Alabama Plan G rate history
The most comprehensive plan still open to new enrollees. This page tracks what Plan G carriers have filed with the Alabama insurance regulator and what those filings show about renewal increases.
What Plan G costs in Alabama
Plan G premiums in Alabama run from $124.06 to $565.28 per month across 21 carriers, for the quoted scenario described below. Figures marked unverified have not yet been matched to a filing.
| Carrier | Age | Rating method | Monthly premium |
|---|---|---|---|
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 65 | Attained age | $124.06/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Attained age | $130.34/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $138.50/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $149.44/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $150.14/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $153.51/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $155.48/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 65 | Attained age | $156.55/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $159.04/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Attained age | $164.47/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $166.43/mo (unverified) |
| Physicians Mutual Insurance Company | 65 | Attained age | $169.00/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $170.92/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $173.08/mo (unverified) |
| Humana (Emphesys Insurance Company) | 65 | Attained age | $176.76/mo (unverified) |
| New Era Life Insurance Company | 65 | Attained age | $177.00/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $177.53/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $178.19/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $179.46/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 65 | Attained age | $179.48/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $180.59/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $182.58/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 70 | Attained age | $183.98/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $184.89/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $186.88/mo (unverified) |
| New Era Life Insurance Company | 70 | Attained age | $188.37/mo (unverified) |
| Humana (Emphesys Insurance Company) | 70 | Attained age | $189.41/mo (unverified) |
| Nassau Life Insurance Company | 65 | Attained age | $189.82/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $193.50/mo (unverified) |
| Physicians Mutual Insurance Company | 70 | Attained age | $194.02/mo (unverified) |
| Woodmenlife | 65 | Attained age | $194.55/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $194.99/mo (unverified) |
| Woodmenlife | 70 | Attained age | $197.37/mo (unverified) |
| Nassau Life Insurance Company | 70 | Attained age | $199.61/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $212.73/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $219.75/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $230.12/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 65 | Attained age | $243.40/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 70 | Attained age | $258.23/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $262.00/mo (unverified) |
| Physicians Mutual Insurance Company | 65 | Attained age | $264.67/mo (unverified) |
| Omaha Insurance Company | 65 | Attained age | $268.52/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 65 | Attained age | $269.22/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 70 | Attained age | $275.97/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $283.85/mo (unverified) |
| Omaha Insurance Company | 70 | Attained age | $294.29/mo (unverified) |
| Physicians Mutual Insurance Company | 70 | Attained age | $303.86/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $318.21/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $337.00/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $338.29/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $565.28/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $565.28/mo (unverified) |
Filed rate actions
A rate action is the increase a carrier asked the state to approve on an existing block of Plan G policies. It is separate from the age increase built into an attained-age premium, and it is the number that tells you how a carrier has treated the people already holding the policy.
| Carrier | Effective | Filed change |
|---|---|---|
| Omaha Insurance Company | August 15, 2026 | +7.7% (unverified) |
| Insurance Company Of North America | August 1, 2026 | +17.0% (unverified) |
| American Benefit Life Insurance Company | August 1, 2026 | +15.0% (unverified) |
| Lumos Insurance Company | August 1, 2026 | The filing is on record but this figure is not in it. |
| Nassau Life Insurance Company | August 1, 2026 | +18.0% (unverified) |
| Lifeshield National Insurance Co. | July 1, 2026 | +9.0% (unverified) |
| Physicians Mutual Insurance Company | July 1, 2026 | The filing is on record but this figure is not in it. |
| Bankers Life (Underwritten By Washington National Insurance Company) | July 1, 2026 | +24.9% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +17.0% (unverified) |
| USAA Life Insurance Company | May 1, 2026 | +15.0% (unverified) |
| State Farm Mutual Automobile Insurance Company | April 1, 2026 | +7.5% (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | April 1, 2026 | +13.0% (unverified) |
| Woodmenlife | April 1, 2026 | +25.0% (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | April 1, 2026 | +20.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | March 1, 2026 | +18.0% (unverified) |
| United American Insurance Company | February 1, 2026 | +15.1% (unverified) |
| Guarantee Trust Life Insurance Company | January 1, 2026 | +13.9% (unverified) |
| Humana (Emphesys Insurance Company) | November 1, 2025 | +19.5% (unverified) |
| GPM Health And Life Insurance Company | October 1, 2025 | +9.0% (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | September 1, 2025 | +6.9% (unverified) |
| New Era Life Insurance Company | September 1, 2025 | +10.0% (unverified) |
Rates and approved increases change. Past rate increases do not predict future increases. Verify current pricing with the carrier or the issuing state's insurance department before making a decision.
What Plan G covers
Plan G covers everything Plan F covers except the Part B deductible, which you pay once a year. It is the plan most people compare first, and the one with the deepest, most competitive set of filings in nearly every state — which is what makes its rate history the clearest read on how a carrier behaves over time.
With Plan G, you still pay:
- The Part B annual deductible
Benefits are standardized by federal law, so Plan G from one carrier pays the same claims as Plan G from another. Price, rate-increase history and service are what differ. That is the whole argument for reading filings.
Switching Plan G carriers in Alabama
We have not identified a state rule here that goes beyond the federal floor. Outside your one-time six-month open enrollment window, and without a federal guaranteed issue right, an insurer may use medical underwriting and may decline you.
Alabama: federal rules only. State rules change; confirm the current window with the Alabama insurance department or your SHIP counselor before you apply anywhere.