Rhode Island Plan G rate history
The most comprehensive plan still open to new enrollees. This page tracks what Plan G carriers have filed with the Rhode Island insurance regulator and what those filings show about renewal increases.
What Plan G costs in Rhode Island
Plan G premiums in Rhode Island run from $158.09 to $486.32 per month across 11 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 | $158.09/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $160.99/mo (unverified) |
| Humana Insurance Company | 65 | Attained age | $166.43/mo (unverified) |
| Medco Containment Life Insurance Company (Cigna) | 65 | Attained age | $170.50/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $173.22/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $173.54/mo (unverified) |
| Aetna Health And Life Insurance Company | 65 | Attained age | $183.93/mo (unverified) |
| Medco Containment Life Insurance Company (Cigna) | 70 | Attained age | $186.19/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $188.02/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $190.45/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $190.50/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $190.54/mo (unverified) |
| Aetna Health And Life Insurance Company | 70 | Attained age | $194.84/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $195.18/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $196.17/mo (unverified) |
| Humana Insurance Company | 70 | Attained age | $196.72/mo (unverified) |
| Blue Cross & Blue Shield Of Rhode Island | 65 | Attained age | $202.00/mo (unverified) |
| United World Life Insurance Company | 65 | Attained age | $204.15/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $204.43/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $234.00/mo (unverified) |
| Blue Cross & Blue Shield Of Rhode Island | 70 | Attained age | $242.80/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $252.39/mo (unverified) |
| Medco Containment Life Insurance Company (Cigna) | 65 | Attained age | $255.76/mo (unverified) |
| Medco Containment Life Insurance Company (Cigna) | 70 | Attained age | $279.29/mo (unverified) |
| United World Life Insurance Company | 70 | Attained age | $282.97/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $297.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $486.32/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $486.32/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 | +9.6% (unverified) |
| Medco Containment Life Insurance Company (Cigna) | September 1, 2026 | +7.0% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | September 1, 2026 | +9.7% (unverified) |
| Insurance Company Of North America | August 1, 2026 | +8.0% (unverified) |
| Humana Insurance Company | July 1, 2026 | 0.0% (unverified) |
| Aetna Health And Life Insurance Company | July 1, 2026 | +9.9% (unverified) |
| Blue Cross & Blue Shield Of Rhode Island | July 1, 2026 | +14.3% (unverified) |
| USAA Life Insurance Company | June 1, 2026 | +9.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +12.5% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | May 1, 2026 | +7.0% (unverified) |
| United American Insurance Company | January 15, 2026 | +6.6% (unverified) |
| United World Life Insurance Company | October 15, 2025 | The filing is on record but this figure is not in it. |
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 Rhode Island
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.
Rhode Island: federal rules only. State rules change; confirm the current window with the Rhode Island insurance department or your SHIP counselor before you apply anywhere.