Florida 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 Florida insurance regulator and what those filings show about renewal increases.
What Plan N costs in Florida
Plan N premiums in Florida run from $141.44 to $680.34 per month across 23 carriers, for the quoted scenario described below. Figures marked unverified have not yet been matched to a filing.
| Carrier | Age | Rating method | Monthly premium |
|---|---|---|---|
| Silverscript Insurance Company | 65 | Issue age | $141.44/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Issue age | $148.43/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Issue age | $149.51/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Issue age | $161.79/mo (unverified) |
| Silverscript Insurance Company | 70 | Issue age | $162.10/mo (unverified) |
| United World Life Insurance Company | 65 | Issue age | $162.82/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Issue age | $167.11/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Issue age | $168.63/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Issue age | $168.78/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 65 | Issue age | $169.56/mo (unverified) |
| Medico Insurance Company | 65 | Issue age | $169.69/mo (unverified) |
| Medico Insurance Company | 70 | Issue age | $169.69/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Issue age | $172.78/mo (unverified) |
| Insurance Company Of North America | 65 | Issue age | $173.07/mo (unverified) |
| Woodmenlife | 65 | Issue age | $174.58/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Issue age | $176.55/mo (unverified) |
| Insurance Company Of North America | 70 | Issue age | $176.98/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Issue age | $180.37/mo (unverified) |
| United World Life Insurance Company | 70 | Issue age | $181.66/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 65 | Issue age | $183.01/mo (unverified) |
| New Era Life Insurance Company | 65 | Issue age | $185.42/mo (unverified) |
| Woodmenlife | 70 | Issue age | $187.14/mo (unverified) |
| Lumos Insurance Company | 65 | Issue age | $189.40/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Issue age | $189.98/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 70 | Issue age | $190.14/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Issue age | $194.41/mo (unverified) |
| Lumos Insurance Company | 70 | Issue age | $195.10/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Issue age | $200.76/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Issue age | $202.30/mo (unverified) |
| New Era Life Insurance Company | 70 | Issue age | $202.86/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 70 | Issue age | $203.75/mo (unverified) |
| United American Insurance Company | 65 | Issue age | $210.00/mo (unverified) |
| Blue Cross And Blue Shield Of Florida, Inc. | 65 | Issue age | $210.44/mo (unverified) |
| Humana Insurance Company | 65 | Issue age | $211.21/mo (unverified) |
| Medico Insurance Company | 65 | Issue age | $212.11/mo (unverified) |
| Medico Insurance Company | 70 | Issue age | $212.11/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Issue age | $217.73/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Issue age | $219.81/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Issue age | $226.38/mo (unverified) |
| Physicians Life Insurance Company | 65 | Issue age | $229.00/mo (unverified) |
| Humana Insurance Company | 70 | Issue age | $235.77/mo (unverified) |
| Physicians Life Insurance Company | 70 | Issue age | $240.92/mo (unverified) |
| Blue Cross And Blue Shield Of Florida, Inc. | 70 | Issue age | $243.64/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Issue age | $244.51/mo (unverified) |
| United American Insurance Company | 70 | Issue age | $254.00/mo (unverified) |
| USAA Life Insurance Company | 65 | Issue age | $680.34/mo (unverified) |
| USAA Life Insurance Company | 70 | Issue age | $269.62/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Issue age | $270.48/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 |
|---|---|---|
| American Benefit Life Insurance Company | September 1, 2026 | +12.0% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | August 1, 2026 | 0.0% (unverified) |
| Lumos Insurance Company | August 1, 2026 | The filing is on record but this figure is not in it. |
| Humana Insurance Company | August 1, 2026 | +11.5% (unverified) |
| Lifeshield National Insurance Co. | July 1, 2026 | +12.0% (unverified) |
| Woodmenlife | July 1, 2026 | +10.8% (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | July 1, 2026 | +12.5% (unverified) |
| New Era Life Insurance Company | July 1, 2026 | +10.0% (unverified) |
| Physicians Life Insurance Company | July 1, 2026 | +12.0% (unverified) |
| State Farm Mutual Automobile Insurance Company | June 1, 2026 | +10.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +15.3% (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | May 1, 2026 | +10.2% (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | April 1, 2026 | +14.0% (unverified) |
| United American Insurance Company | March 15, 2026 | +18.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | March 1, 2026 | +15.0% (unverified) |
| Silverscript Insurance Company | February 1, 2026 | +8.0% (unverified) |
| Insurance Company Of North America | January 1, 2026 | The filing is on record but this figure is not in it. |
| Blue Cross And Blue Shield Of Florida, Inc. | January 1, 2026 | +17.4% (unverified) |
| Wps-A Health Solutions Company | January 1, 2026 | +16.5% (unverified) |
| GPM Health And Life Insurance Company | November 1, 2025 | +9.0% (unverified) |
| United World Life Insurance Company | October 1, 2025 | +13.0% (unverified) |
| Medico Insurance Company | October 1, 2025 | +4.0% (unverified) |
| USAA Life Insurance Company | October 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 Florida
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.
Florida: federal rules only. State rules change; confirm the current window with the Florida insurance department or your SHIP counselor before you apply anywhere.