Arkansas 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 Arkansas insurance regulator and what those filings show about renewal increases.
What Plan N costs in Arkansas
Plan N premiums in Arkansas run from $112.89 to $562.68 per month across 22 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 | Community rated | $112.89/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Community rated | $112.89/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Community rated | $124.02/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Community rated | $124.02/mo (unverified) |
| Lumos Insurance Company | 65 | Community rated | $126.51/mo (unverified) |
| Lumos Insurance Company | 70 | Community rated | $126.51/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 65 | Community rated | $127.12/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 70 | Community rated | $127.12/mo (unverified) |
| New Era Life Insurance Company | 65 | Community rated | $127.51/mo (unverified) |
| New Era Life Insurance Company | 70 | Community rated | $127.51/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Community rated | $134.64/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Community rated | $134.64/mo (unverified) |
| Insurance Company Of North America | 65 | Community rated | $135.00/mo (unverified) |
| Insurance Company Of North America | 70 | Community rated | $135.00/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 65 | Community rated | $135.91/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 70 | Community rated | $135.91/mo (unverified) |
| Woodmenlife | 65 | Community rated | $136.49/mo (unverified) |
| Woodmenlife | 70 | Community rated | $136.49/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Community rated | $142.46/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Community rated | $142.46/mo (unverified) |
| Humana (HumanaDental Insurance Company) | 65 | Community rated | $143.81/mo (unverified) |
| Humana (HumanaDental Insurance Company) | 70 | Community rated | $143.81/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Community rated | $144.33/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Community rated | $144.33/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 65 | Community rated | $145.86/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Community rated | $145.86/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Community rated | $152.38/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Community rated | $152.38/mo (unverified) |
| Qualchoice Life And Health Insurance Company, Inc. | 65 | Community rated | $165.14/mo (unverified) |
| Qualchoice Life And Health Insurance Company, Inc. | 65 | Community rated | $165.14/mo (unverified) |
| Qualchoice Life And Health Insurance Company, Inc. | 70 | Community rated | $165.14/mo (unverified) |
| Qualchoice Life And Health Insurance Company, Inc. | 70 | Community rated | $165.14/mo (unverified) |
| Mutual Of Omaha Insurance Company | 65 | Community rated | $169.43/mo (unverified) |
| Mutual Of Omaha Insurance Company | 70 | Community rated | $169.43/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 65 | Community rated | $169.83/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 70 | Community rated | $169.83/mo (unverified) |
| USAA Life Insurance Company | 65 | Community rated | $175.78/mo (unverified) |
| USAA Life Insurance Company | 70 | Community rated | $175.78/mo (unverified) |
| BCBS Arkansas | 65 | Community rated | $179.10/mo (unverified) |
| BCBS Arkansas | 65 | Community rated | $179.10/mo (unverified) |
| BCBS Arkansas | 70 | Community rated | $179.10/mo (unverified) |
| BCBS Arkansas | 70 | Community rated | $179.10/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Community rated | $182.98/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Community rated | $182.98/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Community rated | $186.03/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Community rated | $186.03/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Community rated | $187.90/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Community rated | $187.90/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Community rated | $199.12/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Community rated | $199.12/mo (unverified) |
| United American Insurance Company | 65 | Community rated | $250.00/mo (unverified) |
| United American Insurance Company | 70 | Community rated | $250.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $259.50/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $539.30/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $259.50/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $539.30/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 65 | Community rated | $562.68/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 70 | Community rated | $562.68/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 |
|---|---|---|
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | August 1, 2026 | +3.9% (unverified) |
| Lumos Insurance Company | August 1, 2026 | The filing is on record but this figure is not in it. |
| Insurance Company Of North America | August 1, 2026 | +17.0% (unverified) |
| American Benefit Life Insurance Company | August 1, 2026 | +25.0% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | July 1, 2026 | +9.9% (unverified) |
| USAA Life Insurance Company | July 1, 2026 | +15.0% (unverified) |
| Lifeshield National Insurance Co. | June 1, 2026 | +9.0% (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | June 1, 2026 | +25.7% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +13.6% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +13.5% (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | June 1, 2026 | +25.2% (unverified) |
| Humana (HumanaDental Insurance Company) | May 1, 2026 | +20.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | May 1, 2026 | +10.0% (unverified) |
| Mutual Of Omaha Insurance Company | April 15, 2026 | +20.0% (unverified) |
| United American Insurance Company | April 1, 2026 | +15.2% (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | March 1, 2026 | +20.0% (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | March 1, 2026 | +5.0% (unverified) |
| State Farm Mutual Automobile Insurance Company | February 1, 2026 | +10.0% (unverified) |
| Woodmenlife | January 15, 2026 | +15.0% (unverified) |
| Qualchoice Life And Health Insurance Company, Inc. | January 1, 2026 | +15.0% (unverified) |
| BCBS Arkansas | January 1, 2026 | +55.9% (unverified) |
| BCBS Arkansas | January 1, 2026 | +15.0% (unverified) |
| Wps-A Health Solutions Company | January 1, 2026 | +9.0% (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | October 1, 2025 | +9.0% (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 Arkansas
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.
Arkansas: federal rules only. State rules change; confirm the current window with the Arkansas insurance department or your SHIP counselor before you apply anywhere.