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United American Medicare Supplement Plans 2027: Every Plan Letter, New Jersey Rates and Ratings

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

United American Medicare Supplement plans are issued by United American Insurance Company, a Globe Life subsidiary rated A (Excellent) by AM Best, and it sells more plan letters than most insurers, including Plans B, D, K, L and M. It is rarely the cheapest: in New Jersey’s April 2026 state chart, its Plan G was $243 a month for a 65-year-old man, second-highest of 19 Plan G rates listed.

2027 by the Numbers

1966

year United American began selling Medicare Supplement coverage

A

AM Best rating (Excellent), affirmed Nov. 2025

$243

Plan G per month, male 65, New Jersey SHIP chart, April 2026

$77

High-Deductible Plan G per month in the same New Jersey chart

United American has sold Medicare Supplement policies since Medicare itself started in 1966. That long record, and a lineup of plan letters wider than almost any competitor, is what still brings people to it. Price is the open question, so we went to official state data to see where it lands.

This page covers the plan letters United American sells, real premiums from New Jersey’s state rate chart, the ownership and rating facts we could verify, and who it suits. If your main goal is the lowest Plan G premium, start with our Medicare Supplement Plan G cost guide for 2027.

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United American in New Jersey's Official Rate Chart

United American Medicare Supplement Plan G monthly premium in New Jersey's April 2026 state chart compared with other companies

New Jersey’s State Health Insurance Assistance Program publishes monthly Medicare Supplement premiums for a 65-year-old man at preferred rates. Here is where United American landed in the April 2026 chart.

Company (NJ chart, April 2026) Plan G per month High-Deductible G per month
Bankers Life (Washington National) $164.31 $56.26
Bankers Fidelity Assurance Company $172.82 $57.02
UnitedHealthcare Ins. Co. of America $188.97 Not listed
Humana Ins. Co. (Achieve) $210.01 $66.04
WoodmanLife $236.09 $80.53
United American $243.00 $77.00
Aetna Health Ins. Co. $299.88 Not listed

Source: New Jersey Division of Aging Services, SHIP, Medigap Monthly Premium at Age 65 (male preferred rates), revised April 2, 2026. Selected rows.

United American’s $243 Plan G was $78.69 a month above the lowest rate in the chart, or about $944 a year. Its High-Deductible Plan G at $77 was closer to the pack: the lowest High-Deductible G in the chart was $53.49, from Humana’s Value plan. The same chart lists United American’s Plan A at $206.

Broker tip: If United American is on your short list, ask for its High-Deductible Plan G quote too. In New Jersey its gap to the cheapest company was far smaller on that plan than on standard Plan G.

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What We Verified About United American (October 2026)

Item What we found Source
Issuing company United American Insurance Company United American
Parent Globe Life Inc. United American
Mailing address and domicile McKinney, Texas address; domiciled in Nebraska United American
AM Best rating A (Excellent), stable outlook, affirmed November 2025 AM Best
Rating history A (Excellent) or higher for more than 50 consecutive years, as of November 2025 United American
Selling Medicare Supplement since 1966; life and health insurance since 1947 United American
Household discount None advertised; none found in NerdWallet’s 2026 review United American; NerdWallet
Where it does not sell Massachusetts, Minnesota and New York NerdWallet 2026 review

Checked October 2026.

The Widest Plan Lineup We Found

Most companies now sell just three or four plan letters. United American’s Medicare Supplement page lists A, B, C, D, F, G, K, L, M and N, plus high-deductible F and G. Kentucky’s 2026 guide confirms A, B, C, D, F, High-Deductible F, G, High-Deductible G and N there.

Plans K and L. Cost-sharing plans with yearly out-of-pocket limits. For 2026, the limits are $8,000 for K and $4,000 for L.

Plan M. Pays 50% of the Part A deductible, with a lower premium than full-coverage plans.

High-Deductible F and G. The 2026 deductible is $2,950, rising to $3,050 in 2027.

Plans C and F. Only for people first eligible for Medicare before 2020.

These less common letters can fit a tight budget. Learn how one works in our Medicare Supplement Plan K guide.

United American's Group and Union Business

United American Medicare Supplement 2027 plan lineup including Plans K, L and M and high-deductible options

United American is not only an individual insurer. It says it has served employer and union group sponsors for 30 years, and that it is among the largest individual Medicare Supplement underwriters in the country, citing the NAIC’s December 2024 Medicare experience report.

If your former employer offers it. A group United American plan may have different rates and rules than an individual policy. Compare both.

If you live in New York. United American does not sell there. A sister company, Globe Life Insurance Company of New York, handles that state.

If you are under 65. Some states require certain plans to be offered to people on Medicare due to disability or ESRD. Ask what United American offers in your state.

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Price Trends and Complaints

Independent tracking gives a fuller picture than one state chart. NerdWallet’s 2026 review used Medicare.gov rates for a 65-year-old woman and NAIC data.

Measure United American Comparison point
Average yearly increase, last 3 years 9.1% NerdWallet called this average
Complaints, 2023-2025 (Globe Life) About 14% above average All Medicare Supplement companies
Share of premiums paid as benefits About 78% 84.5% all-company average
Plan G in Dallas, female 65 $189/mo $138/mo cheapest reviewed

Source: NerdWallet United American Medicare Supplement review, 2026.

Put together, United American is a stable, long-running company, but you pay for that. See how increases add up over time in our guide to Plan G rate increases in 2027.

Should You Pick United American for 2027?

1

Want an unusual plan letter? If you want Plan B, D, K, L or M, United American may be one of few companies that sells it in your state.

2

Shopping on price alone? Get at least two other Plan G quotes. In New Jersey, 17 of the 18 other Plan G rates were lower than United American’s.

3

Married couple? Without a household discount, companies that offer 7% to 10% off for two policies may cost less.

4

Value a long record? More than 50 years at A (Excellent) or better is a real plus for a policy you may keep for decades.

Watch out: Outside your Medigap Open Enrollment Period or a guaranteed issue right, you may have to answer health questions. Keep your current coverage until your new policy is approved.

Bottom Line

United American is one of the oldest names in Medicare Supplement coverage, with an A (Excellent) rating and the broadest plan lineup we found. It does not advertise a household discount, and New Jersey’s official chart placed its Plan G near the top of the price range. It makes the most sense when you need a less common plan letter.

Compare United American with other 2027 rates near you

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United American Medicare Supplement 2027 — Frequently Asked Questions

➤ Which plan letters can I buy from United American?

Its Medicare Supplement page lists Plans A, B, C, D, F, G, K, L, M and N, plus high-deductible F and G. Availability depends on your state, and C and F are only for people eligible before 2020.

➤ What did United American charge for Plan G in New Jersey?

$243 a month for a 65-year-old man at preferred rates, per New Jersey’s April 2026 SHIP chart. The lowest Plan G in that chart was $164.31.

➤ Does United American offer a household or spousal discount?

We found none. United American’s own Medicare Supplement page does not mention one, and NerdWallet’s 2026 review found no discounts.

➤ Is United American part of Globe Life?

Yes. United American Insurance Company is a subsidiary of Globe Life Inc. It uses a McKinney, Texas mailing address and is domiciled in Nebraska.

➤ Can I buy United American in New York?

No. United American does not sell individual Medicare Supplement plans in New York, Massachusetts or Minnesota. In New York, Globe Life Insurance Company of New York is the sister company.

➤ How strong is United American financially?

AM Best affirmed an A (Excellent) rating with a stable outlook in November 2025. United American says it has held A or higher for more than 50 straight years.

➤ How fast have United American rates gone up?

NerdWallet’s 2026 review found an average of about 9.1% a year over the past three years. Your state’s increases may differ.

➤ Does United American sell Plan K and Plan L?

Yes, where approved. For 2026, Plan K caps your yearly out-of-pocket at $8,000 and Plan L at $4,000.

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

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

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Compare plans & benefits in your area

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Medicare Supplement Plans 2027
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This website and the Medicare Supplement insurance plans referenced on it are not connected with or endorsed by the U.S. government or the federal Medicare program. Medicare Supplement (Medigap) insurance is sold by private insurance companies. MedicareSupplementPlans2027.org is a website owned and operated by ZRN Health & Financial Services, LLC, a Texas limited liability company and licensed insurance agency. We do not offer every plan or insurance company available in your area; any information we provide is limited to the plans and companies we represent. Plan availability, benefits and premiums vary by state, age, gender, tobacco use, ZIP code and insurance company, and are subject to underwriting where permitted by law. Rates and figures shown on this site may reflect 2026 data and are for informational purposes only; your actual premium will be determined by the insurance company. You must continue to pay your Medicare Part B premium. Medicare Supplement plans are not Medicare Advantage plans and do not include prescription drug coverage. By submitting your information in the form, you agree to this site's privacy policy and expressly consent to be contacted at the number entered in the form (including a wireless number if provided) by licensed insurance agents or other partners offering related products that may be of interest to you, by phone, email or text. You understand that these calls may be generated using an automatic telephone dialing system, a pre-recorded message or artificial voice, or by sending SMS messages. Your telephone company may impose additional charges for such messages. You understand that you are not required to provide this consent to purchase goods or services. Receiving quotes through our website is always free, and you are under no obligation to purchase any goods or services as a result of this request. For information on all of your Medicare options, contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day, 7 days a week, or your local State Health Insurance Assistance Program (SHIP).