Oxford Life Insurance Company
Medicare Supplement Plans - 2026 Rates, Reviews & Coverage
About Oxford Life
Oxford Life Insurance Company has been providing insurance products since 1965 and is headquartered in Phoenix, Arizona. Oxford Life is a member of AMERCO, the parent company of U-Haul. Oxford Life offers Medicare Supplement plans in 23 states through two subsidiary companies: North American Insurance Company (NAI) and Christian Fidelity Life Insurance Company (CFLIC). They are a smaller, regional carrier focused on senior insurance products and are known for competitive pricing in the Southwest and Mountain West regions. AM Best affirmed their A (Excellent) rating in September 2025.
Available Medigap Plans
All Medigap plans are standardized by federal law - a Plan G from Oxford Life offers identical benefits to a Plan G from any other carrier. The only difference is the premium.
Plan C and Plan F are not available to anyone who became eligible for Medicare on or after January 1, 2020.
Strengths
- A (Excellent) AM Best rating - affirmed September 2025
- Competitive pricing in Southwestern and Mountain West states
- Member of AMERCO (U-Haul parent) - financially stable holding company
- Plans offered through two subsidiaries for broader state coverage
Considerations
- Available in only 23 states (AZ, CA, ID, IL, IA, IN, KS, MD, MI, MO, MT, ND, NE, NV, NC, OH, OK, SC, SD, TN, TX, UT, WY)
- Limited plan selection - only 4 plan letters (A, F, G, N)
- Smaller carrier with less national recognition
- Less competitive outside the Southwest and Midwest
Best For
Enrollees in Southwestern and Mountain West states looking for competitive pricing from a regional carrier.
Not Ideal For
Enrollees outside the 23 available states, or those wanting HD-G, Plan K, or other plan letters.
Pricing Overview
Oxford Life is often competitively priced in Southwestern and Mountain West states.
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