Mississippi 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 Mississippi insurance regulator and what those filings show about renewal increases.
What Plan N costs in Mississippi
Plan N premiums in Mississippi run from $81.60 to $527.92 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 |
|---|---|---|---|
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 65 | Attained age | $81.60/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $87.20/mo (unverified) |
| Universal Fidelity Life Insurance Company | 65 | Attained age | $87.99/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $88.88/mo (unverified) |
| Universal Fidelity Life Insurance Company | 70 | Attained age | $93.20/mo (unverified) |
| New Era Life Insurance Company Of The Midwest | 65 | Attained age | $96.39/mo (unverified) |
| Nassau Life Insurance Company | 65 | Attained age | $97.96/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $100.43/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $100.73/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 65 | Attained age | $102.85/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Attained age | $85.73/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $103.07/mo (unverified) |
| New Era Life Insurance Company Of The Midwest | 70 | Attained age | $104.40/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $104.50/mo (unverified) |
| Nassau Life Insurance Company | 70 | Attained age | $104.80/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $107.75/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Attained age | $108.05/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $109.64/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $109.97/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $113.11/mo (unverified) |
| Woodmenlife | 65 | Attained age | $114.94/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 65 | Community rated | $115.90/mo (unverified) |
| Woodmenlife | 70 | Attained age | $117.53/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $118.80/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $121.45/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 65 | Attained age | $121.87/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 70 | Community rated | $128.98/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 65 | Attained age | $131.16/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $132.13/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $133.55/mo (unverified) |
| Humana (Emphesys Insurance Company) | 65 | Attained age | $133.57/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 70 | Attained age | $136.22/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 70 | Attained age | $136.45/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $144.08/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $146.43/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $147.68/mo (unverified) |
| Humana (Emphesys Insurance Company) | 70 | Attained age | $148.80/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $153.33/mo (unverified) |
| United World Life Insurance Company | 65 | Attained age | $155.15/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $157.08/mo (unverified) |
| United World Life Insurance Company | 70 | Attained age | $162.61/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $176.12/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $176.21/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $182.17/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $183.43/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $189.06/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $193.64/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $198.19/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $200.27/mo (unverified) |
| Physicians Mutual Insurance Company | 65 | Attained age | $203.54/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $212.70/mo (unverified) |
| Physicians Mutual Insurance Company | 70 | Attained age | $233.68/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $262.00/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $339.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $482.72/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $482.72/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 65 | Community rated | $527.92/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 70 | Community rated | $527.92/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 | +18.8% (unverified) |
| Lumos Insurance Company | August 1, 2026 | The filing is on record but this figure is not in it. |
| Bankers Life (Underwritten By Washington National Insurance Company) | July 1, 2026 | +6.0% (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | July 1, 2026 | +14.0% (unverified) |
| United World Life Insurance Company | July 1, 2026 | +12.0% (unverified) |
| USAA Life Insurance Company | July 1, 2026 | +8.0% (unverified) |
| Physicians Mutual Insurance Company | July 1, 2026 | The filing is on record but this figure is not in it. |
| New Era Life Insurance Company Of The Midwest | June 1, 2026 | +17.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | June 1, 2026 | +10.0% (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | June 1, 2026 | +20.6% (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | June 1, 2026 | +18.0% (unverified) |
| Humana (Emphesys Insurance Company) | June 1, 2026 | +20.1% (unverified) |
| State Farm Mutual Automobile Insurance Company | June 1, 2026 | +15.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +15.7% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +15.6% (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | June 1, 2026 | +20.2% (unverified) |
| GPM Health And Life Insurance Company | May 1, 2026 | +20.1% (unverified) |
| United American Insurance Company | May 1, 2026 | +17.6% (unverified) |
| Woodmenlife | April 15, 2026 | +18.9% (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | March 1, 2026 | +18.0% (unverified) |
| Guarantee Trust Life Insurance Company | February 1, 2026 | +10.1% (unverified) |
| Universal Fidelity Life Insurance Company | January 1, 2026 | 0.0% (unverified) |
| Nassau Life Insurance Company | October 1, 2025 | +12.0% (unverified) |
| American Benefit Life Insurance Company | October 1, 2025 | +17.9% (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | September 1, 2025 | +4.9% (unverified) |
| Insurance Company Of North America | July 1, 2025 | The filing is on record but this figure is not in it. |
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 Mississippi
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.
Mississippi: federal rules only. State rules change; confirm the current window with the Mississippi insurance department or your SHIP counselor before you apply anywhere.