Who is Insurance Company of North America, and why haven't I heard of them?

Insurance Company of North America — INA, NAIC 22713 — is a Chubb company. It was founded in Philadelphia in 1792, making it the oldest capital stock insurance company in the United States, and it carries an AM Best rating of A++, the highest AM Best issues. The reason the name looks unfamiliar on a Medicare quote is that INA only began accepting new Medicare Supplement applications in May 2026. It is an old company that is new to this particular product.

Is Insurance Company of North America legitimate?

Yes. It is a licensed insurer with an AM Best A++ financial strength rating and more than two centuries of operating history behind it. Financial strength is the part of a Medigap decision that is easiest to verify and, frankly, the part that varies least among carriers we quote — the meaningful differences are usually price and rate-increase behavior.

How much does INA charge for Medigap?

As of the July 2026 filed-rate data, INA files Plan G at $126.19 in North Carolina, $141.86 in Ohio, $164.83 in Texas, $173.35 in Pennsylvania and $177.19 in New Jersey for a 65-year-old non-tobacco applicant. That places it in the top six of every state market we track. Its Plan N is stronger still — it files the cheapest Plan N in Pennsylvania at $114.51, out of 28 carriers.

What is the catch with a brand-new Medigap carrier?

There is no rate-increase history to examine, and that is a real limitation rather than a technicality. A Medigap policy is a long-term purchase, and what matters over ten years is not the opening premium but how often and how steeply the carrier raises it. A carrier that entered the market in May 2026 has not yet filed an increase, so nobody — including us — can tell you how they will behave. Entering carriers also tend to price attractively to build a block, and blocks age into increases.

Should I choose INA over the cheapest carrier in my state?

Not automatically, and not automatically the reverse either. INA is consistently top-six rather than rank one, so in most states you can find a lower filed rate — but the cheapest filing often belongs to a small, fast-growing block with its own risk of steep increases. The honest answer depends on your state, age, tobacco status and household-discount eligibility. Call 855-559-1700 and we will show you where INA lands against every other carrier filing in your ZIP.

Insurance Company of North America (INA) Medicare Supplement Review

By Anthony Orner, Independent Licensed Medicare Insurance Broker (compares multiple carriers) · Filed-rate data as of 2026-07-15 · Source: CSG Actuarial

Got a quote from “Insurance Co of N Amer”?

That is Insurance Company of North America, NAIC 22713 — a Chubb company. The name is unfamiliar on Medicare quotes because INA only began accepting new Medicare Supplement applications in May 2026. It is not a new company; it is a very old company that is new to this product.

Insurance Company of North America was founded in Philadelphia in 1792 — the oldest capital stock insurance company in the United States — and today operates as part of Chubb. It holds an AM Best rating of A++, the highest AM Best issues. Across the five states we track with filed-rate data, its Plan G lands in the top six of every market, and in Pennsylvania it files the cheapest Plan N of 28 carriers.

See Where INA Lands in Your ZIP — 855-559-1700

INA Filed Rates by State (age 65)

Filed rates for a 65-year-old non-tobacco applicant, one flagship metro ZIP per state, as of 2026-07-15.

State	Plan G	Plan G rank	Plan N	Plan N rank	State median (G)
North Carolina	$126.19	4 of 29	$87.11	3 of 27	$156.00
Ohio	$141.86	4 of 32	$107.50	4 of 31	$179.81
Texas	$164.83	4 of 24	$109.83	3 of 23	$194.91
Pennsylvania	$173.35	6 of 28	$114.51	1 of 28	$197.51
New Jersey	$177.19	5 of 18	$121.13	6 of 19	$181.62

Plan G and Plan N benefits are standardized by federal law, so every carrier in these markets pays the same benefits for the same plan letter. Your rate depends on age, ZIP, tobacco status and household-discount eligibility.

The Pennsylvania Plan N Standout

The single strongest INA filing we found is Pennsylvania Plan N at $114.51 — rank 1 of 28 carriers. Plan N trades a small set of copays and the Part B excess-charge protection for a materially lower premium than Plan G, and it suits people who see doctors regularly but want to cut the monthly cost. If you are in Pennsylvania and open to Plan N, this is a filing worth putting side by side with your Plan G quote. Compare against the full Pennsylvania Medigap Rate Index.

What We Can't Tell You Yet

Every other carrier review on this site leads with rate-increase history, because for a Medigap policy that history matters more than the opening premium. A policy you hold for ten years is defined by how often and how steeply the carrier raises it, not by what it cost in month one.

INA has no Medicare Supplement rate-increase history, because it started writing this product in May 2026. That is a genuine unknown, and we would rather say so than dress a gap up as a clean record. Two things are worth holding in mind: carriers entering a market often price attractively to build a block, and blocks age into increases. An A++ balance sheet says the company will be there to pay claims; it does not predict premium behavior. We will publish INA's filings here as they land.

Top six in every state we track — but rank one in almost none.

Whether that trade is right for you depends on your state and your age. One call and we'll show you every carrier filing in your ZIP — free.

Compare INA Against Every Carrier — 855-559-1700

Insurance Company of North America — Common Questions

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Rates are carrier filed rates from CSG Actuarial as of 2026-07-15 for a 65-year-old non-tobacco applicant, one flagship metro ZIP per state. Carrier identity and financial-strength details reflect public NAIC and AM Best records. MedicareYourself is a private independent brokerage and is not affiliated with or endorsed by Medicare, Chubb, or any government agency. Questions about this data: anthony@easykindmedicare.com.