California 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 California insurance regulator and what those filings show about renewal increases.
What Plan N costs in California
Plan N premiums in California run from $141.95 to $282.95 per month across 15 carriers, for the quoted scenario described below. Figures marked unverified have not yet been matched to a filing.
| Carrier | Age | Rating method | Monthly premium |
|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $141.95/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $147.23/mo (unverified) |
| American Retirement Life Insurance Company (Cigna) | 65 | Attained age | $152.05/mo (unverified) |
| United World Life Insurance Company | 65 | Attained age | $155.74/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $156.49/mo (unverified) |
| Manhattanlife Insurance And Annuity Company | 65 | Attained age | $160.92/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $177.85/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $179.78/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $180.00/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $180.42/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 65 | Attained age | $180.68/mo (unverified) |
| Manhattanlife Insurance And Annuity Company | 70 | Attained age | $181.92/mo (unverified) |
| Blue Shield Of California Life & Health Insurance Company | 65 | Attained age | $183.00/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $187.67/mo (unverified) |
| American Retirement Life Insurance Company (Cigna) | 70 | Attained age | $188.14/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $188.88/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $190.11/mo (unverified) |
| Everence Association Inc | 65 | Attained age | $190.79/mo (unverified) |
| United World Life Insurance Company | 70 | Attained age | $193.91/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $201.11/mo (unverified) |
| (Anthem) Anthem Blue Cross Life And Health Insurance Company | 65 | Attained age | $219.96/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 70 | Attained age | $220.66/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $233.61/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $234.94/mo (unverified) |
| Humana Insurance Company | 65 | Attained age | $236.61/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $237.00/mo (unverified) |
| Blue Shield Of California Life & Health Insurance Company | 70 | Attained age | $238.00/mo (unverified) |
| Everence Association Inc | 70 | Attained age | $238.52/mo (unverified) |
| (Anthem) Anthem Blue Cross Life And Health Insurance Company | 70 | Attained age | $268.35/mo (unverified) |
| Humana Insurance Company | 70 | Attained age | $282.95/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 Life (Underwritten By Washington National Insurance Company) | September 1, 2026 | +10.0% (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | September 1, 2026 | +13.0% (unverified) |
| Insurance Company Of North America | August 1, 2026 | +13.0% (unverified) |
| American Retirement Life Insurance Company (Cigna) | July 1, 2026 | +8.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | July 1, 2026 | +20.0% (unverified) |
| Blue Shield Of California Life & Health Insurance Company | July 1, 2026 | +8.0% (unverified) |
| Humana Insurance Company | July 1, 2026 | +20.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +12.0% (unverified) |
| USAA Life Insurance Company | May 1, 2026 | +17.0% (unverified) |
| United American Insurance Company | April 15, 2026 | +15.3% (unverified) |
| State Farm Mutual Automobile Insurance Company | April 1, 2026 | +15.0% (unverified) |
| Everence Association Inc | April 1, 2026 | +10.0% (unverified) |
| (Anthem) Anthem Blue Cross Life And Health Insurance Company | March 1, 2026 | +14.6% (unverified) |
| Manhattanlife Insurance And Annuity Company | February 1, 2026 | +15.0% (unverified) |
| United World Life Insurance Company | December 1, 2025 | +12.0% (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 California
If you already hold a Medigap policy, you get a 60-day window each year following your birthday to buy a new one without medical screening or a new waiting period. The new policy must carry the same or lesser benefits than the one you hold.
California: birthday rule — 60 days. State rules change; confirm the current window with the California insurance department or your SHIP counselor before you apply anywhere.