Virginia 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 Virginia insurance regulator and what those filings show about renewal increases.
What Plan N costs in Virginia
Plan N premiums in Virginia run from $87.03 to $450.92 per month across 21 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 Assurance Company | 65 | Attained age | $87.03/mo (unverified) |
| Bankers Fidelity Assurance Company | 70 | Attained age | $91.40/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $98.78/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $98.78/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $103.07/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $103.77/mo (unverified) |
| Humana (Humana Health Insurance Company of Florida, Inc.) | 65 | Attained age | $104.56/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $104.91/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $105.83/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $106.91/mo (unverified) |
| Bankers Fidelity Assurance Company | 65 | Attained age | $108.78/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $111.61/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $111.73/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $112.53/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $113.88/mo (unverified) |
| Bankers Fidelity Assurance Company | 70 | Attained age | $114.25/mo (unverified) |
| Humana (Humana Health Insurance Company of Florida, Inc.) | 70 | Attained age | $115.14/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $121.72/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $123.34/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Attained age | $126.43/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $126.48/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $127.45/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $127.45/mo (unverified) |
| Everence Association Inc | 65 | Attained age | $131.11/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $143.31/mo (unverified) |
| Erie Family Life Insurance Company | 65 | Attained age | $143.36/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 65 | Attained age | $146.27/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $148.97/mo (unverified) |
| Carefirst Bluechoice, Inc. | 65 | Attained age | $149.39/mo (unverified) |
| Erie Family Life Insurance Company | 70 | Attained age | $149.49/mo (unverified) |
| Mutual Of Omaha Insurance Company | 65 | Attained age | $150.83/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Attained age | $150.92/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $153.10/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $154.53/mo (unverified) |
| Everence Association Inc | 70 | Attained age | $157.30/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $158.74/mo (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | 70 | Attained age | $163.35/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $163.82/mo (unverified) |
| Mutual Of Omaha Insurance Company | 70 | Attained age | $166.22/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $167.59/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $169.28/mo (unverified) |
| (Anthem) Anthem Va/Nv | 65 | Attained age | $170.00/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $180.00/mo (unverified) |
| Carefirst Bluechoice, Inc. | 65 | Attained age | $225.09/mo (unverified) |
| Carefirst Bluechoice, Inc. | 70 | Attained age | $189.38/mo (unverified) |
| (Anthem) Anthem Va/Nv | 70 | Attained age | $226.00/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $227.00/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $230.27/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $244.56/mo (unverified) |
| Carefirst Bluechoice, Inc. | 65 | Attained age | $300.78/mo (unverified) |
| Carefirst Bluechoice, Inc. | 70 | Attained age | $256.36/mo (unverified) |
| Carefirst Bluechoice, Inc. | 70 | Attained age | $342.48/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $450.92/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $450.92/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 | September 1, 2026 | +25.0% (unverified) |
| Continental Life Insurance Company Of Brentwood, Tennessee (Aetna) | August 1, 2026 | +20.0% (unverified) |
| (Anthem) Anthem Va/Nv | July 1, 2026 | +12.2% (unverified) |
| USAA Life Insurance Company | June 1, 2026 | +15.0% (unverified) |
| Everence Association Inc | June 1, 2026 | +15.3% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +14.1% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +14.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | May 1, 2026 | +15.0% (unverified) |
| Erie Family Life Insurance Company | May 1, 2026 | +8.5% (unverified) |
| Guarantee Trust Life Insurance Company | March 1, 2026 | +14.9% (unverified) |
| State Farm Mutual Automobile Insurance Company | February 1, 2026 | +16.7% (unverified) |
| GPM Health And Life Insurance Company | February 1, 2026 | +18.0% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | January 1, 2026 | +5.0% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | January 1, 2026 | -14.9% (unverified) |
| Lifeshield National Insurance Co. | January 1, 2026 | +16.0% (unverified) |
| Insurance Company Of North America | January 1, 2026 | The filing is on record but this figure is not in it. |
| Carefirst Bluechoice, Inc. | January 1, 2026 | -2.2% (unverified) |
| American Benefit Life Insurance Company | December 1, 2025 | +14.0% (unverified) |
| Humana (Humana Health Insurance Company of Florida, Inc.) | July 1, 2025 | +9.9% (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | March 17, 2025 | The filing is on record but this figure is not in it. |
| Wps-A Health Solutions Company | January 1, 2025 | The filing is on record but this figure is not in it. |
| Bankers Fidelity Assurance Company | March 1, 2024 | 0.0% (unverified) |
| United American Insurance Company | January 1, 2024 | 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 Virginia
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.
Virginia: federal rules only. State rules change; confirm the current window with the Virginia insurance department or your SHIP counselor before you apply anywhere.