Medicare Supplement Household Discount 2027: Who Qualifies and How Much You Can Save

Key Takeaway

Many Medicare Supplement companies lower your premium, typically by 5% to 14%, if you live with a spouse or another adult. The rules for who counts vary by company and state, so always ask for the household discount when you compare quotes.

Rules change by state: The same company can use different rules in different states, and some companies have tightened their rules recently. For example, Humana updated its household discount in six states in 2026 so that the other person must also be enrolling in a Humana Medicare Supplement plan.

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Bottom line: Compare the discounted premium and the company’s rate history together. The best deal is the lowest price you can expect to keep, not the biggest discount on paper.

Example: BlueCross BlueShield of South Carolina lists a 5% household discount and a 6% bank-draft discount on its Medicare Supplement plans.

Before you switch companies: Compare the full premium with and without the discount. Losing a 12% household discount can wipe out the savings from a lower base rate. Read more about Medicare Supplement rate increases before you move.

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➤ What is a Medicare Supplement household discount?

It’s a percentage off your monthly Medicare Supplement premium because you live with a spouse or another adult. Each person keeps their own policy, and the discount lowers each premium.

➤ How much is the Medicare Supplement household discount?

Household discounts typically range from about 5% to 14%. The exact amount depends on the company and your state.

➤ Do both spouses need to buy from the same company?

Sometimes. Some companies require both people to have a policy with them, while others give the discount to anyone who lives with another adult. Rules vary by company and state.

➤ Can roommates get a Medicare Supplement household discount?

With some companies, yes. Some count any adult who has lived with you for a set time, often 12 months, even if you aren’t related.

➤ Which Medicare Supplement company has the best household discount?

Some companies, such as Mutual of Omaha in many states, offer up to 12%, and Humana and Wellabe average about 12%. The best value depends on the discounted premium in your ZIP code, not just the percentage.

➤ Does the household discount apply to Medicare Advantage?

No. Household discounts apply to Medicare Supplement premiums. Medicare Advantage plans don’t use household discounts.

➤ Does the household discount last forever?

Usually it lasts as long as you keep meeting the company’s rules. If your household changes, ask the company whether you still qualify.

➤ How do I get a Medicare Supplement household discount?

Tell your agent or the company who lives with you when you apply. Compare quotes with the discount applied, since a bigger discount can beat a lower base price.