Tennessee 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 Tennessee insurance regulator and what those filings show about renewal increases.
What Plan N costs in Tennessee
Plan N premiums in Tennessee run from $86.30 to $546.93 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 |
|---|---|---|---|
| Trh Health Insurance Company | 65 | Attained age | $86.30/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $87.28/mo (unverified) |
| Silverscript Insurance Company | 65 | Attained age | $88.38/mo (unverified) |
| New Era Life Insurance Company Of The Midwest | 65 | Attained age | $91.88/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $93.99/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $98.30/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $98.90/mo (unverified) |
| Silverscript Insurance Company | 70 | Attained age | $99.04/mo (unverified) |
| Nassau Life Insurance Company | 65 | Attained age | $99.33/mo (unverified) |
| New Era Life Insurance Company Of The Midwest | 70 | Attained age | $99.75/mo (unverified) |
| Humana Achieve (ACompBenefits Insurance Company) | 65 | Attained age | $102.82/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $106.25/mo (unverified) |
| Nassau Life Insurance Company | 70 | Attained age | $106.26/mo (unverified) |
| Humana Achieve (ACompBenefits Insurance Company) | 70 | Attained age | $106.77/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $107.88/mo (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | 65 | Attained age | $108.06/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $108.50/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $109.21/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 65 | Attained age | $109.82/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $110.30/mo (unverified) |
| Erie Family Life Insurance Company | 65 | Attained age | $110.31/mo (unverified) |
| Trh Health Insurance Company | 70 | Attained age | $113.37/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 70 | Attained age | $114.25/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $114.45/mo (unverified) |
| Erie Family Life Insurance Company | 70 | Attained age | $115.02/mo (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | 70 | Attained age | $115.80/mo (unverified) |
| Omaha Supplemental Insurance Company | 65 | Attained age | $116.07/mo (unverified) |
| Woodmenlife | 65 | Attained age | $121.93/mo (unverified) |
| Woodmenlife | 70 | Attained age | $124.67/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $124.96/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 65 | Community rated | $126.60/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $133.03/mo (unverified) |
| Bluecross Blueshield Of Tennessee, Inc. | 65 | Attained age | $134.57/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $134.59/mo (unverified) |
| Globe Life And Accident Insurance Company | 65 | Attained age | $135.00/mo (unverified) |
| Omaha Supplemental Insurance Company | 70 | Attained age | $135.89/mo (unverified) |
| Medico Insurance Company | 65 | Attained age | $136.99/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 65 | Attained age | $137.36/mo (unverified) |
| Medico Insurance Company | 65 | Attained age | $150.69/mo (unverified) |
| Medico Insurance Company | 70 | Attained age | $138.36/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 70 | Community rated | $140.85/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $140.94/mo (unverified) |
| Globe Life And Accident Insurance Company | 70 | Attained age | $151.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $151.87/mo (unverified) |
| Medico Insurance Company | 70 | Attained age | $152.20/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 70 | Attained age | $153.61/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Attained age | $155.24/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $162.69/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 65 | Attained age | $164.73/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $167.00/mo (unverified) |
| Medico Insurance Company | 65 | Attained age | $171.24/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 70 | Attained age | $171.38/mo (unverified) |
| Medico Insurance Company | 70 | Attained age | $172.95/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $173.76/mo (unverified) |
| Bluecross Blueshield Of Tennessee, Inc. | 70 | Attained age | $182.02/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Attained age | $186.55/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $193.29/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $213.86/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $247.33/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $262.67/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $272.00/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $344.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $494.93/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $494.93/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 65 | Community rated | $546.93/mo (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | 70 | Community rated | $546.93/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 |
|---|---|---|
| Insurance Company Of North America | September 1, 2026 | +17.0% (unverified) |
| American Benefit Life Insurance Company | September 1, 2026 | +19.0% (unverified) |
| Medico Insurance Company | September 1, 2026 | +3.8% (unverified) |
| Humana (Humana Benefit Plan of Illinois, Inc.) | August 1, 2026 | +20.0% (unverified) |
| Erie Family Life Insurance Company | August 1, 2026 | +17.0% (unverified) |
| USAA Life Insurance Company | August 1, 2026 | +15.0% (unverified) |
| Lifeshield National Insurance Co. | July 1, 2026 | +12.0% (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | July 1, 2026 | +11.0% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | June 22, 2026 | +9.9% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | June 22, 2026 | +10.0% (unverified) |
| Trh Health Insurance Company | June 1, 2026 | +13.4% (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | June 1, 2026 | +40.3% (unverified) |
| Bluecross Blueshield Of Tennessee, Inc. | June 1, 2026 | 0.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +15.1% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +15.0% (unverified) |
| AARP Medicare Supplement Insurance Plans, Insured By United Healthcare Insurance Company Of America | June 1, 2026 | +39.4% (unverified) |
| Humana Achieve (ACompBenefits Insurance Company) | May 1, 2026 | +8.0% (unverified) |
| Omaha Supplemental Insurance Company | May 1, 2026 | +20.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | April 1, 2026 | +10.0% (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | April 1, 2026 | +20.0% (unverified) |
| Guarantee Trust Life Insurance Company | April 1, 2026 | +14.9% (unverified) |
| Globe Life And Accident Insurance Company | March 15, 2026 | +20.5% (unverified) |
| United American Insurance Company | February 15, 2026 | +19.9% (unverified) |
| Silverscript Insurance Company | February 1, 2026 | +12.0% (unverified) |
| State Farm Mutual Automobile Insurance Company | February 1, 2026 | +20.0% (unverified) |
| Woodmenlife | January 15, 2026 | +25.0% (unverified) |
| Wps-A Health Solutions Company | January 1, 2026 | +15.0% (unverified) |
| New Era Life Insurance Company Of The Midwest | November 1, 2025 | +6.0% (unverified) |
| GPM Health And Life Insurance Company | October 1, 2025 | +9.0% (unverified) |
| Nassau Life Insurance Company | October 1, 2025 | +14.0% (unverified) |
Tennessee approved rate actions are published by the state's insurance regulator. A figure on this page is cited to that publication, not to a carrier illustration.
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 Tennessee
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.
Tennessee: federal rules only. State rules change; confirm the current window with the Tennessee insurance department or your SHIP counselor before you apply anywhere.