North Dakota 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 Dakota insurance regulator and what those filings show about renewal increases.
What Plan G costs in North Dakota
Plan G premiums in North Dakota run from $125.76 to $315.78 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 | $125.76/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Attained age | $132.13/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $139.93/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $150.16/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $151.01/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $160.86/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $163.56/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $168.22/mo (unverified) |
| Nassau Life Insurance Company | 65 | Attained age | $170.41/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 65 | Attained age | $172.09/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $172.46/mo (unverified) |
| Manhattanlife Insurance And Annuity Company | 65 | Attained age | $172.83/mo (unverified) |
| Manhattanlife Insurance And Annuity Company | 65 | Attained age | $172.83/mo (unverified) |
| Heartland National Life Insurance Company | 65 | Attained age | $178.37/mo (unverified) |
| Heartland National Life Insurance Company | 70 | Attained age | $178.37/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $179.99/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $181.61/mo (unverified) |
| Nassau Life Insurance Company | 70 | Attained age | $182.48/mo (unverified) |
| Manhattanlife Insurance And Annuity Company | 70 | Attained age | $184.92/mo (unverified) |
| Manhattanlife Insurance And Annuity Company | 70 | Attained age | $184.92/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $184.96/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $185.12/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $186.32/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Attained age | $191.39/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 70 | Attained age | $193.57/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $193.69/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $194.67/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $197.42/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $198.33/mo (unverified) |
| Noridian Mutual Insurance Company | 65 | Attained age | $198.40/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $199.47/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $200.60/mo (unverified) |
| Medica Health Plans | 65 | Attained age | $207.43/mo (unverified) |
| Medica Health Plans | 70 | Attained age | $220.30/mo (unverified) |
| Mutual Of Omaha Insurance Company | 65 | Attained age | $221.22/mo (unverified) |
| American Continental Insurance Company (Aetna) | 65 | Attained age | $222.08/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Attained age | $228.43/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $228.48/mo (unverified) |
| Noridian Mutual Insurance Company | 70 | Attained age | $230.90/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $233.00/mo (unverified) |
| Mutual Of Omaha Insurance Company | 70 | Attained age | $240.38/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 65 | Attained age | $247.77/mo (unverified) |
| American Continental Insurance Company (Aetna) | 70 | Attained age | $250.98/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $256.18/mo (unverified) |
| Humana Insurance Company | 65 | Attained age | $267.16/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 70 | Attained age | $275.23/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $276.66/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $294.11/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $296.00/mo (unverified) |
| Humana Insurance Company | 70 | Attained age | $315.78/mo (unverified) |
Filed rate actions
A rate action is the increase a carrier asked the state to approve on an existing block of Plan 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 |
|---|---|---|
| Bankers Life (Underwritten By Washington National Insurance Company) | September 1, 2026 | +24.9% (unverified) |
| American Benefit Life Insurance Company | August 1, 2026 | +25.0% (unverified) |
| Lumos 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 | +8.0% (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | August 1, 2026 | +30.5% (unverified) |
| Lifeshield National Insurance Co. | July 1, 2026 | +15.0% (unverified) |
| Nassau Life Insurance Company | July 1, 2026 | +18.0% (unverified) |
| USAA Life Insurance Company | June 1, 2026 | +12.0% (unverified) |
| Medica Health Plans | June 1, 2026 | +25.0% (unverified) |
| American Continental Insurance Company (Aetna) | June 1, 2026 | +20.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | May 1, 2026 | +19.0% (unverified) |
| Mutual Of Omaha Insurance Company | May 1, 2026 | +20.0% (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | April 1, 2026 | +20.0% (unverified) |
| State Farm Mutual Automobile Insurance Company | March 1, 2026 | +19.0% (unverified) |
| United American Insurance Company | March 1, 2026 | +10.6% (unverified) |
| Manhattanlife Insurance And Annuity Company | February 1, 2026 | +15.0% (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | January 1, 2026 | +12.9% (unverified) |
| Wps-A Health Solutions Company | January 1, 2026 | +13.0% (unverified) |
| Noridian Mutual Insurance Company | January 1, 2026 | +12.0% (unverified) |
| Humana Insurance Company | January 1, 2026 | +17.1% (unverified) |
| Guarantee Trust Life Insurance Company | January 1, 2026 | +7.9% (unverified) |
| GPM Health And Life Insurance Company | November 1, 2025 | +20.0% (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | October 1, 2025 | +15.0% (unverified) |
| Heartland National Life Insurance Company | October 1, 2025 | +17.6% (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 Dakota
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 Dakota: federal rules only. State rules change; confirm the current window with the North Dakota insurance department or your SHIP counselor before you apply anywhere.