Kentucky 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 Kentucky insurance regulator and what those filings show about renewal increases.
What Plan N costs in Kentucky
Plan N premiums in Kentucky run from $109.49 to $511.77 per month across 24 carriers, for the quoted scenario described below. Figures marked unverified have not yet been matched to a filing.
| Carrier | Age | Rating method | Monthly premium |
|---|---|---|---|
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $109.49/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $114.87/mo (unverified) |
| Bankers Fidelity Assurance Company | 65 | Attained age | $116.25/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $118.92/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $119.53/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 65 | Attained age | $124.63/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $125.41/mo (unverified) |
| Bankers Fidelity Assurance Company | 70 | Attained age | $126.66/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $127.42/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $127.50/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $127.67/mo (unverified) |
| Erie Family Life Insurance Company | 65 | Attained age | $128.02/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 70 | Attained age | $129.42/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $130.55/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $131.25/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $132.58/mo (unverified) |
| Woodmenlife | 65 | Attained age | $133.97/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $134.83/mo (unverified) |
| Aetna Health And Life Insurance Company | 65 | Attained age | $135.45/mo (unverified) |
| Woodmenlife | 70 | Attained age | $136.99/mo (unverified) |
| Bankers Fidelity Assurance Company | 65 | Attained age | $139.50/mo (unverified) |
| Erie Family Life Insurance Company | 70 | Attained age | $141.98/mo (unverified) |
| Globe Life And Accident Insurance Company | 65 | Attained age | $142.00/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $143.27/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $145.01/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $146.12/mo (unverified) |
| United World Life Insurance Company | 65 | Attained age | $149.55/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $149.59/mo (unverified) |
| Bankers Fidelity Assurance Company | 70 | Attained age | $151.99/mo (unverified) |
| Medico Corp Life Insurance Company | 65 | Attained age | $153.87/mo (unverified) |
| Humana (CHA HMO, Inc.) | 65 | Attained age | $154.82/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Attained age | $155.49/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $157.37/mo (unverified) |
| Aetna Health And Life Insurance Company | 70 | Attained age | $158.85/mo (unverified) |
| Globe Life And Accident Insurance Company | 70 | Attained age | $159.00/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $161.58/mo (unverified) |
| United World Life Insurance Company | 70 | Attained age | $162.98/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $164.77/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $169.25/mo (unverified) |
| Medico Corp Life Insurance Company | 65 | Attained age | $169.25/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $171.53/mo (unverified) |
| Medico Corp Life Insurance Company | 65 | Attained age | $192.33/mo (unverified) |
| Medico Corp Life Insurance Company | 70 | Attained age | $169.88/mo (unverified) |
| Humana (CHA HMO, Inc.) | 70 | Attained age | $170.48/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Attained age | $185.58/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $186.10/mo (unverified) |
| Medico Corp Life Insurance Company | 70 | Attained age | $186.87/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $190.40/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $196.50/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $202.24/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $203.20/mo (unverified) |
| (Anthem) Anthem Health Plans Of Kentucky, Inc. | 65 | Attained age | $204.85/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $208.70/mo (unverified) |
| Medico Corp Life Insurance Company | 70 | Attained age | $212.35/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $224.39/mo (unverified) |
| (Anthem) Anthem Health Plans Of Kentucky, Inc. | 70 | Attained age | $244.86/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $292.00/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $362.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $511.77/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $511.77/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 | +17.0% (unverified) |
| Lifeshield National Insurance Co. | September 1, 2026 | +25.0% (unverified) |
| Humana (CHA HMO, Inc.) | September 1, 2026 | +29.0% (unverified) |
| Lumos Insurance Company | August 1, 2026 | The filing is on record but this figure is not in it. |
| Insurance Company Of North America | August 1, 2026 | +17.0% (unverified) |
| United American Insurance Company | August 1, 2026 | +15.0% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | June 12, 2026 | +8.5% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +18.1% (unverified) |
| USAA Life Insurance Company | June 1, 2026 | +15.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +18.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | May 1, 2026 | +10.0% (unverified) |
| Aetna Health And Life Insurance Company | May 1, 2026 | +20.0% (unverified) |
| United World Life Insurance Company | April 15, 2026 | +8.3% (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | April 1, 2026 | +25.0% (unverified) |
| Erie Family Life Insurance Company | April 1, 2026 | +15.0% (unverified) |
| Globe Life And Accident Insurance Company | April 1, 2026 | +20.1% (unverified) |
| Medico Corp Life Insurance Company | February 1, 2026 | +24.3% (unverified) |
| Woodmenlife | January 15, 2026 | +25.0% (unverified) |
| Bankers Fidelity Assurance Company | January 1, 2026 | +11.9% (unverified) |
| State Farm Mutual Automobile Insurance Company | January 1, 2026 | +7.5% (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | January 1, 2026 | +25.0% (unverified) |
| Wps-A Health Solutions Company | January 1, 2026 | +9.0% (unverified) |
| Guarantee Trust Life Insurance Company | January 1, 2026 | +9.9% (unverified) |
| (Anthem) Anthem Health Plans Of Kentucky, Inc. | January 1, 2026 | +12.6% (unverified) |
| GPM Health And Life Insurance Company | November 1, 2025 | +30.0% (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 Kentucky
Kentucky runs a birthday rule, not an anniversary rule. Applicants get an annual open enrollment period within 60 days of their birthday in which to switch insurers for the plan they already hold, with guaranteed issue and no pricing based on health status.
Kentucky: birthday rule — 60 days. State rules change; confirm the current window with the Kentucky insurance department or your SHIP counselor before you apply anywhere.