Washington 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 Washington insurance regulator and what those filings show about renewal increases.
What Plan N costs in Washington
Plan N premiums in Washington run from $174.61 to $294.00 per month across 13 carriers, for the quoted scenario described below. Figures marked unverified have not yet been matched to a filing.
| Carrier | Age | Rating method | Monthly premium |
|---|---|---|---|
| Medico Insurance Company | 65 | Community rated | $174.61/mo (unverified) |
| Medico Insurance Company | 70 | Community rated | $174.61/mo (unverified) |
| Insurance Company Of North America | 65 | Community rated | $190.66/mo (unverified) |
| Insurance Company Of North America | 70 | Community rated | $190.66/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Community rated | $191.85/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Community rated | $191.85/mo (unverified) |
| Premera Blue Cross | 65 | Community rated | $215.00/mo (unverified) |
| Premera Blue Cross | 70 | Community rated | $215.00/mo (unverified) |
| USAA Life Insurance Company | 65 | Community rated | $223.72/mo (unverified) |
| USAA Life Insurance Company | 70 | Community rated | $223.72/mo (unverified) |
| Medco Containment Life Insurance Company (Cigna) | 65 | Community rated | $226.36/mo (unverified) |
| Medco Containment Life Insurance Company (Cigna) | 70 | Community rated | $226.36/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Community rated | $239.16/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Community rated | $239.16/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Community rated | $239.45/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Community rated | $239.45/mo (unverified) |
| United American Insurance Company | 65 | Community rated | $242.00/mo (unverified) |
| United American Insurance Company | 70 | Community rated | $242.00/mo (unverified) |
| United World Life Insurance Company | 65 | Community rated | $265.11/mo (unverified) |
| United World Life Insurance Company | 70 | Community rated | $265.11/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $265.25/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $265.25/mo (unverified) |
| Humana (HumanaDental Insurance Company) | 65 | Community rated | $266.97/mo (unverified) |
| Humana (HumanaDental Insurance Company) | 70 | Community rated | $266.97/mo (unverified) |
| Asuris Northwest Health | 65 | Community rated | $294.00/mo (unverified) |
| Asuris Northwest Health | 70 | Community rated | $294.00/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 |
|---|---|---|
| Bankers Life (Underwritten By Washington National Insurance Company) | September 1, 2026 | +7.5% (unverified) |
| USAA Life Insurance Company | August 1, 2026 | +15.0% (unverified) |
| Medco Containment Life Insurance Company (Cigna) | August 1, 2026 | +15.0% (unverified) |
| United World Life Insurance Company | August 1, 2026 | +20.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +12.6% (unverified) |
| State Farm Mutual Automobile Insurance Company | May 1, 2026 | +11.4% (unverified) |
| Premera Blue Cross | April 1, 2026 | +15.0% (unverified) |
| Asuris Northwest Health | April 1, 2026 | +19.0% (unverified) |
| Insurance Company Of North America | March 1, 2026 | The filing is on record but this figure is not in it. |
| Humana (HumanaDental Insurance Company) | February 1, 2026 | +19.9% (unverified) |
| United American Insurance Company | January 15, 2026 | +11.0% (unverified) |
| Medico Insurance Company | January 1, 2026 | +19.0% (unverified) |
| GPM Health And Life Insurance Company | February 1, 2025 | +20.0% (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 Washington
There is no annual open enrollment period for Medigap in Washington: if you already hold a Medigap policy you may apply to buy or switch at any time, and a company offering a Plan B through N must accept you for it. If you do not currently hold a Medigap policy, whether an insurer may ask you to pass a health questionnaire varies — check before you apply.
Washington: apply to switch at any time. State rules change; confirm the current window with the Washington insurance department or your SHIP counselor before you apply anywhere.