North Carolina 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 North Carolina insurance regulator and what those filings show about renewal increases.
What Plan N costs in North Carolina
Plan N premiums in North Carolina run from $88.67 to $484.91 per month across 29 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 | $88.67/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $95.18/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $97.50/mo (unverified) |
| Nassau Life Insurance Company | 65 | Attained age | $97.71/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 65 | Attained age | $98.83/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $99.58/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $101.65/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 70 | Attained age | $102.63/mo (unverified) |
| Nassau Life Insurance Company | 70 | Attained age | $104.52/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $106.72/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 65 | Attained age | $109.13/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $109.88/mo (unverified) |
| Woodmenlife | 65 | Attained age | $110.44/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 65 | Attained age | $110.48/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Attained age | $93.15/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $110.79/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $111.32/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 70 | Attained age | $111.59/mo (unverified) |
| Woodmenlife | 70 | Attained age | $112.92/mo (unverified) |
| Medico Insurance Company | 65 | Attained age | $115.12/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Attained age | $116.07/mo (unverified) |
| Medico Insurance Company | 70 | Attained age | $116.27/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $117.50/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $117.51/mo (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | 65 | Attained age | $118.93/mo (unverified) |
| Omaha Insurance Company | 65 | Attained age | $118.93/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $121.59/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $123.08/mo (unverified) |
| Aetna Health Insurance Company | 65 | Attained age | $124.53/mo (unverified) |
| Manhattanlife Insurance And Annuity Company | 65 | Attained age | $124.75/mo (unverified) |
| Medico Insurance Company | 65 | Attained age | $126.63/mo (unverified) |
| New Era Life Insurance Company Of The Midwest | 65 | Attained age | $126.95/mo (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | 70 | Attained age | $127.44/mo (unverified) |
| Medico Insurance Company | 70 | Attained age | $127.90/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $128.29/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $128.39/mo (unverified) |
| Erie Family Life Insurance Company | 65 | Attained age | $128.40/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 65 | Community rated | $130.81/mo (unverified) |
| Omaha Insurance Company | 70 | Attained age | $131.98/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $134.39/mo (unverified) |
| Globe Life And Accident Insurance Company | 65 | Attained age | $135.00/mo (unverified) |
| Manhattanlife Insurance And Annuity Company | 70 | Attained age | $136.08/mo (unverified) |
| New Era Life Insurance Company Of The Midwest | 70 | Attained age | $137.68/mo (unverified) |
| Aetna Health Insurance Company | 70 | Attained age | $139.44/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $141.98/mo (unverified) |
| Erie Family Life Insurance Company | 70 | Attained age | $142.49/mo (unverified) |
| Medico Insurance Company | 65 | Attained age | $143.90/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $144.33/mo (unverified) |
| Medico Insurance Company | 70 | Attained age | $145.34/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 70 | Community rated | $145.51/mo (unverified) |
| Heartland National Life Insurance Company | 65 | Attained age | $149.16/mo (unverified) |
| Blue Cross And Blue Shield Of North Carolina | 65 | Attained age | $150.75/mo (unverified) |
| Globe Life And Accident Insurance Company | 70 | Attained age | $151.00/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $151.96/mo (unverified) |
| Heartland National Life Insurance Company | 70 | Attained age | $155.81/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $156.60/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 65 | Attained age | $163.69/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $164.05/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 70 | Attained age | $167.39/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $167.96/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $172.20/mo (unverified) |
| Blue Cross And Blue Shield Of North Carolina | 70 | Attained age | $179.50/mo (unverified) |
| Physicians Mutual Insurance Company | 65 | Attained age | $194.08/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $203.86/mo (unverified) |
| Physicians Mutual Insurance Company | 70 | Attained age | $222.80/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $224.37/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $267.62/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $294.14/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $314.00/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $303.00/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $401.00/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 65 | Community rated | $436.82/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 70 | Community rated | $484.91/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 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 Insurance Company | September 1, 2026 | +3.7% (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | August 1, 2026 | +12.9% (unverified) |
| Insurance Company Of North America | August 1, 2026 | +12.0% (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) |
| Physicians Mutual Insurance Company | August 1, 2026 | The filing is on record but this figure is not in it. |
| Humana Achieve (CompBenefits Insurance Company) | July 1, 2026 | +8.0% (unverified) |
| Lifeshield National Insurance Co. | July 1, 2026 | +20.0% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | June 1, 2026 | -0.6% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | June 1, 2026 | -0.5% (unverified) |
| Aetna Health Insurance Company | June 1, 2026 | +20.0% (unverified) |
| New Era Life Insurance Company Of The Midwest | June 1, 2026 | +12.0% (unverified) |
| Erie Family Life Insurance Company | June 1, 2026 | +17.0% (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | June 1, 2026 | +30.9% (unverified) |
| Blue Cross And Blue Shield Of North Carolina | June 1, 2026 | +18.1% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +12.7% (unverified) |
| Guarantee Trust Life Insurance Company | June 1, 2026 | 0.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +12.6% (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | June 1, 2026 | +30.3% (unverified) |
| Omaha Insurance Company | May 1, 2026 | +20.0% (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | April 1, 2026 | +13.0% (unverified) |
| Globe Life And Accident Insurance Company | April 1, 2026 | +19.7% (unverified) |
| United American Insurance Company | April 1, 2026 | +20.1% (unverified) |
| United American Insurance Company | April 1, 2026 | 0.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | March 1, 2026 | +10.0% (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 | 0.0% (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 | +10.0% (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 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.