Louisiana 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 Louisiana insurance regulator and what those filings show about renewal increases.
What Plan N costs in Louisiana
Plan N premiums in Louisiana run from $100.00 to $403.00 per month across 23 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 Assurance Company | 65 | Attained age | $100.00/mo (unverified) |
| Philadelphia American Life Insurance Company | 65 | Attained age | $112.54/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $113.99/mo (unverified) |
| Philadelphia American Life Insurance Company | 70 | Attained age | $118.16/mo (unverified) |
| Bankers Fidelity Assurance Company | 65 | Attained age | $125.00/mo (unverified) |
| Bankers Fidelity Assurance Company | 70 | Attained age | $105.07/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $128.64/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $129.28/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $131.22/mo (unverified) |
| Bankers Fidelity Assurance Company | 70 | Attained age | $131.33/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $132.45/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 65 | Attained age | $133.17/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $133.21/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $134.08/mo (unverified) |
| Woodmenlife | 65 | Attained age | $134.56/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $136.58/mo (unverified) |
| Woodmenlife | 70 | Attained age | $137.58/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $139.40/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $140.73/mo (unverified) |
| Louisiana Health Service And Indemnity Company | 65 | Attained age | $142.90/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $143.55/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $144.01/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 70 | Attained age | $144.14/mo (unverified) |
| Nassau Life Insurance Company | 65 | Attained age | $148.68/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 65 | Attained age | $150.67/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 70 | Attained age | $156.47/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $156.73/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Attained age | $157.36/mo (unverified) |
| Omaha Insurance Company | 65 | Attained age | $157.80/mo (unverified) |
| Nassau Life Insurance Company | 70 | Attained age | $159.05/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $163.29/mo (unverified) |
| Humana Insurance Company | 65 | Attained age | $166.73/mo (unverified) |
| Omaha Insurance Company | 70 | Attained age | $169.14/mo (unverified) |
| Louisiana Health Service And Indemnity Company | 70 | Attained age | $169.40/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $170.17/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $170.98/mo (unverified) |
| Medico Life And Health Insurance Company | 65 | Attained age | $172.14/mo (unverified) |
| Aetna Health Insurance Company | 65 | Attained age | $174.26/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $175.05/mo (unverified) |
| Humana Insurance Company | 70 | Attained age | $185.89/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Attained age | $187.84/mo (unverified) |
| Medico Life And Health Insurance Company | 65 | Attained age | $189.36/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $192.46/mo (unverified) |
| Aetna Health Insurance Company | 70 | Attained age | $195.09/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $198.90/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 65 | Attained age | $199.76/mo (unverified) |
| Medico Life And Health Insurance Company | 65 | Attained age | $215.18/mo (unverified) |
| Medico Life And Health Insurance Company | 70 | Attained age | $173.87/mo (unverified) |
| Medico Life And Health Insurance Company | 70 | Attained age | $191.26/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $210.86/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 70 | Attained age | $216.21/mo (unverified) |
| Medico Life And Health Insurance Company | 70 | Attained age | $217.34/mo (unverified) |
| Physicians Mutual Insurance Company | 65 | Attained age | $228.15/mo (unverified) |
| Physicians Mutual Insurance Company | 70 | Attained age | $261.94/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $312.00/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $403.00/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 |
|---|---|---|
| Lifeshield National Insurance Co. | September 1, 2026 | +9.0% (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | September 1, 2026 | +15.0% (unverified) |
| Insurance Company Of North America | September 1, 2026 | +17.0% (unverified) |
| Nassau Life Insurance Company | September 1, 2026 | +18.0% (unverified) |
| Lumos Insurance Company | August 1, 2026 | The filing is on record but this figure is not in it. |
| American Benefit Life Insurance Company | August 1, 2026 | +15.0% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | July 1, 2026 | +9.9% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | July 1, 2026 | +10.0% (unverified) |
| USAA Life Insurance Company | July 1, 2026 | +15.0% (unverified) |
| Physicians Mutual Insurance Company | July 1, 2026 | The filing is on record but this figure is not in it. |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +13.1% (unverified) |
| Louisiana Health Service And Indemnity Company | May 1, 2026 | +17.0% (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | May 1, 2026 | +25.0% (unverified) |
| Medico Life And Health Insurance Company | May 1, 2026 | The filing is on record but this figure is not in it. |
| Aflac, Underwritten By Tier One Insurance Company | April 1, 2026 | +8.0% (unverified) |
| Aetna Health Insurance Company | April 1, 2026 | +19.0% (unverified) |
| Bankers Fidelity Assurance Company | March 1, 2026 | +8.9% (unverified) |
| United American Insurance Company | March 1, 2026 | +20.0% (unverified) |
| Woodmenlife | February 1, 2026 | +15.0% (unverified) |
| Wps-A Health Solutions Company | January 1, 2026 | +9.0% (unverified) |
| Humana Insurance Company | January 1, 2026 | +15.0% (unverified) |
| Philadelphia American Life Insurance Company | November 1, 2025 | +7.0% (unverified) |
| Omaha Insurance Company | October 15, 2025 | +25.0% (unverified) |
| State Farm Mutual Automobile Insurance Company | October 1, 2025 | +15.0% (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 Louisiana
Existing policyholders get an annual 63-calendar-day open enrollment window beginning on their birthday. Confirm the benefit limits that apply with the department before relying on the width of it.
Louisiana: birthday rule — 63 days. State rules change; confirm the current window with the Louisiana insurance department or your SHIP counselor before you apply anywhere.