Michigan 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 Michigan insurance regulator and what those filings show about renewal increases.
What Plan N costs in Michigan
Plan N premiums in Michigan run from $89.47 to $541.78 per month across 28 carriers, for the quoted scenario described below. Figures marked unverified have not yet been matched to a filing.
| Carrier | Age | Rating method | Monthly premium |
|---|---|---|---|
| Farm Bureau Health Plans Member S Health Insurance Company | 65 | Attained age | $89.47/mo (unverified) |
| Farm Bureau Health Plans Member S Health Insurance Company | 70 | Attained age | $101.28/mo (unverified) |
| Humana (Humana Insurance Company of Kentucky) | 65 | Attained age | $108.61/mo (unverified) |
| Silverscript Insurance Company | 65 | Attained age | $108.71/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $113.22/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $119.92/mo (unverified) |
| Humana (Humana Insurance Company of Kentucky) | 70 | Attained age | $121.00/mo (unverified) |
| Silverscript Insurance Company | 70 | Attained age | $121.53/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $122.33/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $123.99/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 65 | Attained age | $125.75/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $126.24/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $127.84/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $128.99/mo (unverified) |
| Medico Life And Health Insurance Company | 65 | Attained age | $130.45/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 70 | Attained age | $130.58/mo (unverified) |
| Medico Life And Health Insurance Company | 70 | Attained age | $131.76/mo (unverified) |
| Omaha Supplemental Insurance Company | 65 | Attained age | $135.85/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $138.38/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $139.30/mo (unverified) |
| Woodmenlife | 65 | Attained age | $139.64/mo (unverified) |
| Woodmenlife | 70 | Attained age | $142.77/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $143.40/mo (unverified) |
| Medico Life And Health Insurance Company | 65 | Attained age | $143.50/mo (unverified) |
| Medico Life And Health Insurance Company | 70 | Attained age | $144.94/mo (unverified) |
| Mclaren Health Plan Inc | 65 | Attained age | $145.11/mo (unverified) |
| Mclaren Health Plan Inc | 65 | Attained age | $145.11/mo (unverified) |
| Omaha Supplemental Insurance Company | 70 | Attained age | $148.08/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $148.24/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 65 | Attained age | $150.19/mo (unverified) |
| Bankers Fidelity Assurance Company | 65 | Attained age | $152.12/mo (unverified) |
| Everence Association Inc | 65 | Attained age | $153.28/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $154.46/mo (unverified) |
| Health Alliance Plan Of Michigan | 65 | Attained age | $155.00/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $159.02/mo (unverified) |
| Mclaren Health Plan Inc | 65 | Attained age | $159.62/mo (unverified) |
| Priority Health | 65 | Attained age | $160.21/mo (unverified) |
| Medico Life And Health Insurance Company | 65 | Attained age | $163.07/mo (unverified) |
| Medico Life And Health Insurance Company | 70 | Attained age | $164.70/mo (unverified) |
| Priority Health | 65 | Attained age | $165.08/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $166.51/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 70 | Attained age | $168.10/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $168.68/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $168.72/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $169.85/mo (unverified) |
| Bankers Fidelity Assurance Company | 70 | Attained age | $170.51/mo (unverified) |
| Blue Cross Blue Shield Of Michigan Mutual Insurance Company | 65 | Attained age | $172.78/mo (unverified) |
| Blue Cross Blue Shield Of Michigan Mutual Insurance Company | 65 | Attained age | $172.78/mo (unverified) |
| Mclaren Health Plan Inc | 70 | Attained age | $173.20/mo (unverified) |
| Mclaren Health Plan Inc | 70 | Attained age | $173.20/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $173.40/mo (unverified) |
| Bankers Fidelity Assurance Company | 65 | Attained age | $182.55/mo (unverified) |
| Everence Association Inc | 70 | Attained age | $183.66/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $184.21/mo (unverified) |
| Health Alliance Plan Of Michigan | 65 | Attained age | $194.00/mo (unverified) |
| Health Alliance Plan Of Michigan | 70 | Attained age | $190.00/mo (unverified) |
| Mclaren Health Plan Inc | 65 | Attained age | $195.89/mo (unverified) |
| Mclaren Health Plan Inc | 70 | Attained age | $190.52/mo (unverified) |
| Priority Health | 70 | Attained age | $197.27/mo (unverified) |
| Priority Health | 70 | Attained age | $203.27/mo (unverified) |
| Bankers Fidelity Assurance Company | 70 | Attained age | $204.62/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $205.34/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $215.10/mo (unverified) |
| Physicians Life Insurance Company | 65 | Attained age | $217.26/mo (unverified) |
| Blue Cross Blue Shield Of Michigan Mutual Insurance Company | 70 | Attained age | $228.38/mo (unverified) |
| Blue Cross Blue Shield Of Michigan Mutual Insurance Company | 70 | Attained age | $228.38/mo (unverified) |
| Mclaren Health Plan Inc | 70 | Attained age | $233.82/mo (unverified) |
| Physicians Life Insurance Company | 70 | Attained age | $234.41/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Attained age | $237.97/mo (unverified) |
| Health Alliance Plan Of Michigan | 70 | Attained age | $238.00/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $244.12/mo (unverified) |
| Priority Health | 65 | Attained age | $244.54/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $253.01/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $259.27/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $262.00/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Attained age | $275.92/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $282.40/mo (unverified) |
| Priority Health | 70 | Attained age | $301.10/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $312.25/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $334.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $541.78/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $541.78/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 |
|---|---|---|
| Medico Life And Health Insurance Company | September 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) |
| Lumos Insurance Company | August 1, 2026 | The filing is on record but this figure is not in it. |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | August 1, 2026 | +18.0% (unverified) |
| American Benefit Life Insurance Company | August 1, 2026 | +25.0% (unverified) |
| Humana (Humana Insurance Company of Kentucky) | July 1, 2026 | +20.8% (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | July 1, 2026 | +23.0% (unverified) |
| Physicians Life Insurance Company | July 1, 2026 | +29.0% (unverified) |
| Bankers Fidelity Assurance Company | June 4, 2026 | +4.9% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | June 1, 2026 | +3.5% (unverified) |
| USAA Life Insurance Company | June 1, 2026 | +8.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +17.7% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +17.6% (unverified) |
| Woodmenlife | May 1, 2026 | +10.0% (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | May 1, 2026 | +16.0% (unverified) |
| United American Insurance Company | May 1, 2026 | +19.9% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | April 1, 2026 | +10.0% (unverified) |
| Mclaren Health Plan Inc | April 1, 2026 | +14.7% (unverified) |
| Everence Association Inc | April 1, 2026 | +13.3% (unverified) |
| Blue Cross Blue Shield Of Michigan Mutual Insurance Company | April 1, 2026 | +20.1% (unverified) |
| Blue Cross Blue Shield Of Michigan Mutual Insurance Company | April 1, 2026 | +18.3% (unverified) |
| Silverscript Insurance Company | February 1, 2026 | +12.0% (unverified) |
| State Farm Mutual Automobile Insurance Company | January 1, 2026 | +10.0% (unverified) |
| Health Alliance Plan Of Michigan | January 1, 2026 | +15.4% (unverified) |
| Priority Health | January 1, 2026 | +20.0% (unverified) |
| Health Alliance Plan Of Michigan | January 1, 2026 | +15.2% (unverified) |
| Wps-A Health Solutions Company | January 1, 2026 | +9.0% (unverified) |
| Guarantee Trust Life Insurance Company | January 1, 2026 | +7.9% (unverified) |
| Omaha Supplemental Insurance Company | October 1, 2025 | +35.0% (unverified) |
| GPM Health And Life Insurance Company | September 1, 2025 | +20.0% (unverified) |
| Farm Bureau Health Plans Member S Health Insurance Company | June 1, 2025 | +4.5% (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 Michigan
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.
Michigan: federal rules only. State rules change; confirm the current window with the Michigan insurance department or your SHIP counselor before you apply anywhere.