Iowa 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 Iowa insurance regulator and what those filings show about renewal increases.
What Plan N costs in Iowa
Plan N premiums in Iowa run from $95.26 to $454.47 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 |
|---|---|---|---|
| GPM Health And Life Insurance Company | 65 | Attained age | $95.26/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $101.67/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $103.67/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $105.07/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $105.12/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $105.75/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $106.81/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $107.73/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $108.63/mo (unverified) |
| Nassau Life Insurance Company | 65 | Attained age | $114.06/mo (unverified) |
| Pekin Life Insurance Company | 65 | Attained age | $114.98/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $115.30/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $117.61/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $117.67/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $118.04/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $121.62/mo (unverified) |
| Nassau Life Insurance Company | 70 | Attained age | $122.02/mo (unverified) |
| Bankers Fidelity Assurance Company | 65 | Attained age | $122.21/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 65 | Attained age | $124.66/mo (unverified) |
| Medico Corp Life Insurance Company | 65 | Attained age | $127.68/mo (unverified) |
| Everence Association Inc | 65 | Attained age | $128.17/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $128.48/mo (unverified) |
| Medico Corp Life Insurance Company | 70 | Attained age | $128.95/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 70 | Attained age | $129.45/mo (unverified) |
| Medica Health Plans | 65 | Attained age | $130.69/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $133.88/mo (unverified) |
| Medica Health Plans | 70 | Attained age | $136.96/mo (unverified) |
| Bankers Fidelity Assurance Company | 70 | Attained age | $137.39/mo (unverified) |
| Heartland National Life Insurance Company | 65 | Attained age | $137.72/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $139.83/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $140.18/mo (unverified) |
| Medico Corp Life Insurance Company | 65 | Attained age | $140.44/mo (unverified) |
| Wellmark, Inc. | 65 | Attained age | $140.50/mo (unverified) |
| United Of Omaha Life Insurance Company | 65 | Attained age | $141.29/mo (unverified) |
| Medico Corp Life Insurance Company | 70 | Attained age | $141.85/mo (unverified) |
| Aetna Health Insurance Company | 65 | Attained age | $142.61/mo (unverified) |
| Heartland National Life Insurance Company | 70 | Attained age | $143.87/mo (unverified) |
| Bankers Fidelity Assurance Company | 65 | Attained age | $146.65/mo (unverified) |
| Pekin Life Insurance Company | 70 | Attained age | $151.37/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $152.50/mo (unverified) |
| Everence Association Inc | 70 | Attained age | $153.61/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Attained age | $155.94/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $157.91/mo (unverified) |
| Aetna Health Insurance Company | 70 | Attained age | $159.52/mo (unverified) |
| Medico Corp Life Insurance Company | 65 | Attained age | $159.59/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $160.22/mo (unverified) |
| Medico Corp Life Insurance Company | 70 | Attained age | $161.19/mo (unverified) |
| Wellmark, Inc. | 70 | Attained age | $163.20/mo (unverified) |
| Bankers Fidelity Assurance Company | 70 | Attained age | $164.87/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $170.94/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $171.87/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $172.81/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $175.35/mo (unverified) |
| United Of Omaha Life Insurance Company | 70 | Attained age | $176.91/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Attained age | $195.31/mo (unverified) |
| Wellmark, Inc. | 65 | Attained age | $196.50/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $202.30/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $213.15/mo (unverified) |
| Humana Insurance Company | 65 | Attained age | $219.95/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $226.44/mo (unverified) |
| Wellmark, Inc. | 70 | Attained age | $228.30/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $248.00/mo (unverified) |
| Humana Insurance Company | 70 | Attained age | $260.01/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $321.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $454.47/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $454.47/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 |
|---|---|---|
| Heartland National Life Insurance Company | September 1, 2026 | +25.0% (unverified) |
| United Of Omaha Life Insurance Company | August 28, 2026 | The filing is on record but this figure is not in it. |
| Insurance Company Of North America | August 1, 2026 | +17.0% (unverified) |
| American Benefit Life Insurance Company | August 1, 2026 | +22.5% (unverified) |
| Lumos Insurance Company | August 1, 2026 | The filing is on record but this figure is not in it. |
| Medico Corp Life Insurance Company | August 1, 2026 | -40.5% (unverified) |
| United American Insurance Company | August 1, 2026 | +14.8% (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | July 1, 2026 | +8.0% (unverified) |
| Nassau Life Insurance Company | July 1, 2026 | +23.0% (unverified) |
| Lifeshield National Insurance Co. | June 1, 2026 | +20.0% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | June 1, 2026 | +9.9% (unverified) |
| Medica Health Plans | June 1, 2026 | +24.9% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +19.8% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +19.6% (unverified) |
| Pekin Life Insurance Company | May 1, 2026 | +9.0% (unverified) |
| USAA Life Insurance Company | May 1, 2026 | +15.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | April 1, 2026 | +20.0% (unverified) |
| Everence Association Inc | April 1, 2026 | +15.7% (unverified) |
| Aetna Health Insurance Company | April 1, 2026 | +19.9% (unverified) |
| Bankers Fidelity Assurance Company | March 1, 2026 | +6.9% (unverified) |
| Guarantee Trust Life Insurance Company | March 1, 2026 | +16.9% (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | January 1, 2026 | +24.9% (unverified) |
| State Farm Mutual Automobile Insurance Company | January 1, 2026 | +12.8% (unverified) |
| Wellmark, Inc. | January 1, 2026 | +3.6% (unverified) |
| Wps-A Health Solutions Company | January 1, 2026 | +15.0% (unverified) |
| Humana Insurance Company | January 1, 2026 | +14.0% (unverified) |
| GPM Health And Life Insurance Company | October 1, 2025 | +30.6% (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 Iowa
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.
Iowa: federal rules only. State rules change; confirm the current window with the Iowa insurance department or your SHIP counselor before you apply anywhere.