Georgia 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 Georgia insurance regulator and what those filings show about renewal increases.
What Plan N costs in Georgia
Plan N premiums in Georgia run from $108.78 to $359.66 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 | Issue age | $108.78/mo (unverified) |
| New Era Life Insurance Company | 65 | Issue age | $110.23/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Issue age | $112.72/mo (unverified) |
| Medico Insurance Company | 65 | Issue age | $115.65/mo (unverified) |
| New Era Life Insurance Company | 70 | Issue age | $115.95/mo (unverified) |
| Lumos Insurance Company | 65 | Issue age | $118.83/mo (unverified) |
| Lumos Insurance Company | 70 | Issue age | $122.39/mo (unverified) |
| Medico Insurance Company | 65 | Issue age | $127.22/mo (unverified) |
| Medico Insurance Company | 70 | Issue age | $127.22/mo (unverified) |
| Insurance Company Of North America | 65 | Issue age | $127.50/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Issue age | $128.46/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 65 | Issue age | $130.20/mo (unverified) |
| Insurance Company Of North America | 70 | Issue age | $130.50/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Issue age | $135.23/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Issue age | $135.29/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 65 | Issue age | $135.48/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Issue age | $136.60/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Issue age | $140.35/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Issue age | $140.51/mo (unverified) |
| Humana (Emphesys Insurance Company) | 65 | Issue age | $140.80/mo (unverified) |
| Medico Insurance Company | 65 | Issue age | $144.57/mo (unverified) |
| Medico Insurance Company | 70 | Issue age | $115.65/mo (unverified) |
| Medico Insurance Company | 70 | Issue age | $144.57/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Issue age | $148.10/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Issue age | $148.17/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 70 | Issue age | $149.27/mo (unverified) |
| Humana (Emphesys Insurance Company) | 70 | Issue age | $150.62/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Issue age | $151.96/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Issue age | $158.36/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Issue age | $161.77/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Issue age | $168.41/mo (unverified) |
| Omaha Supplemental Insurance Company | 65 | Issue age | $168.72/mo (unverified) |
| USAA Life Insurance Company | 65 | Issue age | $169.83/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Issue age | $175.50/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Issue age | $176.34/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Issue age | $181.31/mo (unverified) |
| Physicians Life Insurance Company | 65 | Issue age | $187.03/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Issue age | $192.69/mo (unverified) |
| USAA Life Insurance Company | 70 | Issue age | $193.12/mo (unverified) |
| Physicians Life Insurance Company | 70 | Issue age | $197.72/mo (unverified) |
| Omaha Supplemental Insurance Company | 70 | Issue age | $198.05/mo (unverified) |
| Anthem Ins Co Inc | 65 | Issue age | $199.00/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Issue age | $202.93/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Issue age | $212.00/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Issue age | $215.58/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Issue age | $217.47/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Issue age | $218.80/mo (unverified) |
| Anthem Ins Co Inc | 70 | Issue age | $235.00/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Issue age | $243.33/mo (unverified) |
| United American Insurance Company | 65 | Issue age | $249.00/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Issue age | $255.73/mo (unverified) |
| United American Insurance Company | 70 | Issue age | $273.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Issue age | $297.97/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Issue age | $359.66/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 | +15.0% (unverified) |
| Lifeshield National Insurance Co. | September 1, 2026 | +15.0% (unverified) |
| American Benefit Life Insurance Company | September 1, 2026 | +15.0% (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | August 1, 2026 | +9.9% (unverified) |
| Lumos Insurance Company | August 1, 2026 | The filing is on record but this figure is not in it. |
| Physicians Life Insurance Company | August 1, 2026 | +15.0% (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | July 1, 2026 | +10.3% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | July 1, 2026 | +9.9% (unverified) |
| Omaha Supplemental Insurance Company | July 1, 2026 | The filing is on record but this figure is not in it. |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +15.8% (unverified) |
| GPM Health And Life Insurance Company | May 1, 2026 | +15.0% (unverified) |
| Guarantee Trust Life Insurance Company | April 1, 2026 | +15.0% (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | March 1, 2026 | +15.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | March 1, 2026 | +15.0% (unverified) |
| Medico Insurance Company | February 1, 2026 | +24.3% (unverified) |
| State Farm Mutual Automobile Insurance Company | February 1, 2026 | The filing is on record but this figure is not in it. |
| United American Insurance Company | January 15, 2026 | +9.8% (unverified) |
| Anthem Ins Co Inc | January 1, 2026 | +12.6% (unverified) |
| Humana (Emphesys Insurance Company) | October 1, 2025 | +15.0% (unverified) |
| USAA Life Insurance Company | October 1, 2025 | +4.0% (unverified) |
| New Era Life Insurance Company | August 1, 2025 | The filing is on record but this figure is not in it. |
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 Georgia
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.
Georgia: federal rules only. State rules change; confirm the current window with the Georgia insurance department or your SHIP counselor before you apply anywhere.