Oregon 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 Oregon insurance regulator and what those filings show about renewal increases.
What Plan N costs in Oregon
Plan N premiums in Oregon run from $115.49 to $335.49 per month across 15 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 Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $115.49/mo (unverified) |
| Everence Association Inc | 65 | Attained age | $135.12/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $142.57/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $149.32/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $164.05/mo (unverified) |
| Everence Association Inc | 70 | Attained age | $165.19/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $167.45/mo (unverified) |
| Medco Containment Life Insurance Company (Cigna) | 65 | Attained age | $173.00/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $175.86/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Attained age | $181.11/mo (unverified) |
| United World Life Insurance Company | 65 | Attained age | $181.70/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $184.35/mo (unverified) |
| Moda Health Plan, Inc. | 65 | Attained age | $186.00/mo (unverified) |
| Woodmenlife | 65 | Attained age | $190.06/mo (unverified) |
| Humana Insurance Company | 65 | Attained age | $191.80/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $194.99/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $195.14/mo (unverified) |
| Regence Bluecross Blueshield Of Oregon | 65 | Attained age | $197.00/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $198.00/mo (unverified) |
| Woodmenlife | 70 | Attained age | $199.35/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $200.43/mo (unverified) |
| United World Life Insurance Company | 70 | Attained age | $203.51/mo (unverified) |
| Medco Containment Life Insurance Company (Cigna) | 70 | Attained age | $210.48/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Attained age | $210.65/mo (unverified) |
| Moda Health Plan, Inc. | 70 | Attained age | $214.00/mo (unverified) |
| Regence Bluecross Blueshield Of Oregon | 70 | Attained age | $225.00/mo (unverified) |
| Humana Insurance Company | 70 | Attained age | $226.33/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $254.00/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $288.73/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 65 | Attained age | $296.24/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $317.74/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 70 | Attained age | $335.49/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 |
|---|---|---|
| State Farm Mutual Automobile Insurance Company | September 1, 2026 | +18.2% (unverified) |
| Humana Insurance Company | September 1, 2026 | +15.9% (unverified) |
| USAA Life Insurance Company | August 1, 2026 | +8.0% (unverified) |
| Medco Containment Life Insurance Company (Cigna) | June 1, 2026 | +20.0% (unverified) |
| Woodmenlife | May 15, 2026 | +25.0% (unverified) |
| United American Insurance Company | May 1, 2026 | +19.8% (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | May 1, 2026 | 0.0% (unverified) |
| Everence Association Inc | April 1, 2026 | +16.1% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | April 1, 2026 | +25.0% (unverified) |
| GPM Health And Life Insurance Company | April 1, 2026 | +30.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | January 1, 2026 | +28.3% (unverified) |
| Moda Health Plan, Inc. | January 1, 2026 | +16.8% (unverified) |
| Regence Bluecross Blueshield Of Oregon | January 1, 2026 | +9.2% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | November 6, 2025 | +2.0% (unverified) |
| United World 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 Oregon
You may compare and apply starting 30 days before your birthday. The right to change runs from your birthday and ends 30 days later, and the new policy must have the same or lesser benefits. Within that window the change is guaranteed regardless of your health.
Oregon: birthday rule — 30 days. State rules change; confirm the current window with the Oregon insurance department or your SHIP counselor before you apply anywhere.