Texas 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 Texas insurance regulator and what those filings show about renewal increases.
What Plan N costs in Texas
Plan N premiums in Texas run from $95.11 to $527.59 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, Underwritten By Atlantic Capital Life Assurance Company | 65 | Attained age | $95.11/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Attained age | $99.93/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $105.35/mo (unverified) |
| Nassau Life Insurance Company | 65 | Attained age | $106.32/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $109.96/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $110.42/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $112.25/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $113.37/mo (unverified) |
| Nassau Life Insurance Company | 70 | Attained age | $113.73/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 65 | Attained age | $116.33/mo (unverified) |
| Farm Bureau Health Plans Member S Health Insurance Company | 65 | Attained age | $117.53/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $118.72/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 65 | Attained age | $119.92/mo (unverified) |
| Woodmenlife | 65 | Attained age | $124.97/mo (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | 70 | Attained age | $125.98/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 70 | Attained age | $126.51/mo (unverified) |
| Woodmenlife | 70 | Attained age | $127.79/mo (unverified) |
| Medico Life And Health Insurance Company | 65 | Attained age | $128.63/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $128.78/mo (unverified) |
| Farm Bureau Health Plans Member S Health Insurance Company | 70 | Attained age | $129.77/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $129.84/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $130.28/mo (unverified) |
| New Era Life Insurance Company | 65 | Attained age | $132.03/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $133.28/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $134.10/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $135.94/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $140.74/mo (unverified) |
| Medico Life And Health Insurance Company | 65 | Attained age | $141.50/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $146.41/mo (unverified) |
| Mutual Of Omaha Insurance Company | 65 | Attained age | $150.63/mo (unverified) |
| BCBS IL/TX/NM/OK | 65 | Attained age | $153.39/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $154.81/mo (unverified) |
| Aetna Health Insurance Company | 65 | Attained age | $155.10/mo (unverified) |
| New Era Life Insurance Company | 70 | Attained age | $158.06/mo (unverified) |
| Medico Life And Health Insurance Company | 65 | Attained age | $160.79/mo (unverified) |
| Medico Life And Health Insurance Company | 70 | Attained age | $129.92/mo (unverified) |
| Medico Life And Health Insurance Company | 70 | Attained age | $142.92/mo (unverified) |
| Medico Life And Health Insurance Company | 70 | Attained age | $162.41/mo (unverified) |
| Humana (Emphesys Insurance Company) | 65 | Attained age | $162.66/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $162.95/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Attained age | $163.33/mo (unverified) |
| Mutual Of Omaha Insurance Company | 70 | Attained age | $166.79/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $167.59/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $168.70/mo (unverified) |
| Humana (Emphesys Insurance Company) | 70 | Attained age | $172.61/mo (unverified) |
| Aetna Health Insurance Company | 70 | Attained age | $173.68/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 65 | Attained age | $174.49/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $180.88/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $181.76/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $183.09/mo (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | 70 | Attained age | $189.77/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $192.11/mo (unverified) |
| BCBS IL/TX/NM/OK | 70 | Attained age | $193.87/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Attained age | $195.68/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $214.37/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $243.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $527.59/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $199.83/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $310.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $527.59/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 | +18.0% (unverified) |
| American Benefit Life Insurance Company | September 1, 2026 | +20.9% (unverified) |
| Bankers Fidelity, Underwritten By Atlantic Capital Life Assurance Company | August 1, 2026 | +9.9% (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 | +14.0% (unverified) |
| Mutual Of Omaha Insurance Company | July 1, 2026 | +15.0% (unverified) |
| BCBS IL/TX/NM/OK | July 1, 2026 | +18.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | July 1, 2026 | +18.2% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | July 1, 2026 | +18.1% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | June 19, 2026 | 0.0% (unverified) |
| State Farm Mutual Automobile Insurance Company | June 1, 2026 | +14.4% (unverified) |
| Healthspring Insurance Company (F/K/A Cic) | May 1, 2026 | +10.3% (unverified) |
| USAA Life Insurance Company | May 1, 2026 | +13.5% (unverified) |
| United American Insurance Company | April 15, 2026 | +15.0% (unverified) |
| Humana (Emphesys Insurance Company) | April 1, 2026 | +15.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | March 1, 2026 | +15.0% (unverified) |
| Woodmenlife | February 15, 2026 | +25.9% (unverified) |
| Medico Life And Health Insurance Company | February 1, 2026 | +24.3% (unverified) |
| Aetna Health Insurance Company | February 1, 2026 | +18.0% (unverified) |
| Wps-A Health Solutions Company | January 1, 2026 | +10.0% (unverified) |
| Guarantee Trust Life Insurance Company | January 1, 2026 | +10.0% (unverified) |
| New Era Life Insurance Company | November 1, 2025 | +39.1% (unverified) |
| Nassau Life Insurance Company | October 1, 2025 | +7.3% (unverified) |
| Farm Bureau Health Plans Member S Health Insurance Company | September 1, 2025 | -7.7% (unverified) |
| GPM Health And Life Insurance Company | October 1, 2024 | +15.5% (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 Texas
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.
Texas: federal rules only. State rules change; confirm the current window with the Texas insurance department or your SHIP counselor before you apply anywhere.