Ohio 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 Ohio insurance regulator and what those filings show about renewal increases.
What Plan N costs in Ohio
Plan N premiums in Ohio run from $97.66 to $540.13 per month across 33 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 | $97.66/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Attained age | $102.60/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 65 | Attained age | $103.37/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $108.31/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $110.21/mo (unverified) |
| Erie Family Life Insurance Company | 65 | Attained age | $111.23/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 70 | Attained age | $112.98/mo (unverified) |
| Medico Life And Health Insurance Company | 65 | Attained age | $114.06/mo (unverified) |
| Medico Life And Health Insurance Company | 70 | Attained age | $115.20/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $118.87/mo (unverified) |
| Omaha Supplemental Insurance Company | 65 | Attained age | $119.30/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 65 | Attained age | $119.39/mo (unverified) |
| Woodmenlife | 65 | Attained age | $119.87/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $120.42/mo (unverified) |
| Woodmenlife | 70 | Attained age | $122.57/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 65 | Attained age | $123.12/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $123.33/mo (unverified) |
| Erie Family Life Insurance Company | 70 | Attained age | $123.44/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $123.93/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 70 | Attained age | $123.98/mo (unverified) |
| Medico Life And Health Insurance Company | 65 | Attained age | $125.46/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 65 | Community rated | $125.98/mo (unverified) |
| New Era Life Insurance Company | 65 | Attained age | $126.10/mo (unverified) |
| Medico Life And Health Insurance Company | 70 | Attained age | $126.72/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $126.87/mo (unverified) |
| Nassau Life Insurance Company | 65 | Attained age | $127.04/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $127.84/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 65 | Attained age | $129.28/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Attained age | $129.35/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $132.43/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $133.33/mo (unverified) |
| Medical Mutual Of Ohio | 65 | Attained age | $133.54/mo (unverified) |
| Omaha Supplemental Insurance Company | 70 | Attained age | $133.64/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $134.30/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $135.83/mo (unverified) |
| Nassau Life Insurance Company | 70 | Attained age | $135.89/mo (unverified) |
| New Era Life Insurance Company | 70 | Attained age | $137.57/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $138.10/mo (unverified) |
| Everence Association Inc | 65 | Attained age | $139.69/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 70 | Community rated | $140.16/mo (unverified) |
| Medico Life And Health Insurance Company | 65 | Attained age | $142.57/mo (unverified) |
| Medico Life And Health Insurance Company | 70 | Attained age | $144.00/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $144.59/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 70 | Attained age | $144.61/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $145.18/mo (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | 65 | Attained age | $146.75/mo (unverified) |
| Globe Life And Accident Insurance Company | 65 | Attained age | $149.00/mo (unverified) |
| Medical Mutual Of Ohio | 70 | Attained age | $151.65/mo (unverified) |
| Thp Insurance Company | 65 | Attained age | $151.83/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Attained age | $152.08/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 65 | Attained age | $155.05/mo (unverified) |
| Pekin Life Insurance Company | 65 | Attained age | $156.17/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $156.91/mo (unverified) |
| Community Ins Co (Anthem) | 65 | Attained age | $158.76/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $160.10/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $164.38/mo (unverified) |
| Globe Life And Accident Insurance Company | 70 | Attained age | $166.00/mo (unverified) |
| Everence Association Inc | 70 | Attained age | $167.42/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 70 | Attained age | $169.46/mo (unverified) |
| Heartland National Life Insurance Company | 65 | Attained age | $170.99/mo (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | 70 | Attained age | $171.54/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $176.05/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $177.57/mo (unverified) |
| Heartland National Life Insurance Company | 70 | Attained age | $178.61/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Attained age | $182.68/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $183.29/mo (unverified) |
| Aultcare Insurance Company | 65 | Attained age | $185.00/mo (unverified) |
| Thp Insurance Company | 70 | Attained age | $188.30/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $202.67/mo (unverified) |
| Pekin Life Insurance Company | 70 | Attained age | $205.84/mo (unverified) |
| Community Ins Co (Anthem) | 70 | Attained age | $207.22/mo (unverified) |
| Aultcare Insurance Company | 70 | Attained age | $237.00/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $256.76/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $272.74/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $299.00/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $356.00/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 65 | Community rated | $506.49/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 70 | Community rated | $506.49/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $540.13/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $540.13/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 |
|---|---|---|
| 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 | +19.0% (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | August 1, 2026 | +12.0% (unverified) |
| Heartland National Life Insurance Company | August 1, 2026 | +20.0% (unverified) |
| Lifeshield National Insurance Co. | July 1, 2026 | +9.0% (unverified) |
| Nassau Life Insurance Company | July 1, 2026 | +18.0% (unverified) |
| Community Ins Co (Anthem) | July 1, 2026 | +10.4% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | June 1, 2026 | +6.0% (unverified) |
| Woodmenlife | June 1, 2026 | +9.0% (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | June 1, 2026 | +20.6% (unverified) |
| New Era Life Insurance Company | June 1, 2026 | +12.0% (unverified) |
| USAA Life Insurance Company | June 1, 2026 | +15.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +14.6% (unverified) |
| Aultcare Insurance Company | June 1, 2026 | +10.5% (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | June 1, 2026 | +20.2% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +14.5% (unverified) |
| Omaha Supplemental Insurance Company | May 1, 2026 | +15.0% (unverified) |
| Pekin Life Insurance Company | May 1, 2026 | +25.0% (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | April 1, 2026 | +18.0% (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | April 1, 2026 | +8.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | April 1, 2026 | +22.0% (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | April 1, 2026 | +20.0% (unverified) |
| Everence Association Inc | April 1, 2026 | +14.4% (unverified) |
| Erie Family Life Insurance Company | March 1, 2026 | +12.0% (unverified) |
| State Farm Mutual Automobile Insurance Company | March 1, 2026 | +18.6% (unverified) |
| Globe Life And Accident Insurance Company | March 1, 2026 | +20.4% (unverified) |
| Medico Life And Health Insurance Company | February 1, 2026 | +9.0% (unverified) |
| United American Insurance Company | January 15, 2026 | +15.0% (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | January 1, 2026 | +8.0% (unverified) |
| Medical Mutual Of Ohio | January 1, 2026 | +10.0% (unverified) |
| Thp Insurance Company | January 1, 2026 | +7.8% (unverified) |
| Wps-A Health Solutions Company | January 1, 2026 | +10.5% (unverified) |
| Guarantee Trust Life Insurance Company | January 1, 2026 | +26.1% (unverified) |
| GPM Health And Life Insurance Company | September 1, 2025 | +25.0% (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 Ohio
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.
Ohio: federal rules only. State rules change; confirm the current window with the Ohio insurance department or your SHIP counselor before you apply anywhere.