Who Is HealthSpring? The Two Companies Behind the Quote

Filed Plan G at 65, by State and Company

Every state where a HealthSpring company files Plan G, the company that writes it there, its cheapest filed premium at age 65, where that premium lands against the rest of the field, and its most recent filing. Female, non-tobacco, individual rate, no household discount applied.

Source: CSG Actuarial licensed API, pulled September 11, 2026. Rank counts the carriers quoted in each state's flagship county, cheapest filing first.

Read the rank column before the price column. HealthSpring prices in the cheapest five in 8 of 20 states and in the cheapest ten in 11. In the other 9 it sits 10th or worse. Connecticut is the one state where it is the single cheapest filed Plan G, at $295.75 against 8 carriers. At the other end, the Michigan filing runs 83% above that state's cheapest, $207.39 against $113.48. The name turns up on a lot of quote sheets. It is not always near the top of one.

14 of the 20 filings are attained age, so the premium steps up with each birthday on top of anything filed on the block. 4 are issue age and 2 are community rated, where age stops moving the premium and only block filings do. A household discount is on file in 14 states, 11% to 20%, and none of the rates above include it.

What Those Filings Compound To

Sort the 42 filings by the year they took effect and the shape is hard to miss.

In 2023 the median filing was 0.0% and the lowest was -2.0%, a decrease. In 2026 the median is +19.0%, the lowest filing of the year is +10.3%, and 12 of the 17 filings that year are 18% or higher. The largest single filing in the file is +42.7% in Indiana, April 2026.

The 4 states with a four-year record show what that does to a premium somebody kept paying. Oklahoma compounds to +73.2%, South Carolina to +62.5%, Michigan to +44.7%, Mississippi to +42.5%. All 4 of them now rank 17th or worse in their own state.

None of that predicts the next filing. It describes the last four years, which is the only evidence anybody actually has. A premium is a decision you keep paying for, and the price on the quote covers one year of it.

If You Were Just Quoted HealthSpring

Three questions, in this order, and you can answer the first two off this page.

1. Which company is on the application. HealthSpring National Health Ins Co and HealthSpring Ins Co do not share a rate history, and only one of them writes in your state. The company name and its NAIC number are printed on the application.
2. What has been filed on that block in your state. That is the second table. In Oklahoma it compounds to +73.2% across 4 filings. A carrier with no filing history in your state is not a carrier with a gentle one. It is a carrier with a short one.
3. What the next two cheapest filings cost. Standardized benefits mean the only thing you give up by comparing is ten minutes.

I write this policy where the numbers support it. In 8 of these 20 states it prices in the cheapest five, and for somebody inside open enrollment, who can still move later, a top-five filing is a reasonable place to start. Where I slow the call down is the states in that second table with four filings on record, because a premium that looked competitive four years ago now ranks 17th or worse in its own state.

The part nobody tells you at the point of sale is that leaving is the hard half. In your six-month open enrollment window nobody can ask about your health. After it, a carrier can underwrite you unless a federal guaranteed-issue right applies. So the filing history is something to read at purchase, while you still have every option, rather than at your first renewal when you may have fewer.