Indiana 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 Indiana insurance regulator and what those filings show about renewal increases.
What Plan N costs in Indiana
Plan N premiums in Indiana run from $84.79 to $585.51 per month across 26 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 | $84.79/mo (unverified) |
| Farm Bureau Health Plans Member S Health Insurance Company | 65 | Attained age | $85.00/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Attained age | $89.08/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 65 | Attained age | $89.20/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $89.21/mo (unverified) |
| Farm Bureau Health Plans Member S Health Insurance Company | 70 | Attained age | $94.50/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $97.90/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $100.04/mo (unverified) |
| New Era Life Insurance Company | 65 | Attained age | $103.09/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 65 | Attained age | $106.96/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $108.67/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $109.23/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $110.50/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Attained age | $112.38/mo (unverified) |
| New Era Life Insurance Company | 70 | Attained age | $112.57/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $114.74/mo (unverified) |
| Mutual Of Omaha Insurance Company | 65 | Attained age | $120.08/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $121.77/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 65 | Attained age | $124.08/mo (unverified) |
| Woodmenlife | 65 | Attained age | $124.84/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $125.66/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $126.14/mo (unverified) |
| Erie Family Life Insurance Company | 65 | Attained age | $127.22/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 70 | Attained age | $127.44/mo (unverified) |
| Woodmenlife | 70 | Attained age | $127.65/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 70 | Attained age | $128.85/mo (unverified) |
| Medico Insurance Company | 65 | Attained age | $129.30/mo (unverified) |
| Medico Insurance Company | 70 | Attained age | $130.59/mo (unverified) |
| Erie Family Life Insurance Company | 70 | Attained age | $132.66/mo (unverified) |
| Mutual Of Omaha Insurance Company | 70 | Attained age | $133.05/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 65 | Attained age | $133.79/mo (unverified) |
| Globe Life And Accident Insurance Company | 65 | Attained age | $140.00/mo (unverified) |
| Medico Insurance Company | 65 | Attained age | $142.23/mo (unverified) |
| Medico Insurance Company | 70 | Attained age | $143.65/mo (unverified) |
| Aetna Health And Life Insurance Company | 65 | Attained age | $148.52/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $150.08/mo (unverified) |
| Everence Association Inc | 65 | Attained age | $152.09/mo (unverified) |
| Pekin Life Insurance Company | 65 | Attained age | $153.15/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $153.51/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $154.19/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $156.74/mo (unverified) |
| Globe Life And Accident Insurance Company | 70 | Attained age | $157.00/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $157.15/mo (unverified) |
| Medico Insurance Company | 65 | Attained age | $161.62/mo (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | 65 | Attained age | $161.79/mo (unverified) |
| Medico Insurance Company | 70 | Attained age | $163.24/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $164.00/mo (unverified) |
| Aetna Health And Life Insurance Company | 70 | Attained age | $166.27/mo (unverified) |
| Anthem Ins Co Inc | 65 | Attained age | $170.65/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $173.31/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $179.18/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $180.84/mo (unverified) |
| Everence Association Inc | 70 | Attained age | $181.95/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Attained age | $182.24/mo (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | 70 | Attained age | $189.10/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 70 | Attained age | $191.16/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $193.78/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $198.83/mo (unverified) |
| Pekin Life Insurance Company | 70 | Attained age | $201.34/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $215.00/mo (unverified) |
| Anthem Ins Co Inc | 70 | Attained age | $218.47/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Attained age | $218.77/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $585.51/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $585.51/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 | +23.2% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | September 1, 2026 | 0.0% (unverified) |
| USAA Life Insurance Company | September 1, 2026 | 0.0% (unverified) |
| Pekin Life Insurance Company | July 1, 2026 | +30.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +25.1% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +25.0% (unverified) |
| Globe Life And Accident Insurance Company | May 1, 2026 | +19.6% (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | April 1, 2026 | +40.0% (unverified) |
| Medico Insurance Company | April 1, 2026 | +34.6% (unverified) |
| Everence Association Inc | April 1, 2026 | +17.0% (unverified) |
| Medico Insurance Company | April 1, 2026 | +34.5% (unverified) |
| Woodmenlife | March 15, 2026 | +30.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | March 1, 2026 | +21.0% (unverified) |
| United American Insurance Company | February 1, 2026 | +5.5% (unverified) |
| Anthem Ins Co Inc | January 1, 2026 | +10.6% (unverified) |
| Wps-A Health Solutions Company | January 1, 2026 | +15.0% (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | December 1, 2025 | +19.5% (unverified) |
| GPM Health And Life Insurance Company | December 1, 2025 | +28.0% (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | December 1, 2025 | +19.5% (unverified) |
| Erie Family Life Insurance Company | November 1, 2025 | +9.0% (unverified) |
| Mutual Of Omaha Insurance Company | October 15, 2025 | +29.0% (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | October 1, 2025 | +9.9% (unverified) |
| Farm Bureau Health Plans Member S Health Insurance Company | October 1, 2025 | 0.0% (unverified) |
| Lifeshield National Insurance Co. | October 1, 2025 | +9.0% (unverified) |
| American Benefit Life Insurance Company | October 1, 2025 | +10.0% (unverified) |
| State Farm Mutual Automobile Insurance Company | October 1, 2025 | +15.0% (unverified) |
| Aetna Health And Life Insurance Company | October 1, 2025 | +3.0% (unverified) |
| New Era Life Insurance Company | September 1, 2025 | +9.8% (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 Indiana
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.
Indiana: federal rules only. State rules change; confirm the current window with the Indiana insurance department or your SHIP counselor before you apply anywhere.