North Dakota 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 Dakota insurance regulator and what those filings show about renewal increases.
What Plan N costs in North Dakota
Plan N premiums in North Dakota run from $91.31 to $368.00 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 |
|---|---|---|---|
| GPM Health And Life Insurance Company | 65 | Attained age | $91.31/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 65 | Attained age | $94.36/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $98.15/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $98.32/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Attained age | $99.14/mo (unverified) |
| Manhattanlife Insurance And Annuity Company | 65 | Attained age | $102.17/mo (unverified) |
| Manhattanlife Insurance And Annuity Company | 65 | Attained age | $102.17/mo (unverified) |
| Manhattanlife Insurance And Annuity Company | 70 | Attained age | $111.42/mo (unverified) |
| Manhattanlife Insurance And Annuity Company | 70 | Attained age | $111.42/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $115.04/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 65 | Attained age | $116.35/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $116.58/mo (unverified) |
| Mutual Of Omaha Insurance Company | 65 | Attained age | $120.64/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $121.64/mo (unverified) |
| Nassau Life Insurance Company | 65 | Attained age | $125.69/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $127.01/mo (unverified) |
| Heartland National Life Insurance Company | 65 | Attained age | $128.08/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $128.13/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $128.67/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $130.14/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 70 | Attained age | $130.88/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $131.08/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $131.17/mo (unverified) |
| Heartland National Life Insurance Company | 70 | Attained age | $133.80/mo (unverified) |
| Mutual Of Omaha Insurance Company | 70 | Attained age | $134.21/mo (unverified) |
| Nassau Life Insurance Company | 70 | Attained age | $134.45/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $135.02/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $135.72/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $139.89/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $141.19/mo (unverified) |
| Medica Health Plans | 65 | Attained age | $148.98/mo (unverified) |
| Medica Health Plans | 70 | Attained age | $156.14/mo (unverified) |
| American Continental Insurance Company (Aetna) | 65 | Attained age | $161.85/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $167.98/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Attained age | $170.99/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $172.81/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $172.89/mo (unverified) |
| Noridian Mutual Insurance Company | 65 | Attained age | $178.30/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 65 | Attained age | $181.77/mo (unverified) |
| American Continental Insurance Company (Aetna) | 70 | Attained age | $183.18/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 70 | Attained age | $202.04/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $202.81/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Attained age | $204.10/mo (unverified) |
| Noridian Mutual Insurance Company | 70 | Attained age | $207.00/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $219.39/mo (unverified) |
| Humana Insurance Company | 65 | Attained age | $220.45/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $233.00/mo (unverified) |
| Humana Insurance Company | 70 | Attained age | $260.58/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $288.00/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $368.00/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 |
|---|---|---|
| Bankers Life (Underwritten By Washington National Insurance Company) | September 1, 2026 | +10.0% (unverified) |
| American Benefit Life Insurance Company | August 1, 2026 | +25.0% (unverified) |
| Insurance Company Of North America | August 1, 2026 | +8.0% (unverified) |
| Lumos Insurance Company | August 1, 2026 | The filing is on record but this figure is not in it. |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | August 1, 2026 | +30.7% (unverified) |
| Lifeshield National Insurance Co. | July 1, 2026 | +15.0% (unverified) |
| Nassau Life Insurance Company | July 1, 2026 | +18.0% (unverified) |
| Medica Health Plans | June 1, 2026 | +25.0% (unverified) |
| American Continental Insurance Company (Aetna) | June 1, 2026 | +20.0% (unverified) |
| USAA Life Insurance Company | June 1, 2026 | +12.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | May 1, 2026 | +19.0% (unverified) |
| Mutual Of Omaha Insurance Company | May 1, 2026 | +15.0% (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 | +19.9% (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) |
| Guarantee Trust Life Insurance Company | January 1, 2026 | +7.9% (unverified) |
| Humana Insurance Company | January 1, 2026 | +23.2% (unverified) |
| GPM Health And Life Insurance Company | November 1, 2025 | +9.0% (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | October 1, 2025 | +8.0% (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 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 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.