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Medicare Plan N Quotes 2027: Real Premiums From State Rate Guides

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 29, 2026

Medicare Plan N quotes in official state guides run from about $112 to $260 a month for a 65-year-old in Las Vegas, and from $269 to $524 a month across the New York regions we checked. The same Plan N benefits can cost more than twice as much at one company as another, so get at least three quotes in your ZIP code.

2027 by the Numbers

$1,344

lowest Plan N per year, female 65, Las Vegas (Nevada Division of Insurance)

$3,113

highest Plan N per year in the same Nevada guide

$269

lowest Plan N per month in New York, Aug. 2026 (NY DFS)

$1,032

biggest yearly gap between one company’s Plan G and Plan N in Nevada (our analysis)

Every Plan N pays the same benefits, so a Plan N quote is really a price tag on one company’s version of an identical product. Instead of describing how quotes work in general, this page shows real Plan N quotes from two state insurance departments and what they reveal about age, region and company.

We used the Nevada Division of Insurance premium comparison guide and the New York Department of Financial Services rate tables. If you are still deciding between plans, read our Medicare Supplement Plan N 2027 guide first.

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Nevada: 13 Plan N Quotes Side by Side

Medicare Plan N quotes per year at age 65 from the Nevada Division of Insurance guide, lowest to highest

Nevada’s guide shows annual premiums from a September 2024 survey for a woman who does not smoke, living in ZIP code 89102 in Las Vegas. Here is every Plan N it lists at age 65, with the monthly cost.

Company Plan N per year at 65 About per month
Washington National Insurance Co. $1,344 $112
Monitor Life Insurance Co. of New York $1,427 $119
CIGNA Insurance Company $1,461 $122
USAA Life Insurance Company $1,532 $128
State Farm Mutual Automobile Ins. Co. $1,572 $131
Continental Life Ins. Co. of Brentwood, TN $1,684 $140
Globe Life and Accident Insurance Co. $1,812 $151
Humana Benefit Plan of Illinois $1,852 $154
UnitedHealthcare Insurance Co. $1,918 $160
GPM Health and Life Insurance Co. $1,997 $166
Omaha Insurance Company $2,321 $193
Rocky Mountain Hospital and Medical Service (Anthem) $2,724 $227
Guarantee Trust Life Insurance Co. $3,113 $259

Source: Nevada Division of Insurance Medicare Supplement Premium Comparison Guide (September 2024 survey). Monthly figures are the annual premium divided by 12.

What this shows: The highest Plan N quote was $1,769 a year more than the lowest, for the same benefits, in the same ZIP code.

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New York: Why Your Region Changes the Quote

New York uses community rating, so a 65-year-old and an 80-year-old pay the same premium for the same policy. What changes the quote is the company and the region. These Plan N rates are from the New York DFS tables for August 1, 2026.

Company Albany Long Island NYC
UnitedHealthcare $269.00-$279.25 $299.00 $299.00
EmblemHealth $287.51-$303.96 $314.77 $314.77
Globe Life $375.00 $450.00 $450.00-$504.00
Bankers Conseco $415.40 $523.54 $523.54
Humana $426.20 $503.23 $503.23

Monthly premiums. Source: New York Department of Financial Services, Medicare Supplement rate tables, August 2026. Some companies use two rates within one region.

The same company can charge up to about $108 more a month on Long Island or in New York City than in Albany. Some regional insurers, such as Excellus and Highmark Blue Cross Blue Shield of Northeastern New York, appear only in upstate regions.

How Age Moves a Plan N Quote

Outside community-rated states, most quotes rise with age. Nevada’s guide shows the same companies at 65 and 70, which lets you see the jump.

Company (Nevada) Plan N at 65 Plan N at 70 Change
Washington National $1,344 $1,738 +29%
Globe Life and Accident $1,812 $2,237 +23%
CIGNA $1,461 $1,725 +18%
Rocky Mountain (Anthem) $2,724 $3,194 +17%
Monitor Life $1,427 $1,427 0%

Annual premiums, Nevada Division of Insurance guide. Percent change is our calculation.

Broker tip: The cheapest Plan N at 65 was also the one with the steepest climb by 70 in this guide. When you compare quotes, ask what the same policy costs at 70 and 75, not just today.

Our Analysis: What Plan N Saves Over Plan G at the Same Company

How much Medicare Plan N saves over Plan G at the same company in Nevada, our analysis

We subtracted each Nevada company’s Plan N premium from its own Plan G premium at age 65. The savings vary a lot.

Company (Nevada, age 65) Plan G Plan N Plan N saves
Omaha Insurance Company $3,353 $2,321 $1,032/yr
Globe Life and Accident $2,756 $1,812 $944/yr
Rocky Mountain (Anthem) $3,531 $2,724 $807/yr
Washington National $2,011 $1,344 $667/yr
UnitedHealthcare $2,326 $1,918 $408/yr
USAA Life $1,888 $1,532 $356/yr

Our calculation from the Nevada Division of Insurance guide (September 2024 survey).

With the $20 office copay, $408 a year buys about 20 doctor visits before Plan N stops saving money. With $1,032, it is about 51 visits. Our Plan G vs Plan N 2027 page walks through the full break-even math.

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Costs That Never Appear on a Plan N Quote

Part B deductible. You pay it first: $283 in 2026, projected at $292 for 2027.

Office copays. Up to $20 for some doctor visits.

Emergency room copays. Up to $50, waived if you are admitted as an inpatient.

Part B excess charges. Plan N does not pay them. Doctors who do not accept Medicare’s rate can bill up to 15% more, but CMS reports 98% of doctors who take Medicare are participating providers.

Add these to the premium when you compare a Plan N quote with a Plan G quote. For a list of what Plan G pays, see what Medicare Plan G covers.

A Five-Point Check Before You Accept a Plan N Quote

1

Confirm the rate basis. Is it attained-age, issue-age or community-rated? It decides how the quote grows.

2

Ask for the 70 and 75 rates. Nevada’s guide shows a 29% jump in five years at one company.

3

Compare the same company’s Plan G. If the gap is under about $400 a year, Plan G may be the better buy.

4

Check for a household discount. It can change which quote is lowest.

5

Apply in the right window. During your six-month Medigap Open Enrollment, no company can deny you or charge more for health reasons.

Bottom Line

Real Plan N quotes from state rate guides show huge spreads: $1,344 to $3,113 a year in Las Vegas, and $269 to $524 a month in New York for identical benefits. Age, region and company all move the price. Compare at least three quotes and each company’s own Plan G before you choose.

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Medicare Plan N Quotes 2027 — Frequently Asked Questions

➤ What did the cheapest Plan N cost in Nevada’s state guide?

Washington National Insurance Co. was lowest at $1,344 a year, about $112 a month, for a 65-year-old woman in Las Vegas.

➤ Why are Plan N quotes so much higher in New York?

New York uses community rating and continuous open enrollment, so premiums are pooled across all ages and health levels. Rates also differ by region, with downstate usually higher.

➤ Do Plan N quotes go up with age?

In most states, yes. In Nevada’s guide, Washington National’s Plan N rose 29% between ages 65 and 70, while one company listed the same rate at both ages.

➤ How much cheaper is a Plan N quote than a Plan G quote?

It depends on the company. In Nevada, the gap ranged from $356 to $1,032 a year at age 65.

➤ Does a Plan N quote include the copays?

No. The quote is only the premium. You still pay up to $20 for some office visits, up to $50 for some ER visits and the Part B deductible.

➤ Which company has the cheapest Plan N in New York?

In the August 2026 DFS tables, UnitedHealthcare had the lowest Plan N in several regions, starting at $269 a month in Albany.

➤ Should I get Plan N quotes from more than one company?

Yes. In the Nevada guide, the most expensive Plan N cost more than twice the cheapest for the same benefits.

➤ Are Plan N quotes lower in Medigap Open Enrollment?

Your open enrollment window guarantees approval at the company’s best available rate. Later, companies can use health questions and may charge more or decline you.

New to Medicare?

If you are new to Medicare, then you can enroll in a 2027 Medicare Supplement plan up to six months prior to your Medicare Part B effective date.

Call one of our licensed insurance agents to see what the best time frame is for you to enroll, based on your current situation. You can contact them at 1-855-409-6195.

Medicare Supplement Quotes

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Compare 2027 Plan G, Plan N and more from several insurance companies in one call.

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This website and the Medicare Supplement insurance plans referenced on it are not connected with or endorsed by the U.S. government or the federal Medicare program. Medicare Supplement (Medigap) insurance is sold by private insurance companies. MedicareSupplementPlans2027.org is a website owned and operated by ZRN Health & Financial Services, LLC, a Texas limited liability company and licensed insurance agency. We do not offer every plan or insurance company available in your area; any information we provide is limited to the plans and companies we represent. Plan availability, benefits and premiums vary by state, age, gender, tobacco use, ZIP code and insurance company, and are subject to underwriting where permitted by law. Rates and figures shown on this site may reflect 2026 data and are for informational purposes only; your actual premium will be determined by the insurance company. You must continue to pay your Medicare Part B premium. Medicare Supplement plans are not Medicare Advantage plans and do not include prescription drug coverage. By submitting your information in the form, you agree to this site's privacy policy and expressly consent to be contacted at the number entered in the form (including a wireless number if provided) by licensed insurance agents or other partners offering related products that may be of interest to you, by phone, email or text. You understand that these calls may be generated using an automatic telephone dialing system, a pre-recorded message or artificial voice, or by sending SMS messages. Your telephone company may impose additional charges for such messages. You understand that you are not required to provide this consent to purchase goods or services. Receiving quotes through our website is always free, and you are under no obligation to purchase any goods or services as a result of this request. For information on all of your Medicare options, contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day, 7 days a week, or your local State Health Insurance Assistance Program (SHIP).