Alabama Plan N rate history
Lower premium than Plan G, with small copays at the point of care. This page tracks what Plan N carriers have filed with the Alabama insurance regulator and what those filings show about renewal increases.
What Plan N costs in Alabama
Plan N premiums in Alabama run from $94.21 to $382.37 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 | $94.21/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Attained age | $98.97/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $104.47/mo (unverified) |
| New Era Life Insurance Company | 65 | Attained age | $106.74/mo (unverified) |
| Humana (Emphesys Insurance Company) | 65 | Attained age | $110.08/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $112.16/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $112.47/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $116.56/mo (unverified) |
| New Era Life Insurance Company | 70 | Attained age | $117.26/mo (unverified) |
| Humana (Emphesys Insurance Company) | 70 | Attained age | $117.96/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $118.50/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 65 | Attained age | $118.79/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $120.62/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $120.75/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $121.47/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $121.54/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $123.09/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Attained age | $124.80/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $125.20/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $125.30/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 65 | Attained age | $125.37/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $131.41/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 65 | Attained age | $135.17/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $135.46/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $136.70/mo (unverified) |
| Nassau Life Insurance Company | 65 | Attained age | $138.00/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 70 | Attained age | $140.28/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 70 | Attained age | $140.62/mo (unverified) |
| Omaha Insurance Company | 65 | Attained age | $140.84/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $143.67/mo (unverified) |
| Woodmenlife | 65 | Attained age | $146.93/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $147.31/mo (unverified) |
| Nassau Life Insurance Company | 70 | Attained age | $147.63/mo (unverified) |
| Woodmenlife | 70 | Attained age | $150.23/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $150.42/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $153.85/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $154.31/mo (unverified) |
| Omaha Insurance Company | 70 | Attained age | $154.35/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $169.68/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $185.46/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 65 | Attained age | $202.75/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 70 | Attained age | $210.93/mo (unverified) |
| Physicians Mutual Insurance Company | 65 | Attained age | $245.29/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $258.93/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $272.00/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $275.00/mo (unverified) |
| Physicians Mutual Insurance Company | 70 | Attained age | $281.61/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $353.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $382.37/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $382.37/mo (unverified) |
Filed rate actions
A rate action is the increase a carrier asked the state to approve on an existing block of Plan N 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 | +10.0% (unverified) |
| Insurance Company Of North America | August 1, 2026 | +17.0% (unverified) |
| Lumos Insurance Company | August 1, 2026 | The filing is on record but this figure is not in it. |
| American Benefit Life Insurance Company | August 1, 2026 | +15.0% (unverified) |
| Nassau Life Insurance Company | August 1, 2026 | +18.0% (unverified) |
| Lifeshield National Insurance Co. | July 1, 2026 | +9.0% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | July 1, 2026 | +9.9% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | July 1, 2026 | +10.0% (unverified) |
| Physicians Mutual Insurance Company | July 1, 2026 | The filing is on record but this figure is not in it. |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +17.2% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +17.1% (unverified) |
| USAA Life Insurance Company | May 1, 2026 | +3.0% (unverified) |
| State Farm Mutual Automobile Insurance Company | April 1, 2026 | +7.5% (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | April 1, 2026 | +14.0% (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | April 1, 2026 | +13.0% (unverified) |
| Woodmenlife | April 1, 2026 | +27.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | March 1, 2026 | +10.0% (unverified) |
| United American Insurance Company | February 1, 2026 | +20.2% (unverified) |
| Guarantee Trust Life Insurance Company | January 1, 2026 | +13.9% (unverified) |
| Humana (Emphesys Insurance Company) | November 1, 2025 | +5.0% (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 | +7.0% (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 N covers
Plan N covers the same ground as Plan G except that you pay the Part B deductible, a small copay for some office and emergency-room visits, and any Part B excess charges your provider bills. In states that prohibit excess charges, that last exposure disappears — which is why Plan N's value depends heavily on where you live.
With Plan N, you still pay:
- The Part B annual deductible
- A copay for some office and emergency-room visits
- Part B excess charges, where a state permits them
Benefits are standardized by federal law, so Plan N from one carrier pays the same claims as Plan N from another. Price, rate-increase history and service are what differ. That is the whole argument for reading filings.
Switching Plan N 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.