Oklahoma 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 Oklahoma insurance regulator and what those filings show about renewal increases.
What Plan N costs in Oklahoma
Plan N premiums in Oklahoma run from $93.25 to $546.10 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 | $93.25/mo (unverified) |
| Universal Fidelity Life Insurance Company | 65 | Attained age | $97.86/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $100.97/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 65 | Attained age | $101.54/mo (unverified) |
| Universal Fidelity Life Insurance Company | 70 | Attained age | $103.97/mo (unverified) |
| Farm Bureau Health Plans Member S Health Insurance Company | 65 | Attained age | $105.25/mo (unverified) |
| New Era Life Insurance Company | 65 | Attained age | $106.03/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $112.41/mo (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | 70 | Attained age | $113.13/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $115.42/mo (unverified) |
| Woodmenlife | 65 | Attained age | $115.52/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $115.66/mo (unverified) |
| New Era Life Insurance Company | 70 | Attained age | $116.19/mo (unverified) |
| Woodmenlife | 70 | Attained age | $118.11/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $124.33/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $126.94/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $127.34/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $129.25/mo (unverified) |
| Everence Association Inc | 65 | Attained age | $131.94/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $133.27/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $135.07/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $136.17/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $138.77/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $139.02/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $140.96/mo (unverified) |
| Mutual Of Omaha Insurance Company | 65 | Attained age | $144.03/mo (unverified) |
| Farm Bureau Health Plans Member S Health Insurance Company | 70 | Attained age | $145.25/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $145.35/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $145.66/mo (unverified) |
| Aetna Health Insurance Company | 65 | Attained age | $146.44/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $147.44/mo (unverified) |
| BCBS IL/TX/NM/OK | 65 | Attained age | $149.58/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Attained age | $150.78/mo (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | 65 | Attained age | $157.62/mo (unverified) |
| Everence Association Inc | 70 | Attained age | $158.13/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $159.80/mo (unverified) |
| Aetna Health Insurance Company | 70 | Attained age | $164.18/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $164.27/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $165.24/mo (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | 70 | Attained age | $168.90/mo (unverified) |
| Mutual Of Omaha Insurance Company | 70 | Attained age | $173.17/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $174.46/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $174.90/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $179.46/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Attained age | $180.67/mo (unverified) |
| BCBS IL/TX/NM/OK | 70 | Attained age | $189.41/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $192.30/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $198.00/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $218.50/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $175.77/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $254.00/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $263.66/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $546.10/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $546.10/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 |
|---|---|---|
| Lifeshield National Insurance Co. | September 1, 2026 | +20.0% (unverified) |
| Farm Bureau Health Plans Member S Health 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) |
| 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. |
| New Era Life Insurance Company | July 1, 2026 | +15.0% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | June 1, 2026 | +7.4% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | June 1, 2026 | +7.5% (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | June 1, 2026 | +43.7% (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | June 1, 2026 | +25.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | March 1, 2026 | +20.0% (unverified) |
| Woodmenlife | February 1, 2026 | +15.0% (unverified) |
| Aetna Health Insurance Company | February 1, 2026 | +25.0% (unverified) |
| Humana Achieve (CompBenefits Insurance Company) | January 1, 2026 | +12.0% (unverified) |
| Everence Association Inc | January 1, 2026 | +7.7% (unverified) |
| State Farm Mutual Automobile Insurance Company | January 1, 2026 | +20.0% (unverified) |
| BCBS IL/TX/NM/OK | January 1, 2026 | +15.0% (unverified) |
| Wps-A Health Solutions Company | January 1, 2026 | +14.5% (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | January 1, 2026 | +28.0% (unverified) |
| Guarantee Trust Life Insurance Company | January 1, 2026 | +5.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | January 1, 2026 | +25.1% (unverified) |
| United American Insurance Company | January 1, 2026 | +20.1% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | January 1, 2026 | +25.0% (unverified) |
| Mutual Of Omaha Insurance Company | November 15, 2025 | +25.0% (unverified) |
| Universal Fidelity Life Insurance Company | November 1, 2025 | +15.0% (unverified) |
| GPM Health And Life Insurance Company | October 1, 2025 | +15.0% (unverified) |
| USAA Life Insurance Company | October 1, 2025 | 0.0% (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 Oklahoma
Issuers provide an annual 60-day open enrollment window beginning on your birthday. You may move to a policy of equal or lesser benefits with the same carrier or a different one, provided you have had no gap in coverage greater than 90 days.
Oklahoma: birthday rule — 60 days. State rules change; confirm the current window with the Oklahoma insurance department or your SHIP counselor before you apply anywhere.