Utah 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 Utah insurance regulator and what those filings show about renewal increases.
What Plan N costs in Utah
Plan N premiums in Utah run from $98.80 to $455.05 per month across 22 carriers, for the quoted scenario described below. Figures marked unverified have not yet been matched to a filing.
| Carrier | Age | Rating method | Monthly premium |
|---|---|---|---|
| American Benefit Life Insurance Company | 65 | Attained age | $98.80/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $101.22/mo (unverified) |
| Bankers Fidelity Assurance Company | 65 | Attained age | $102.67/mo (unverified) |
| Wmi Mutual Insurance Company | 65 | Attained age | $103.00/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $106.67/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $107.87/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $108.67/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $111.09/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $112.42/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $115.58/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $115.83/mo (unverified) |
| Wmi Mutual Insurance Company | 70 | Attained age | $118.00/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $118.58/mo (unverified) |
| Bankers Fidelity Assurance Company | 65 | Attained age | $123.21/mo (unverified) |
| Bankers Fidelity Assurance Company | 70 | Attained age | $111.93/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $127.45/mo (unverified) |
| Nassau Life Insurance Company | 65 | Attained age | $128.49/mo (unverified) |
| Wmi Mutual Insurance Company | 65 | Attained age | $129.00/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $130.65/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $132.43/mo (unverified) |
| Bankers Fidelity Assurance Company | 70 | Attained age | $134.31/mo (unverified) |
| Nassau Life Insurance Company | 70 | Attained age | $137.45/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $137.67/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $138.90/mo (unverified) |
| Philadelphia American Life Insurance Company | 65 | Attained age | $139.04/mo (unverified) |
| Philadelphia American Life Insurance Company | 70 | Attained age | $143.55/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $145.27/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $145.66/mo (unverified) |
| Wmi Mutual Insurance Company | 70 | Attained age | $147.00/mo (unverified) |
| Aetna Health And Life Insurance Company | 65 | Attained age | $147.02/mo (unverified) |
| Omaha Insurance Company | 65 | Attained age | $151.92/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $153.60/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $154.53/mo (unverified) |
| Aetna Health And Life Insurance Company | 70 | Attained age | $156.02/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $166.97/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $169.73/mo (unverified) |
| Omaha Insurance Company | 70 | Attained age | $170.68/mo (unverified) |
| Educators Mutual Insurance Association | 65 | Attained age | $171.00/mo (unverified) |
| Humana (HumanaDental Insurance Company) | 65 | Attained age | $171.95/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $177.72/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $183.59/mo (unverified) |
| Humana (HumanaDental Insurance Company) | 70 | Attained age | $191.73/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $195.97/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $203.04/mo (unverified) |
| Regence Bluecross Blueshield Of Utah | 65 | Attained age | $205.00/mo (unverified) |
| Educators Mutual Insurance Association | 70 | Attained age | $215.00/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $215.55/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $218.49/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $219.17/mo (unverified) |
| Regence Bluecross Blueshield Of Utah | 70 | Attained age | $235.00/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $259.00/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $335.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $455.05/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $455.05/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) |
| Nassau Life Insurance Company | September 1, 2026 | +23.0% (unverified) |
| Lumos Insurance Company | August 1, 2026 | The filing is on record but this figure is not in it. |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | August 1, 2026 | +18.0% (unverified) |
| Regence Bluecross Blueshield Of Utah | August 1, 2026 | +25.7% (unverified) |
| Lifeshield National Insurance Co. | July 1, 2026 | +9.0% (unverified) |
| State Farm Mutual Automobile Insurance Company | July 1, 2026 | +10.0% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | July 1, 2026 | +10.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +21.7% (unverified) |
| Humana (HumanaDental Insurance Company) | June 1, 2026 | +24.9% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +21.6% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | May 1, 2026 | +12.0% (unverified) |
| Omaha Insurance Company | April 1, 2026 | +8.5% (unverified) |
| Educators Mutual Insurance Association | April 1, 2026 | +5.0% (unverified) |
| United American Insurance Company | February 15, 2026 | +20.2% (unverified) |
| Aetna Health And Life Insurance Company | February 1, 2026 | +20.0% (unverified) |
| Wmi Mutual Insurance Company | January 1, 2026 | The filing is on record but this figure is not in it. |
| Wmi Mutual Insurance Company | January 1, 2026 | +42.7% (unverified) |
| GPM Health And Life Insurance Company | January 1, 2026 | +25.0% (unverified) |
| Guarantee Trust Life Insurance Company | January 1, 2026 | +7.9% (unverified) |
| Philadelphia American Life Insurance Company | December 1, 2025 | +7.0% (unverified) |
| American Benefit Life Insurance Company | November 1, 2025 | +11.9% (unverified) |
| Bankers Fidelity Assurance Company | November 1, 2025 | +6.9% (unverified) |
| USAA Life Insurance Company | October 1, 2025 | 0.0% (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 Utah
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.
Utah: federal rules only. State rules change; confirm the current window with the Utah insurance department or your SHIP counselor before you apply anywhere.