South Carolina 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 South Carolina insurance regulator and what those filings show about renewal increases.
What Plan N costs in South Carolina
Plan N premiums in South Carolina run from $83.39 to $527.68 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 |
|---|---|---|---|
| Bankers Fidelity Assurance Company | 65 | Attained age | $83.39/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $89.93/mo (unverified) |
| Bankers Fidelity Assurance Company | 70 | Attained age | $91.11/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $93.46/mo (unverified) |
| Nassau Life Insurance Company | 65 | Attained age | $96.89/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $97.33/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $99.33/mo (unverified) |
| Bankers Fidelity Assurance Company | 65 | Attained age | $100.07/mo (unverified) |
| Humana Achieve (Humana Benefit Plan of Illinois, Inc.) | 65 | Attained age | $100.82/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $102.50/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $102.57/mo (unverified) |
| Nassau Life Insurance Company | 70 | Attained age | $103.65/mo (unverified) |
| Woodmenlife | 65 | Attained age | $106.63/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $106.72/mo (unverified) |
| Medico Insurance Company | 65 | Attained age | $107.21/mo (unverified) |
| Medico Insurance Company | 70 | Attained age | $108.28/mo (unverified) |
| Woodmenlife | 70 | Attained age | $109.03/mo (unverified) |
| Philadelphia American Life Insurance Company | 65 | Attained age | $109.24/mo (unverified) |
| Bankers Fidelity Assurance Company | 70 | Attained age | $109.33/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $109.66/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $109.88/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $111.03/mo (unverified) |
| Humana Achieve (Humana Benefit Plan of Illinois, Inc.) | 70 | Attained age | $113.41/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $113.86/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $115.01/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $116.29/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 65 | Community rated | $116.34/mo (unverified) |
| Mutual Of Omaha Insurance Company | 65 | Attained age | $117.31/mo (unverified) |
| Medico Insurance Company | 65 | Attained age | $117.93/mo (unverified) |
| Philadelphia American Life Insurance Company | 70 | Attained age | $118.73/mo (unverified) |
| Medico Insurance Company | 70 | Attained age | $119.11/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $119.72/mo (unverified) |
| Aetna Health Insurance Company | 65 | Attained age | $120.45/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $127.01/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $129.37/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 70 | Community rated | $129.46/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $130.55/mo (unverified) |
| Mutual Of Omaha Insurance Company | 70 | Attained age | $131.39/mo (unverified) |
| Bluecross And Blueshield Of South Carolina | 65 | Attained age | $133.21/mo (unverified) |
| Medico Insurance Company | 65 | Attained age | $134.01/mo (unverified) |
| Aetna Health Insurance Company | 70 | Attained age | $134.86/mo (unverified) |
| Medico Insurance Company | 70 | Attained age | $135.35/mo (unverified) |
| Bluecross And Blueshield Of South Carolina | 65 | Attained age | $138.00/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $140.48/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $143.57/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $145.44/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $151.30/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $151.30/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $154.46/mo (unverified) |
| Bluecross And Blueshield Of South Carolina | 70 | Attained age | $166.01/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $169.85/mo (unverified) |
| Bluecross And Blueshield Of South Carolina | 70 | Attained age | $178.72/mo (unverified) |
| Humana Insurance Company | 65 | Attained age | $185.39/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $186.90/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $195.83/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $198.50/mo (unverified) |
| Humana Insurance Company | 70 | Attained age | $219.12/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $226.95/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $244.00/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $312.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $508.43/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $508.43/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 65 | Community rated | $527.68/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 70 | Community rated | $527.68/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 |
|---|---|---|
| American Benefit Life Insurance Company | September 1, 2026 | +19.0% (unverified) |
| USAA Life Insurance Company | September 1, 2026 | +15.0% (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | September 1, 2026 | +19.9% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | August 1, 2026 | 0.0% (unverified) |
| Insurance Company Of North America | August 1, 2026 | +17.0% (unverified) |
| Lumos Insurance Company | August 1, 2026 | The filing is on record but this figure is not in it. |
| Lifeshield National Insurance Co. | July 1, 2026 | +9.0% (unverified) |
| Humana Achieve (Humana Benefit Plan of Illinois, Inc.) | July 1, 2026 | +20.0% (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | June 1, 2026 | +20.6% (unverified) |
| Bluecross And Blueshield Of South Carolina | June 1, 2026 | +8.6% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +13.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +12.9% (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | June 1, 2026 | +20.2% (unverified) |
| Mutual Of Omaha Insurance Company | May 15, 2026 | +20.0% (unverified) |
| Philadelphia American Life Insurance Company | May 1, 2026 | +18.0% (unverified) |
| Humana Insurance Company | May 1, 2026 | +15.0% (unverified) |
| Guarantee Trust Life Insurance Company | May 1, 2026 | 0.0% (unverified) |
| United American Insurance Company | May 1, 2026 | +19.9% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | April 1, 2026 | +10.0% (unverified) |
| Aetna Health Insurance Company | April 1, 2026 | +20.0% (unverified) |
| State Farm Mutual Automobile Insurance Company | March 1, 2026 | +7.5% (unverified) |
| Bankers Fidelity Assurance Company | February 1, 2026 | +8.9% (unverified) |
| Woodmenlife | February 1, 2026 | +15.0% (unverified) |
| Medico Insurance Company | February 1, 2026 | +20.8% (unverified) |
| GPM Health And Life Insurance Company | December 1, 2025 | +20.0% (unverified) |
| Nassau Life Insurance Company | October 1, 2025 | +14.0% (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 South Carolina
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.
South Carolina: federal rules only. State rules change; confirm the current window with the South Carolina insurance department or your SHIP counselor before you apply anywhere.