Mutual of Omaha Medicare Supplement Plans 2027: Plans, Prices and Discounts
Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 30, 2026
Mutual of Omaha sells Medicare Supplement Plans A, F, G, N and the high-deductible versions of F and G in every state except Massachusetts, and it is rated A+ (Superior) by AM Best. For 2027 the coverage is set by Medicare rules, so what you are really choosing is Mutual of Omaha’s price, its household discount and how its premiums rise with age.
2027 by the Numbers
A+
AM Best financial strength rating, affirmed April 2026
$228.02
United World Life (Mutual of Omaha group) Plan G, man 65, NJ September 2026 chart
7%-12%
household discount range in most states (carrier highlight sheet)
Mutual of Omaha is one of the largest names in Medigap, and many people searching for a 2027 policy see its quotes first. The name on your policy may not say “Mutual of Omaha” at all, though. The company sells through several insurance subsidiaries, and the one you get depends on your state.
This guide covers which plans it sells, who actually issues the policy, how its pricing works, and where its premiums land on an official state rate chart. To see how the plan letters differ, use our 2027 Medicare Supplement comparison chart.
Compare Mutual of Omaha 2027 Rates
Which Mutual of Omaha Company Issues Your Medigap Policy
Mutual of Omaha writes Medicare Supplement coverage through a family of companies. Its disclosure page lists Mutual of Omaha Insurance Company, United of Omaha Life, United World Life and Omaha Insurance Company among them, each licensed in a different set of states and each responsible for its own policies.
United World Life. The name on New Jersey’s official 2026 Medigap chart, listed as “a Mutual of Omaha Group” company.
Omaha Insurance Company. The issuing company on Connecticut’s 2026 rate list. It is not licensed in several states, including California, Florida and Pennsylvania.
Mutual of Omaha Insurance Company. Licensed in every state and listed under its own name on New York’s community-rated chart.
Why it matters: When you look up rate history or complaints on your state insurance department’s website, search for the subsidiary named on your application, not just “Mutual of Omaha.”
Compare Medicare Supplement Plans
Call a Licensed Agent Now
Compare 2027 Plan G, Plan N and more from several insurance companies in one call.
No obligation to enroll
Plan Letters Mutual of Omaha Sells for 2027
| Plan | Who can buy it | What you still pay |
|---|---|---|
| Plan G | Anyone new to Medicare | Part B deductible (projected $292 in 2027) |
| High-deductible G | Anyone new to Medicare | Covered costs up to $3,050 in 2027 |
| Plan N | Anyone new to Medicare | Part B deductible plus office copays up to $20 and ER copays up to $50 |
| Plan A | Anyone | Part A deductible, Part B deductible, excess charges |
| Plan F and high-deductible F | Only people eligible for Medicare before 2020 | Nothing on F; up to $3,050 on high-deductible F |
2027 Part B deductible is a Medicare Trustees projection; CMS announces the final figure in the fall.
Plan offerings are not identical everywhere. On New York’s October 2026 chart, Mutual of Omaha is listed for Plans A, B, C, D, F, G and M, but not Plan N. Minnesota and Wisconsin use their own state plan designs. For a closer look at the most popular choice, see our Medicare Supplement Plan G 2027 guide.
How Mutual of Omaha Prices Its Policies
Attained-age rating. In most states your premium is based on your current age, so it rises as you get older, on top of any company-wide increases.
One change per year. The carrier’s highlight sheet says rates adjust once a year on your policy anniversary, with a 12-month rate guarantee in between.
Household discount. The same sheet lists a 7%, 10% or 12% household discount in most states. Illinois, for example, moved to 12% in 2021 and allows it for married applicants living with a spouse even if only one person buys.
No policy fee. Mutual of Omaha does not add a policy fee and lets you choose your premium due day.
Rate history check: In an April 2025 Rhode Island filing, Mutual of Omaha Insurance Company requested an average 12.4% increase, including 20% on its Plan G form, for 328 policyholders. The approved amount may differ, but it shows why yearly increases matter as much as the starting price.
Where Mutual of Omaha's Price Lands on a State Rate Chart
New Jersey publishes every company’s Medigap premium side by side. On the September 2026 chart for a 65-year-old, United World Life (Mutual of Omaha group) sits in the middle to upper part of the pack.
| NJ, age 65, Sept 2026 | Mutual of Omaha group | Lowest on chart | Highest on chart |
|---|---|---|---|
| Plan G, man | $228.02 (15th of 19) | $164.31 Bankers Life | $299.88 Aetna |
| Plan G, woman | $198.29 (9th of 19) | $147.88 Bankers Life | $260.98 Aetna |
| Plan N, man | $159.23 (14th of 21) | $119.90 Bankers Life | $200.84 Aetna |
| High-deductible G, man | $58.51 | $50.83 Philadelphia American | $92.08 HealthSpring |
Monthly preferred rates, NJ Division of Aging Services chart revised 8/26/2026. Rank is our count of the chart’s rows.
Our math: a 65-year-old New Jersey man would pay $63.71 a month, or $764.52 a year, more for Mutual of Omaha’s Plan G than for the lowest-priced Plan G on the chart. For a woman the gap is $50.41 a month. The ranking shifts by gender, which is why a quote for your own age and sex matters more than any national average.
Is Mutual of Omaha's High-Deductible G Worth a Look?
Mutual of Omaha’s high-deductible Plan G is priced near the bottom of the New Jersey chart, which makes it one of its more competitive products there. Here is our worst-case math for a 65-year-old man using its own September 2026 premiums.
| Plan G | High-deductible G | |
|---|---|---|
| Yearly premium | $2,736.24 | $702.12 |
| Most you pay in covered costs (2027) | $292 projected | $3,050 |
| Worst-case year | $3,028.24 | $3,752.12 |
| Best-case year (no claims) | $2,736.24 | $702.12 |
Our calculation from the NJ September 2026 chart. Excludes the Part B premium, which you pay either way.
Broker tip: High-deductible G saves about $2,034 in a year with no claims and costs about $724 more in a year when you hit the full deductible. It suits people who are healthy and have savings set aside.
Extras and Fine Print Before You Apply
Member perks. Carrier materials list discount programs such as hearing aid and vision discounts and a wellness program. These are perks, not insurance benefits.
Separate dental. Dental insurance is sold separately, with a multi-policy discount in some states.
Underwriting outside open enrollment. After your six-month Medigap Open Enrollment Period, Mutual of Omaha can ask health questions and decline or price you differently.
If you are comparing several carriers, our best Medicare Supplement plans 2027 guide explains how to weigh price, rate history and discounts, and our Wellabe Medicare Supplement plans 2027 page shows a competitor on the same New Jersey chart.
Bottom Line
Mutual of Omaha offers every major Medigap plan in 2027 except where state rules differ, backed by an A+ AM Best rating and household discounts of up to 12%. On New Jersey’s official chart its Plan G is mid-to-high priced while its high-deductible G is near the bottom, so compare its quote against several companies for your exact age and ZIP code.
See Mutual of Omaha and other 2027 prices in your ZIP code
Mutual of Omaha Medicare Supplement Plans 2027 — Frequently Asked Questions
➤ Why does my Mutual of Omaha quote say United World Life?
Mutual of Omaha issues Medigap policies through several subsidiaries, and the one used depends on your state. United World Life and Omaha Insurance Company are both part of the Mutual of Omaha group.
➤ Does Mutual of Omaha sell Medigap in Massachusetts?
No. Mutual of Omaha sells Medicare Supplement coverage in every state except Massachusetts, which uses its own state-specific plan designs anyway.
➤ What is Mutual of Omaha’s AM Best rating?
AM Best affirmed an A+ (Superior) financial strength rating for Mutual of Omaha and its main insurance subsidiaries in April 2026, with a stable outlook.
➤ How much is the Mutual of Omaha household discount?
Its highlight sheet lists 7%, 10% or 12% depending on the state. Rules on who qualifies, such as a spouse or another adult living with you, also vary by state.
➤ Do Mutual of Omaha premiums go up with age?
In most states, yes. It uses attained-age pricing, so your premium can rise each year on your policy anniversary as you get older, plus any approved rate increase.
➤ Can I switch to Mutual of Omaha Plan G from another supplement?
You can apply at any time, but outside your Medigap Open Enrollment Period or a guaranteed issue situation, Mutual of Omaha can review your health and may decline the application.
➤ Does Mutual of Omaha Medigap include drug coverage?
No. No Medicare Supplement plan sold today covers prescriptions. You need a separate Part D plan, which in 2027 can have a deductible of up to $700 and caps your yearly drug costs at $2,400.
➤ Is Mutual of Omaha cheaper than other companies?
Not always. On New Jersey’s September 2026 chart, its Plan G for a 65-year-old man ranked 15th of 19 by price, while its high-deductible G was among the lowest.
Compare Medicare Supplement Plans
Call a Licensed Agent Now
Compare 2027 Plan G, Plan N and more from several insurance companies in one call.
No obligation to enroll