Nevada 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 Nevada insurance regulator and what those filings show about renewal increases.
What Plan N costs in Nevada
Plan N premiums in Nevada run from $126.88 to $635.35 per month across 18 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 Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $126.88/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $137.07/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 65 | Attained age | $140.56/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $143.65/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $149.77/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $152.11/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $152.66/mo (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | 65 | Attained age | $154.33/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $155.15/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $156.63/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $158.17/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Attained age | $158.49/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $159.85/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $161.08/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $164.05/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $166.46/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 65 | Attained age | $168.35/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $183.13/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $200.47/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 65 | Attained age | $210.84/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 70 | Attained age | $166.00/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $167.54/mo (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | 70 | Attained age | $173.60/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $175.10/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $175.53/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $179.23/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 70 | Attained age | $188.51/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Attained age | $189.16/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $201.34/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $202.54/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $218.87/mo (unverified) |
| Omaha Insurance Company | 65 | Attained age | $222.41/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $237.74/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 70 | Attained age | $249.00/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $252.40/mo (unverified) |
| (Anthem) Anthem Va/Nv | 65 | Attained age | $253.58/mo (unverified) |
| Omaha Insurance Company | 70 | Attained age | $258.74/mo (unverified) |
| (Anthem) Anthem Va/Nv | 70 | Attained age | $297.72/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $298.00/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $423.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $635.35/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $635.35/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 | The filing is on record but this figure is not in it. |
| Insurance Company Of North America | September 1, 2026 | The filing is on record but this figure is not in it. |
| American Benefit Life Insurance Company | September 1, 2026 | The filing is on record but this figure is not in it. |
| USAA Life Insurance Company | August 1, 2026 | The filing is on record but this figure is not in it. |
| 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 | The filing is on record but this figure is not in it. |
| Healthspring Insurance Company (F/K/A Cic) | 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 | The filing is on record but this figure is not in it. |
| Omaha Insurance Company | May 15, 2026 | The filing is on record but this figure is not in it. |
| Aflac, Underwritten By Tier One Insurance Company | April 1, 2026 | The filing is on record but this figure is not in it. |
| State Farm Mutual Automobile Insurance Company | March 1, 2026 | The filing is on record but this figure is not in it. |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | March 1, 2026 | The filing is on record but this figure is not in it. |
| Wps-A Health Solutions Company | January 1, 2026 | The filing is on record but this figure is not in it. |
| Guarantee Trust Life Insurance Company | January 1, 2026 | The filing is on record but this figure is not in it. |
| (Anthem) Anthem Va/Nv | January 1, 2026 | The filing is on record but this figure is not in it. |
| United American Insurance Company | January 1, 2026 | The filing is on record but this figure is not in it. |
| Humana (Humana Benefit Plan of Illinois, Inc.) | November 1, 2025 | The filing is on record but this figure is not in it. |
| GPM Health And Life Insurance Company | October 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.
Why there are no premiums on this page yet
We publish a premium or a rate increase only after we have found the carrier’s filing in the state’s public records and linked to it on the page. Until that check is done for this plan and state, we show you the structure of what we track and leave the numbers off. A number without a source is worse than no number.
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 Nevada
Established by Assembly Bill 250 and effective 1 January 2022. Existing Medigap enrollees get at least 60 days, starting the first day of their birthday month, to switch to a plan with the same or lesser benefits. Note the limit that matters most: it reaches carriers with open blocks of business, so it may not help you move out of a closed one.
Nevada: birthday rule — 60 days. State rules change; confirm the current window with the Nevada insurance department or your SHIP counselor before you apply anywhere.