Aflac Medicare Supplement Plans 2027: Tier One Policies, Maryland Rates and How Prices Climb With Age

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

Aflac Medicare Supplement plans are issued by Tier One Insurance Company, an Aflac subsidiary, and sold in 42 states with Plans A, F, G and N. In Maryland’s July 2026 rate guide, Aflac’s Plan G for a 65-year-old woman was $213 a month with a 10% household discount available, but its price rose faster with age than several competitors.

2027 by the Numbers

$213

Aflac Plan G, female age 65, Maryland guide July 2026

$494

same Aflac Plan G at age 85 in the same guide

10%

Aflac household discount listed in Maryland

states where Aflac sells Medicare Supplement (NerdWallet)

Most people know Aflac for cancer, accident and hospital coverage paid in cash. Its Medicare Supplement plans are a separate product, issued by a separate Aflac company, and they work like every other Medicare Supplement: they pay your share of Medicare-approved bills for the plan letter you choose.

We pulled Aflac’s actual rates from the Maryland Insurance Administration’s July 2026 guide, which lists prices at ages 65, 70, 75, 80 and 85. That lets us show something most reviews skip: how Aflac’s price changes as you get older. If you are still choosing a plan letter, our Medicare Supplement Plan G 2027 guide is a good place to start.

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Aflac's Medicare Supplement Comes From a Different Aflac Company

Aflac Medicare Supplement plans 2027 at a glance: Tier One Insurance Company, Plans A, F, G and N, 42 states, 10% household discount

Your Aflac Medicare Supplement policy is not issued by American Family Life Assurance Company, the Aflac company behind most workplace policies. It is issued by Tier One Insurance Company.

Tier One Insurance Company. An Aflac Incorporated subsidiary that underwrites Aflac’s Medicare Supplement and final expense products, according to the launch coverage in Coverager.

Administered with Aetna. Agent materials from New Horizons Marketing say Aetna Life Insurance Company administers the coverage.

Listed by state regulators. Kentucky’s 2026 guide, Maryland’s July 2026 guide and New Jersey’s August 2026 chart all list Tier One as the Aflac seller.

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What We Verified About Aflac Medicare Supplement (October 2026)

Item	What we found	Source
Issuing company	Tier One Insurance Company, a subsidiary of Aflac Incorporated	Coverager; KY, MD and NJ state lists
Plan letters	A, F, G and N; Wisconsin uses its own plan designs	NerdWallet; Kentucky 2026 guide
Where sold	42 states	NerdWallet company review
Household discount	10% in Maryland; roommates can qualify, not only spouses	Maryland Insurance Administration; NerdWallet
Pricing method	Priced by age in Maryland, rising at each age shown	Maryland Insurance Administration, July 2026
AM Best	Aflac’s main U.S. companies rated A+ (Superior); Tier One not named in that release	AM Best, September 2025

We could not confirm a separate AM Best rating for Tier One, so we do not list one.

Plain answer: Aflac’s brand is strong, but the company on your Medicare Supplement policy is Tier One. If financial ratings matter to you, ask the agent for Tier One’s own rating and its rate increase history in your state.

The Places Aflac Does Not Sell Medicare Supplement

Aflac does not offer Medicare Supplement plans everywhere. NerdWallet’s review lists these exceptions:

Northeast. Connecticut, Maine, Massachusetts and New York.

West and Pacific. Alaska, Hawaii and Washington state.

Midwest. Minnesota.

Capital. Washington, D.C.

If you live in one of these places, you will need another company. Availability can change, so a ZIP code quote is the final word.

Aflac in Maryland's July 2026 Rate Guide

Aflac Medicare Supplement Plan G 2027 monthly premium by age in Maryland, from age 65 to 85

Maryland’s guide lists every company’s monthly premium as of July 1, 2026. For a woman buying at 65 in the best rate class, Aflac’s Plan G was the 8th lowest of 25 companies (tied), and its Plan N was the 5th lowest of 24.

Company (Maryland)	Plan G at 65	Plan G at 85	Plan N at 65
Monitor Life Ins. Co. of New York	$177	$333	$136
Humana Benefit Plan of Illinois	$182	$325	$132
Medico Insurance Company	$187	$289	$132
Aflac (Tier One)	$213	$494	$141
Insurance Company of North America	$238	$434	$154
GPM Health and Life	$343	$582	$259

Source: Maryland Insurance Administration, Monthly Premiums for Medicare Supplement Insurance Policies, as of July 1, 2026. Female, best non-tobacco or preferred class. Before household discounts.

Here is the part most reviews miss. At 65, Aflac was $26 a month more than Medico. At 85, the gap was $205 a month. Aflac’s Plan G more than doubled from 65 to 85 in the guide, while Medico’s rose about 55%. A low starting price does not always mean a low lifetime price. Our Plan G rate increase guide explains why.

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Household Discount: Roommates Count With Aflac

10% in Maryland. The state guide says: “A 10% household discount is available for those who qualify.”

About 10% elsewhere. NerdWallet found household discounts of about 10% in the three areas it priced.

Not just spouses. Agent materials say you can qualify by living with a spouse, or with one to three other adults.

How it compares. In the same Maryland guide, Mutual of Omaha, Humana and Medico list about 12%, while INA, LifeShield and Monitor Life list 7%.

With the 10% discount, Aflac’s $213 Maryland Plan G works out to about $192 a month at 65. Always compare discounted prices to discounted prices.

Aflac Medicare Supplement vs the Aflac Policy You May Already Have

Many retirees keep an Aflac cancer or accident policy from work. Those policies pay you cash. A Medicare Supplement pays doctors and hospitals your share of Medicare-approved costs. One does not replace the other, and having one Aflac policy does not get you a discount on the other unless your state’s filing says so.

Check that Aflac sells in your state. It does not sell in the nine places listed above.

Get rates at 65 and ask about future ages. Ask whether the policy is attained-age priced and how it has increased.

Ask for the household discount. Bring proof of a shared home if you live with someone other than a spouse.

Compare at least two other companies. Use your Medigap Open Enrollment Period so health questions cannot block you.

Bottom Line

Aflac Medicare Supplement is issued by Tier One Insurance Company, sells Plans A, F, G and N in 42 states and offers a 10% household discount that roommates can use. Maryland’s July 2026 guide shows a competitive price at 65 but a steep climb by 85. Weigh the long-term cost, not just the first-year rate, before you choose it for 2027.

Get Aflac and other 2027 Medicare Supplement rates for your ZIP code

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Aflac Medicare Supplement 2027 — FAQs

➤ Who underwrites Aflac Medicare Supplement plans?

Tier One Insurance Company, a subsidiary of Aflac Incorporated. State lists in Kentucky, Maryland and New Jersey show Tier One as the Aflac seller.

➤ Which Aflac Medicare Supplement plans are available for 2027?

Plans A, F, G and N in most states where Aflac sells. Plan F is only for people eligible for Medicare before 2020, and Wisconsin has its own plan designs.

➤ How much was Aflac Plan G in Maryland?

Maryland’s July 2026 guide listed $213 a month for a 65-year-old woman in the non-tobacco class, before the 10% household discount, and $494 at age 85.

➤ Does Aflac sell Medicare Supplement in New York or Connecticut?

No. Aflac does not sell Medicare Supplement plans in Alaska, Connecticut, Hawaii, Maine, Massachusetts, Minnesota, New York, Washington state or Washington, D.C.

➤ Can roommates get the Aflac household discount?

Yes, in many states. Aflac’s discount can apply when you live with another adult, not only a spouse. Rules depend on your state.

➤ Is my Aflac cancer policy the same as a Medicare Supplement?

No. Aflac’s cancer and accident plans pay cash benefits. A Medicare Supplement plan pays your share of Medicare-approved medical bills.

➤ What is Aflac’s AM Best rating?

AM Best rated Aflac’s main U.S. companies A+ (Superior) in September 2025. That release did not name Tier One, the company that issues the Medicare Supplement plans.

➤ Why does Aflac’s price rise so much with age?

In Maryland its rates are set by age, so the premium steps up as you get older. In the July 2026 guide, Aflac’s Plan G for women more than doubled from age 65 to 85.

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

Aflac Medicare Supplement Plans 2027: Tier One Policies, Maryland Rates and How Prices Climb With Age

Compare 2027 Aflac Medicare Supplement Rates

Speak with a licensed insurance agent

1-855-409-6195TTY 711

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

Aflac's Medicare Supplement Comes From a Different Aflac Company

What We Verified About Aflac Medicare Supplement (October 2026)

The Places Aflac Does Not Sell Medicare Supplement

Aflac in Maryland's July 2026 Rate Guide

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

Household Discount: Roommates Count With Aflac

Aflac Medicare Supplement vs the Aflac Policy You May Already Have

Bottom Line

Get Aflac and other 2027 Medicare Supplement 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

Aflac 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