Hawaii 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 Hawaii insurance regulator and what those filings show about renewal increases.
What Plan N costs in Hawaii
Plan N premiums in Hawaii run from $100.71 to $313.75 per month across 6 carriers, for the quoted scenario described below. Figures marked unverified have not yet been matched to a filing.
| Carrier | Age | Rating method | Monthly premium |
|---|---|---|---|
| Mutual Of Omaha Insurance Company | 65 | Attained age | $100.71/mo (unverified) |
| Mutual Of Omaha Insurance Company | 70 | Attained age | $110.58/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $112.31/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $113.22/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $116.03/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $124.95/mo (unverified) |
| Loyal American Life Insurance Company (Healthspring) | 65 | Attained age | $131.33/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $132.72/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $138.66/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $141.87/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $145.24/mo (unverified) |
| Loyal American Life Insurance Company (Healthspring) | 70 | Attained age | $155.06/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $313.75/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $164.29/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $179.30/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $313.75/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 |
|---|---|---|
| Loyal American Life Insurance Company (Healthspring) | August 1, 2026 | 0.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +15.0% (unverified) |
| State Farm Mutual Automobile Insurance Company | April 1, 2026 | +15.0% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | February 1, 2026 | +1.4% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | February 1, 2026 | +1.5% (unverified) |
| USAA Life Insurance Company | October 1, 2025 | 0.0% (unverified) |
| Mutual Of Omaha Insurance Company | September 1, 2025 | +7.7% (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 Hawaii
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.
Hawaii: federal rules only. State rules change; confirm the current window with the Hawaii insurance department or your SHIP counselor before you apply anywhere.