Idaho 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 Idaho insurance regulator and what those filings show about renewal increases.
What Plan N costs in Idaho
Plan N premiums in Idaho run from $158.92 to $287.38 per month across 16 carriers, for the quoted scenario described below. Figures marked unverified have not yet been matched to a filing.
| Carrier | Age | Rating method | Monthly premium |
|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | 65 | Community rated | $158.92/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Community rated | $158.92/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Community rated | $184.50/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Community rated | $184.50/mo (unverified) |
| Insurance Company Of North America | 65 | Community rated | $186.67/mo (unverified) |
| Insurance Company Of North America | 70 | Community rated | $186.67/mo (unverified) |
| Moda Health Plan, Inc. | 65 | Community rated | $194.95/mo (unverified) |
| Moda Health Plan, Inc. | 70 | Community rated | $194.95/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Community rated | $195.65/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Community rated | $195.65/mo (unverified) |
| Medco Containment Life Insurance Company (Cigna) | 65 | Community rated | $209.36/mo (unverified) |
| Medco Containment Life Insurance Company (Cigna) | 70 | Community rated | $209.36/mo (unverified) |
| Humana Value (HumanaDental Insurance Company) | 65 | Community rated | $211.01/mo (unverified) |
| Humana Value (HumanaDental Insurance Company) | 70 | Community rated | $211.01/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $213.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $213.00/mo (unverified) |
| Omaha Insurance Company | 65 | Community rated | $215.01/mo (unverified) |
| Omaha Insurance Company | 70 | Community rated | $215.01/mo (unverified) |
| Regence Blueshield Of Idaho, Inc. | 65 | Community rated | $216.00/mo (unverified) |
| Regence Blueshield Of Idaho, Inc. | 70 | Community rated | $216.00/mo (unverified) |
| Aetna Health And Life Insurance Company | 65 | Community rated | $217.75/mo (unverified) |
| Aetna Health And Life Insurance Company | 70 | Community rated | $217.75/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Community rated | $232.78/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Community rated | $232.78/mo (unverified) |
| United American Insurance Company | 65 | Community rated | $237.00/mo (unverified) |
| United American Insurance Company | 70 | Community rated | $237.00/mo (unverified) |
| USAA Life Insurance Company | 65 | Community rated | $239.02/mo (unverified) |
| USAA Life Insurance Company | 70 | Community rated | $239.02/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Community rated | $243.65/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Community rated | $243.65/mo (unverified) |
| Blue Cross Of Idaho Health Service, Inc. | 65 | Community rated | $250.00/mo (unverified) |
| Blue Cross Of Idaho Health Service, Inc. | 70 | Community rated | $250.00/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Community rated | $287.38/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Community rated | $287.38/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 | August 1, 2026 | +12.5% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | August 1, 2026 | +14.0% (unverified) |
| Moda Health Plan, Inc. | July 1, 2026 | +10.9% (unverified) |
| United American Insurance Company | June 15, 2026 | +8.2% (unverified) |
| State Farm Mutual Automobile Insurance Company | June 1, 2026 | +13.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +17.7% (unverified) |
| USAA Life Insurance Company | May 1, 2026 | +2.0% (unverified) |
| Medco Containment Life Insurance Company (Cigna) | April 1, 2026 | 0.0% (unverified) |
| Aetna Health And Life Insurance Company | April 1, 2026 | +15.0% (unverified) |
| Blue Cross Of Idaho Health Service, Inc. | April 1, 2026 | The filing is on record but this figure is not in it. |
| Aflac, Underwritten By Tier One Insurance Company | March 1, 2026 | +15.0% (unverified) |
| Omaha Insurance Company | March 1, 2026 | +20.0% (unverified) |
| Regence Blueshield Of Idaho, Inc. | March 1, 2026 | +17.4% (unverified) |
| GPM Health And Life Insurance Company | January 1, 2026 | +11.0% (unverified) |
| Humana Value (HumanaDental Insurance Company) | January 1, 2026 | +12.6% (unverified) |
| Guarantee Trust Life Insurance Company | January 1, 2026 | +9.9% (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 Idaho
Current policyholders get an annual 63-day guaranteed issue window beginning on their birthday, and may take similar or lesser coverage from their existing company or from a different one, without underwriting.
Idaho: birthday rule — 63 days. State rules change; confirm the current window with the Idaho insurance department or your SHIP counselor before you apply anywhere.