Colorado 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 Colorado insurance regulator and what those filings show about renewal increases.
What Plan N costs in Colorado
Plan N premiums in Colorado run from $93.41 to $582.81 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 | $93.41/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Attained age | $98.14/mo (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | 65 | Attained age | $108.27/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 65 | Attained age | $110.69/mo (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | 70 | Attained age | $116.03/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $117.06/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 65 | Attained age | $117.82/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $120.92/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $123.17/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $123.66/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Attained age | $123.78/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 70 | Attained age | $124.59/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $124.86/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $127.42/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $128.46/mo (unverified) |
| Woodmenlife | 65 | Attained age | $131.15/mo (unverified) |
| Omaha Insurance Company | 65 | Attained age | $133.94/mo (unverified) |
| Woodmenlife | 70 | Attained age | $134.10/mo (unverified) |
| Medico Corp Life Insurance Company | 65 | Attained age | $134.51/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $135.81/mo (unverified) |
| Medico Corp Life Insurance Company | 70 | Attained age | $135.86/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $138.26/mo (unverified) |
| Nassau Life Insurance Company | 65 | Attained age | $140.76/mo (unverified) |
| Omaha Insurance Company | 70 | Attained age | $145.99/mo (unverified) |
| Medico Corp Life Insurance Company | 65 | Attained age | $147.97/mo (unverified) |
| Medico Corp Life Insurance Company | 70 | Attained age | $149.45/mo (unverified) |
| Nassau Life Insurance Company | 70 | Attained age | $150.58/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $155.55/mo (unverified) |
| (Anthem) Blue Cross Blue Shield Of Colorado | 65 | Attained age | $158.26/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $158.95/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $165.84/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 65 | Attained age | $166.04/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Attained age | $166.19/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $167.44/mo (unverified) |
| Medico Corp Life Insurance Company | 65 | Attained age | $168.14/mo (unverified) |
| Medico Corp Life Insurance Company | 70 | Attained age | $169.83/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $175.33/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $186.49/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 70 | Attained age | $186.88/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $190.15/mo (unverified) |
| (Anthem) Blue Cross Blue Shield Of Colorado | 70 | Attained age | $193.07/mo (unverified) |
| Aetna Health Insurance Company | 65 | Attained age | $193.51/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Attained age | $198.74/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $205.17/mo (unverified) |
| Aetna Health Insurance Company | 70 | Attained age | $215.91/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $216.22/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $220.00/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $254.54/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $281.23/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $281.49/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $283.00/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $298.68/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $582.81/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $582.81/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 |
|---|---|---|
| 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. |
| Bankers Life (Underwritten By Washington National Insurance Company) | August 1, 2026 | +9.9% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | August 1, 2026 | +10.0% (unverified) |
| Aetna Health Insurance Company | August 1, 2026 | +25.0% (unverified) |
| Lifeshield National Insurance Co. | July 1, 2026 | +12.0% (unverified) |
| Nassau Life Insurance Company | July 1, 2026 | +18.0% (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | June 1, 2026 | +10.3% (unverified) |
| State Farm Mutual Automobile Insurance Company | June 1, 2026 | +20.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +8.9% (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | June 1, 2026 | +10.2% (unverified) |
| United American Insurance Company | June 1, 2026 | +20.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +8.8% (unverified) |
| Omaha Insurance Company | May 15, 2026 | +25.0% (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | May 1, 2026 | +4.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | May 1, 2026 | +10.0% (unverified) |
| USAA Life Insurance Company | May 1, 2026 | +4.0% (unverified) |
| Medico Corp Life Insurance Company | April 1, 2026 | The filing is on record but this figure is not in it. |
| Woodmenlife | January 15, 2026 | +9.0% (unverified) |
| (Anthem) Blue Cross Blue Shield Of Colorado | January 1, 2026 | +9.5% (unverified) |
| Wps-A Health Solutions Company | January 1, 2026 | +15.0% (unverified) |
| Guarantee Trust Life Insurance Company | January 1, 2026 | +13.9% (unverified) |
| GPM Health And Life Insurance Company | December 1, 2025 | +11.0% (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | August 1, 2025 | +4.9% (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 Colorado
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.
Colorado: federal rules only. State rules change; confirm the current window with the Colorado insurance department or your SHIP counselor before you apply anywhere.