North Carolina Plan G rate history
The most comprehensive plan still open to new enrollees. This page tracks what Plan G carriers have filed with the North Carolina insurance regulator and what those filings show about renewal increases.
What Plan G costs in North Carolina
Plan G premiums in North Carolina run from $114.97 to $560.12 per month across 30 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 | $114.97/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Attained age | $120.79/mo (unverified) |
| Nassau Life Insurance Company | 65 | Attained age | $131.54/mo (unverified) |
| Physicians Mutual Insurance Company | 65 | Attained age | $133.71/mo (unverified) |
| Nassau Life Insurance Company | 70 | Attained age | $138.32/mo (unverified) |
| Old Surety Life Ins Co | 65 | Issue age | $141.61/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 65 | Attained age | $143.35/mo (unverified) |
| Old Surety Life Ins Co | 70 | Issue age | $144.55/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $147.67/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $148.31/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $148.92/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 65 | Attained age | $149.50/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $150.50/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Attained age | $150.61/mo (unverified) |
| Woodmenlife | 65 | Attained age | $152.66/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 70 | Attained age | $152.88/mo (unverified) |
| Physicians Mutual Insurance Company | 70 | Attained age | $153.51/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $153.59/mo (unverified) |
| Erie Family Life Insurance Company | 65 | Attained age | $154.71/mo (unverified) |
| Woodmenlife | 70 | Attained age | $154.88/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $155.09/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $155.43/mo (unverified) |
| Globe Life And Accident Insurance Company | 65 | Attained age | $156.00/mo (unverified) |
| Medico Insurance Company | 65 | Attained age | $156.81/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $156.87/mo (unverified) |
| Medico Insurance Company | 70 | Attained age | $158.38/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $159.85/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $163.34/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $163.67/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $165.44/mo (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | 65 | Attained age | $167.63/mo (unverified) |
| Medico Insurance Company | 65 | Attained age | $172.49/mo (unverified) |
| New Era Life Insurance Company Of The Midwest | 65 | Attained age | $172.80/mo (unverified) |
| Erie Family Life Insurance Company | 70 | Attained age | $173.81/mo (unverified) |
| Medico Insurance Company | 70 | Attained age | $174.22/mo (unverified) |
| Manhattanlife Insurance And Annuity Company | 65 | Attained age | $174.42/mo (unverified) |
| Globe Life And Accident Insurance Company | 70 | Attained age | $175.00/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $177.14/mo (unverified) |
| Blue Cross And Blue Shield Of North Carolina | 65 | Attained age | $179.50/mo (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | 70 | Attained age | $179.63/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 65 | Community rated | $180.95/mo (unverified) |
| Aetna Health Insurance Company | 65 | Attained age | $181.01/mo (unverified) |
| New Era Life Insurance Company Of The Midwest | 70 | Attained age | $181.10/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $181.91/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $184.28/mo (unverified) |
| Omaha Insurance Company | 65 | Attained age | $184.64/mo (unverified) |
| Manhattanlife Insurance And Annuity Company | 70 | Attained age | $186.67/mo (unverified) |
| Heartland National Life Insurance Company | 65 | Attained age | $189.55/mo (unverified) |
| Heartland National Life Insurance Company | 70 | Attained age | $189.55/mo (unverified) |
| Aetna Health Insurance Company | 70 | Attained age | $192.01/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 65 | Attained age | $192.48/mo (unverified) |
| Medico Insurance Company | 65 | Attained age | $196.01/mo (unverified) |
| Omaha Insurance Company | 70 | Attained age | $196.93/mo (unverified) |
| Medico Insurance Company | 70 | Attained age | $197.98/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $198.73/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 70 | Attained age | $199.13/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 70 | Community rated | $201.13/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $201.65/mo (unverified) |
| Physicians Mutual Insurance Company | 65 | Attained age | $209.40/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $211.21/mo (unverified) |
| Blue Cross And Blue Shield Of North Carolina | 70 | Attained age | $212.50/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $217.26/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 65 | Attained age | $224.25/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 70 | Attained age | $229.32/mo (unverified) |
| Physicians Mutual Insurance Company | 70 | Attained age | $240.41/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $260.75/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $271.87/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $282.65/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $299.87/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $310.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $310.65/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $315.20/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $346.90/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $392.00/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 65 | Community rated | $504.63/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 70 | Community rated | $560.12/mo (unverified) |
| Medico Corp Life Insurance Company | 65 | Attained age | The filing is on record but this figure is not in it. |
| Medico Corp Life Insurance Company | 70 | Attained age | The filing is on record but this figure is not in it. |
Filed rate actions
A rate action is the increase a carrier asked the state to approve on an existing block of Plan G 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 Insurance Company | September 1, 2026 | +8.5% (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | August 1, 2026 | +12.9% (unverified) |
| Physicians Mutual Insurance Company | August 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. |
| American Benefit Life Insurance Company | August 1, 2026 | +14.0% (unverified) |
| Lifeshield National Insurance Co. | July 1, 2026 | +20.0% (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | July 1, 2026 | +30.0% (unverified) |
| Old Surety Life Ins Co | June 1, 2026 | +15.0% (unverified) |
| Erie Family Life Insurance Company | June 1, 2026 | +17.0% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | June 1, 2026 | +24.4% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +12.6% (unverified) |
| New Era Life Insurance Company Of The Midwest | June 1, 2026 | +20.0% (unverified) |
| Blue Cross And Blue Shield Of North Carolina | June 1, 2026 | +19.4% (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | June 1, 2026 | +30.7% (unverified) |
| Aetna Health Insurance Company | June 1, 2026 | +20.0% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | June 1, 2026 | +24.5% (unverified) |
| Guarantee Trust Life Insurance Company | June 1, 2026 | +16.9% (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | June 1, 2026 | +30.2% (unverified) |
| Omaha Insurance Company | May 1, 2026 | +20.0% (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | April 1, 2026 | +15.0% (unverified) |
| Globe Life And Accident Insurance Company | April 1, 2026 | +19.9% (unverified) |
| United American Insurance Company | April 1, 2026 | +15.2% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | March 1, 2026 | +15.0% (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | March 1, 2026 | +25.0% (unverified) |
| Manhattanlife Insurance And Annuity Company | March 1, 2026 | +24.0% (unverified) |
| State Farm Mutual Automobile Insurance Company | March 1, 2026 | +15.5% (unverified) |
| USAA Life Insurance Company | February 1, 2026 | +12.0% (unverified) |
| Woodmenlife | January 15, 2026 | +15.0% (unverified) |
| GPM Health And Life Insurance Company | January 1, 2026 | +20.0% (unverified) |
| Nassau Life Insurance Company | November 1, 2025 | +14.0% (unverified) |
| Heartland National Life Insurance Company | November 1, 2025 | +30.0% (unverified) |
| Medico Corp Life Insurance Company | August 1, 2020 | +13.0% (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 G covers
Plan G covers everything Plan F covers except the Part B deductible, which you pay once a year. It is the plan most people compare first, and the one with the deepest, most competitive set of filings in nearly every state — which is what makes its rate history the clearest read on how a carrier behaves over time.
With Plan G, you still pay:
- The Part B annual deductible
Benefits are standardized by federal law, so Plan G from one carrier pays the same claims as Plan G from another. Price, rate-increase history and service are what differ. That is the whole argument for reading filings.
Switching Plan G carriers in North Carolina
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.
North Carolina: federal rules only. State rules change; confirm the current window with the North Carolina insurance department or your SHIP counselor before you apply anywhere.