Illinois 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 Illinois insurance regulator and what those filings show about renewal increases.
What Plan N costs in Illinois
Plan N premiums in Illinois run from $92.20 to $616.26 per month across 30 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 | Attained age | $92.20/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Attained age | $96.87/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $112.24/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $114.58/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 65 | Attained age | $116.22/mo (unverified) |
| Nassau Life Insurance Company | 65 | Attained age | $119.19/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $121.68/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Attained age | $122.10/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $123.92/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $126.83/mo (unverified) |
| Nassau Life Insurance Company | 70 | Attained age | $127.51/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $129.42/mo (unverified) |
| BCBS IL/TX/NM/OK | 65 | Attained age | $132.00/mo (unverified) |
| Medico Insurance Company | 65 | Attained age | $133.48/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $133.54/mo (unverified) |
| Medico Insurance Company | 70 | Attained age | $134.82/mo (unverified) |
| Woodmenlife | 65 | Attained age | $138.83/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $141.23/mo (unverified) |
| Woodmenlife | 70 | Attained age | $141.95/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $142.87/mo (unverified) |
| Globe Life And Accident Insurance Company | 65 | Attained age | $143.00/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 65 | Community rated | $144.32/mo (unverified) |
| Medico Insurance Company | 65 | Attained age | $146.83/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $147.88/mo (unverified) |
| Medico Insurance Company | 70 | Attained age | $148.30/mo (unverified) |
| Omaha Insurance Company | 65 | Attained age | $149.69/mo (unverified) |
| Manhattanlife Insurance And Annuity Company | 65 | Attained age | $151.67/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 65 | Attained age | $152.84/mo (unverified) |
| Erie Family Life Insurance Company | 65 | Attained age | $153.60/mo (unverified) |
| BCBS IL/TX/NM/OK | 65 | Attained age | $155.29/mo (unverified) |
| BCBS IL/TX/NM/OK | 65 | Attained age | $160.07/mo (unverified) |
| BCBS IL/TX/NM/OK | 70 | Attained age | $155.35/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $156.14/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 70 | Attained age | $158.72/mo (unverified) |
| Globe Life And Accident Insurance Company | 70 | Attained age | $160.00/mo (unverified) |
| Erie Family Life Insurance Company | 70 | Attained age | $160.16/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 70 | Community rated | $160.50/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $163.91/mo (unverified) |
| Everence Association Inc | 65 | Attained age | $164.82/mo (unverified) |
| Manhattanlife Insurance And Annuity Company | 70 | Attained age | $165.50/mo (unverified) |
| Medico Insurance Company | 65 | Attained age | $166.85/mo (unverified) |
| Omaha Insurance Company | 70 | Attained age | $168.13/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $168.36/mo (unverified) |
| Medico Insurance Company | 70 | Attained age | $168.52/mo (unverified) |
| Aetna Health Insurance Company | 65 | Attained age | $176.01/mo (unverified) |
| BCBS IL/TX/NM/OK | 70 | Attained age | $178.64/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $178.95/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $179.01/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $179.47/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $182.33/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Attained age | $182.93/mo (unverified) |
| BCBS IL/TX/NM/OK | 65 | Attained age | $183.36/mo (unverified) |
| Pekin Life Insurance Company | 65 | Attained age | $184.19/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $185.88/mo (unverified) |
| Humana (Emphesys Insurance Company) | 65 | Attained age | $192.03/mo (unverified) |
| Aetna Health Insurance Company | 70 | Attained age | $197.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $197.32/mo (unverified) |
| Everence Association Inc | 70 | Attained age | $197.60/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $199.07/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $203.78/mo (unverified) |
| Humana (Emphesys Insurance Company) | 70 | Attained age | $211.45/mo (unverified) |
| BCBS IL/TX/NM/OK | 70 | Attained age | $213.69/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $218.79/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Attained age | $219.37/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $225.29/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $233.07/mo (unverified) |
| New Era Life Insurance Company Of The Midwest | 65 | Attained age | $234.32/mo (unverified) |
| BCBS IL/TX/NM/OK | 70 | Attained age | $236.98/mo (unverified) |
| Pekin Life Insurance Company | 70 | Attained age | $242.42/mo (unverified) |
| Physicians Mutual Insurance Company | 65 | Attained age | $242.92/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $247.05/mo (unverified) |
| New Era Life Insurance Company Of The Midwest | 70 | Attained age | $267.48/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $271.90/mo (unverified) |
| Physicians Mutual Insurance Company | 70 | Attained age | $278.89/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $303.00/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $392.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $557.30/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $557.30/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 65 | Community rated | $616.26/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 70 | Community rated | $616.26/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 | +30.0% (unverified) |
| Insurance Company Of North America | August 1, 2026 | +22.0% (unverified) |
| Humana (Emphesys Insurance Company) | August 1, 2026 | +29.0% (unverified) |
| USAA Life Insurance Company | August 1, 2026 | +15.0% (unverified) |
| Physicians Mutual Insurance Company | August 1, 2026 | The filing is on record but this figure is not in it. |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | July 1, 2026 | +21.1% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | June 1, 2026 | +9.9% (unverified) |
| Lifeshield National Insurance Co. | June 1, 2026 | +15.0% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | June 1, 2026 | +10.0% (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | June 1, 2026 | +30.9% (unverified) |
| Omaha Insurance Company | June 1, 2026 | +8.5% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +15.7% (unverified) |
| Pekin Life Insurance Company | June 1, 2026 | +30.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +15.6% (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | June 1, 2026 | +30.3% (unverified) |
| Medico Insurance Company | May 1, 2026 | The filing is on record but this figure is not in it. |
| BCBS IL/TX/NM/OK | April 1, 2026 | +22.2% (unverified) |
| BCBS IL/TX/NM/OK | April 1, 2026 | +19.3% (unverified) |
| BCBS IL/TX/NM/OK | April 1, 2026 | +5.0% (unverified) |
| Everence Association Inc | April 1, 2026 | +14.5% (unverified) |
| Aetna Health Insurance Company | April 1, 2026 | +25.0% (unverified) |
| State Farm Mutual Automobile Insurance Company | April 1, 2026 | +20.0% (unverified) |
| BCBS IL/TX/NM/OK | April 1, 2026 | +4.5% (unverified) |
| Globe Life And Accident Insurance Company | March 15, 2026 | +19.9% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | March 1, 2026 | +23.0% (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | March 1, 2026 | +29.0% (unverified) |
| Erie Family Life Insurance Company | March 1, 2026 | +22.0% (unverified) |
| United American Insurance Company | March 1, 2026 | +20.0% (unverified) |
| Woodmenlife | February 1, 2026 | +20.0% (unverified) |
| Manhattanlife Insurance And Annuity Company | February 1, 2026 | +24.0% (unverified) |
| Nassau Life Insurance Company | January 1, 2026 | +14.0% (unverified) |
| Wps-A Health Solutions Company | January 1, 2026 | +14.5% (unverified) |
| Guarantee Trust Life Insurance Company | January 1, 2026 | +7.9% (unverified) |
| GPM Health And Life Insurance Company | October 1, 2025 | +35.0% (unverified) |
| New Era Life Insurance Company Of The Midwest | October 1, 2025 | +8.0% (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | September 1, 2025 | +2.9% (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 Illinois
Narrower than most, in two ways worth knowing before you plan around it. The 45-day window from your birthday is open only to policyholders aged 65 through 75, and it lets you move to a policy of equal or lesser benefits with the same insurer — not to a different company. Inside it, the insurer cannot decline you or price you on your health.
Illinois: birthday rule — 45 days, ages 65–75, same insurer. State rules change; confirm the current window with the Illinois insurance department or your SHIP counselor before you apply anywhere.