Quick Answer
In the markets we've quoted, we've seen Humana price competitively with long-standing Medigap carriers like Mutual of Omaha on Plan G and Plan N.
In some ZIP codes Humana comes in lower; in others it can be substantially more expensive.
That's why we'd quote Humana alongside two or three other carriers rather than assume it's either the cheapest or most expensive option.
Sample Humana Medicare Supplement Quotes
Here are illustrative examples we pulled for a 65-year-old, non-tobacco applicant in five metro areas.
They're not national averages, and they're not a quote for your ZIP code — we're showing them to illustrate how much Humana's pricing can vary by location.
Rates checked: August 2026. Sample premiums are illustrative and not guaranteed rates. Figures assume an age-65, non-tobacco applicant. Actual premiums and availability vary by location, applicant, discounts, eligibility, and policy.
New York is also an unusual Medigap market because policies are community-rated, meaning premiums aren't based on an enrollee's age.
That makes New York difficult to compare directly with states where a 65-year-old may receive a lower age-based starting premium.
Why Are Humana's Prices So Different by Location?
Seeing Humana Plan G at $200 in Philadelphia and $708 in New York can make Medicare Supplement pricing seem almost random. It isn't.
Medigap insurers price policies according to the market and rating rules where the policy is sold.
That's why a Humana quote from another state — or even another part of your state — doesn't tell you much about what Humana will charge where you live.
It's also why we don't rank Humana as simply "cheap" or "expensive" when a client asks us.
We've seen it be highly competitive in one ZIP code and hundreds of dollars more expensive somewhere else.
What Determines Your Humana Medigap Premium?
- Location. Premiums vary by ZIP code and state, and can differ meaningfully even between two cities in the same state.
- Age and rating method. Depending on the state and policy, Medigap premiums may be attained-age, issue-age, or community-rated. The rating method affects how age factors into your premium, although premiums can still increase for other reasons.
- Tobacco use. Tobacco users may pay a higher premium than non-tobacco applicants for the same plan.
- Household discount. Humana may offer a household discount on certain policies. Eligibility and discount amounts vary by state and policy, so this should be confirmed when you get your quote.
- Plan choice. Plan G, Plan N, and High-Deductible Plan G have different cost-sharing structures, so their premiums can vary substantially even for the same applicant. See our full Medicare Supplement plans comparison for how each plan letter breaks down.
Humana vs. Mutual of Omaha: A Sample Comparison
Mutual of Omaha is an established Medigap carrier and a natural company for us to compare with Humana.
Here's how the two compared when we ran the same three sample markets, for the same applicant profile.
Rates checked: August 2026. Sample premiums are illustrative and not guaranteed rates, for a 65-year-old non-tobacco applicant. Not a comprehensive national comparison — results in your ZIP code can differ, including which company comes out ahead.
In our Arizona and Texas examples, we saw Humana price a bit lower, but Mutual of Omaha was meaningfully cheaper in California — which is the point we'd make to any client.
Neither carrier wins everywhere, and the gap between them (a few dollars a month in some markets, a few hundred in others) is exactly why we recommend quoting more than one company before you decide.
Because Medigap benefits are standardized by plan letter in most states, a Plan G from Humana covers the same core Medicare benefits as a Plan G from another carrier. Massachusetts, Minnesota, and Wisconsin standardize Medigap differently.
That lets us focus the comparison on things that actually vary between insurers, including premium, available discounts, rate history where available, and the company's pricing in your market.
Humana Medicare Supplement Household Discounts
Humana may offer a household discount on certain Medicare Supplement policies. The amount and eligibility requirements can vary by state and policy, so we'd confirm the discount when running your quote rather than assume you'll receive one.
Don't Choose a Medigap Company on Starting Premium Alone
A lower starting premium doesn't guarantee lower costs over the life of the policy.
Rate increases can change the comparison over time, which is why we look at more than today's quote when two carriers are priced closely.
Past rate increases can't tell you what a carrier will charge in the future, but reliable state-specific rate history can provide useful context.
When it's available, we consider it alongside the current premium, household discounts, and how competitively the carrier is priced in your area.
Can I Enroll in Humana Medigap Without Medical Underwriting?
It depends on when you apply.
For most people, the Medigap Open Enrollment Period provides the broadest federal enrollment protections.
This six-month period begins when you're 65 or older and enrolled in Medicare Part B.
During your Medigap Open Enrollment Period, insurers can't use your health to deny you a Medigap policy or charge you more because of health conditions.
Outside that window, you may still qualify for guaranteed-issue rights in specific situations, such as your Medicare Advantage plan leaving your area or losing employer retiree coverage.
Outside a protected enrollment period, you may have to answer health questions and go through medical underwriting, depending on your state and circumstances, which can affect whether you're eligible for coverage.
For a full breakdown of enrollment timing and guaranteed-issue situations, see our guide to Medicare Supplement enrollment rules.
How to Get an Accurate Humana Quote
A quote based only on your state, like the samples above, can be off by a lot once your actual ZIP code, age, gender, tobacco status, and household situation are factored in.
When we're comparing Humana for a client, we run the same applicant information across Humana and several comparable carriers at the same time.
That gives us a much more useful comparison than looking at one company's quote in isolation.
Bottom Line: Is Humana Worth Quoting?
We think Humana is worth quoting, but we wouldn't choose it based on brand name or one sample rate.
In our examples, Humana was competitive with Mutual of Omaha in Arizona and Texas but substantially more expensive in California.
That's why there isn't one Medigap carrier we'd call the cheapest everywhere.
The better approach is to compare Humana with other insurers offering the plan you want in your area.
Then look beyond the first-year premium when the prices are close.
