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UnitedHealthcare Medicare Supplement Plans 2027: Prices, Wellness Extras and the G vs N Math

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

UnitedHealthcare Medicare Supplement plans for 2027 are insured by UnitedHealthcare insurance companies, sold through a membership program, and served 4.3 million seniors at the end of 2025. In New Jersey’s September 2026 chart, a 65-year-old man paid $237.23 a month for UnitedHealthcare Plan G and $128.53 for Plan N, so Plan N cost $1,304 less per year.

2027 by the Numbers

4.3M

seniors served by UnitedHealthcare Medicare Supplement products, Dec. 31, 2025 (UnitedHealth 10-K)

$237.23

UnitedHealthcare Plan G a month, man 65, New Jersey September 2026 chart

$128.53

UnitedHealthcare Plan N a month, same chart: 4th lowest of 21 Plan N rates

A

AM Best rating (Excellent), lowered from A+ in August 2025

UnitedHealthcare is one of the largest Medicare Supplement insurers in the country. UnitedHealth Group’s 2025 annual report says its Medicare Supplement products served 4.3 million seniors. Size does not make it the cheapest, though. Its prices are strong on some plan letters and middle-of-the-pack or higher on others.

We looked at UnitedHealthcare’s rows in New Jersey’s official September 2026 premium chart, its own plan pages, its company filings and AM Best’s rating actions. We also did the Plan G vs Plan N math on real UnitedHealthcare prices, because that choice saves or costs more money than any discount. For the general version of that decision, see Plan G vs Plan N for 2027.

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How UnitedHealthcare's Medicare Supplement Program Is Set Up

UnitedHealthcare Medicare Supplement plans 2027 by the numbers: 4.3 million served, A rating, New Jersey Plan G and Plan N prices

UnitedHealthcare’s best-known Medicare Supplement plans are sold through a national membership organization for people 50 and older. You must be a member of that organization to enroll, but the insurance itself comes from UnitedHealthcare.

The insurer. UnitedHealthcare Insurance Company, Hartford, Connecticut, on the 2026 plan page we checked. New Jersey’s chart lists UnitedHealthcare Insurance Company of America.

The parent. UnitedHealth Group. Its Medicare & Retirement unit runs the Medicare Supplement business.

The rating. AM Best lowered UnitedHealthcare’s health insurers from A+ (Superior) to A (Excellent) on August 28, 2025, with a stable outlook.

Good to know: The membership is separate from your premium. Keep it active, and ask what it costs in your state before you apply.

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UnitedHealthcare in New Jersey's September 2026 Premium Chart

New Jersey publishes monthly preferred rates for a 65-year-old man from every company selling Medicare Supplement plans there. Here is where UnitedHealthcare landed against other well-known names.

Company (NJ, man 65) Plan G monthly Plan N monthly
UnitedHealthcare Insurance Co. of America $237.23 $128.53
UnitedHealthcare with Wellness Extras $243.92 Not compared
Horizon Blue Cross Blue Shield of NJ $194.32 $152.23
Humana (Value) $225.16 $128.14
Aetna Health Insurance Co. $299.88 $200.84
Lowest in chart: Bankers Life (Washington National) $164.31 $119.90

New Jersey Medigap premium chart, male preferred rates at age 65, revised August 26, 2026. Ask companies for rates at other ages.

Out of 19 Plan G rates in the chart, UnitedHealthcare’s was the fourth highest. Out of 21 Plan N rates, it was the fourth lowest. That split is the key to shopping UnitedHealthcare.

Standard Plan or Plan With Wellness Extras

In some states UnitedHealthcare sells each letter two ways: a standard version and a “+ wellness extras” version. The Medicare benefits are identical. The extras version adds services on top.

Gym access. A national gym network, workout videos and the Renew Active fitness program.

Dental and vision discounts. Discounts on cleanings, fillings, crowns and more through 50,000+ dental providers, plus eyewear discounts.

Hearing savings. $100 off each brand-name prescription hearing aid, or $200 off a pair, and a no-cost hearing exam.

Cost in New Jersey. Plan G with Wellness Extras was $243.92 a month, $6.69 more than the standard $237.23.

Broker tip: Extras are discounts and programs, not insurance benefits. If you already have a gym or dental plan, the standard version is usually the better buy.

The Plan G vs Plan N Math on a UnitedHealthcare Quote

UnitedHealthcare Medicare Supplement plans 2027 Plan G, Plan G with Wellness Extras and Plan N monthly prices in New Jersey

Using New Jersey’s UnitedHealthcare prices, here is what the choice looks like over a year. Both plans leave you the Part B deductible, $283 in 2026 and projected at $292 for 2027.

Yearly figure (NJ, man 65) Plan G Plan N
Premium (monthly x 12) $2,846.76 $1,542.36
Doctor visit copays $0 Up to $20 each
ER visit copays (not admitted) $0 Up to $50 each
Part B excess charges Covered Not covered
Premium difference $1,304.40 less

Our math from the New Jersey September 2026 chart. Copay and excess-charge rules from Medicare.gov.

At $20 a visit, it would take about 65 doctor visits in a year to use up $1,304 of savings. Excess charges are the bigger risk. If your doctors accept Medicare assignment, Plan N’s savings usually hold up. Read more on Medicare Supplement Plan N for 2027.

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What We Verified About UnitedHealthcare Medicare Supplement (October 2026)

Topic Finding Source
People served 4.3 million seniors through Medicare Supplement products UnitedHealth Group 10-K, Dec. 31, 2025
Financial strength A (Excellent), stable outlook; was A+ before August 28, 2025 AM Best
Plan letters, Kentucky A, B, C, F, G, K, L, N, plus Medicare SELECT G and N Kentucky 2026 Medicare Supplement Guide
Plan letters, New York A, B, C, F, G, K, L, N NY DFS comparison, October 2026
New York Plan G price $336.25 to $372.50 a month by region, community rated NY DFS, October 1, 2026
Household discount Offered (eligibility rules vary) Iowa Medicare Supplement guide, October 2026
Connecticut rate timing Rates approved Jan. 22, 2026, effective June 1, 2026 Connecticut Insurance Department rate sheet

Only items tied to a named source are shown.

Discounts, Medicare SELECT and 2027 Rate Timing

Enrollment discount. UnitedHealthcare offers an enrollment discount in many states that shrinks over time. Arizona law (A.R.S. 20-1133) requires insurers to tell every applicant how such a discount will diminish, so ask for that schedule in writing.

Medicare SELECT. SELECT versions of Plan G and N, listed in Kentucky, use a hospital network for non-emergency stays, which can mean a lower premium.

2027 rates. UnitedHealthcare files rates state by state, and new rates take effect on different dates. Check your quote date and ask when the next change is due.

1

Quote Plan G and Plan N together. UnitedHealthcare’s gap between them can be large.

2

Ask about the standard vs extras version. Pay for extras only if you will use them.

3

Apply in your Medigap Open Enrollment Period. See our Medigap Open Enrollment guide for the six-month window.

Bottom Line

UnitedHealthcare is one of the largest Medicare Supplement insurers, rated A (Excellent) by AM Best and sold through a membership program. New Jersey’s 2026 chart shows its Plan N priced near the bottom of the market and its Plan G near the top, so quote both letters. Compare UnitedHealthcare with other companies in your ZIP code before you enroll.

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UnitedHealthcare Medicare Supplement Plans 2027 — Frequently Asked Questions

➤ How many people have a UnitedHealthcare Medicare Supplement plan?

UnitedHealth Group reported that its Medicare & Retirement business served 4.3 million seniors through Medicare Supplement products as of December 31, 2025.

➤ When will UnitedHealthcare’s 2027 Medicare Supplement rates come out?

There is no single national date. Rates are filed and approved state by state. In Connecticut, for example, UnitedHealthcare’s current rates were approved January 22, 2026 and took effect June 1, 2026.

➤ What does the Wellness Extras version of a UnitedHealthcare plan add?

Gym access including Renew Active, dental and vision discounts, and hearing aid savings of $100 per aid. The Medicare benefits are the same as the standard plan.

➤ Is UnitedHealthcare Plan N a good deal?

In New Jersey’s September 2026 chart it was $128.53 a month for a 65-year-old man, the fourth lowest of 21 Plan N rates, and $108.70 a month less than UnitedHealthcare’s Plan G.

➤ Did UnitedHealthcare’s AM Best rating change?

Yes. On August 28, 2025, AM Best lowered the rating on UnitedHealthcare’s health insurance companies from A+ (Superior) to A (Excellent) and set a stable outlook.

➤ Does UnitedHealthcare offer Medicare SELECT plans?

In some states. Kentucky’s 2026 guide lists SELECT versions of Plan G and Plan N, which use a hospital network for non-emergency care.

➤ Do I need a membership to get a UnitedHealthcare Medicare Supplement plan?

For its main program, yes. You join a membership organization for people 50 and older, and UnitedHealthcare insures the policy.

➤ How much is UnitedHealthcare Plan G in New York?

New York’s October 2026 comparison lists it at $336.25 to $372.50 a month depending on region. New York prices are community rated, so age does not change them.

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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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).