Vermont 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 Vermont insurance regulator and what those filings show about renewal increases.
What Plan N costs in Vermont
Plan N premiums in Vermont run from $158.02 to $423.80 per month across 14 carriers, for the quoted scenario described below. Figures marked unverified have not yet been matched to a filing.
| Carrier | Age | Rating method | Monthly premium |
|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | 65 | Community rated | $158.02/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Community rated | $158.02/mo (unverified) |
| Medco Containment Life Insurance Company (Cigna) | 65 | Community rated | $183.56/mo (unverified) |
| Medco Containment Life Insurance Company (Cigna) | 70 | Community rated | $183.56/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Community rated | $192.87/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Community rated | $192.87/mo (unverified) |
| Insurance Company Of North America | 65 | Community rated | $197.25/mo (unverified) |
| Insurance Company Of North America | 70 | Community rated | $197.25/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Community rated | $204.58/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Community rated | $204.58/mo (unverified) |
| Lumos Insurance Company | 65 | Community rated | $213.58/mo (unverified) |
| Lumos Insurance Company | 70 | Community rated | $213.58/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 65 | Community rated | $223.74/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 70 | Community rated | $223.74/mo (unverified) |
| USAA Life Insurance Company | 65 | Community rated | $224.91/mo (unverified) |
| USAA Life Insurance Company | 70 | Community rated | $224.91/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Community rated | $225.97/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Community rated | $225.97/mo (unverified) |
| The Vermont Health Plan, Llc | 65 | Community rated | $239.16/mo (unverified) |
| The Vermont Health Plan, Llc | 70 | Community rated | $239.16/mo (unverified) |
| United American Insurance Company | 65 | Community rated | $259.00/mo (unverified) |
| United American Insurance Company | 70 | Community rated | $259.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $287.75/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $287.75/mo (unverified) |
| Blue Cross And Blue Shield Of Vermont | 65 | Community rated | $369.95/mo (unverified) |
| Blue Cross And Blue Shield Of Vermont | 70 | Community rated | $369.95/mo (unverified) |
| Mutual Of Omaha Insurance Company | 65 | Community rated | $423.80/mo (unverified) |
| Mutual Of Omaha Insurance Company | 70 | Community rated | $423.80/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 |
|---|---|---|
| Mutual Of Omaha Insurance Company | August 15, 2026 | +25.0% (unverified) |
| Insurance Company Of North America | August 1, 2026 | +8.0% (unverified) |
| Lumos 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) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +16.5% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | April 1, 2026 | +25.0% (unverified) |
| State Farm Mutual Automobile Insurance Company | March 1, 2026 | +7.5% (unverified) |
| United American Insurance Company | February 1, 2026 | +15.1% (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | January 1, 2026 | +17.4% (unverified) |
| Wps-A Health Solutions Company | January 1, 2026 | +9.0% (unverified) |
| The Vermont Health Plan, Llc | January 1, 2026 | +9.5% (unverified) |
| Blue Cross And Blue Shield Of Vermont | January 1, 2026 | The filing is on record but this figure is not in it. |
| Medco Containment Life Insurance Company (Cigna) | November 1, 2025 | +15.0% (unverified) |
| USAA Life Insurance Company | October 1, 2025 | +10.0% (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 Vermont
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.
Vermont: federal rules only. State rules change; confirm the current window with the Vermont insurance department or your SHIP counselor before you apply anywhere.