Plan G vs Plan N in Georgia: 2 Carriers Where the Letter Is Almost Free
By Anthony Orner, Independent Licensed Medicare Insurance Broker · Georgia filed rates pulled September 10, 2026, CSG Actuarial · Fulton County (ZIP 30213)
In Fulton County, Bankers Fidelity (Atlantic Capital Life) files the cheapest Plan G at $144.62 and the cheapest Plan N at $108.78, for a 65-year-old woman who does not use tobacco (CSG Actuarial, pulled September 10, 2026). That is $35.84 a month, $430 a year, about 21 office copays.
Georgia's oddity is at the other end of the board. Anthem Blue Cross Blue Shield prices its Plan N $8.00 above its Plan G; AARP / UnitedHealthcare prices its Plan N $2.00 under its Plan G. At those companies the letter is a free choice and Plan G is the one to take. The discount that makes Plan N worth considering exists only at carriers that price the letters $49.27 or more apart, which is the Georgia median. And every one of the 20 carriers here prices on issue age, so whichever gap you buy at 65 is the one you keep.
The carrier pays the broker. Your filed premium is the same either way.
Sorted by the Gap: Where Plan N Is Worth Nothing and Where It Is Worth $86.99
Red rows are Plan N filed at or above the same company's Plan G; amber rows are under $20 apart. 8 carriers are $60 or more apart, and Omaha Supplemental (Mutual of Omaha), at $86.99, is the widest. The floor carrier's gap is $35.84, 24.8% of its Plan G.
| Carrier | Plan G (rank) | Plan N (rank) | Gap | Household discount | Latest G filing |
|---|---|---|---|---|---|
| Anthem Blue Cross Blue Shield | $191.00 (7) | $199.00 (18) | $-8.00 | 10.1% | +15.1% January 2026 |
| AARP / UnitedHealthcare | $177.50 (4) | $175.50 (16) | $2.00 | 10.1% | +15.8% June 2026 |
| USAA Life | $196.86 (11) | $169.83 (15) | $27.03 | none | +4.0% October 2025 |
| Bankers Fidelity (Atlantic Capital Life) | $144.62 (1) | $108.78 (1) | $35.84 | none | +6.9% August 2026 |
| Washington National | $175.07 (3) | $136.60 (9) | $38.47 | none | +9.9% July 2026 |
| Physicians Life | $226.02 (16) | $187.03 (17) | $38.99 | 11.1% | +15.0% August 2026 |
| Medico Insurance Company | $158.92 (2) | $115.65 (3) | $43.27 | none | +24.3% February 2026 |
| Humana Insurance Company | $191.71 (8) | $145.02 (11) | $46.69 | 12.1% | +15.0% October 2025 |
| American Benefit Life | $196.36 (10) | $148.17 (12) | $48.19 | none | +15.0% September 2026 |
| State Farm | $206.81 (15) | $158.36 (13) | $48.45 | none | — |
| LifeShield National | $190.59 (6) | $140.51 (10) | $50.08 | none | +15.0% September 2026 |
| GPM Health and Life | $269.17 (18) | $215.58 (19) | $53.59 | none | +15.0% May 2026 |
| Plateau Insurance | $180.58 (5) | $118.83 (4) | $61.75 | none | — |
| Guarantee Trust Life | $308.15 (19) | $243.33 (20) | $64.82 | none | +15.0% April 2026 |
| Aflac (Tier One Insurance) | $201.62 (14) | $135.23 (8) | $66.39 | none | +15.0% March 2026 |
| Insurance Company of North America (Chubb) | $195.50 (9) | $127.50 (5) | $68.00 | none | +15.0% September 2026 |
| Aetna (Continental Life) | $199.09 (13) | $130.20 (7) | $68.89 | none | +15.0% March 2026 |
| HealthSpring National Health (HCSC) | $198.12 (12) | $128.46 (6) | $69.66 | 20% | +15.0% July 2026 |
| United American | $332.00 (20) | $249.00 (21) | $83.00 | none | +9.8% January 2026 |
| Omaha Supplemental (Mutual of Omaha) | $255.71 (17) | $168.72 (14) | $86.99 | none | — |
ZIP 30213, CSG Actuarial filings pulled September 10, 2026; each carrier's lowest filed rate class, no household discount applied. Rank in parentheses is the carrier's place on the Fulton County board for that letter. New Era Life files Plan N only.
Issue Age: The Gap You Buy at 65 Is the Gap You Keep
Georgia carriers all price on issue age. An issue-age policy is priced by the age you are when it starts and never steps up on a birthday; only block filings move it. So the table below is not how your premium will change, it is what the same letter costs a new buyer at each age. Waiting from 65 to 75 to buy Plan N raises the floor from $108.78 to $120.94; for Plan G, $144.62 to $166.17.
| Buying age | Plan G floor | Plan N floor | Gap | Median G | Median N |
|---|---|---|---|---|---|
| 65 | $144.62 | $108.78 | $35.84 | $182.00 | $136.60 |
| 70 | $149.80 | $112.72 | $37.08 | $209.00 | $150.62 |
| 75 | $166.17 | $120.94 | $45.23 | $241.40 | $170.93 |
| 80 | $184.18 | $134.04 | $50.14 | $274.56 | $194.59 |
Floors in Fulton County for a new buyer at that age; medians statewide. Floor carrier at every age: varies.
Fulton County Pays $144.62; Richmond County Pays $131.47
9 of the 16 key counties share the Fulton County floors. The other 7 quote $131.47 for Plan G and $98.42 for Plan N, $13.15 and $10.36 less. Statewide the floors reach $131.47 for G and $98.42 for N in Appling County. Same carrier throughout; the address sets the number.
| County | Plan G floor | Plan N floor | Gap |
|---|---|---|---|
| Fulton County | $144.62 | $108.78 | $35.84 |
| Gwinnett County | $144.62 | $108.78 | $35.84 |
| Cobb County | $144.62 | $108.78 | $35.84 |
| DeKalb County | $144.62 | $108.78 | $35.84 |
| Clayton County | $144.62 | $108.78 | $35.84 |
| Cherokee County | $144.62 | $108.78 | $35.84 |
| Forsyth County | $144.62 | $108.78 | $35.84 |
| Henry County | $144.62 | $108.78 | $35.84 |
| Chatham County | $144.62 | $108.78 | $35.84 |
| Richmond County | $131.47 | $98.42 | $33.05 |
| Muscogee County | $131.47 | $98.42 | $33.05 |
| Bibb County | $131.47 | $98.42 | $33.05 |
| Clarke County | $131.47 | $98.42 | $33.05 |
| Hall County | $131.47 | $98.42 | $33.05 |
| Houston County | $131.47 | $98.42 | $33.05 |
| Lowndes County | $131.47 | $98.42 | $33.05 |
Each county at the ZIP covering the most of its land area; same profile as above. Floor carrier: Bankers Fidelity (Atlantic Capital Life).
Pick the carrier first. The letter follows.
Give me a Georgia ZIP and a birth date. I read all 20 carriers back, both letters, with the household discounts and the filings, and the right pair is usually obvious by the third row.
Get My Georgia G vs N Answer — 855-559-1700What Plan N Hands Back in Georgia
Up to $20 at some office visits. Up to $50 at an ER visit that does not become an admission. And Part B excess charges, which Georgia permits: a doctor who does not accept assignment may bill up to 15% above the approved amount, and Plan N leaves it with you. Plan G pays all three. Neither letter pays the $283 Part B deductible; both pay the $1,736 Part A deductible.
Georgians hold 35,634 Plan N policies against 182,212 on Plan G and 134,481 on the closed Plan F at the December 2023 NAIC count; Plan N's 9.5% share ranks 12 of 28 in our file, and the $49.27 median gap ranks 13 of 28. 15 carriers in the table carry a 2026 Plan G filing, the largest Medico Insurance Company at +24.3% effective February 1, 2026. In an issue-age state a filing is the only thing that ever moves your premium, so the last column of the pair table is the one to read twice. The state list is on 2026 Medigap rate increases.
Methodology
- Every premium is a filed rate read at build time from the Georgia file of our licensed CSG Actuarial pull dated September 10, 2026. No number is typed.
- Profile: woman, non-tobacco, individual, no household discount, ZIP 30213 in Fulton County, at the buying age shown; each carrier's lowest filed rate class.
- Pairs match a carrier's two letters by NAIC code. A red row is Plan N filed at or above the same carrier's Plan G; amber is a gap under $20.
- Direct-to-consumer and guaranteed-issue classes and rows above four times the state median are excluded.
- Cross-state ranks compare Georgia with the 28 state files carrying both letters at 65. Enrollment is the NAIC statewide count as of December 2023.
- Copay caps and deductibles are 2026 federal figures from one source file.
Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in Georgia and 34 other states. MedicareYourself (EasyKind Medicare) is an independent brokerage with no affiliation to Medicare, CMS or any carrier. We do not offer every plan available in your area; contact Medicare.gov or 1-800-MEDICARE for all options.