Wyoming 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 Wyoming insurance regulator and what those filings show about renewal increases.
What Plan N costs in Wyoming
Plan N premiums in Wyoming run from $95.37 to $332.00 per month across 18 carriers, for the quoted scenario described below. Figures marked unverified have not yet been matched to a filing.
| Carrier | Age | Rating method | Monthly premium |
|---|---|---|---|
| Medmutual Protect | 65 | Attained age | $95.37/mo (unverified) |
| Medmutual Protect | 70 | Attained age | $101.67/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $109.50/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $111.50/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $111.78/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $114.77/mo (unverified) |
| Lifeshield National Insurance Co. | 65 | Attained age | $118.96/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $128.00/mo (unverified) |
| Humana Achieve (Emphesys Insurance Company) | 65 | Attained age | $128.41/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $129.91/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $132.74/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $134.92/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $139.00/mo (unverified) |
| Humana Achieve (Emphesys Insurance Company) | 70 | Attained age | $144.44/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $146.03/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $151.81/mo (unverified) |
| American Continental Insurance Company (Aetna) | 65 | Attained age | $156.60/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $159.71/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $160.15/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $167.67/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $167.68/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $171.02/mo (unverified) |
| American Continental Insurance Company (Aetna) | 70 | Attained age | $177.10/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $185.64/mo (unverified) |
| Mutual Of Omaha Insurance Company | 65 | Attained age | $185.70/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $187.40/mo (unverified) |
| Blue Cross Blue Shield Of Wyoming | 65 | Attained age | $188.66/mo (unverified) |
| Humana Insurance Company | 65 | Attained age | $198.11/mo (unverified) |
| Mutual Of Omaha Insurance Company | 70 | Attained age | $205.75/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $206.03/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $206.80/mo (unverified) |
| Blue Cross Blue Shield Of Wyoming | 70 | Attained age | $209.15/mo (unverified) |
| Bankers Fidelity Life Insurance Company | 65 | Attained age | $212.93/mo (unverified) |
| GPM Health And Life Insurance Company | 65 | Attained age | $214.14/mo (unverified) |
| Humana Insurance Company | 70 | Attained age | $234.17/mo (unverified) |
| GPM Health And Life Insurance Company | 70 | Attained age | $236.80/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $239.56/mo (unverified) |
| Bankers Fidelity Life Insurance Company | 70 | Attained age | $240.22/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $260.00/mo (unverified) |
| Bankers Fidelity Life Insurance Company | 65 | Attained age | $266.62/mo (unverified) |
| Bankers Fidelity Life Insurance Company | 70 | Attained age | $300.80/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $332.00/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 |
|---|---|---|
| Humana Achieve (Emphesys Insurance Company) | September 1, 2026 | +15.0% (unverified) |
| Insurance Company Of North America | August 1, 2026 | +15.0% (unverified) |
| Lumos Insurance Company | August 1, 2026 | The filing is on record but this figure is not in it. |
| Bankers Fidelity Life Insurance Company | July 3, 2026 | +9.9% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | July 1, 2026 | +9.9% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | July 1, 2026 | +10.0% (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | June 29, 2026 | The filing is on record but this figure is not in it. |
| Aflac, Underwritten By Tier One Insurance Company | June 1, 2026 | +20.0% (unverified) |
| Lifeshield National Insurance Co. | June 1, 2026 | +15.0% (unverified) |
| USAA Life Insurance Company | June 1, 2026 | +15.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +17.7% (unverified) |
| Humana Insurance Company | June 1, 2026 | +15.0% (unverified) |
| American Continental Insurance Company (Aetna) | March 1, 2026 | +18.0% (unverified) |
| State Farm Mutual Automobile Insurance Company | February 1, 2026 | +15.0% (unverified) |
| Blue Cross Blue Shield Of Wyoming | January 1, 2026 | +6.3% (unverified) |
| United American Insurance Company | January 1, 2026 | +14.8% (unverified) |
| Medmutual Protect | October 1, 2025 | +15.0% (unverified) |
| GPM Health And Life Insurance Company | October 1, 2025 | +20.0% (unverified) |
| Mutual Of Omaha Insurance Company | September 26, 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 Wyoming
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.
Wyoming: federal rules only. State rules change; confirm the current window with the Wyoming insurance department or your SHIP counselor before you apply anywhere.