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United Healthcare Medicare Supplement Plans for 2027: Letters, Discounts and Who Issues Them

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated November 4, 2026

UnitedHealthcare sells Medicare Supplement Plans A, B, C, F, G, K, L and N, issued by UnitedHealthcare Insurance Company or an affiliate, with Plans C and F open only to people eligible for Medicare before 2020. Benefits for each letter match every other insurer’s version of that letter; what differs is the premium, the discounts and how UnitedHealthcare prices the policy where you live.

2027 by the Numbers

8

standardized plan letters in UnitedHealthcare’s Medicare Supplement lineup (A, B, C, F, G, K, L, N)

$292

projected 2027 Part B deductible, the only Medicare-covered gap Plan G leaves (Medicare Trustees)

$4,180

2027 out-of-pocket limit for Plan L (CMS)

$8,360

2027 out-of-pocket limit for Plan K (CMS)

UnitedHealthcare is one of the most familiar names in Medicare Supplement insurance, and its policies are sold in every region of the country. That familiarity can make people skip the fine print. The details that actually change your bill are which UnitedHealthcare company issues the policy, whether a household discount applies in your state, and which of the eight letters fits the way you use care.

This page walks through those details for 2027. If you already know you want a specific letter, our pages on UnitedHealthcare Plan G and UnitedHealthcare Plan N go deeper on each one.

✔ Licensed in all 50 states
✔ Based on CMS 2027 data
✔ Free plan comparison

Key Highlights

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Two main issuing companies stand behind the policies: UnitedHealthcare Insurance Company (Hartford, Connecticut) and UnitedHealthcare Insurance Company of America (Schaumburg, Illinois).

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The policies are group coverage tied to a sponsoring membership organization, so a small annual membership is part of the cost.

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A household discount exists in many states, but recent plan materials excluded Ohio and Illinois, and it cannot be stacked with the multi-insured discount.

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Plan K and Plan L carry hard yearly caps for 2027 of $8,360 and $4,180.

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The Eight Letters UnitedHealthcare Sells

Federal law fixes what each Medigap letter pays, so a UnitedHealthcare Plan G pays exactly what a Plan G from any other licensed insurer pays. UnitedHealthcare’s lineup covers eight of the ten letters. It does not include Plan D or Plan M in its standard plan materials, and a high-deductible Plan G is offered only in some areas.

Letter What you still owe for Medicare-covered care Who can buy it
Plan A Part A deductible, Part B deductible, skilled nursing coinsurance Anyone eligible
Plan B Part B deductible, skilled nursing coinsurance Anyone eligible
Plan C Nothing beyond excess charges Eligible for Medicare before Jan. 1, 2020
Plan F Nothing Eligible for Medicare before Jan. 1, 2020
Plan G Part B deductible only Anyone eligible
Plan K Share of costs up to $8,360 in 2027 Anyone eligible
Plan L Share of costs up to $4,180 in 2027 Anyone eligible
Plan N Part B deductible, small copays, excess charges Anyone eligible

Benefit rules from Medicare’s standardized plan chart. Plan K and L limits from CMS for 2027. Availability of each letter can vary by state.

Worth knowing: In some states UnitedHealthcare also sells to people under 65 who have Medicare because of a disability or end-stage renal disease. Whether that applies depends on your state’s rules.

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Which UnitedHealthcare Company Actually Issues the Policy

The brand on the card is UnitedHealthcare, but the legal insurer is a specific company. UnitedHealthcare’s plan materials name UnitedHealthcare Insurance Company, based in Hartford, Connecticut, and UnitedHealthcare Insurance Company of America, based in Schaumburg, Illinois. Each one is solely responsible for the policies it issues.

Why the issuing company matters

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Rate increases are filed and approved company by company and state by state.

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Your outline of coverage and policy form number identify the issuer, which helps if you ever file a complaint with your state insurance department.

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If you compare quotes, compare the same issuer in the same state; national averages hide the difference.

UnitedHealthcare’s Medicare Supplement policies are group coverage issued to a membership organization. Joining that organization is a condition of enrolling, so its yearly dues belong in your cost comparison alongside the premium.

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Discounts: What Stacks and What Doesn't

UnitedHealthcare uses three kinds of premium reductions. None of them change your benefits, and none of them are guaranteed in every state.

Enrollment discount

A lower premium for enrolling early, which typically shrinks over time

Household discount

A percentage off when up to three other household members are also insured

Multi-insured discount

Applies when two or more people share one membership number

Stacking rule: UnitedHealthcare’s plan materials state that the household discount cannot be combined with the multi-insured discount, and that the household discount was not available in Ohio or Illinois. Ask which one applies to your quote.

Here is the arithmetic for any percentage discount: the yearly saving equals the monthly premium times 12 times the discount rate. On every $100 of monthly premium, a 5% discount saves $60 a year and a 7% discount saves $84. Because the enrollment discount usually phases down, the price you pay in year one is not the price you will pay in year six, even with no rate increase.

Our Math: Your Worst-Case Year Under Each UnitedHealthcare Letter

Premiums vary by ZIP code, age and discount, so we left them out. This table shows the other half of the bill: the most you could owe for Medicare-covered services in 2027 under each letter, before premiums. It assumes one hospital benefit period and uses the 2026 Part A deductible of $1,736, since the 2027 figure has not been announced yet.

Letter Formula Approximate 2027 exposure
Plan F $0 $0
Plan G Part B deductible $292
Plan N $292 + office copays (up to $20 each) + ER copays (up to $50) + any excess charges $292 plus your copays
Plan L Capped by CMS Up to $4,180
Plan K Capped by CMS Up to $8,360
Plan B $292 + skilled nursing coinsurance $292 plus any nursing facility days 21-100
Plan A $1,736 + $292 + skilled nursing coinsurance About $2,028 plus nursing facility costs

Our analysis using the projected 2027 Part B deductible ($292, Medicare Trustees) and CMS 2027 limits for Plans K and L. Final 2027 Part A and B figures come from CMS.

Add this exposure to 12 months of premium and you have the true yearly ceiling for each letter. A low-premium letter with a high ceiling only wins if you stay healthy.

Member Extras Outside the Policy

UnitedHealthcare bundles some services with its supplement plans. These are not insurance benefits, they can change at any time, and some depend on where you live.

Extras that may be included

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A 24/7 nurse line for general health information (nurses cannot diagnose).

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Discounts on vision services and eyewear through a partner network.

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Hearing aid discounts through a partner network.

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A brain health program with an optional online assessment.

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Fitness program access in some states.

Keep extras in proportion: A discount program is easy to replace, but a premium that rises faster than other insurers’ compounds every year. Weigh the premium and its history first and treat extras as a tiebreaker.

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When to Buy Without Health Questions

1

Watch your Part B start date Your six-month Medigap open enrollment period begins the month you are 65 or older and enrolled in Part B. During it, UnitedHealthcare cannot turn you down or charge more for health conditions.

2

Use a guaranteed issue right if you have one Losing employer retiree coverage or leaving a Medicare Advantage plan in certain situations can give you 63 days to buy some letters without medical questions.

3

Expect underwriting otherwise Outside those windows, UnitedHealthcare may ask health questions and can decline an application, unless your state gives extra rights.

4

Keep the old policy until approval If you are replacing another supplement, wait for the UnitedHealthcare approval, then cancel. You get 30 days to review a new Medigap policy.

Comparing against another large carrier? Our Anthem vs UnitedHealthcare Medicare Supplement breakdown covers how the two companies’ lineups differ.

Matching a UnitedHealthcare Letter to Your Situation

Lean toward Plan G or F

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You see specialists often or expect surgery

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Your doctors may not accept Medicare assignment

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You want a predictable bill and can handle a higher premium

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Plan F only if you were eligible before 2020

Lean toward Plan N, K or L

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You rarely visit doctors beyond checkups

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Your doctors accept assignment, so no excess charges

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You can absorb copays or a capped share of costs

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Lower premium matters more than a zero-dollar ceiling

People who already hold UnitedHealthcare Plan F can keep it. If its premium keeps climbing, see how the numbers compare on our UnitedHealthcare Plan F page, and remember that moving to Plan G outside a protected window usually means answering health questions.

Prefer a lower premium with more risk? UnitedHealthcare’s high-deductible Plan G, where sold, carries a $3,050 deductible in 2027.

Bottom Line

The Bottom Line

UnitedHealthcare’s Medicare Supplement lineup covers eight standardized letters, with Plan G the broadest choice for anyone new to Medicare in 2027. Check which UnitedHealthcare company issues your policy, confirm which discount applies in your state, and add membership dues and your worst-case cost-sharing to the premium before deciding.

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Frequently Asked Questions

➤ Is a UnitedHealthcare Plan G different from Plan G at another company?

No. Every Plan G pays the same benefits by federal law. The differences are the premium, how it is priced over time, discounts and customer service.

➤ Which company is my UnitedHealthcare supplement actually with?

Most policies are issued by UnitedHealthcare Insurance Company in Hartford, Connecticut, or UnitedHealthcare Insurance Company of America in Schaumburg, Illinois. Your outline of coverage names the issuer.

➤ Do I have to join an organization to buy a UnitedHealthcare Medigap plan?

Yes. The policies are group coverage issued to a membership organization, and membership is a condition of enrollment, so include the dues in your yearly cost.

➤ Can I get both the household and multi-insured discounts?

No. UnitedHealthcare’s materials say the two cannot be combined. The household discount also was not offered in Ohio or Illinois.

➤ Does UnitedHealthcare still sell Plan F?

Yes, but only to people who were eligible for Medicare before January 1, 2020. Anyone newer to Medicare can choose Plan G, which leaves only the Part B deductible.

➤ What is the most I could pay under UnitedHealthcare Plan L in 2027?

Plan L caps your share of Medicare-covered costs at $4,180 for 2027, set by CMS. After that, the plan pays 100% for the rest of the year. Premiums are separate.

➤ Do UnitedHealthcare supplement plans include drug coverage?

No. Medigap policies sold today do not cover prescriptions. You would add a separate Part D plan, which has a $2,400 out-of-pocket cap in 2027.

➤ Can UnitedHealthcare raise my premium if I get sick?

Not because of your own health once you are enrolled. Premiums can rise for everyone in your rating group, and an enrollment discount may shrink over time.

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Compare Plan G, Plan N and more from several insurance companies in one call.

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TTY users 711  |  Mon–Fri: 5am–7pm, Sat–Sun: 7am–4pm CT

No obligation to enroll

Find & Compare Plans Online

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This website and MedicarePlansGuide.org are privately owned and operated and are not affiliated with, endorsed by, or connected to the Federal Medicare program or any other government agency. We do not offer every plan available in your area. Currently we represent multiple organizations which offer Medicare Advantage, Medicare Supplement Insurance plans, and Medicare Prescription Drug plans. Not all plans offer all benefits mentioned. Benefits, premiums, deductibles, copayments, coinsurance, exclusions, and limitations may vary by plan, carrier, and location and may change over time.

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