Connecticut 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 Connecticut insurance regulator and what those filings show about renewal increases.
What Plan N costs in Connecticut
Plan N premiums in Connecticut run from $194.39 to $317.11 per month across 7 carriers, for the quoted scenario described below. Figures marked unverified have not yet been matched to a filing.
| Carrier | Age | Rating method | Monthly premium |
|---|---|---|---|
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Community rated | $194.39/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Community rated | $194.39/mo (unverified) |
| USAA Life Insurance Company | 65 | Community rated | $226.61/mo (unverified) |
| USAA Life Insurance Company | 70 | Community rated | $226.61/mo (unverified) |
| Anthem Hlth Plans Inc | 65 | Community rated | $238.85/mo (unverified) |
| Anthem Hlth Plans Inc | 70 | Community rated | $238.85/mo (unverified) |
| United American Insurance Company | 65 | Community rated | $242.00/mo (unverified) |
| United American Insurance Company | 70 | Community rated | $242.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $247.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $247.00/mo (unverified) |
| Connecticare Insurance Company, Inc. | 65 | Community rated | $259.20/mo (unverified) |
| Connecticare Insurance Company, Inc. | 70 | Community rated | $259.20/mo (unverified) |
| Omaha Insurance Company | 65 | Community rated | $317.11/mo (unverified) |
| Omaha Insurance Company | 70 | Community rated | $317.11/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 |
|---|---|---|
| USAA Life Insurance Company | September 1, 2026 | +10.0% (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | August 1, 2026 | +10.2% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +10.1% (unverified) |
| United American Insurance Company | February 15, 2026 | +10.0% (unverified) |
| Anthem Hlth Plans Inc | January 1, 2026 | +6.7% (unverified) |
| Connecticare Insurance Company, Inc. | January 1, 2026 | +35.0% (unverified) |
| Omaha Insurance Company | June 15, 2025 | +7.8% (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 Connecticut
Medigap plans are available on a guaranteed issue basis at all times, and rates may not vary by age, gender or health status — Connecticut policies are community-rated, so your premium does not rise because you got older.
Connecticut: year-round guaranteed issue. State rules change; confirm the current window with the Connecticut insurance department or your SHIP counselor before you apply anywhere.