Start with the thing that trips up almost everyone searching this name. United American Insurance Company is not UnitedHealthcare. United American is a Texas-based subsidiary of Globe Life Inc. UnitedHealthcare Insurance Company is part of UnitedHealth Group and is the carrier behind the AARP-branded Medigap policies. Maryland’s insurance regulator lists them as two entirely separate companies on two separate pages of its rate guide, with different rates and different underwriting. If you came here from an ad or an agent’s mailer, check which one you are actually being quoted.
With that out of the way, United American is worth knowing about for a specific reason. It is a small, Medigap-focused carrier with no Medicare Advantage business at all, and its filed rates in the states that publish them sit in a distinctly middle part of the market. This page uses filed premiums from three state insurance departments so you can see the actual numbers rather than a marketing range.
What United American Is
United American Insurance Company is headquartered in McKinney, Texas and is one of five primary insurance subsidiaries of Globe Life Inc., the Delaware-incorporated holding company that filed for decades under the name Torchmark Corporation (its 2025 annual report still lists legacy exhibits under the Torchmark Corporation name). Globe Life’s 2025 Annual Report and Form 10-K describes the United American Division as providing “a specialized presence in the Medicare Supplement and supplemental health insurance markets” and credits it with 60 years of experience in the Medicare market. United American’s own site puts it the same way: it has been in Medicare Supplement since Medicare began in 1966.
The company is not large by carrier standards, but Medigap is a real business for it. Globe Life reported United American health premium of $667 million in 2025, 44% of the parent’s total health premium and the largest of its five health distribution channels. Health net sales at the division nearly doubled, up 92% to $154 million.
Here is the part that matters for a consumer. Globe Life sells no Medicare Advantage plans. The 10-K describes only Medicare Supplement and limited-benefit supplemental health products and states plainly that Medicare Supplement plans are offered to enrollees in the traditional fee-for-service Medicare program. Medicare Advantage appears in the filing only as a market condition, with management attributing 2025’s sales surge to “the disruption occurring in the Medicare Advantage market, as many consumers moved from Medicare Advantage plans to Medicare Supplements.” A carrier with no Advantage book has no internal reason to move you off Medigap. That is not a guarantee of a good price, but it does remove one conflict of interest that the big diversified carriers carry.
United American Insurance Company was rated AA- by Standard & Poor’s and A (Excellent) by A.M. Best as of December 31, 2025, per the same filing.
Which Plans It Sells and How It Prices Them
United American’s plan page lists Plans A, B, D, G, K, L, M and N as available to all applicants, plus Plans C and F for people first eligible for Medicare before January 1, 2020, and high-deductible versions of F and G. The company notes plan availability varies by state, and the state charts bear that out: Maryland’s July 2026 guide shows United American filing A, B, C, D, F, high-deductible F, G, high-deductible G, K, L and N, with no Plan M.
Two pricing mechanics are worth understanding before you look at the numbers.
Rate class, not just tobacco use. Maryland’s guide breaks United American’s rates into male preferred, female preferred, male standard and female standard. That is an underwriting tier, and the gap is large: at age 65, male standard Plan G is $323 a month against $281 for male preferred, a 15% penalty. Quirk worth noting, the female standard column is priced identically to the male preferred column at every plan letter and age.
Rating method. Maryland lists United American as “Individual Market-Issue Age/Attained Age,” a hybrid rather than a pure attained-age book. Medicare.gov explains the three approaches (community-rated, issue-age-rated and attained-age-rated) and warns that how a company prices affects what you pay later, not just now. Because state rules differ, the same carrier can be community-rated in one state and attained-age in another, which is exactly what happens here. Washington’s chart carries no age columns at all, just a single price for everyone 65 and older, while Maryland’s breaks the same carrier out at ages 65, 70, 75, 80 and 85.
Underwriting applies outside your protected windows. Washington’s chart marks United American as applying a pre-existing condition waiting period and requiring a health screening. That is why the Medigap open enrollment period, the six months starting when you are 65 and enrolled in Part B, is the cheapest and safest time to apply anywhere.
What It Costs
Every figure below comes from a state insurance department’s own filed-rate publication. Maryland is attained-age and shows the age curve. Washington is community-rated and shows one price. Maine publishes annual rates, converted here to monthly.
Maryland, monthly premiums as of July 1, 2026, male preferred rate class:
| Plan | Age 65 | Age 70 | Age 75 | Age 80 | Age 85 |
|---|---|---|---|---|---|
| Plan A | $124 | $163 | $183 | $185 | $185 |
| Plan B | $248 | $332 | $382 | $391 | $391 |
| Plan D | $248 | $339 | $404 | $443 | $443 |
| Plan G | $281 | $385 | $458 | $502 | $502 |
| High-deductible G | $73 | $100 | $120 | $143 | $143 |
| Plan K | $103 | $141 | $168 | $183 | $183 |
| Plan L | $149 | $203 | $242 | $266 | $266 |
| Plan N | $246 | $339 | $406 | $451 | $451 |
| Plan F (pre-2020 eligibility only) | $317 | $425 | $500 | $545 | $545 |
Female preferred rates run lower across the board: Plan G at $245 (65), $335 (70), $398 (75), $436 (80) and $436 (85), with Plan N at $214 to $392 over the same span. Male standard rates run higher, with Plan G at $323 at 65 and $577 at 85.
Washington, community-rated, rates effective January 15, 2026 (chart current as of July 23, 2026): Plan A $190, Plan G $293, Plan N $242, Plan F $356, high-deductible G $48. One price at any age 65 or older.
Maine, 2026 annual rates: Plan A $2,079, Plan G $2,999, Plan K $1,547, Plan L $2,286, Plan F $3,282, high-deductible F and G $746 each. Plan G works out to about $250 a month.
One detail in the Maine table is a useful sanity check on the whole exercise. United American’s Maine Plan F is $3,282 and its Plan G is $2,999, a difference of exactly $283, which is the 2026 Medicare Part B deductible per the CMS fact sheet published November 14, 2025. That is the only benefit difference between the two plans, so the pricing is behaving exactly as the benefit design says it should. Maine’s own footnote warns that at many carriers the C-versus-D and F-versus-G gaps are wider than the deductible is worth, which is the case at most of the other carriers on that page.
Whatever you pay a carrier, you also keep paying Medicare the standard Part B premium of $202.90 a month in 2026. Our Medigap cost page has the full picture of what a Medigap budget looks like, and Plan G and Plan N have their own cost breakdowns.
Who It’s Good For and Who Should Skip It
Worth a quote if you want a Medigap-only carrier. No Medicare Advantage book means no internal pressure to switch you. If that matters to you philosophically, this is one of the few sizable names that qualifies.
Worth a quote if you are shopping high-deductible G. Maryland’s $73 a month at 65 and Washington’s $48 are aggressive, and United American files high-deductible F and G at the same price in both states.
Worth a quote if you want Plan K or L. Many carriers skip these cost-sharing plans entirely. United American files both in all three states checked here.
Think twice if you are being placed in the standard rate class. The preferred-to-standard gap in Maryland is about 15% on Plan G ($323 against $281 at age 65) and roughly the same on Plan A, every year, forever. If an agent tells you your health history puts you in standard, get quotes elsewhere before you sign.
Think twice if you want to buy without an agent. There is no self-serve online purchase. Maryland lists the marketing method as insurance producer solicited, and the company’s site routes you to an agent.
Skip the comparison entirely if you are still in Medicare Advantage and past your protected window. Moving to Medigap after that window generally means answering health questions. Read Medicare Advantage vs Medigap before you make that move, because the door does not swing both ways.
How to Buy It, and What to Compare It Against
United American sells through independent agents and brokers rather than captive career agents. Globe Life counted 4,396 independent producing agents for the division in 2025, and its filing is explicit that these agents “may also sell for other companies.” That cuts both ways: an independent agent can shop the market for you, but they are not obligated to lead with United American.
Three practical steps before you sign anything.
Pull your own state’s filed rates first. Medigap premiums are filed with and published by state insurance regulators, so your state department of insurance is the only place you can see every carrier’s price for the same plan letter side by side. That is where all the numbers on this page came from.
Compare the same plan letter, not the same brand. Every Plan G in America covers identical benefits by federal standardization. Medicare.gov puts it bluntly: the price is the only difference between policies with the same plan letter. Our Plan G vs Plan N page covers the one comparison where benefits genuinely differ.
Ask which rate class you are being quoted in, and ask about the renewal pattern. Whether the policy is issue-age or attained-age determines whether the number you are quoted at 65 climbs with every birthday. Maryland’s chart shows United American’s does climb, rising about 80% between 65 and 85 on Plan G.
Then get competing quotes. Mutual of Omaha, Cigna, Humana, the AARP-branded UnitedHealthcare plans, Blue Cross, State Farm and, if you are eligible, USAA all file in most of the same states.
The Bottom Line
United American is a real, financially sound Medigap carrier that does one thing on the Medicare side. In the three states whose regulators publish filed rates, its Plan G lands in the middle of the pack rather than at either extreme, and its high-deductible G and its Plan K and L filings are genuinely competitive.
The two things to watch are the name confusion and the rate class. Confirm you are looking at United American Insurance Company and not UnitedHealthcare, and confirm whether you are being quoted preferred or standard, because that single classification changes your premium by double digits for the rest of the policy’s life.
One timing note. Maryland’s rate guide updates twice a year, on January 1 and July 1, and Washington’s refreshes on a rolling basis, so the figures here are a July 2026 snapshot. Every 2026 Medicare figure resets on January 1, 2027. If money is tight, check whether you qualify for Medicare Savings Programs before shopping premiums, since those can cover the Part B premium you are paying no matter which carrier you pick, and read up on how the parts of Medicare fit together and on Part D, which Medigap never includes.