Maine 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 Maine insurance regulator and what those filings show about renewal increases.
What Plan N costs in Maine
Plan N premiums in Maine run from $204.14 to $291.16 per month across 10 carriers, for the quoted scenario described below. Figures marked unverified have not yet been matched to a filing.
| Carrier | Age | Rating method | Monthly premium |
|---|---|---|---|
| Medco Containment Life Insurance Company (Cigna) | 65 | Community rated | $204.14/mo (unverified) |
| Medco Containment Life Insurance Company (Cigna) | 70 | Community rated | $204.14/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Community rated | $215.73/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Community rated | $215.73/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Community rated | $217.84/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Community rated | $217.84/mo (unverified) |
| Insurance Company Of North America | 65 | Community rated | $220.33/mo (unverified) |
| Insurance Company Of North America | 70 | Community rated | $220.33/mo (unverified) |
| USAA Life Insurance Company | 65 | Community rated | $220.49/mo (unverified) |
| USAA Life Insurance Company | 70 | Community rated | $220.49/mo (unverified) |
| (Anthem) Anthem Health Plans Of Maine, Inc. | 65 | Community rated | $220.67/mo (unverified) |
| (Anthem) Anthem Health Plans Of Maine, Inc. | 70 | Community rated | $220.67/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $237.50/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $237.50/mo (unverified) |
| Harvard Pilgrim Health Care, Inc. | 65 | Community rated | $273.00/mo (unverified) |
| Harvard Pilgrim Health Care, Inc. | 70 | Community rated | $273.00/mo (unverified) |
| United American Insurance Company | 65 | Community rated | $277.00/mo (unverified) |
| United American Insurance Company | 70 | Community rated | $277.00/mo (unverified) |
| Humana Insurance Company | 65 | Community rated | $291.16/mo (unverified) |
| Humana Insurance Company | 70 | Community rated | $291.16/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 | August 1, 2026 | +12.0% (unverified) |
| USAA Life Insurance Company | July 1, 2026 | +15.0% (unverified) |
| Humana Insurance Company | July 1, 2026 | +9.0% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | June 8, 2026 | +9.9% (unverified) |
| Medco Containment Life Insurance Company (Cigna) | June 1, 2026 | +8.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +17.7% (unverified) |
| United American Insurance Company | April 1, 2026 | +14.9% (unverified) |
| State Farm Mutual Automobile Insurance Company | January 1, 2026 | +7.5% (unverified) |
| (Anthem) Anthem Health Plans Of Maine, Inc. | January 1, 2026 | +12.6% (unverified) |
| Harvard Pilgrim Health Care, Inc. | January 1, 2026 | +19.7% (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 Maine
Commonly described elsewhere as year-round guaranteed issue, which is not what the rule says. Each insurer must designate one month a year in which it will accept any applicant for Plan A. The insurer chooses the month, and it is not required to offer any other plan during it — so check the month and the plan before counting on this.
Maine: one designated month a year, plan a. State rules change; confirm the current window with the Maine insurance department or your SHIP counselor before you apply anywhere.