West Virginia Plan G rate history
The most comprehensive plan still open to new enrollees. This page tracks what Plan G carriers have filed with the West Virginia insurance regulator and what those filings show about renewal increases.
What Plan G costs in West Virginia
Plan G premiums in West Virginia run from $133.58 to $587.68 per month across 26 carriers, for the quoted scenario described below. Figures marked unverified have not yet been matched to a filing.
| Carrier | Age | Rating method | Monthly premium |
|---|---|---|---|
| Philadelphia American Life Insurance Company | 65 | Attained age | $133.58/mo (unverified) |
| Humana Achieve (ACompBenefits Insurance Company) | 65 | Attained age | $134.56/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $141.62/mo (unverified) |
| Humana Achieve (ACompBenefits Insurance Company) | 70 | Attained age | $142.10/mo (unverified) |
| Philadelphia American Life Insurance Company | 70 | Attained age | $146.16/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $147.85/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $152.81/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $153.11/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $154.83/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $157.00/mo (unverified) |
| Silverscript Insurance Company | 65 | Attained age | $159.10/mo (unverified) |
| Silverscript Insurance Company | 70 | Attained age | $160.35/mo (unverified) |
| Woodmenlife | 65 | Attained age | $161.60/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $161.84/mo (unverified) |
| Thp Insurance Company | 65 | Attained age | $163.26/mo (unverified) |
| Woodmenlife | 70 | Attained age | $163.95/mo (unverified) |
| Highmark West Virginia Inc. D/B/A Highmark Blue Cross Blue Shield West Virginia | 65 | Attained age | $164.85/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $164.89/mo (unverified) |
| Erie Family Life Insurance Company | 65 | Attained age | $167.09/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $169.32/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $172.18/mo (unverified) |
| Erie Family Life Insurance Company | 70 | Attained age | $175.07/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $176.95/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Attained age | $178.70/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $180.88/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $181.99/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $188.32/mo (unverified) |
| Heartland National Life Insurance Company | 65 | Attained age | $191.48/mo (unverified) |
| Mutual Of Omaha Insurance Company | 65 | Attained age | $192.86/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $194.83/mo (unverified) |
| Highmark West Virginia Inc. D/B/A Highmark Blue Cross Blue Shield West Virginia | 65 | Attained age | $199.35/mo (unverified) |
| Highmark West Virginia Inc. D/B/A Highmark Blue Cross Blue Shield West Virginia | 70 | Attained age | $188.50/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $189.04/mo (unverified) |
| Heartland National Life Insurance Company | 70 | Attained age | $191.48/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $196.29/mo (unverified) |
| Thp Insurance Company | 70 | Attained age | $200.15/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $200.77/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $201.00/mo (unverified) |
| Mutual Of Omaha Insurance Company | 70 | Attained age | $204.46/mo (unverified) |
| Bankers Fidelity Assurance Company | 65 | Attained age | $205.64/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $207.04/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Attained age | $213.30/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $218.98/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $221.94/mo (unverified) |
| Highmark West Virginia Inc. D/B/A Highmark Blue Cross Blue Shield West Virginia | 70 | Attained age | $223.00/mo (unverified) |
| American Continental Insurance Company (Aetna) | 65 | Attained age | $232.49/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $235.94/mo (unverified) |
| Bankers Fidelity Assurance Company | 65 | Attained age | $246.77/mo (unverified) |
| Bankers Fidelity Assurance Company | 70 | Attained age | $232.81/mo (unverified) |
| American Continental Insurance Company (Aetna) | 70 | Attained age | $245.98/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $250.82/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $253.98/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $260.00/mo (unverified) |
| Humana Insurance Company | 65 | Attained age | $261.37/mo (unverified) |
| Bankers Fidelity Assurance Company | 70 | Attained age | $279.37/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $282.88/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $294.43/mo (unverified) |
| Humana Insurance Company | 70 | Attained age | $308.92/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $587.68/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $587.68/mo (unverified) |
Filed rate actions
A rate action is the increase a carrier asked the state to approve on an existing block of Plan G 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 | August 1, 2026 | +15.0% (unverified) |
| American Benefit Life Insurance Company | August 1, 2026 | +25.0% (unverified) |
| Lumos Insurance Company | August 1, 2026 | The filing is on record but this figure is not in it. |
| American Continental Insurance Company (Aetna) | August 1, 2026 | +20.0% (unverified) |
| Highmark West Virginia Inc. D/B/A Highmark Blue Cross Blue Shield West Virginia | July 1, 2026 | +19.8% (unverified) |
| Lifeshield National Insurance Co. | June 1, 2026 | +15.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +18.1% (unverified) |
| Bankers Fidelity Assurance Company | June 1, 2026 | +4.9% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | June 1, 2026 | +16.4% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +18.0% (unverified) |
| USAA Life Insurance Company | May 1, 2026 | +15.0% (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | May 1, 2026 | +20.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | April 1, 2026 | +19.0% (unverified) |
| Humana Insurance Company | April 1, 2026 | +8.0% (unverified) |
| Mutual Of Omaha Insurance Company | March 15, 2026 | +30.0% (unverified) |
| State Farm Mutual Automobile Insurance Company | February 1, 2026 | +9.2% (unverified) |
| Woodmenlife | January 15, 2026 | +19.0% (unverified) |
| GPM Health And Life Insurance Company | January 1, 2026 | +9.0% (unverified) |
| Thp Insurance Company | January 1, 2026 | +7.8% (unverified) |
| Wps-A Health Solutions Company | January 1, 2026 | +9.0% (unverified) |
| United American Insurance Company | January 1, 2026 | +12.0% (unverified) |
| Guarantee Trust Life Insurance Company | January 1, 2026 | +15.0% (unverified) |
| Humana Achieve (ACompBenefits Insurance Company) | November 1, 2025 | +12.0% (unverified) |
| Erie Family Life Insurance Company | November 1, 2025 | +12.0% (unverified) |
| Heartland National Life Insurance Company | October 1, 2025 | +25.0% (unverified) |
| Philadelphia American Life Insurance Company | September 1, 2025 | +10.0% (unverified) |
| Silverscript Insurance Company | February 1, 2025 | +4.0% (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 G covers
Plan G covers everything Plan F covers except the Part B deductible, which you pay once a year. It is the plan most people compare first, and the one with the deepest, most competitive set of filings in nearly every state — which is what makes its rate history the clearest read on how a carrier behaves over time.
With Plan G, you still pay:
- The Part B annual deductible
Benefits are standardized by federal law, so Plan G from one carrier pays the same claims as Plan G from another. Price, rate-increase history and service are what differ. That is the whole argument for reading filings.
Switching Plan G carriers in West 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.
West Virginia: federal rules only. State rules change; confirm the current window with the West Virginia insurance department or your SHIP counselor before you apply anywhere.