Rhode Island 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 Rhode Island insurance regulator and what those filings show about renewal increases.
What Plan N costs in Rhode Island
Plan N premiums in Rhode Island run from $109.11 to $378.67 per month across 10 carriers, for the quoted scenario described below. Figures marked unverified have not yet been matched to a filing.
| Carrier | Age | Rating method | Monthly premium |
|---|---|---|---|
| United World Life Insurance Company | 65 | Attained age | $109.11/mo (unverified) |
| Medco Containment Life Insurance Company (Cigna) | 65 | Attained age | $109.94/mo (unverified) |
| Aetna Health And Life Insurance Company | 65 | Attained age | $113.54/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $115.91/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $118.78/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $124.50/mo (unverified) |
| Aetna Health And Life Insurance Company | 70 | Attained age | $126.87/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $128.25/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $129.25/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $135.40/mo (unverified) |
| Medco Containment Life Insurance Company (Cigna) | 70 | Attained age | $137.01/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $146.54/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $146.66/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $148.91/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $153.60/mo (unverified) |
| Blue Cross & Blue Shield Of Rhode Island | 65 | Attained age | $155.52/mo (unverified) |
| Medco Containment Life Insurance Company (Cigna) | 65 | Attained age | $164.91/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $171.36/mo (unverified) |
| Blue Cross & Blue Shield Of Rhode Island | 70 | Attained age | $187.03/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $189.63/mo (unverified) |
| Medco Containment Life Insurance Company (Cigna) | 70 | Attained age | $205.51/mo (unverified) |
| United World Life Insurance Company | 70 | Attained age | $209.81/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $285.00/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $365.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $378.67/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $378.67/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 |
|---|---|---|
| Medco Containment Life Insurance Company (Cigna) | September 1, 2026 | +7.0% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | September 1, 2026 | +9.4% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | September 1, 2026 | +9.5% (unverified) |
| Insurance Company Of North America | August 1, 2026 | +8.0% (unverified) |
| Aetna Health And Life Insurance Company | July 1, 2026 | 0.0% (unverified) |
| Blue Cross & Blue Shield Of Rhode Island | July 1, 2026 | +12.2% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +12.4% (unverified) |
| USAA Life Insurance Company | June 1, 2026 | +9.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +12.3% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | May 1, 2026 | +7.0% (unverified) |
| United American Insurance Company | January 15, 2026 | +20.1% (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 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 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.