Plan G vs Plan N in Indiana: Both Letters, Carrier by Carrier

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Filed rates from CSG Actuarial, pulled September 11, 2026 · Marion County (ZIP 46239)

In Marion County, Indiana, the cheapest Plan G is Bankers Fidelity (Atlantic Capital Life) at $118.22 and the cheapest Plan N is Members Health at $85.00, for a 65-year-old woman who does not use tobacco (CSG Actuarial, pulled September 11, 2026). That is $33.22 a month, $399 a year, or about 19 office copays.

Carrier by carrier the trade is smaller. Across the 26 companies that file both letters, the median gap is $39.84 a month, the narrowest of the 28 states in our file; the middle state sits at $49.33. The two floors also belong to different companies. At Bankers Fidelity (Atlantic Capital Life), Plan N is $91.57, so the gap at that one carrier is $26.65.

Commission comes from the carrier you pick, so the filed premium is the same with us or without us.

All 26 Carriers That File Both Letters, Narrowest Gap First

Each row pairs one company's two Marion County filings by NAIC code. Red rows price Plan N at or above the same company's Plan G; amber rows sit less than $20 apart.

ZIP 46239, CSG Actuarial filings pulled September 11, 2026; each company's lowest filed class, no household discount applied. Rank is the place on the Marion County board for that letter. Physicians Mutual files Plan G only here.

Two companies price the letters within one office copay a month: Anthem Blue Cross Blue Shield ($4.76 apart) and WPS Health Solutions ($17.77 apart). At those prices a single office copay a month wipes out the discount. The widest gap, $142.45 at GPM Health and Life, comes from the dearest Plan G on the board, not from a cheap Plan N. Next is Insurance Company of North America (Chubb) at $64.41, 37.2% of its Plan G.

The carrier still matters more than the letter. 18 of the 26 Plan N filings in Marion County cost more than the cheapest Plan G there, which is $118.22 from Bankers Fidelity (Atlantic Capital Life). A pricey Plan N is the worst of both: the copays without the saving.

Both Letters Climb With Age, and the Gap Widens

25 of the 27 Plan G filings and 25 of the 26 Plan N filings in Indiana are attained age. At those carriers both letters step up on birthdays, and any block filing comes on top. At Bankers Fidelity (Atlantic Capital Life) the dollar gap between its two letters grows at every step, $26.65 at 65 to $39.44 at 80. On today's schedules, the saving at 65 is the smallest that company shows at any age in the table.

Floors are Marion County rates for a buyer at that age. The median gap is the statewide Plan G median minus the statewide Plan N median. Bankers Fidelity (Atlantic Capital Life) holds the Plan G floor at every age.

The County Sets the Size of the Trade

Plan N saves $41.97 a month at the floors in Lake County and $24.67 in Allen County and 12 others. Across these counties the Plan N floor moves $0.21 and the Plan G floor moves $17.51, so most of the county difference sits on the Plan G side. Statewide the floors are $109.46 for Plan G and $84.79 for Plan N, both in Allen County.

One sample ZIP per county, same profile as above. Porter County shared a sample ZIP with a county above, so it is not listed twice.

What Plan N Leaves With You in Indiana

Up to $20 at some office visits. Up to $50 for an ER visit that does not end in an admission. And Part B excess charges: a doctor who does not accept Medicare assignment can bill up to 15% over the approved amount, and Plan N leaves that with you. Plan G pays all three.

The deductibles split the same way on both letters. Each leaves you the $283 Part B deductible, and each pays the $1,736 Part A deductible.

Indiana's birthday rule changes carriers, not letters. Since January 1, 2026, a Medigap policyholder 65 or older can move to the same lettered plan at a new carrier once a year, from one month before to one month after their birthday, without medical underwriting. A move from Plan N to Plan G is not covered.

At the December 2023 NAIC count, 32,798 Indiana policies were Plan N, 8.8% of the total and 16 for every 100 on Plan G, a share that ranks 14th of 28 states in our file. 15 carriers on the pair table took a Plan G filing effective in 2026. The largest in the records is HealthSpring Insurance (HCSC) at +42.74%, effective April 1, 2026, and that carrier's Plan N is 2nd on the Marion County board at $89.20. Filings on attained-age policies stack on the birthday steps; the full list with today's ranks is on the Indiana rate index.

Methodology

• Every premium is read at build time from the Indiana file of our CSG Actuarial licensed pull, dated September 11, 2026. None is typed.
• Profile: female, non-tobacco, buying alone, no household discount, ZIP 46239 in Marion County; each company's lowest filed class.
• A pair is one company's two letters matched by NAIC code. The floor gap compares the cheapest Plan G with the cheapest Plan N, whoever files each.
• Cross-state ranks compare Indiana with the 28 state files that carry both letters at 65. Enrollment is the NAIC statewide count as of December 2023.
• Key counties are quoted through one sample ZIP each. The "largest" filing is named only after a check for re-filed schedules.
• The birthday rule is described from the Indiana Department of Insurance fact sheet on HEA 1226 (2025), in effect January 1, 2026, as amended by HEA 1260 (2026) for policies delivered, issued or renewed on or after March 15, 2026. Questions about the rule go to Indiana SHIP at 1-800-452-4800.
• Copay caps and deductibles come from one 2026 federal figures file.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700. MedicareYourself (EasyKind Medicare) is an independent brokerage, not affiliated with Medicare, CMS or any one carrier. We do not offer every plan available in your area; contact Medicare.gov or 1-800-MEDICARE for all options.