Maryland 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 Maryland insurance regulator and what those filings show about renewal increases.
What Plan N costs in Maryland
Plan N premiums in Maryland run from $131.57 to $612.14 per month across 19 carriers, for the quoted scenario described below. Figures marked unverified have not yet been matched to a filing.
| Carrier | Age | Rating method | Monthly premium |
|---|---|---|---|
| Humana (Humana Benefit Plan of Illinois, Inc.) | 65 | Attained age | $131.57/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $136.21/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $140.99/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $144.27/mo (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | 70 | Attained age | $147.99/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $154.00/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $154.24/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $156.83/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $160.26/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $160.56/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $162.43/mo (unverified) |
| Everence Association Inc | 65 | Attained age | $162.73/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $166.18/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $167.94/mo (unverified) |
| Aetna Health Insurance Company | 65 | Attained age | $168.52/mo (unverified) |
| Mutual Of Omaha Insurance Company | 65 | Attained age | $171.20/mo (unverified) |
| Carefirst Of Maryland, Inc. | 65 | Attained age | $173.62/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $175.31/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $175.84/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $175.88/mo (unverified) |
| Erie Family Life Insurance Company | 65 | Attained age | $176.24/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $184.62/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $188.16/mo (unverified) |
| Aetna Health Insurance Company | 70 | Attained age | $188.51/mo (unverified) |
| Mutual Of Omaha Insurance Company | 70 | Attained age | $188.64/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Attained age | $189.71/mo (unverified) |
| Everence Association Inc | 70 | Attained age | $195.04/mo (unverified) |
| Erie Family Life Insurance Company | 70 | Attained age | $195.58/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $203.07/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $206.87/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $214.00/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $216.07/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $216.40/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $216.85/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $217.48/mo (unverified) |
| Carefirst Of Maryland, Inc. | 65 | Attained age | $217.52/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $230.98/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $243.65/mo (unverified) |
| Carefirst Of Maryland, Inc. | 70 | Attained age | $255.52/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $258.52/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $295.00/mo (unverified) |
| Carefirst Of Maryland, Inc. | 65 | Attained age | $349.23/mo (unverified) |
| Carefirst Of Maryland, Inc. | 70 | Attained age | $220.00/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Attained age | $226.46/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $285.85/mo (unverified) |
| Carefirst Of Maryland, Inc. | 70 | Attained age | $397.60/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $612.14/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $612.14/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 | +19.9% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | August 1, 2026 | 0.0% (unverified) |
| Insurance Company Of North America | August 1, 2026 | +8.0% (unverified) |
| American Benefit Life Insurance Company | August 1, 2026 | +19.9% (unverified) |
| Guarantee Trust Life Insurance Company | August 1, 2026 | +7.9% (unverified) |
| Aetna Health Insurance Company | July 1, 2026 | +19.9% (unverified) |
| Mutual Of Omaha Insurance Company | June 15, 2026 | +19.9% (unverified) |
| State Farm Mutual Automobile Insurance Company | June 1, 2026 | +10.9% (unverified) |
| Erie Family Life Insurance Company | June 1, 2026 | +19.9% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +13.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +12.9% (unverified) |
| Everence Association Inc | April 1, 2026 | +15.7% (unverified) |
| United American Insurance Company | March 15, 2026 | +19.7% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | March 1, 2026 | +15.0% (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | February 1, 2026 | +19.9% (unverified) |
| Carefirst Of Maryland, Inc. | January 1, 2026 | 0.0% (unverified) |
| Wps-A Health Solutions Company | January 1, 2026 | +9.0% (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | December 1, 2025 | +19.9% (unverified) |
| GPM Health And Life Insurance Company | December 1, 2025 | +19.9% (unverified) |
| USAA Life Insurance Company | October 1, 2025 | +12.0% (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 Maryland
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.
Maryland: federal rules only. State rules change; confirm the current window with the Maryland insurance department or your SHIP counselor before you apply anywhere.