Cheapest Medigap Plan G and Plan N in Iowa
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 Iowa’s official rate guide by its yearly premium at 65, and show how it prices increases as you age.
What these rates are. Annual premiums at ages 65, 70, 75 and 80, each company’s “best” rate (outside open enrollment or a guaranteed-issue period you may pay more). Iowa’s guide doesn’t split rates by sex; several insurers note that female or non-smoker rates differ. Where an insurer prices by ZIP code, the guide shows the Des Moines area. Source: the Iowa Insurance Division, Senior Health Insurance Information Program (SHIIP), premiums in effect October 1, 2026. 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.
Plan G, ranked
Plan G covers everything Medicare-approved except the Part B deductible. What each plan covers.
| # | Insurer | Yearly at 65 | Yearly at 75 | Pricing |
|---|---|---|---|---|
| 1 | HealthSpring Nat'l Health Ins. Co,Rate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: 6 Months | $1,853 | $2,234 | Attained age |
| 2 | MedMutual Life Ins. Co (MedMutual Protect)Rate class: Company’s best ratePrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $1,883 | $2,356 | Attained age |
| 3 | Avera Health PlansRate class: Company’s best ratePre-existing condition waiting period: None | $1,894 | $2,764 | Attained age |
| 4 | Physicians Select Ins. Co, (Physicians Mutual -PSIC)Rate class: Company’s best ratePrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $1,999 | $2,440 | Attained age |
| 5 | Ins.Co.of North AmericaRate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $2,023 | $2,433 | Attained age |
| 6 | LifeShield National Ins. CoRate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $2,159 | $2,751 | Attained age |
| 7 | Washington National Insurance Co.Rate class: Company’s best rateSmoker rates differ; Rates for females are lowerPre-existing condition waiting period: None | $2,170 | $3,597 | Attained age |
| 8 | Federal Life Ins. Co.Rate class: Company’s best ratePre-existing condition waiting period: None | $2,181 | $2,880 | Attained age |
| 9 | USAA Life Insurance Co.Rate class: Company’s best ratePre-existing condition waiting period: None | $2,262 | $3,140 | Attained age |
| 10 | GPM Health and Life Ins. Co.Rate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: NonePremiums by age shown exactly as printed in the source. | $2,320 | $4,760 | Attained age |
| 11 | Nassau Life Ins. Co of KansasRate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: 6 Months | $2,354 | $3,018 | Attained age |
| 12 | Plateau Insurance Co. (Lumos Ins. Co)Rate class: Company’s best ratePre-existing condition waiting period: None | $2,369 | $2,830 | Attained age |
| 13 | Tier One Insurance Co. (Aflac)Rate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $2,396 | $3,097 | Attained age |
| 14 | State Farm Mutual AutomobileRate class: Company’s best rateSmoker rates differ; Rates for females are lowerPre-existing condition waiting period: NonePremiums by age shown exactly as printed in the source. | $2,400 | $2,826 | Attained age |
| 15 | EPIC Life Ins.Co. (The) (WPS- A Health Solutions Co)Rate class: Company’s best rateRates for females are lowerPre-existing condition waiting period: 6 Months | $2,415 | $3,634 | Attained age |
| 16 | CompBenefits Ins. Co. (Humana Achieve)Rate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPre-existing condition waiting period: 3 Months | $2,419 | $2,998 | Attained age |
| 17 | Woodmen of the World Life Ins. Society (WoodmenLife)Rate class: Company’s best ratePrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $2,434 | $2,964 | Attained age |
| 18 | Medico Corp Life Ins. Co,Rate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $2,486 | $2,677 | Attained age |
| 19 | American Benefit Life Ins. Co.Rate class: Company’s best rateSmoker rates differ; Rates for females are lowerPre-existing condition waiting period: None | $2,541 | $3,183 | Attained age |
| 20 | Pekin Life Insurance CompanyRate class: Company’s best rateSmoker rates differ; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: 6 Months | $2,579 | $4,423 | Attained age |
| 21 | Wellmark Blue Cross and Blue Shield of IowaRate class: Company’s best rateSmoker rates differ; household discount- Plan G only; Rates for females are lowerPre-existing condition waiting period: None | $2,712 | $3,851 | Attained age |
| 22 | United of Omaha Life Insurance Co.Rate class: Company’s best rateSmoker rates differ;household discount, Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $2,727 | $3,646 | Attained age |
| 23 | Aetna Health Ins. Co.Rate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPre-existing condition waiting period: None | $2,765 | $3,448 | Attained age |
| 24 | Medica Health Ins. Co.Rate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $2,886 | $3,697 | Attained age |
| 25 | Bankers Fidelity AssuranceRate class: Company’s best rateSmoker rates differ; household discount; Rate for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $3,002 | $3,633 | Attained age |
| 26 | United American Insurance Co.Rate class: Company’s best rateSmoker rates differ; Rates for females are lowerPre-existing condition waiting period: 2 Months | $3,225 | $4,671 | Attained age |
| 27 | Humana Insurance CompanyRate class: Company’s best ratePrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: 3 Months | $3,584 | $5,305 | Attained age |
| 28 | Heartland National Life Ins. Co.Rate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $3,748 | $4,557 | Attained age |
| 29 | Guarantee Trust Life Ins. Co.Rate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $3,767 | $4,760 | 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 | Yearly at 65 | Yearly at 75 | Pricing | vs. same insurer’s Plan G |
|---|---|---|---|---|---|
| 1 | MedMutual Life Ins. Co (MedMutual Protect)Rate class: Company’s best ratePrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $1,351 | $1,690 | Attained age | $532 a year less= 26 office visits at the $20 copay |
| 2 | Washington National Insurance Co.Rate class: Company’s best rateSmoker rates differ; Rates for females are lowerPre-existing condition waiting period: None | $1,393 | $2,309 | Attained age | $777 a year less= 38 office visits at the $20 copay |
| 3 | HealthSpring Nat'l Health Ins. Co,Rate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: 6 Months | $1,404 | $1,751 | Attained age | $449 a year less= 22 office visits at the $20 copay |
| 4 | Ins.Co.of North AmericaRate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $1,406 | $1,700 | Attained age | $617 a year less= 30 office visits at the $20 copay |
| 5 | Plateau Insurance Co. (Lumos Ins. Co)Rate class: Company’s best ratePre-existing condition waiting period: None | $1,558 | $1,861 | Attained age | $811 a year less= 40 office visits at the $20 copay |
| 6 | Federal Life Ins. Co.Rate class: Company’s best ratePre-existing condition waiting period: None | $1,610 | $2,115 | Attained age | $571 a year less= 28 office visits at the $20 copay |
| 7 | LifeShield National Ins. CoRate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $1,613 | $2,220 | Attained age | $546 a year less= 27 office visits at the $20 copay |
| 8 | GPM Health and Life Ins. Co.Rate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $1,642 | $2,079 | Attained age | $678 a year less= 33 office visits at the $20 copay |
| 9 | State Farm Mutual AutomobileRate class: Company’s best rateSmoker rates differ; Rates for females are lowerPre-existing condition waiting period: None | $1,716 | $2,707 | Attained age | $684 a year less= 34 office visits at the $20 copay |
| 10 | CompBenefits Ins. Co. (Humana Achieve)Rate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPre-existing condition waiting period: 3 Months | $1,720 | $2,203 | Attained age | $699 a year less= 34 office visits at the $20 copay |
| 11 | Woodmen of the World Life Ins. Society (WoodmenLife)Rate class: Company’s best ratePrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $1,731 | $2,147 | Attained age | $703 a year less= 35 office visits at the $20 copay |
| 12 | Nassau Life Ins. Co of KansasRate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: 6 Months | $1,751 | $2,295 | Attained age | $603 a year less= 30 office visits at the $20 copay |
| 13 | Medico Corp Life Ins. Co,Rate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $1,762 | $1,898 | Attained age | $724 a year less= 36 office visits at the $20 copay |
| 14 | Pekin Life Insurance CompanyRate class: Company’s best rateSmoker rates differ; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: 6 Months | $1,773 | $3,050 | Attained age | $806 a year less= 40 office visits at the $20 copay |
| 15 | American Benefit Life Ins. Co.Rate class: Company’s best rateSmoker rates differ; Rates for females are lowerPre-existing condition waiting period: None | $1,807 | $2,468 | Attained age | $734 a year less= 36 office visits at the $20 copay |
| 16 | Wellmark Blue Cross and Blue Shield of IowaRate class: Company’s best rateSmoker rates differ; household discount- Plan G only; Rates for females are lowerPre-existing condition waiting period: None | $1,906 | $2,724 | Attained age | $806 a year less= 40 office visits at the $20 copay |
| 17 | Bankers Fidelity AssuranceRate class: Company’s best rateSmoker rates differ; household discount; Rate for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $1,938 | $2,564 | Attained age | $1,064 a year less= 53 office visits at the $20 copay |
| 18 | Aetna Health Ins. Co.Rate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPre-existing condition waiting period: None | $1,968 | $2,599 | Attained age | $797 a year less= 39 office visits at the $20 copay |
| 19 | Medica Health Ins. Co.Rate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $2,009 | $2,606 | Attained age | $877 a year less= 43 office visits at the $20 copay |
| 20 | USAA Life Insurance Co.Rate class: Company’s best ratePre-existing condition waiting period: None | $2,062 | $2,895 | Attained age | $200 a year less= 10 office visits at the $20 copay |
| 21 | EPIC Life Ins.Co. (The) (WPS- A Health Solutions Co)Rate class: Company’s best rateRates for females are lowerPre-existing condition waiting period: 6 Months | $2,110 | $3,175 | Attained age | $305 a year less= 15 office visits at the $20 copay |
| 22 | Heartland National Life Ins. Co.Rate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $2,237 | $2,847 | Attained age | $1,511 a year less= 75 office visits at the $20 copay |
| 23 | Humana Insurance CompanyRate class: Company’s best ratePrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: 3 Months | $2,647 | $3,918 | Attained age | $937 a year less= 46 office visits at the $20 copay |
| 24 | Guarantee Trust Life Ins. Co.Rate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $2,865 | $3,619 | Attained age | $902 a year less= 45 office visits at the $20 copay |
| 25 | United American Insurance Co.Rate class: Company’s best rateSmoker rates differ; Rates for females are lowerPre-existing condition waiting period: 2 Months | $2,973 | $4,367 | Attained age | $252 a year less= 12 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 | Yearly at 65 | Yearly at 75 | Pricing |
|---|---|---|---|---|
| 1 | Bankers Fidelity AssuranceRate class: Company’s best rateSmoker rates differ; household discount; Rate for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $513 | $645 | Attained age |
| 2 | Washington National Insurance Co.Rate class: Company’s best rateSmoker rates differ; Rates for females are lowerPre-existing condition waiting period: None | $515 | $757 | Attained age |
| 3 | CompBenefits Ins. Co. (Humana Achieve)Rate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPre-existing condition waiting period: 3 Months | $527 | $686 | Attained age |
| 4 | United American Insurance Co.Rate class: Company’s best rateSmoker rates differ; Rates for females are lowerPre-existing condition waiting period: 2 Months | $545 | $895 | Attained age |
| 5 | Humana Insurance CompanyRate class: Company’s best ratePrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: 3 Months | $573 | $852 | Attained age |
| 6 | Aetna Health Ins. Co.Rate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPre-existing condition waiting period: None | $591 | $736 | Attained age |
| 7 | MedMutual Life Ins. Co (MedMutual Protect)Rate class: Company’s best ratePrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $606 | $758 | Attained age |
| 8 | United of Omaha Life Insurance Co.Rate class: Company’s best rateSmoker rates differ;household discount, Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $611 | $814 | Attained age |
| 9 | Ins.Co.of North AmericaRate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $663 | $797 | Attained age |
| 10 | Woodmen of the World Life Ins. Society (WoodmenLife)Rate class: Company’s best ratePrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $714 | $883 | Attained age |
| 11 | Plateau Insurance Co. (Lumos Ins. Co)Rate class: Company’s best ratePre-existing condition waiting period: None | $828 | $890 | Attained age |
| 12 | Avera Health PlansRate class: Company’s best ratePre-existing condition waiting period: None | $829 | $1,210 | Attained age |
| 13 | Medico Corp Life Ins. Co,Rate class: Company’s best rateSmoker rates differ; household discount; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $858 | $924 | Attained age |
| 14 | Physicians Select Ins. Co, (Physicians Mutual -PSIC)Rate class: Company’s best ratePrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: None | $967 | $1,217 | Attained age |
| 15 | Wellmark Blue Cross and Blue Shield of IowaRate class: Company’s best rateSmoker rates differ; household discount- Plan G only; Rates for females are lowerPre-existing condition waiting period: None | $1,085 | $1,541 | Attained age |
Plans with membership or eligibility limits
These plans appear in the Iowa 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 |
|---|---|---|---|
| AARP/UnitedHealthcare Insurance Co.Rate class: Company’s best rateSmoker rates differ; HH disc.; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: 3 Months | G | age 65: $2,368 · age 70: $2,629 · age 75: $3,064Yearly premium | AARP membership |
| AARP/UnitedHealthcare Insurance Co.Rate class: Company’s best rateSmoker rates differ; HH disc.; Rates for females are lowerPrices vary by ZIP code; premiums shown are for the Des Moines areaPre-existing condition waiting period: 3 Months | N | age 65: $2,142 · age 70: $2,379 · age 75: $2,773Yearly premium | AARP membership |
| Everence AssociationRate class: Company’s best rateFraternal org. members only; Smoker rates differ; Rates for females are lowerPre-existing condition waiting period: None | G | age 65: $2,539 · age 70: $2,747 · age 75: $2,930Yearly premium | Fraternal organization members only |
| Everence AssociationRate class: Company’s best rateFraternal org. members only; Smoker rates differ; Rates for females are lowerPre-existing condition waiting period: None | N | age 65: $1,692 · age 70: $2,028 · age 75: $2,300Yearly premium | Fraternal organization members only |
How we rank
We take each insurer’s premium for Plan G and Plan N at 65 straight from Iowa’s official guide and multiply monthly premiums by 12 to get the yearly cost (${s.name}’s guide lists yearly premiums, which we use as printed). 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 Iowa?
In the rate guide from the Iowa Insurance Division, Senior Health Insurance Information Program (SHIIP) (premiums in effect October 1, 2026), the lowest Plan G premium at 65 from an insurer open to all applicants is: HealthSpring Nat'l Health Ins. Co,, $1,853 a year. Your own quote depends on your age, ZIP code, health and the date you apply.
What is the cheapest Medigap Plan N in Iowa?
MedMutual Life Ins. Co (MedMutual Protect), $1,351 a year. 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 Iowa?
Plan G benefits are the same from every insurer, but in this guide the yearly premium at 65 runs from $1,853 to $3,767. 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 Iowa Medigap rates come from?
From the Iowa Insurance Division, Senior Health Insurance Information Program (SHIIP): “Iowa Medicare Supplement & Premium Comparison Guide” (premiums in effect October 1, 2026). We copy the premiums exactly as published and rank them; we don’t estimate or adjust them. Annual premiums at ages 65, 70, 75 and 80, each company’s “best” rate (outside open enrollment or a guaranteed-issue period you may pay more). Iowa’s guide doesn’t split rates by sex; several insurers note that female or non-smoker rates differ. Where an insurer prices by ZIP code, the guide shows the Des Moines area.
Sources
Rates exactly as published by the state (premiums in effect October 1, 2026).
- Iowa Insurance Division, Senior Health Insurance Information Program (SHIIP), “Iowa Medicare Supplement & Premium Comparison Guide” (premiums in effect October 1, 2026) — shiip.iowa.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 →
- Iowa Medigap rules and shopper’s guide →
- Medigap Open Enrollment and guaranteed-issue rights →
- Best Part D drug plans in Iowa →
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