ACE Medicare Supplement Plans 2027: Chubb's ACE and INA Policies, Ratings and Real Rates

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 29, 2026

ACE Medicare Supplement plans are sold by Chubb, the global insurer rated A++ (Superior) by AM Best, and are issued by ACE Property and Casualty Insurance Company or, in some states, Insurance Company of North America (INA). Chubb offers Plans A, F, G, High-Deductible G and N, with no pre-existing condition waiting period.

2027 by the Numbers

A++

AM Best rating (Superior) for Chubb’s insurance companies, Jan. 2026

1792

year Insurance Company of North America was founded (Chubb)

$3,790

INA Plan G yearly non-smoker rate in Maine’s rate table

months of pre-existing condition waiting (ACE brochure; Maine table)

“ACE” is not a small regional insurer. It is the name Chubb uses on its Medicare Supplement plans, and Chubb operates in 54 countries and territories. In some states the very same kind of policy shows up under a second Chubb company, Insurance Company of North America, so people searching for ACE often find INA on their quote instead.

Below we sort out the two names, show what Chubb’s policy cost in a state that publishes every company’s rate, and answer the questions people actually type in about ACE. To see how Plan G and Plan N differ before you compare companies, read our Plan G vs Plan N 2027 guide.

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What We Verified About ACE Medicare Supplement (October 2026)

ACE vs INA Medicare Supplement: two Chubb companies with the same standardized Medigap benefits

Item	What we found	Source
Issuing companies	ACE Property and Casualty Insurance Company; Insurance Company of North America in some states	ACE consumer brochure; state guides
Parent	Chubb, with operations in 54 countries and territories	Chubb history page
AM Best rating	A++ (Superior), stable outlook, Chubb Group of Insurance Companies	AM Best, January 2026
Plans	A, F, G, High-Deductible G and N; Plan F only if eligible for Medicare before 2020	ACE consumer brochure
Pre-existing waiting period	None	ACE brochure; Maine rate table
Household discount	7% for INA in Maryland; ACE says one may be available for eligible applicants	Maryland Insurance Administration, July 2026; ACE brochure
INA listed by name in	Kentucky, Maine, Maryland, Minnesota and New Jersey	Each state’s 2026 Medicare Supplement list or rate guide

We list only details we could confirm in October 2026. Plans and discounts vary by state.

Chubb’s A++ is the highest rating AM Best gives. It speaks to the company’s ability to pay claims, not to price. Price is where Chubb has to earn your business, state by state.

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ACE or INA: Two Chubb Names, One Type of Policy

The name on your application depends on your state, not on the plan you pick. Either way, the benefits for each plan letter follow the same federal rules.

ACE Property and Casualty Insurance Company. The underwriter named in Chubb’s ACE Medicare Supplement consumer brochure.

Insurance Company of North America. The Chubb company the Kentucky, Maine, Maryland, Minnesota and New Jersey state lists show as the seller in those states.

Same parent, same rating group. Both are U.S. members of the Chubb group AM Best rated A++ (Superior) in January 2026.

Shown as “INA” on rate charts. If a state chart lists INA and not ACE, you are still looking at Chubb’s Medicare Supplement.

From Independence Hall to Chubb: The INA Story

INA may be the oldest name you will ever see on a Medicare Supplement quote. Chubb’s own history page lays out the path.

Year	Event
1792	Investors meet at Independence Hall in Philadelphia and organize the Insurance Company of North America.
1982	INA Corporation merges with Connecticut General to form CIGNA.
1999	ACE buys CIGNA’s property and casualty business, including INA, for $3.45 billion.
2016	ACE and Chubb combine and take the Chubb name.

Source: Chubb, Our History.

Not the same as Cigna today: INA left CIGNA in 1999. It has no tie to the former Cigna Medicare Supplement plans, which are now sold as HealthSpring Medicare Supplement plans.

Chubb's INA Rates in Maine's Medicare Supplement Table

ACE Medicare Supplement Plan G 2027: INA yearly rate in Maine compared with other companies

Maine’s Bureau of Insurance posts a yearly rate for every company and plan, split by smoker status. That makes it easy to see where Chubb’s INA policy lands. These are the current non-smoker rates on the table, which also shows the 2026 Part B deductible.

INA plan (Maine)	Yearly rate, non-smoker	About per month
Plan G	$3,790	$316
Plan N	$2,644	$220
High-Deductible Plan G	$1,077	$90
Plan A	$3,752	$313

Source: Maine Bureau of Insurance, Medicare Supplement Annual Rates (2026 table). Monthly figures are our division by 12.

Across 14 companies on Maine’s table, non-smoker Plan G ran from $2,999 to $5,554 a year, and INA sat near the middle. INA’s Plan N was the 4th lowest of 13. Its Plan G cost $1,146 more a year than its Plan N, the price of avoiding Plan N’s copays and excess charges. Live in Maine? Our Maine Medicare Supplement guide covers the state’s own rules.

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No Pre-Existing Condition Waiting Period

Federal rules let a Medicare Supplement company delay coverage of a pre-existing condition for up to six months if you did not have at least six months of prior creditable coverage. Chubb does not use that option.

ACE brochure. States: “There are no pre-existing condition limitations.”

Maine’s table. Lists INA’s pre-existing exclusion period as “None,” while other companies on the same table list 60 days or 6 months.

Why it matters. If you are approved, a condition you already have is covered from day one.

Note: No waiting period is not the same as no health questions. Outside open enrollment or a guaranteed issue right, Chubb can still review your health and decline the application.

"ACE Supplemental Insurance" vs ACE Medicare Supplement

People often search for “ACE supplemental insurance” or just “ACE supplement.” Chubb sells personal accident and supplemental health coverage too, and those are different products. A Medicare Supplement plan pays your share of Medicare-approved bills. Accident or hospital plans pay you set cash amounts and do not replace a Medicare Supplement.

Confirm the product. The quote should say Medicare Supplement and show a plan letter such as G or N.

Check the issuing company. ACE Property and Casualty or Insurance Company of North America, depending on your state.

Ask about the household discount. It is 7% for INA in Maryland. Ask for the amount and rules in your state.

Compare two or three other companies. Same letter, same benefits. Weigh price and rate history.

Bottom Line

ACE Medicare Supplement is Chubb’s product, issued by ACE Property and Casualty or INA and backed by the top A++ AM Best rating. It has no pre-existing condition waiting period, and in Maine’s table its Plan N priced well. Compare your 2027 ACE or INA rate against other companies in your ZIP code before you apply.

See ACE, INA and other 2027 rates for your ZIP code

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ACE (Chubb) Medicare Supplement 2027 — FAQs

➤ Who owns ACE Medicare Supplement?

Chubb. ACE Property and Casualty Insurance Company and Insurance Company of North America, the two companies that issue the policies, are both Chubb companies.

➤ Why does my quote say Insurance Company of North America instead of ACE?

In some states Chubb sells its Medicare Supplement through INA. State lists in Kentucky, Maine, Maryland, Minnesota and New Jersey show INA as the seller.

➤ What is Chubb’s AM Best rating?

AM Best affirmed an A++ (Superior) rating with a stable outlook for the Chubb Group of Insurance Companies in January 2026. A++ is AM Best’s highest rating.

➤ Does ACE have a waiting period for pre-existing conditions?

No. ACE’s brochure says there are no pre-existing condition limitations, and Maine’s rate table lists INA’s exclusion period as none.

➤ Does ACE sell High-Deductible Plan G?

Yes, in some states. In Maine, INA’s High-Deductible G was $1,077 a year for a non-smoker on the state’s rate table. Learn more in our High-Deductible Plan G guide.

➤ Is ACE Medicare Supplement related to Cigna?

Only historically. INA helped form CIGNA in 1982 and was sold to ACE in 1999. Today’s former Cigna Medicare Supplement plans are sold by HealthSpring.

➤ Is ACE supplemental insurance the same as a Medicare Supplement?

No. Chubb also sells accident and supplemental health plans that pay cash benefits. A Medicare Supplement plan pays your share of Medicare-approved costs.

➤ What is the ACE household discount?

INA’s Maryland rate guide lists 7% for applicants who qualify. ACE’s brochure says a household discount may be available, so ask for your state’s amount.

New to Medicare?

If you are new to Medicare, then you can enroll in a 2027 Medicare Supplement plan up to six months prior to your Medicare Part B effective date.

Call one of our licensed insurance agents to see what the best time frame is for you to enroll, based on your current situation. You can contact them at 1-855-409-6195.

Medicare Supplement Quotes

Call a Licensed Agent Now

Compare 2027 Plan G, Plan N and more from several insurance companies in one call.

☎ 1-855-409-6195

TTY users 711

No obligation to enroll

Speak with a licensed insurance agent

1-855-409-6195

Compare plans in your area

1-855-409-6195 TTY 711

ACE Medicare Supplement Plans 2027: Chubb's ACE and INA Policies, Ratings and Real Rates

Compare 2027 ACE Medicare Supplement Rates

Speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT

What We Verified About ACE Medicare Supplement (October 2026)

ACE or INA: Two Chubb Names, One Type of Policy

From Independence Hall to Chubb: The INA Story

Chubb's INA Rates in Maine's Medicare Supplement Table

Compare plans & benefits in your area

Or speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT

No Pre-Existing Condition Waiting Period

"ACE Supplemental Insurance" vs ACE Medicare Supplement

Bottom Line

See ACE, INA and other 2027 rates for your ZIP code

Speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT

ACE (Chubb) Medicare Supplement 2027 — FAQs

New to Medicare?

Compare plans & benefits in your area

Or speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT