South Dakota 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 Dakota insurance regulator and what those filings show about renewal increases.
What Plan N costs in South Dakota
Plan N premiums in South Dakota run from $109.42 to $460.75 per month across 27 carriers, for the quoted scenario described below. Figures marked unverified have not yet been matched to a filing.
| Carrier | Age | Rating method | Monthly premium |
|---|---|---|---|
| Insurance Company Of North America | 65 | Attained age | $109.42/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $111.42/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $118.00/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $120.25/mo (unverified) |
| Bankers Fidelity Life Insurance Company | 65 | Attained age | $120.77/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $123.15/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $123.68/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $123.92/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $125.16/mo (unverified) |
| Farm Bureau Health Plans Member S Health Insurance Company | 65 | Attained age | $125.84/mo (unverified) |
| Humana Achieve (Emphesys Insurance Company) | 65 | Attained age | $128.02/mo (unverified) |
| Nassau Life Insurance Company | 65 | Attained age | $129.54/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $130.89/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $131.66/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $134.46/mo (unverified) |
| Bankers Fidelity Life Insurance Company | 70 | Attained age | $136.28/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $136.64/mo (unverified) |
| Farm Bureau Health Plans Member S Health Insurance Company | 70 | Attained age | $138.40/mo (unverified) |
| Nassau Life Insurance Company | 70 | Attained age | $138.57/mo (unverified) |
| Everence Association Inc | 65 | Attained age | $139.11/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $143.65/mo (unverified) |
| Philadelphia American Life Insurance Company | 65 | Attained age | $143.89/mo (unverified) |
| Humana Achieve (Emphesys Insurance Company) | 70 | Attained age | $144.00/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $148.08/mo (unverified) |
| Bankers Fidelity Life Insurance Company | 65 | Attained age | $151.22/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $152.44/mo (unverified) |
| Mutual Of Omaha Insurance Company | 65 | Attained age | $156.57/mo (unverified) |
| Philadelphia American Life Insurance Company | 70 | Attained age | $159.09/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $159.62/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Attained age | $164.66/mo (unverified) |
| Medica Health Plans | 65 | Attained age | $166.33/mo (unverified) |
| Everence Association Inc | 70 | Attained age | $166.64/mo (unverified) |
| Bankers Fidelity Life Insurance Company | 70 | Attained age | $170.65/mo (unverified) |
| Mutual Of Omaha Insurance Company | 70 | Attained age | $170.66/mo (unverified) |
| Wellmark Of South Dakota, Inc. | 65 | Attained age | $171.50/mo (unverified) |
| Medica Health Plans | 70 | Attained age | $174.31/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $175.78/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $179.86/mo (unverified) |
| Heartland National Life Insurance Company | 65 | Attained age | $185.11/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $186.18/mo (unverified) |
| American Continental Insurance Company (Aetna) | 65 | Attained age | $189.59/mo (unverified) |
| Heartland National Life Insurance Company | 70 | Attained age | $193.36/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $196.33/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Attained age | $196.55/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $196.83/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $198.90/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $204.69/mo (unverified) |
| Wellmark Of South Dakota, Inc. | 65 | Attained age | $219.10/mo (unverified) |
| Wellmark Of South Dakota, Inc. | 70 | Attained age | $213.80/mo (unverified) |
| American Continental Insurance Company (Aetna) | 70 | Attained age | $214.75/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $222.13/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $232.30/mo (unverified) |
| Physicians Mutual Insurance Company | 65 | Attained age | $233.04/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $246.71/mo (unverified) |
| Humana Insurance Company | 70 | Attained age | $251.23/mo (unverified) |
| Physicians Mutual Insurance Company | 70 | Attained age | $267.53/mo (unverified) |
| Wellmark Of South Dakota, Inc. | 70 | Attained age | $273.20/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $286.00/mo (unverified) |
| Avera Health Plans, Inc. | 65 | Attained age | $363.18/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $367.00/mo (unverified) |
| Humana Insurance Company | 65 | Attained age | $382.15/mo (unverified) |
| Avera Health Plans, Inc. | 70 | Attained age | $418.67/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $460.75/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $460.75/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 |
|---|---|---|
| Humana Achieve (Emphesys Insurance Company) | September 1, 2026 | +8.0% (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. |
| American Benefit Life Insurance Company | August 1, 2026 | +15.0% (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | August 1, 2026 | +18.0% (unverified) |
| Philadelphia American Life Insurance Company | August 1, 2026 | +20.0% (unverified) |
| Heartland National Life Insurance Company | August 1, 2026 | +35.0% (unverified) |
| Physicians Mutual Insurance Company | August 1, 2026 | The filing is on record but this figure is not in it. |
| Bankers Life (Underwritten By Washington National Insurance Company) | July 1, 2026 | +9.9% (unverified) |
| Nassau Life Insurance Company | July 1, 2026 | +23.0% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | July 1, 2026 | +10.0% (unverified) |
| Bankers Fidelity Life Insurance Company | June 13, 2026 | +2.9% (unverified) |
| Lifeshield National Insurance Co. | June 1, 2026 | +20.0% (unverified) |
| Farm Bureau Health Plans Member S Health Insurance Company | June 1, 2026 | +25.0% (unverified) |
| Medica Health Plans | June 1, 2026 | +34.9% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +20.1% (unverified) |
| American Continental Insurance Company (Aetna) | June 1, 2026 | +20.0% (unverified) |
| Humana Insurance Company | June 1, 2026 | +21.4% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +20.0% (unverified) |
| USAA Life Insurance Company | May 1, 2026 | +15.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | April 1, 2026 | +25.0% (unverified) |
| Everence Association Inc | April 1, 2026 | +15.7% (unverified) |
| Avera Health Plans, Inc. | April 1, 2026 | +10.4% (unverified) |
| State Farm Mutual Automobile Insurance Company | February 1, 2026 | +10.7% (unverified) |
| Mutual Of Omaha Insurance Company | January 1, 2026 | +30.0% (unverified) |
| Wps-A Health Solutions Company | January 1, 2026 | +9.0% (unverified) |
| Wellmark Of South Dakota, Inc. | January 1, 2026 | +14.0% (unverified) |
| Wellmark Of South Dakota, Inc. | January 1, 2026 | +31.1% (unverified) |
| Guarantee Trust Life Insurance Company | January 1, 2026 | +7.9% (unverified) |
| United American Insurance Company | January 1, 2026 | +20.0% (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 Dakota
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 Dakota: federal rules only. State rules change; confirm the current window with the South Dakota insurance department or your SHIP counselor before you apply anywhere.