and a community-rated policy charges everyone the same. How the three methods compare.
Before you buy: get a written quote from the insurer, ask how its rates have risen, and check Medicare.gov’s Medigap policy search. Your State Health Insurance Assistance Program gives free, unbiased help. Buying during your Medigap Open Enrollment Period means insurers can’t turn you down or charge more for health problems.
Questions
What is the cheapest Medigap Plan G in Alaska?
In the rate guide from the Alaska Division of Insurance (2026 edition (PDF dated May 29, 2026); each insurer’s rate effective date is shown), the lowest Plan G premium at 65 from an insurer open to all applicants is: Female: First Health Life & Health Insurance Company, $1,776 a year ($148 a month); Male: First Health Life & Health Insurance Company, $1,776 a year ($148 a month). Your own quote depends on your age, ZIP code, health and the date you apply.
What is the cheapest Medigap Plan N in Alaska?
Female: First Health Life & Health Insurance Company, $1,188 a year ($99 a month); Male: First Health Life & Health Insurance Company, $1,188 a year ($99 a month). Plan N has copays of up to $20 for some office visits and up to $50 for emergency room visits and doesn’t cover Part B excess charges, which is why it usually costs less than Plan G.
How much do Plan G premiums vary between insurers in Alaska?
Plan G benefits are the same from every insurer, but in this guide the yearly premium at 65 runs from $1,776 to $3,504. Insurers also price future increases differently (attained-age, issue-age or community-rated), so compare the older-age premiums too where they’re shown.
Where do these Alaska Medigap rates come from?
From the Alaska Division of Insurance: “Consumer Guide to Medicare Supplement Insurance (Medigap) 2026” (2026 edition (PDF dated May 29, 2026); each insurer’s rate effective date is shown). We copy the premiums exactly as published and rank them; we don’t estimate or adjust them. Monthly premiums at ages 65, 70, 75, 80 and 85 by sex, tobacco use and rate class, as reported by each insurer for Alaska’s 2026 guide (insurers take part voluntarily). Each insurer’s rate effective date is shown.
Sources
Rates exactly as published by the state (2026 edition (PDF dated May 29, 2026); each insurer’s rate effective date is shown).
- Alaska Division of Insurance, “Consumer Guide to Medicare Supplement Insurance (Medigap) 2026” (2026 edition (PDF dated May 29, 2026); each insurer’s rate effective date is shown) — commerce.alaska.gov.
- CMS and NAIC, “Choosing a Medigap Policy” (CMS Product No. 02110, March 2026) — medicare.gov.
- Medicare.gov, “Compare Medigap plan benefits” (2026 high-deductible amount) — medicare.gov.
Educational information, not a recommendation to buy any policy. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Insurers don’t pay to be listed or ranked. · Advertiser disclosure
Keep going
- Plan G vs. Plan N: the break-even math →
- Alaska Medigap rules and shopper’s guide →
- Medigap Open Enrollment and guaranteed-issue rights →
- Best Part D drug plans in Alaska →
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