Delaware 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 Delaware insurance regulator and what those filings show about renewal increases.
What Plan N costs in Delaware
Plan N premiums in Delaware run from $115.65 to $442.40 per month across 18 carriers, for the quoted scenario described below. Figures marked unverified have not yet been matched to a filing.
| Carrier | Age | Rating method | Monthly premium |
|---|---|---|---|
| Nassau Life Insurance Company | 65 | Attained age | $115.65/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $117.17/mo (unverified) |
| Aetna Health Insurance Company | 65 | Attained age | $119.12/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $119.50/mo (unverified) |
| Humana Achieve (Emphesys Insurance Company) | 65 | Attained age | $123.17/mo (unverified) |
| Nassau Life Insurance Company | 70 | Attained age | $123.71/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $127.82/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $128.77/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $129.36/mo (unverified) |
| Medico Insurance Company | 65 | Attained age | $129.61/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $130.04/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $130.56/mo (unverified) |
| Medico Insurance Company | 70 | Attained age | $130.91/mo (unverified) |
| Aetna Health Insurance Company | 70 | Attained age | $133.36/mo (unverified) |
| Highmark BCBSD, Inc. | 65 | Attained age | $135.10/mo (unverified) |
| Humana Achieve (Emphesys Insurance Company) | 70 | Attained age | $138.54/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $139.55/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $140.59/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $142.29/mo (unverified) |
| Medico Insurance Company | 65 | Attained age | $142.57/mo (unverified) |
| Mutual Of Omaha Insurance Company | 65 | Attained age | $143.00/mo (unverified) |
| Medico Insurance Company | 70 | Attained age | $144.00/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $144.34/mo (unverified) |
| Physicians Life Insurance Company | 65 | Attained age | $146.33/mo (unverified) |
| Highmark BCBSD, Inc. | 70 | Attained age | $147.70/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $149.20/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Attained age | $151.88/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $152.02/mo (unverified) |
| Physicians Life Insurance Company | 70 | Attained age | $157.88/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $158.46/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $159.55/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $160.32/mo (unverified) |
| Medico Insurance Company | 65 | Attained age | $162.01/mo (unverified) |
| Medico Insurance Company | 70 | Attained age | $163.64/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $166.60/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $167.17/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $167.88/mo (unverified) |
| Highmark BCBSD, Inc. | 65 | Attained age | $169.60/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Attained age | $181.28/mo (unverified) |
| Highmark BCBSD, Inc. | 70 | Attained age | $182.20/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $205.00/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $207.03/mo (unverified) |
| Mutual Of Omaha Insurance Company | 70 | Attained age | $219.72/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $259.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $442.40/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $442.40/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 | September 1, 2026 | +9.0% (unverified) |
| American Benefit Life Insurance Company | September 1, 2026 | +14.9% (unverified) |
| Lifeshield National Insurance Co. | September 1, 2026 | +9.0% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | August 1, 2026 | +5.0% (unverified) |
| USAA Life Insurance Company | August 1, 2026 | 0.0% (unverified) |
| Highmark BCBSD, Inc. | July 1, 2026 | -16.0% (unverified) |
| Highmark BCBSD, Inc. | July 1, 2026 | -13.6% (unverified) |
| Mutual Of Omaha Insurance Company | June 12, 2026 | The filing is on record but this figure is not in it. |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +14.9% (unverified) |
| United American Insurance Company | June 1, 2026 | +4.9% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +14.8% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | May 1, 2026 | +9.9% (unverified) |
| Aetna Health Insurance Company | April 1, 2026 | +5.0% (unverified) |
| Medico Insurance Company | February 1, 2026 | The filing is on record but this figure is not in it. |
| State Farm Mutual Automobile Insurance Company | January 1, 2026 | +8.2% (unverified) |
| Guarantee Trust Life Insurance Company | January 1, 2026 | +4.0% (unverified) |
| Wps-A Health Solutions Company | January 1, 2026 | +5.0% (unverified) |
| Nassau Life Insurance Company | October 1, 2025 | +5.0% (unverified) |
| Humana Achieve (Emphesys Insurance Company) | October 1, 2025 | +3.0% (unverified) |
| Physicians Life Insurance Company | July 1, 2025 | +18.1% (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 Delaware
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.
Delaware: federal rules only. State rules change; confirm the current window with the Delaware insurance department or your SHIP counselor before you apply anywhere.