West 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 West Virginia insurance regulator and what those filings show about renewal increases.
What Plan N costs in West Virginia
Plan N premiums in West Virginia run from $95.96 to $475.12 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 |
|---|---|---|---|
| Silverscript Insurance Company | 65 | Attained age | $95.96/mo (unverified) |
| Humana Achieve (ACompBenefits Insurance Company) | 65 | Attained age | $96.91/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $101.83/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $103.73/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $103.75/mo (unverified) |
| Humana Achieve (ACompBenefits Insurance Company) | 70 | Attained age | $107.97/mo (unverified) |
| Silverscript Insurance Company | 70 | Attained age | $110.12/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $110.45/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $111.69/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $114.44/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $116.33/mo (unverified) |
| Woodmenlife | 65 | Attained age | $116.91/mo (unverified) |
| Heartland National Life Insurance Company | 65 | Attained age | $118.44/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $118.66/mo (unverified) |
| Woodmenlife | 70 | Attained age | $119.54/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $121.21/mo (unverified) |
| Heartland National Life Insurance Company | 70 | Attained age | $123.73/mo (unverified) |
| Highmark West Virginia Inc. D/B/A Highmark Blue Cross Blue Shield West Virginia | 65 | Attained age | $125.90/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $126.50/mo (unverified) |
| Philadelphia American Life Insurance Company | 65 | Attained age | $127.76/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $128.17/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $129.34/mo (unverified) |
| Bankers Fidelity Assurance Company | 65 | Attained age | $130.64/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $132.05/mo (unverified) |
| Mutual Of Omaha Insurance Company | 65 | Attained age | $132.91/mo (unverified) |
| Erie Family Life Insurance Company | 65 | Attained age | $133.93/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $134.56/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $134.86/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $138.38/mo (unverified) |
| Erie Family Life Insurance Company | 70 | Attained age | $139.65/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $141.21/mo (unverified) |
| Philadelphia American Life Insurance Company | 70 | Attained age | $142.57/mo (unverified) |
| Highmark West Virginia Inc. D/B/A Highmark Blue Cross Blue Shield West Virginia | 70 | Attained age | $144.00/mo (unverified) |
| Thp Insurance Company | 65 | Attained age | $145.28/mo (unverified) |
| Mutual Of Omaha Insurance Company | 70 | Attained age | $147.29/mo (unverified) |
| Bankers Fidelity Assurance Company | 70 | Attained age | $147.42/mo (unverified) |
| American Continental Insurance Company (Aetna) | 65 | Attained age | $155.77/mo (unverified) |
| Bankers Fidelity Assurance Company | 65 | Attained age | $156.77/mo (unverified) |
| Highmark West Virginia Inc. D/B/A Highmark Blue Cross Blue Shield West Virginia | 65 | Attained age | $160.40/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Attained age | $161.71/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $164.31/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $164.89/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $171.24/mo (unverified) |
| American Continental Insurance Company (Aetna) | 70 | Attained age | $174.10/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $174.49/mo (unverified) |
| Bankers Fidelity Assurance Company | 70 | Attained age | $176.91/mo (unverified) |
| Highmark West Virginia Inc. D/B/A Highmark Blue Cross Blue Shield West Virginia | 70 | Attained age | $178.50/mo (unverified) |
| Thp Insurance Company | 70 | Attained age | $179.11/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $183.81/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $186.00/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Attained age | $193.03/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $195.22/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $202.29/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $212.93/mo (unverified) |
| Humana Insurance Company | 65 | Attained age | $231.12/mo (unverified) |
| Humana Insurance Company | 70 | Attained age | $273.19/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $475.12/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $188.28/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $242.00/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $475.12/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 | August 1, 2026 | +10.1% (unverified) |
| Lumos Insurance Company | August 1, 2026 | The filing is on record but this figure is not in it. |
| American Benefit Life Insurance Company | August 1, 2026 | +25.0% (unverified) |
| American Continental Insurance Company (Aetna) | August 1, 2026 | +15.0% (unverified) |
| Highmark West Virginia Inc. D/B/A Highmark Blue Cross Blue Shield West Virginia | July 1, 2026 | +4.5% (unverified) |
| Lifeshield National Insurance Co. | June 1, 2026 | +15.0% (unverified) |
| Bankers Fidelity Assurance Company | June 1, 2026 | +4.9% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | June 1, 2026 | +10.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +13.2% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +13.1% (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | May 1, 2026 | +20.0% (unverified) |
| USAA Life Insurance Company | May 1, 2026 | +9.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | April 1, 2026 | +19.0% (unverified) |
| Humana Insurance Company | April 1, 2026 | +15.0% (unverified) |
| Mutual Of Omaha Insurance Company | March 15, 2026 | +30.0% (unverified) |
| State Farm Mutual Automobile Insurance Company | February 1, 2026 | +7.0% (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) |
| Guarantee Trust Life Insurance Company | January 1, 2026 | +15.0% (unverified) |
| United American Insurance Company | January 1, 2026 | +12.0% (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 | +10.0% (unverified) |
| Philadelphia American Life Insurance Company | September 1, 2025 | +9.5% (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 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 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.